23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I've consistently upheld the practice of making timely payments on this account, preventing any instances of overdue payments. The existence of late payment remarks on my accounts leaves me uncertain. In accordance with 15 USC 1666b - Billing Error, corrections should be applied if discrepancies are found.
Product: Debt collection

I received a letter from the " XXXX XXXX XXXX '' stating that they were attempting to collect an auto loan debt for " Auto Vest L.L.C. '' in the amount of {$10000.00}. 
On XX/XX/XXXX, I called XXXX XXXX XXXX and informed them that I had filed for bankruptcy and received a discharge in XX/XX/XXXX. XXXX XXXX asked if I had included their client " Auto Vest '' on my bankruptcy petition. I stated that I had not because " Auto Vest '' was not listed on any of the credit reports that I received from the XXXX credit bureaus. 
XXXX XXXX stated that because the Auto Vest loan was not listed in the petition, I was still obligated for the debt. I then asked how old this debt was and XXXX stated it was XXXX. I informed them that Michigan 's Statute of Limitations had expired. 
XXXX XXXX stated this debt was not subject to the statute of limitations because they had filed a lawsuit and received a default judgment in XXXX and the judgment was renewed in XXXX. I informed XXXX XXXX that I had never been served with any lawsuit or judgment renewal. XXXX XXXX stated that the Clerk of the Court was responsible for notifying me of these pleadings. 
I told XXXX XXXX that they were wrong because the Michigan Court Rules mandated that it is the attorney, not the clerk of the court, who is supposed to serve the opposing party ( i.e., myself ) with paperwork. XXXX XXXX then changed their statement, now saying that they did serve me with the lawsuit and the renewal. I stated that I never received anything and asked how could it be that I was receiving their letter about owing the debt, but I hadn't received anything about a lawsuit or judgment renewal. XXXX XXXX stated that they did send all the paperwork to me and if I wanted to " claim '' that I didn't receive it, I was free to do so. 
When I told XXXX XXXX that I would be taking legal action under the Fair Debt Collections Act, they stated that they didn't own this debt and were only collecting on behalf of Auto Vest. 
I recorded this phone call.
Product: Debt collection

I have all Documents from XXXX XXXX XXXX XXXX XXXX XXXX Insurance & Medicare : to Protect me any : Emergency : on my last paycheck from work : XXXX XXXX XXXX XXXX XXXX Collect my Premium & Medicare also : I pay and I'm have to proof : I pay on ( XX/XX/year> ) and my Emergency, was on ( XXXX ) Then I call to my Insurance what happen, to Pay for the XXXX XXXX,, They say my medicare need to pay his part >>>> and Medicare Say my first insurance need to pay first ... so, the XXXX send me to Collection.. and i have no money to PAY ....
Product: Credit reporting or other personal consumer reports

Account # XXXX opened-XXXX  XXXX amount- XXXX $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as Equifax and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801. 

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA. 

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns. 

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

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

Fraudulent account appearing on my credit report. 

1. Us Department Of Education XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Subject : Reporting Privacy Violations and Inaccurate Credit Reporting by XXXX writing to report serious privacy violations and inaccurate credit reporting by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) regarding my student loan account. The issues began when the servicer was changed from XXXX to XXXX, not only reporting more inaccuracies but accounting information that was disputed prior and when I discovered that XXXX had been reporting my accounting information in a manner that violates the Privacy Act of 1974 and infringes upon the protections afforded by the Family Educational Rights and Privacy Act ( FERPA ). Sensitive financial and educational data related to my student loan account has been disclosed to unauthorized parties without my consent. 

Furthermore, despite regulatory requirements, XXXX has failed to provide me with the monthly opt-out option, as mandated by 16 CFR 313.15. This failure to comply with regulatory mandates deprives me of the ability to control the dissemination of my personal information and raises concerns about XXXX 's commitment to consumer privacy and transparency. 

