23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent Experian, XXXX, And XXXX Disputes and Neither of them responded to my request which forced me to send them a 30 day demand to comply and they have not still shown any acknowledgment of me contacting them I have attached the letters I recently sent to the companies for reporting inaccurate information in my credit report and not removing the inaccurate information.
Product: Credit reporting or other personal consumer reports

Please correct my credit report by removing hard inquiries that violate 15 USC 16c-2, as I did not authorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not exercise proper security measures and resulted in my information being compromised. They have opened me up to identity theft and have only made a token offer to monitor my credit for one year. This service costs ~ {$20.00} per month afterwards and much of my data will not change over the course of my remaining years on Earth ( approximately 55 more years based on average life expectancy ). This is over {$13000.00} over the course of my lifetime paid to Equifax. {$13000.00} to trust a corporation who has already handed my information over to criminals who have the potential to steal countless money from me and ruin my credit.
Product: Credit card or prepaid card

I opened an account at living spaces to purchase furniture. The card was issued with the agreement that the purchase was interest-free if paid within a certain period of time. I paid down the amount as much as possible, and at the end of that agreed period of time, Synchrony Financial added a few XXXX dollars to the balance owed. I tried to pay down the balance but the interest was so high that I was never able to get ahead. During this time I noticed that Syncrony Financial started reducing my credit limit. I was under the impression that I had a credit card that I could use for other purchases. I was confused as to why the limit was decreased as I paid it down. 

Last night I received a letter stating that they were closing my account because I do not own real estate and have other credit cards with high limits. I am shocked to learn that I am being discriminated against due to not owning property. 

I did some research online and discovered that Synchrony Financial has a history or predatory behavior. I also found a site with other complaints from consumers. Something needs to be done about this company and I would like an investigation into their behavior. 

Here is a link to other complaints : https : XXXX
Product: Debt collection

I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by XXXX XXXX XXXX XXXX. This account has reached its statutes of limitations because it is over XXXX XXXX XXXX. I want this account removed off all three credit reporting agencies XXXX, XXXX, and Equifax immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of credit.
Product: Debt collection

I had a student loan debt taken out for my daughter in XXXX. I believe it defaulted in XXXX. I have been making payments that were automatically deducted from my account. The payments were made to XXXX XXXX XXXX. Around XX/XX/XXXX, I received a letter from MRS Innovative solutions, another debt collector, stating that we had an account with XXXX XXXX XXXX XXXX XXXX and that a payment of {$14000.00} was due immediately. When I called to find out what was happening, I was told that the last payment made was in XXXX and that the debt was due in full now. I did not notice that XXXX XXXX XXXX had stopped deducting payment. Upon review of my bank statements, I found that the last deduction was on XX/XX/XXXX. 

I called XXXX XXXX to find out the reason the payments stopped coming out. Their response was that there was no active account under my name or my husbands name. I also asked MRS why the payments stopped and their response was that they had no information other than the debt was due in full. They also offered a settlement amount of around {$12000.00}. 

I am trying to find out why payments were stopped by XXXX XXXX that led to the debt being owed in full. When I spoke to the representative at MRS I explained that I don't have a problem paying the debt, but that I can't make a lump sum payment and shouldn't have to since I had been on a payment plan with XXXX XXXX and was taken off the plan without my knowledge. 

To be transparent, they did not mention anything about a lawsuit to recover the funds and when I asked of they would pursue one, the representative said that was not what they do, that they are here to help us resolve the debt. I stated to the representative that, as a point of reference, the statue of limitations is 6 years in New York State.
Product: Credit reporting or other personal consumer reports

