23daVinci/CFPB_Complaints huggingface dataset:
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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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, credit repair services, or other personal consumer reports

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 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 Also note I want Experian to remove all hard inquiries from my report and all charge off collections! They are violating my rights according to 15 U.S.C 1681 section 604 A section 2
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. The Credit Bureau must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
DPT EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( 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 as soon as possible : XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$670.00} ; XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Mortgage

During a recent credit inquiry it was brought to our attention that there is a discrepancy from the time our home loan/mortgage transferred service from XXXX to your organization SLS, in XX/XX/XXXX. According to the report, one payment is being reported from SLS as 60 days late ; however, this is not accurate and is unjustifiably creating a crippling effect on our credit score. 

We have provided documentation of our last ( XX/XX/XXXX ) statement from XXXX amount due was for XX/XX/XXXX payment. We were informed in XX/XX/XXXX that our servicer would be changing to SLS and that we would be contacted by them with further account and payment information. We spoke with a SLS representative XX/XX/XXXX, we were informed that our total amount due was {$940.00} and we made a payment via telephone at that time. We continued to make regular monthly payments to SLS in the amount of {$1000.00} from XX/XX/XXXX current ( XX/XX/XXXX ) documentation included. 

We have spoken to SLS representatives over the phone many of times regarding this discrepancy. After extensive wait times, often 15-20 minutes, disconnected calls, and being told the person/supervisor that can help you in not in/available, a representative from SLS has informed us that we were delinquent from  XXXX and that delinquency was transferred over to SLS.

We understand our mortgage servicer may change and we do not have control over this process. However, you SLS as the servicer, have a legal obligation to protect us as the consumer through this process. This trust has been fractured through the lack of communication you have been able to provide, despite our efforts to get this resolved in a timely manner.

Again, as you requested we have attached the last statement from XXXX in XX/XX/XXXX and payment documentation from XX/XX/XXXX-XX/XX/XXXX. In all of the correspondence we have had with SLS, not once were we notified of an outstanding balance or have been asked to make a payment more than our current monthly obligation.

This mistake during this transfer of lender service to SLS has caused a significant burden to our family and your actions through our initial encounters to discuss, review, and resolve this issue have been less than helpful.
Product: Credit card

On XX/XX/year> around XXXX XXXX I called Chase Bank to negotiate a settlement for my two Chase cards. I received settlement options for each card and agreed to settle one of my two cards. The representative on the phone instructed me that for a payment of approximately {$1500.00}, I could get one of my accounts current and not have to close it. I immediately sent payment to keep the account open and chose to decline a settlement amount of {$13000.00}. I spent over an hour on the phone between XXXX and XXXX EST in discussing this. 

The very next day, only a few hours later, on XX/XX/year> Chase closed my account of the card I had sent payment to the prior day, without notice or explanation. XXXX days later, when I received notice of both accounts being closed, at XX/XX/year> at XXXX, I called Chase to inquire about why they closed an account that I had made current the previous week. I was told " we are allowed to close your account at any time. '' I told them my prior weeks call had been recorded and that their representative encouraged me to keep the account open and make it current and was told " our representatives are trained to get our customers current on their payments as first priority. '' This was from the supervisor I spoke to named XXXX. 

I inquired about a settlement after knowing they closed my account, and my amount quoted was {$23.00}, XXXX which is more than {$10000.00} higher than the amount that was quoted a week earlier. I was transferred to different representatives six times and was on the phone with them for two hours and 13 minutes with XXXX resolution to my problem. 

I was given deceitful information which directly caused me to make a wrong decision. They claim there is nothing that can be done for my case.
Product: Debt collection

On XX/XX/XXXX I received a call from IQ data regarding collection matter. The representative XXXX proceeded to inform me of outstanding balance owed to previous property management company XXXX owned by XXXX XXXX  XXXX. I informed XXXX this is first time I hearing about this and it was fraudulent placed upon hearing the items. I had resided at XXXX from XX/XX/XXXX to XX/XX/XXXX. I had paid all my bills on time even during XXXX. During my residency I had caught the property manager placing fraudulent charges which would be fixed upon contacting thier law firm. During my stay there was numerous fraudulent practices including trying to raise my rent claiming they did not have lease in file. I provided lease they destroyed along with documentation for carpet and other things they never fixed. At this point it was clear this company that does fraud as business practice to destroying lease documents. I moved out on XX/XX/XXXX and have paid all my rent on time and confirmed it was XXXX balance with staff due to concerns of thier integrity and fraulent businness practice I experienced during my stay. I notified IQ data of this being deliberate fraud and send email documentation of my correspondence with XXXX upon my move out. 
IQ Data seemed not address the matter and threathend to place negative reports on my credit. I had contacted the Operator and Manager XXXX officer of company from XXXX XXXX and notified her of this being case of fraud and requested her to call me back. After XXXX  voicemail she did not return the call or address documentation provided proving falsied debt placed. 
On XXXX XXXX IQ data placed a negative report on my credit. I have XXXX credit and they dropped below XXXX on a falsified debt they are aware was fraudulent placed. I ask FTC to request IQ data  to remove fraudulent collection and look into criminal laws broken regarding fraud on thier client XXXX  as well as IQ Data for placing fraudlent collections. This us practice this company is assisting in fraud and helping XXXX extort money from past residents. This is white collar extortion for debt made up with any merit. I attached screenshot of charges the placed. The carpet was very old and was told they would replace it with hardwood like all othe apartments which was never done and than put this frivolous charges together along with tub refinishing for bathroom they were notified of issue going back XX/XX/XXXX which they never properly even fixed. This complex is going through renovations and I was living in unit they did not even change carpet out comparef to all the other units which were hardwood, its blatant fraud when are charging for things which were the responsibility to fix while was tenant. I was promised hardwood due old carpet upon move out and was first thing they had false promised on but than to see it placed fraudlenty as a debt is gross misconduct and fraudulent business practice they are doing.
Product: Payday loan, title loan, personal loan, or advance loan