I have taken several actions to address these issues : XXXX. XXXX : Discovered unauthorized disclosure of sensitive financial and educational data by XXXX. 
XXXX : Contacted XXXX to inquire about the unauthorized disclosure and request an explanation. 
XXXX. XXXX : Submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXXXXXX XXXX privacy violations and failure to provide the opt-out option. 
XXXX. XXXX : Notified all major credit bureaus of the inaccuracies in my credit report caused by XXXX XXXX erroneous reporting. 
XXXX. XXXX : Submitted a 1099-C form to the IRS for cancellation of debt related to my student loan account, which should reflect in my account status. 

Despite these actions, the privacy violations persist, and XXXXXXXX XXXX  inaccurate credit reporting continues to negatively impact my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I AM TIRED OF THIS!!! THIS IS RIDICULOUS!!!!! I HAVE BEEN WORKING SO DILIGENTLY WITH THIS CREDIT BUREAU TO GET MY CREDIT SCORE BACK UP AND THOSE WHO KNOW, WHEN ITS LOW IT TAKES AWHILE TO BUILD IT BACK UP. I HAVE BEEN USING EXPERIANS MEMBERSHIP TO CREATE AN ACCOUNT, SO THAT I CAN MONITOR MY CREDIT SCORE, PAY OFF DEBT AND BE ABLE TO MANAGE IT! I HAVE SENT OVER TO EXPERIAN THE EXACT CORRECT DOCUMENTS THAT THE COMPANY THAT LOANED ME THE MONEY, THE PAID IN FULL RECEIPT SHOWING A ( XXXX $ ) BALANCE!!!!! SHOWING A XXXX BALANCE WITH THE ACCOUNT NUMBER AND ALL THE INFORMATION OF MY ACCOUNT ON THIS SPECIFIC RECEIPT DOCUMENT SO THAT MY EXPERIAN CREDIT REPORT IS UPDATED WITH A TOTAL DEBT AMOUNT OF ( XXXX $ )!!!!! AND IT IS STILL SHOWING THAT IT REMAINS??????!!!!!! AFTER DISPUTING IT TWICE!!!!!!!! TWICE????!!!! WHATS THE POINT OF DISPUTING AN ITEM WITH THE CORRECT INFORMATION IF ITS GOING TO STILL CONTINUE TO REMAIN ON MY ACCOUNT!!! THAT IS ABUSRD!!! AND I AM OUTRAGEOUS!!! ITS ALREADY BAD ENOUGH WITH THIS PANDEMIC GOING ON HOW HARD IT IS TO DO ANYTHING NOWADAYS, AND IM NEEDING/WANTING TO BUY A NEW CAR AND I AM NOT ABLE, BECAUSE TOO LENDERS ITS STILL SHOWING THAT I HAVE DEBT!!! IVE CALLED THE COMPANY, THEYRE THE ONES WHO GAVE ME THE XXXX RECEIPT!!! THEYRE THE ONES WHO REPORTED IT BACK IN XXXX. THIS IS INCORRECT AND UNFAIR OF MY BALANCE AMOUNT/DEBT IS STILL SHOWING A {$2200.00} DEBT!!!!!!! RIDICULOUS!!!!! I WANT TO GO ABOBE EXPERIAN NOW AND FILE A COMPLAIN WITH THE XXXX CONSUMER FINANCE DEPARTMENT AS WELL OR WHOEVER I NEED TO, TOO GET THIS ISSUE RESOLVED IMMEDIATELY!!!! IM TIRED OF THIS!!! WHY THE HECK WOULD I BE WASTING MY XXXX TIME AND YOUR TIME, TO REPORT/DISPUTE INCORRECT INFORMATION. THAT IS JUST STUPID AND THAT, I AM NOT!!!!! I HAVE ALL SUPPORTING DOCUMENTS!!!! I DISPUTE THE ITEM TO EXPERIAN SHOWING A REMAINING BALANCE FROM THAT CREDITOR OF ( XXXX $ ) AND IT STILL SHOWS IT REMAINS!!!!! ITS LIKE EXPERIAN DOESNT WANT THAT DEBT TO GO AWAY!! BUT I PAID OFF $ XXXX AS WELL TO XXXX  XXXX XXXX AND THEY IMMEDIATELY UPDATED THAT WITHIN 7 DAYS!! CHECK MY REPORT!! I PAID OFF XXXX XXXX  XXXX ON XX/XX/XXXX AND IT WAS REPORTED TO EXPERIAN AND THEY UPDATED MY ACCOUNT IMMEDIATELY!!! WHY IS IT THAT I PAY OFF MORE AND THAT GETS UPDATED IMMEDIATELY AND I PAY OFF {$2200.00} THAT SAME DAY FROM ( XXXX ) AND ITS STILL SHOWING ON MY ACCOUNT AND THE REPORT BALANCE HISTORY AS OF XX/XX/20 HAVENT GOT AN UPDATE FROM EXPERIAN SINCE XXXX!!!!!!!!!! WHAT!!!!!! IN LESS THAN 10 DAYS THAT WILL BE 60 DAYS!!!! THE COMPANY ( XXXX ) HAS FROM THE DAY I PAID OFF MY BALANCE 30 DAYS TO REPORT IT. SO IF THAT COMPANY ( XXXX ) REPORTED IT TO EXPERIAN, AND ITS STILL SHOWING THAT I OWE DEBT THATS A PROBLEM EVEN AFTER I DISPUTED THE ITEM TWICE WITH SUPPORTING DOCUMENTATION!!! I AM SO MAD!!! THIS IS JUST WRONG IN SO MANY WAYS!!!!! EXPERIAN IS THE WORST CREDIT REPORTING BUREAU IN HISTORY!!!!! THEY ARE THE FRAUDS!!
Product: Credit card or prepaid card

