23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I opened an apple card and I did not receive statements of billing, or any notice that there was a balance or bill due, right from the start. I tried to find my account information and websites said it was supposed to show up in my Apple XXXX XXXX and it did not. Their emails were found months later in my spam folder. A {$35.00} payment was due which they said was missed therefore. this went past 60 days and caused a XXXX point drop on my credit report. Was near XXXX, now XXXX. Nothing was done to correct their app error or lack of billing, zero notice of the account opening, paperwork, or billing. Once I found the error and heard from them, I paid the full {$1200.00} balance to stop doing business with them. They handled this poorly each time as if I were trying to avoid paying them. Quite rude. Did not handle the dispute well at all. A Goldman Sachs rep told me " they would get it fixed '' and then did not. The damages are significant. Increased car loan interest rates making my new payments 15 % higher. XXXX point drop in my credit score. Financing for anything for me now costs 15 % more. This late fee should be removed from my Apple Account on my credit score with XXXX and other bureaus. I have a very high income as president of a company and I realize mistakes happen, but this {$35.00} is trivial and should not have occurred. Their app didn't work. I did not receive billing. I think the fact that I immediately paid the {$1200.00} balance is an indication I wasn't struggling to make their {$35.00} pyament to support my claim. Thank you for looking into this.
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 XXXX USC XXXX. 


Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX U.S.C XXXX section 602 A. States I have the right to privacy. 

XXXX U.S.C XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( 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. 

XXXX U.S.C. XXXX ( 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

According to the Fair Credit Reporting Act ( XXXX  ) Section XXXX. It is illegal to report information on my credit report without my permission. 
Without Permissible XXXX XXXX Under False Pretenses. Bankruptcy XXXX 's don't verify debt or communicate with CRA. CRA steal info from XXXX. 
Aggravated Identity Theft. 
XXXX XXXX ( XXXX ). 
Permissible Purpose XXXX XXXX XXXX ( b ) LexisNexis. That Bankruptcy " Account '' XXXX doesn't qualify XXXX info without consumer consent.
Product: Student loan

OnXX/XX/XXXXI received an automated text from my loan servicer, saying that I had missed my payment. I was alarmed because I have my payments on automatic debit from my checking account. My payment comes out on time, every time. So there is no way I would have missed a payment, as the loan servicer, XXXX XXXX, had just taken money out of my account on XX/XX/XXXX 

I immediately called them and asked what was going on. Apparently a representative had entered my account, due to the fact that I'm on the Public Service Forgiveness Program, and messed something up which caused my account to show as being delinquent. I as assured by the customer service rep that this would be fixed and to call back in a week. I called back a week later, and it wasn't fixed. 

Now, I'm getting email alerts that my account is delinquent by 19 days. It's also reflecting on the monthly billing statement and it's showing on the website as well.
Product: Mortgage

Ditech processed payments incorrectly and did not rectify in a timely manner which resulted in my having to pay a lock extension fee when I went to refinance. All of this is explained in the attached letters. I have been extremely patient with Ditech. They have sent me several letters saying they are looking into the issue, but it has been over 4 months now. The loan has since been closed because I refinanced, but the issue and outtstanding resolution are straightforward.
Product: Student loan

I am a victim of navients tricks that CFPB is suing them for. I co-sign a student loan. Payments were set up for auto pay from checking account, Navient changed the amount of payment without notification. When payment was sent from bank it was rejected, because incorrect amount. This went on over six months. during this time Navient reported the account delinquent, which showed up own my credit report and affected my credit score. At this time I would like to be released from the loan as co-signee. I was told by Navient that the main borrow would have to file for me to be released. I have to way of getting on touch that person. At this time I am homeless and living in my car. I can't afford a place of my own. I just got a bankruptcy discharge in XX/XX/2018. which makes things much harder Especially getting a job or a place to live. With the student loan on my credit report makes it even harder, because it is over 11,000.00 dollars. I am one of those people that I never thought this would happen to me. I Will never help anyone ever again.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
XXXX XXXX ( XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX ( DUPLICATE ) XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXXXXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be itXXXX XXXX  XXXX XXXX is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX  XXXX XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 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. XXXX XXXXXXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX  XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item asking you to verify as accurate. 
XXXX XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and 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 looked at my report on XXXX and started noticing inquiries that were not mines. Ive tried several times reaching out to inform to my fraud alert and fraudulent activitys but no access these accounts ante not mines XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was informed after my husband was XXXX that there was a credit card opened in my name as primary account holder through NFCU. I have Never applied, had access to or knowledge about this, nor permission. When I inquired about a contract or proof of identification, I was informed through NFCU & this XXXX XXXX that all they knew was that it had been opened Over the Phone from a Females Voice. I asked for this recording, they cant provide. I have filed with Identitytheft.gov, my XXXX XXXX account was also compromised and they were a fast responding company that figured out the fraud and refunded me promptly. Ive filed with the XXXX, and all three Credit reporting agencies. I have a vehicle loan through NFCU, informed me I had to open my own checking/savings account to transfer money into and make the monthly vehicle loan payment. I logged on to do the money transfer into vehicle loan and there were no funds in my account. Upon calling NFCU/XXXX XXXX I was informed this fraudulent card could withdrawal money from my personal checking if there was a payment due on this fraudulent card and that I should know this because it was in my contract. I informed them yet again I NEVER signed a contract, Ive never been provided one, because they dont have one. So now approximately XXXX was stolen from my personal account into this fraudulent/Identity theft credit card without my consent or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent accounts and information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report that I need you removed as soon as possible ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required to remove any accounts and information you report on my Credit File, so please comply with the Federal Law and have the disputed items removed as soon as possible.
Product: Vehicle loan or lease

