23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On or around XXXX XX/XX/XXXX I received a new billing statement from Firstmark Services for a private student loan. The bill shows a statement generation date that is six ( 6 ) days prior : XXXX XX/XX/XXXX. The statement additionally shows a bill due-date of XXXX XX/XX/XXXX for the current bill. The duration between the statement generation date and statement due-date is eighteen ( 18 ) days. This is less than the required twenty-one ( 21 ) days. The number of days between date of statement generation and receipt of bill is ten ( 10 ) days. This is less than twenty-one ( 21 ) days, and less than fourteen ( 14 ) days. The loan was transferred to Firstmark from XXXX XXXX XXXX in XXXX. XXXX XXXX response to CFPB complaint ( s ) XXXX, XXXX and XXXX, dated XXXX XX/XX/XXXX, quotes the minimum number of days required between statement generation date and statement due date as twenty ( 20 ). Therefore, the Firstmark statement with due-date XXXX XX/XX/XXXX is outside of what is permissible under law, and/or is inconsistent with the minimum number of days as specified by the lender. Therefore, the duration between statement generation date and statement due date of eighteen ( 18 ) days is a billing error and/or constitutes an unfair ( and abusive ) act or practice.
Product: Checking or savings account

I am writing to file a complaint against XXXX XXXX regarding multiple overdraft fees that I have incurred. Despite while having sufficient funds when transactions were authorized, I was charged fees due to lagging of posting charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting

On several occasions, I mailed letters to all XXXX credit bureaus. 

XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX XXXX about alleged late payments. They were unable to verify my late payments and forwarded me letters to send out to each bureau, they refused to update the account. 

Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS EXPERIAN I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS XXXX Inquires were removed then added back to my credit report. They did notify me when adding them on. This is a violation of the FCRA. 
I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX ( they submitted a letter of removal to the credit bureau and they still have n't removed this ) XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS Due to the delay of the credit bureaus response, I have been forced to freeze my accounts until this matter is taken care of. 

I am an XXXX Service Member Currently XXXX since XX/XX/XXXX. I had my power of attorney take care of the credit matters and they have n't gotten any response. It is appalling that serious matters like this are dealt with no sense of urgency and nonchalantly. Please contact me at the earliest convenience to deal with this matter. 

Thank you
Product: Credit reporting or other personal consumer reports

For almost a year I have asked Experian to investigate a collection on my account. I have a previous filed complaint with the CFPB from XXXX of XXXX. Experian did not investigate the collection properly which cause my credit to decline and me being rejected from apartments and loans.
Product: Credit card or prepaid card

Credit services company Credit Karma deployed dark patterns to misrepresent that I was pre-approved for credit card offers. The company used claims that I was pre-approved and had 90 % odds to entice me to apply for offers that, in many instances, I ultimately did not qualify for. Credit Karmas false claims of pre-approval cost me time and subjected me to unnecessary credit checks.
Product: Payday loan, title loan, or personal loan

I was not only denied but discriminated pursuant to 15 usc 1691 ( a ) ( 3 ), for extending myself credit. 

Fully outlined in attached document.
Product: Debt collection

Complete pay leaves a recorded message Every other day for weeks. to call them back at XXXX XXXX XXXX not leaving a name whom They are calling for, There is no debt in this household.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015 my father suffered a debilitating illness and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts withXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I request the immediateBLOCKof all identified information stated in my CFPB and FTC report. FCRA605B ( 15 USC. 1681c-2 ) a.BLOCK, states that " except as otherwise provided in this section, a consumer reporting agency shallblockthe reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alledged identity theft, not later than 4 business days after the date of receipt by such agency of- 1.proof of consumer identity ( see attachment ) 2.copy of identity report ( see attachment ) 3. identification of such information by consumer ( stated in CFPB & FTC report attached ) 4. A statement by the consumer ( stated in CFPB & FTC report attached )
Product: Checking or savings account

Wells Fargo was charging me overdraft fees and other fees unjustly.
Product: Debt collection

On XX/XX/XXXX from the phone number XXXX XXXX XXXX I called to inquire regarding the multiple harassing calls Ive received from this company. 

First a woman by the name XXXX XXXX proceeded to ask for identifying information without the mini XXXX After clarifying on my own on the purpose I asked her for the statutory requirements to verify. She demanded a full social security number and would not accept my date of birth as sufficient I then called back on a different phone XXXX XXXX XXXX and a Male XXXX XXXX again demanded a full social.
Product: Debt collection

On XX/XX/year> I sent a letter notifying portfolio recovery associates LLC that I am a victim of identity theft I provided the account number I was disputing, I provided a copy of my FTC identity theft Report, Identity, theft, affidavit, Proof of my identity, copy of notice of furbisher information To explain their responsibility underneath the fair credit reporting act. I asked portfolio recovery associates LLC to provide me with all records relating to this account and not to exclude any of this information as listed below. 