XX/XX/2020 charged {$29.00} late fee after a representative advised me the company was not charging late fees during the Covid-19 Pandemic. They were also aware I lost my job due to the Covid-19 Pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Moreover, I can not even get the credit freeze to go through because it " can not be processed at this time. '' Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a horrendous job in the first place. 

Thank you for taking time to read my complaint and for the work that you do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes with Transunion, XXXX, and XXXX about balances and incorrect reporting of student loans and also student loans that do not have contracts. XXXX  and Transunion has refused to dispute these items and did not validate or verify information with the companies but stated that they were valid and updated while none of the accounts were updated or valid. Upon asking for re investigation it was denied although the accounts were never investigated. XXXX investigated the accounts and deleted them because there are no contracts and and are also reported incorrectly/open close dates/amounts/ balances/etc. I am seeking the method of verification from transunion and XXXX as they are not valid and there are no contracts for these accounts. I am adding the disputes so that they can be re investigated validated and deleted immediately. The Credit reporting bureaus Refuses to investigate items but will state in dispute letters that it has been investigated upon contacting the company the companies state that they have not validated or verified any information with the credit reporting bureaus. I have attached the dispute to this complaint
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX XXXX mo ) XXXX XXXX XXXX, XXXX, I presume than no proof of the alleged debt, nor therefore any such debt in fact therefore exists.
Product: Debt collection

Remove the fraudulent accounts resulting from identity theft from my credit report immediately, as I have serious doubts about their accuracy, or face legal action consider this your final warning. I demand swift resolution, and I expect written confirmation of the accounts ' removal to ensure accuracy in my credit report. XXXX XXXX XXXXXXXX Date Opened : XX/XX/year>.
Product: Debt collection

This company has illegally given my information to another company, halstead, who is harassing me, posing as law officials and lawyers, contacting me via email without my consent. This is a form of bullying and manipulation of a XXXX person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I have a ftc identity theft report and I want these accounts removed from my report, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX credit card, these accounts are fraudulent, my information is being used to open these accounts, I have no knowledge of these accounts and Im asking Equifax, XXXX, XXXX to remove these accounts, I am now suing XXXX for a data beach and XXXX XXXX for exposing all my information on the dark web, no fraud alerts please, please remove accounts from my credit report, please tell XXXX no excuse they do not help when I call so Im using this process because of rudeness and unprofessional people so please remove all these accounts
Product: Consumer Loan