identify you and your account. 
I am a victim of XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX- XXXX {$2100.00} opened XX/XX/XXXX XXXX XXXX XXXX  XXXX {$46.00} XX/XX/XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the information on my credit report as being incomplete and/or inaccurate. I have received my results from the reporting agency that all information was complete and accurate and after I view my result I can see and prove that its still incomplete and/or inaccurate. I will provide to you what I have received from Experian after I ask for verification of accuracy. Its obvious that the reporting agency did not do a thorough investigation because they would have all the number and information to put in my file. The balances and incomplete on my report which leads me to believe that the agency did not follow the proper procedures. I ask that the CFPB investigate this finding and have the reporting agency provide documentation for each account that has missing information and is said to have been verified the them.
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 US DEPARTMENT OF EDU : # XXXX US DEPARTMENT OF EDU : # XXXX US DEPARTMENT OF EDU : # XXXX US DEPARTMENT OF EDU : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : # XXXX XXXX : # XXXX 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. 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 to any consumer reporting agency if the person knows it has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I, XXXX XXXX XXXX was pre-approved for two FDIC backed credit cards in which required paying a fee before they were opened. The XXXX XXXX card was eventually closed after initiating the first card and then the bank closing the initial card without consent and sending a new card, only for the card to be misrepresented in balance. The balance was paid off but the bank has not returned the {$100.00} applied to initiate the credit. The second card is Aspire MasterCard which required a {$99.00} initial fee to open the credit limit. All balances have been paid over the few months of opening the card. However, Aspire would like to close the account, indicating there is evidence of fraud with providing such evidence for review. So, they placed a hold on the account, which the consumer believes have always been placed on the account because the card only allowed 50 % use of the credit limit and declined 1 of 2 scheduled payments which included insurance and phone service. The consumer refused to close the account or accept a new card.
Product: Payday loan, title loan, or personal loan

In attempting to pay off the loan balance, I have repeatedly tried to contact Enerbank to find the loan payoff amount and process and have not been able to reach them for a response. The main problem I face is that, unlike any other financial product I have had, the loan payoff is not provided on written statements or online nor is an option to pay the whole balance.
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. 
XXXX XXXX  : Acct # XXXX, XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX : XXXX XXXX XXXXt : Acct # XXXX. ALL 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 States : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been contacted several times to investigate an error on my credit report. I contacted XXXX  directly on XX/XX/XXXX and a representative stated he was opening another dispute of the company ERC representing XXXX. My complaint is the amount owed to XXXX is incorrect and I have requested the documentation from the date I came to the store showing I purchased my XXXX  from the company and showing how XXXX came up with the {$900.00} amount. I disputed using XXXX XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, the dispute is listed as valid, however, no documentation is provided to me to review. Therefore, the company is unable to prove the {$900.00} debt and I am requesting it is removed from my Transunion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking through my report and noticed there are some accounts that don't belong to me. This is an act of fraud and the following accounts need to be removed from my credit report. 
XXXX/XXXX  # XXXX XXXX XXXX XXXX # XXXX LVNV FUNDING LLC # XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please research the following ( 2 ) hard inquiries : XXXX XXXX Inquiry Date : XX/XX/2021 XXXX  XXXX Inquiry Date : XX/XX/2021
Product: Credit card or prepaid card

On XX/XX/2021 I purchased furniture through XXXX in the amount of {$5000.00} with a guaranteed shipment date of XX/XX/2021. On XX/XX/2021 I received an email from XXXX requesting that I either approve or deny the option to cancel or approve a backorder as shipment was delayed. The new guaranteed shipment date was to be XX/XX/2021. I approved the backorder buy then decided 2 weeks later that I would prefer to shop locally for furniture since I had been sleeping on only a mattress waiting for the furniture for over a month. I called XXXX on XX/XX/2021 and they informed me that since I had approved the backorder that I would now be subject to a 15 % of the purchase price cancelation fee. At that point I decided to dispute the charge with Citi Bank, the issuer of the credit card used to pay for this transaction. As of today XX/XX/2021 the dispute had been closed in favor of the merchant, I still do not have any furniture and the XXXX website now states a guaranteed shipment date of XX/XX/2021, although I never approved it. I am exceedingly frustrated and have already filed a complaint with the XXXX XXXX XXXX. I've also purchased furniture from another retailer at this point.
Product: Mortgage