Account application made on paper, online or by phone Account statements or invoices Record of payments or charge slips Delivery address is associated with the account Record or phone numbers used to activate and access the account Signatures on applications and the accounts Investigator report I also asked for portfolio recovery associates LLC to send me a letter explaining what they have done to : Informed the business where the account was open that the debt is a result of identity theft Stop collection activity against me Stop Reporting information about a debt to credit reporting agencies Notify credit reporting agencies that the debt is a result of identity set I gave portfolio discovery associates LLC the required 30 days to provide this information. unfortunately, despite my thorough submission, portfolio recovery associate LLC has failed to remove the inaccurate information from my credit reports. Instead, they have requested the same information Ive already provided and are now properly requesting my Social Security number. furthermore, since portfolio recovery, Associates LLC can not validate the information related to the account. I strongly believe that you do not have the right to pursue legal actions based on the information that can not be substantiated.
Product: Credit reporting or other personal consumer reports

: ( XXXX XXXX XXXX, ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card opened at at XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card Opened at XXXX on XX/XX/XXXX Account number ( XXXX ), credit card Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an credit card account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) XXXX  on XX/XX/XXXX Account number XXXX, A credit card XXXX  XXXX XXXX XX/XX/XXXX account number ( XXXX ). A credit card account XXXX on XX/XX/XXXX Account number ( XXXX ). A bankruptcy public record account US DIST CT on XX/XX/XXXX Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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, 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 an 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 or 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 recently received and review my credit report and noticed that i have fraudulent activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an acct that is being recycled by collections agencies for XXXX. It has been sold 3 times in the past year alone. I have disputed the amounts several times. The credit bureaus remove it then allow it to be added back by another collection agency. XXXX XXXX, then XXXX XXXX  and now XXXX XXXX. XXXX XXXX NEVER ONCE contact me by mail or phone and advised me they are now attempting to collect a debt that is not owed. They all are continuously violating my consumer right and requesting acct for XXXX removed PERMANENTLY. There are inaccuracies with amounts and all have bypassed the allotted timeframes to collect. They have violated several federal and state laws. I have also written SEVERAL letters requesting unauthorized inquiries be removed from my credit and still has not been done by either of the credit bureaus
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 : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am writing to file a complaint against TransUnion LLC for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

As a veteran, I have unfortunately been a victim of both the XXXX XXXX XXXX XXXX ( XXXX ) data breach and the XXXX data breach. These incidents have made me particularly vulnerable to identity theft and inaccuracies in my credit report. 

According to the credit report provided by TransUnion, file number XXXX, there are several inaccurate addresses associated with my credit file that do not belong to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed this inaccurate information with TransUnion, but they have failed to conduct a proper investigation and remove the erroneous details as required under FCRA section 611 ( 15 U.S.C. 1681i ). The continued presence of this inaccurate personal information is harming my creditworthiness. As a veteran who has already suffered from data breaches, this is particularly distressing. 

Additionally, I requested that TransUnion provide me with a hard copy of my full credit report mailed to my current address at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. However, they have neglected to fulfill this request, violating my right to access my credit information under FCRA section 612 ( 15 U.S.C. 1681j ). 

TransUnion 's failure to maintain maximum accuracy of the information in my credit file and provide my full credit report upon request constitute clear violations of the FCRA. I am therefore lodging this formal complaint and asking the CFPB to fully investigate these FCRA infractions and take appropriate enforcement actions against TransUnion to the fullest extent of the law. TransUnion must be compelled to remove all inaccurate information from my credit file and provide me a copy of my complete report promptly. 

As a veteran who has been a victim of multiple data breaches, I am relying on the CFPB to protect my rights and ensure the accuracy of my credit information. Thank you for your attention to this matter. I look forward to your timely response and thorough investigation to uphold my consumer rights under the FCRA.
Product: Debt collection

As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order AMERIFINACIAL SOLUTIONS to make recompense and pay redress and compensation for their trespass against me. AMERIFINACIAL SOLUTIONS has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
Product: Credit card

Have been receiving calls for different banks stating I owe them money.the only card I ever opened was a XXXX  XXXX Secure card.
Product: Debt collection

this company has placed a collection account on my credit but the debt does not belong to me and it was not validated. I have sent this company certified letters since XXXX 2015 and they continue to ignore me and report the unknown account on my credit.
Product: Credit card or prepaid card

XX/XX/2019 I rented a car from XXXX XXXX XXXX. The rental agreement was XXXX. The salesman told me that this would be the total of the purchase. After I went home I noticed a {$250.00} dollar charge. I never agreed to this charge and was never told about this charge. Ive called Capital one several times and despite there zero fraud liability advertisements they refuse to remove this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card number ending in XXXX I should have a zero balance that was a fraudulent charges that the bank still hasnt taken care of they said that they would send updated information to the credit bureaus but either youre not updating it or they havent sent it I dont know whos at fault
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : DEPT OF EDUCATIONXXXX Account XXXX UNAUTHORIZED INQUIRIES : 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this