I submitting a complaint against Conns in XXXX of 2015 for the same issue. I spoke with an Agent of Conns today and informed him that I will be making my payment on the XXXX and that if I continue to get calls I will be filing a complaint. I mailed a letter stating that I did not want to be contacted until I was past 30 days late on my payment in XXXX 2015. I am currently only XXXX days late on my payment and have received XXXX phone calls. At least XXXX of these calls were automated. I have attached a call log with the current information about the calls I have already received.
Product: Consumer Loan

I contacted the creditor on several occasions and informed them that I am unable to receive personal phone calls during working hours, XXXX. I was contacted repeatedly during these times. I called the creditor yet again to tell them not to contact me during these times and the person said that it did not matter and that they can and would contact me at any time between XXXX and XXXX. I found this to be hostile and intimidating. 

I closed my account and am trying to pay off my remaining balance. After 40+ phone calls I found that it is impossible to access your account online if you have cancelled you card. I did not receive any statements or bills in the mail. Without online access to my account I could not make timely payments allowing US Bank to add hundreds to my account in late fees. 

The card and interest rate were predatory in nature. I was given the application in a bar while on XXXX break. I think it is immoral for US Bank to target intoxicated teens on XXXX break with high interest credit cards. I do n't expect the CFPB to do anything about it but I want people to know the type of business US Bank is.
Product: Checking or savings account

Someone called my bank masquerading as me using my SSN to try to access my bank account. I fixed the issue by bringing my ID to a local branch a day later. This happened a couple of months after I was scammed with personal information becoming exposed, including my SSN. I filed for a fraud report and froze my credit shortly thereafter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian Information Solutions , Inc. about the deletion of unauthorized hard inquiries on my consumer report in XX/XX/XXXX. They directed me to call the creditors to have them request that the inquiries be removed from my consumer report. I called the creditors but was not able to reach anyone that could help me. 

On XX/XX/XXXX, I sent XXXX letters to Experian Information Solutions , Inc. at XXXX XXXX XXXX XXXX, TX XXXX to demand deletion of each inquiry reported on my consumer report where my consumer report was obtained without my authorization or permissible purpose under the FCRA. I requested the following inquiries be deleted ( letters attached ) : 1. XX/XX/XXXX, XXXX XXXX 2. XX/XX/XXXX, XXXX XXXX 3. XX/XX/XXXX, XXXX XXXX 4. XX/XX/XXXX, XXXX XXXX 5. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX 6. XX/XX/XXXX, XXXX XXXX XXXX XXXX 7. XX/XX/XXXX, XXXX XXXX XXXX Experian Information Solutions , Inc. has not adhered to my request to promptly delete the unauthorized inquiry or if they conclude that the inquiry listed is verified, I request details of their method of verification.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX 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 XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. 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
Product: Credit card or prepaid card

I booked travel through ultimate rewards using points and credit card charges ( itinerary # XXXX ). Travel schedule was subsequently unacceptably altered by airline and was then cancelled. The airline refunded travel to XXXX XXXX. XXXX XXXX e-mailed me XX/XX/2021 that a refund of XXXX points and {$430.00} credit card charges was being was being processed. I did receive the credit card charge refund but havent received the point refund despite several contacts from me and their promises to promptly do so. I contacted them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

it is showing that I missed a payment for XX/XX/2021 on my XXXX XXXX credit card and I have never missed a payment I have filed a dispute with XXXX, XXXX and equifax about my XXXX XXXX account ending in XXXX under section 609 of the fcra my consumer rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, Factual Data XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I have contact equifax numerous times about these inquires. I have submitted in writing and verbally call. This is fraud please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I see that still the same accounts was erroneous. The 3 credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$2900.00}