Our Mortgage was sold to LOANCARE, XXXX. XXXX XXXX XXXX  XXXX VA XXXX in XX/XX/XXXX, everything seemed okay until XX/XX/XXXX. I tried to log into their website to make my payment as I had done every month before but was unable to log in, so I called to have them reset my password, they informed me it had been reset and to give it a few minutes and try again. I was still unable to log in so I called again and was informed that the reason I was unable to log in was because I owed a balance of {$14000.00} and she asked if I wanted to make that payment. After the initial SHOCK and trying to understand what she just told me I asked how that could be, I stated we have made every payment due and on time, she then stated that amount was actually sitting in a holding account and I owed {$9100.00}. After eight or more calls over the course of three weeks, speaking with several payment center employees, two Loss Mitigation employees and three different Supervisors and explaining our story over and over again we have had no luck in getting this resolved. We were promised a call back by all three Supervisors XXXX ID # XXXX, she would not provide her last name, XXXX XXXX ID # XXXX and XXXX ID # XXXX, and she also would not provide her last name. LoanCare has not applied our monthly payments to our loan that we have sent electronically every month on time as well as reported us to the Credit Agencies causing our credit scores to drop over 100 pts. I'm at a loss for words when I think of the lack of Concern, Care or Importance they have for their customers and on top of it, its their error. Horrible Experience! This is truly the WORST Mortgage Company EVER!!!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Date : XX/XX/year>XXXX Southwest Credit Systems LP XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, TX XXXX Subject : Request for Removal of Obsolete Information Under 15 U.S.C. 1681 ( c ) ( 2 ) Dear Southwest Credit Systems LP, I am writing to formally request the removal of outdated and obsolete information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( c ) ( 2 ). 

According to the FCRA, adverse information that is more than XXXX years old is considered obsolete and should not appear on a credit report. After reviewing my credit report, I have identified the following entry related to Southwest Credit Systems LP, which I believe has exceeded the permissible reporting period : Account Information : Account Number : XXXX Current Status : Collection Given that the above entry is now obsolete, I respectfully request that Southwest Credit Systems LP take the necessary steps to have this information removed from my credit report immediately. Please notify me in writing once this correction has been made, or provide me with the reasons if Southwest Credit Systems LP believes that the account is still valid for reporting. 

If I do not receive a response within XXXX  days, I will follow up with the credit reporting agencies and take further action as necessary to ensure compliance with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

I have requested Proper verification and validation to FFCC-CLVLAND Original creditor : XXXX XXXX XXXXXXXX this company has placed the account XXXX showing a amount owe of {$670.00} I have no knowledge of this account, I have disputed it multiple times and not documentation step by step validating this account has been provided. 

this account is affecting my credit report and as per the fair credit act I request a immidate removal from my XXXX credit report. 

Also XXXX fail to verify and validate this account as stated by the fair credit act.
Product: Credit card or prepaid card

Amex is not appropriately classifying a whole range of charges for 4x points on the Gold Card. Inquired about this issue on missing points multiple times and it has not been resolved. 

Below is a link to provide more details of the issue.

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

I sent a letter to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items or informations not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again : The following are fraudulent items that needs to remove : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX : {$750.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$590.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX : {$310.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the Fair Credit Reporting Act 15 U.S.C. 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy '' XXXX XXXX, and Transunion are consumer reporting agency and I, XXXX XXXX, I am the consumer. I have the Right to make sure my private information isn't shared which is backed by 15 U.S.C. 6801 which states " It is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of its customer 's non-public personal information. XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX are all financial institutions by definition under this Title. 15 U.S.C. 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and No other : in accordance with the Written instructions of the consumer to whom it relates. '' I can tell you that I never gave XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX  any my consent to furnish Any information and the consumer reporting agencies XXXX, XXXX, and Transunion do not have my consent to furnish this information and they surely don't have any written consent. Any and All consent to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX whether it be verbal, nonverbal, written, implied, or otherwise is Revoked. 15 U.S.C. 6802 ( b ) ( c ) states the " A financial institution may not disclose non-public personal information to a non-affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non-disclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX never informed me of Any Right to exercise my non-disclosure option. Not only that U.S.C. 1681 ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other that records convictions of crimes which antedates the report by more than seven years. These accounts are not items that are not proper things to be reported, and against the law to be reporting. 15 U.S. Code- 1681s- 2 ( A ) ( 1 ) A states " A person shall not furnish Any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. section 1681 e states, Every consumer agency shall maintain reasonable procedures designated to avoid violations of section 1681 c of this Title and to limit the furnishing of consumer reports to the purpose listed under section 1681 b of this title. XXXX and XXXX as well as Transunion are not maintaining reasonable procedures. Also 12 CFR section 1016.7 State that " A consumer may exercise the right to Opt out at any time. I am opting out of there reporting services because they have indeed been furnishing information that is against the law to report.