Basically since we had got the loan the car has needed work after work so paying car note plus put money in the car so it works is to much. We pay car loan every month even if late 1 or 2 weeks it gets paid plus late fee is paid. They call and threaten u after 1 week of being late saying they are taking the car i could see if a person doesn't pay a loan at all but a week or 2 behind? We got a call from them on XX/XX/2018 about late payment and car would be took car payment is due on XXXX every month. We called them got real bad attitude from two different people who work for them both time hung up phone on me. We have had the car around 4 to 5 months now and payment is always paid before XXXX of month. Company is future finance in XXXX XXXX Illinois
Product: Credit card or prepaid card

I paid for merchandise in XX/XX/2018 that was never recieceived. My credit card company originally credited my account, but in XX/XX/XXXX took that credit back. I tried to close my account but they refuse to close it, so late fees and interest continue to pile up on top of the fraudulent charge previously mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Shows Late/Charge off. This account was never late. 

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 a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

I have had several issues with RUI Credit Services related to what they claim is a cable bill not paid. They began calling me XXXX/XXXX/XXXX, and leaving voice messages that did n't contain any information. They continued to call either every day or every other day after this point. I never received any written notification of any debt owed and I contest that I do not owe any debt to anyone. At first I did n't respond, because I did n't even know if they were legitimate or a con artist. When I did respond they claimed that I owed {$100.00} for failing to return a rented modem from XXXX. The modem was bought, not rented. I told them I would clear this up with XXXX, which I did, however, they continued to call and harass me about a debt I did not owe. They finally sent a written notice marked XXXX XXXX, XXXX, almost 2 months after the harassing phone calls began. They have artificially inflated the debt to {$180.00} which seems an arbitrary number they chose. I am currently writing to them to contest my claim, but due to the harassing measures they have already taken, I am not sure that they will comply with regulations and cease and desist. I have read the Fair Debt Collections Act and I count numerous violations : Harassing phone calls, failure to send a written notice of amount owed within 5 days of phone calls, arbitrary inflation of the alleged debt from the first phone call to the written notification. 

I have phone records of their calls and a copy of the written notice. This should prove that they did not comply with the 5 day limit of sending written notice from the first phone contact. I can also provide a list of the times that they called, establishing a pattern of harassment.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for DEPT OF ED/XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXX Last 4 digit of SSN : XXXX
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to XXXX and TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX Unauthorized Inquiry : 1 ) Creditor : XXXX  Date of Inquiry : XX/XX/2023 Please remove this unauthorized inquiry from my credit report Unauthorized Inquiry : 2 ) Creditor : XXXX  Date of Inquiry : XX/XX/2023 Please remove this unauthorized inquiry from my credit report. 

TransUnion 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Product: Vehicle loan or lease

My car was repossessed on XX/XX/XXXX by Westlake Portfolio Management I wasnt able to get my property out of the vehicle until XXXX at XXXX because the tow company that towed it didnt open on the weekend and you had to call and make an appointment to retrieve your personal property and for them to give the address to the tow yard where the vehicle was stored. I have been trying to get a letter from the lien holder since they came and towed my car illegally, but they told me I will receive a certified letter within 10-15days. I was making payments to US Autos  in XXXX FL. When that company filed bankruptcy and went out of business in XX/XX/XXXX, Westlake supposedly took over the loans. They didnt have our contact information or no original contact from when I first purchased my vehicle in XX/XX/XXXX. Ive went to the DMV in my area and US Autos is still the lien holder to the vehicle not Westlake Portfolio Management. I asked a Westlake employee why did my loan start over like it was a brand new loan no one could give me a direct answer. They have reported this on my credit report and has caused significant damage to my credit score.