I had a few loans with them. I was always told the additional products were necessary for the loans to process.
Product: Payday loan, title loan, personal loan, or advance loan

I took a personal loan back in XXXX of XXXX  to help with medical bills, and personal bills became i had recently had a child and basically lost everything at once. I was paying the loan and then after my life crisis i couldnt financially make payments at the time. I tried to lower my payments or get an extension but it was hard trying to get a live agent on the phone to explain and the loan ended up on my credit and begin to lower my credit making it hard to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently looking at my credit report, I noticed account and inquiries reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, that does not relate to any credit transactions that I have made. Removed these items from my credit report because they are fraudulent and hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XXXX   XXXX   XXXX    , I contacted ChexSystems via email to inform them that  XXXX   XXXX  had incorrectly reported an address that I have never lived at or used.     On   XXXX   XXXX   XXXX    , I received a written letter in response stating that since the address was submitted by a financial institution it was being retained in my file.     Since the  Federal Fa ir Credit Reporting Act requires them to correct or delete inaccurate, incomplete or unverifiable information within 30 days, ChexSystems is in violation of this law.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I had received an email from my credit union that XXXX XXXX  had taken a XXXX dollar payment that I didnt make! I saw two other returned payments from them! I called XXXX XXXX immediately and they told me they would do an investigation for account take over. XXXX XXXX  told me to call my credit union and tell them to return that XXXX payment and I did. I never heard back from XXXX XXXX, they never sent me any statements - no letters. And they charge off my account! Now my credit is ruined! They told me theyll delete the trade line and its still there. No one has any updates every time I call!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion 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, credit repair services, or other personal consumer reports

EVERY NUMBER I TRY TO REACH A LIVE CUSTOMER SERVICE PERSON CUSTOMER AT EXPERIAN LEADS TO AN ENDLESS LOOP OF QUESTIONS AND NO OPTION TO SPEAK WITH A LIVE AGENT. THE NUMBERS I HAVE TRIED INCLUDE : XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX. I CAN'T BELIEVE THIS COMPANY IS ALLOWED TO GET AWAY WITH HANDLING ALL CUSTOMER SERVICE BUSINESS BY A RECORDING. I AM REACHING OUT TO MY LOCAL, STATE & FEDERAL OFFICIALS TO COMPLAIN ABOUT THIS ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay 's put me in on a " Long Term Assistance Program '' for the credit card on XX/XX/XXXX. The terms were to pay the minimum payment for 60 months and they closed the credit card. This was in XXXX of XXXX. They then continued to report late payments - 120 Days Late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then started reporting On Time Payments in XX/XX/XXXX and XX/XX/XXXX. Then from XX/XX/XXXX to XX/XX/XXXX they have reported 30 Days Late EACH MONTH. I've been making my minimum payments as I was instructed to but Barclay says the way that it records in their system is late ( even though its not 30 days late ). In XX/XX/XXXX they stopped the Late Payments ; however, the previous ones are still there when I was just following the plan that they gave me. They did not disclose that paying the minimum payment and being on the program would still report late payments to the credit bureaus. 
I've disputed this issue with the Bureaus and Barclay 's multiple times but can't get them removed. Barclay 's has admitted over the phone that it shouldn't have reported late payments but they can't do anything about it because of their system reporting. The credit bureaus just verify the information when I dispute with them. 
Further, the letter received when put on this program says that my minimum payment will be {$120.00} and no late fees will be applied.
Product: Credit card

We stopped making payments on our Avant credit card because we entered into the XXXX XXXX XXXX XXXX. We turned off the auto pay. Avant signed into our account and changed the setting back to auto pay, selecting the " pay full balance '' option, and then withdrew the entire balance of {$2000.00} from my bank account without my knowledge or consent. They refused to correct this and lied and said we changed the settings ourselves. However, the date they claim we changed the setting was at least a month before we entered into the XXXX XXXX. So this is a lie, and they committed fraud.
Product: Debt collection

My identity was stolen in XXXX, someone filed my taxes and received the refund. When I realized this had happened I immediately went to the IRS to see what I could do to resolve the situation after XXXX XXXX XXXX XXXX gave me the run around because they initially didnt believe me when I said I havent filed taxes yet for that year. The assistant at the office only gave me info to send in affidavits to resolve this issue. I havent been able to file taxes within the last few years due to not receiving a pin to file them, fear, and lack of knowledge. Now, I have been doing more research, wanting to check my credit scores, calling companies to relieve fraudulent accounts to start my life. Theres plenty of credit reports from hospitals and credit cards that Ive not been aware of. These are the accounts that are on my report. 

XXXX XXXX XXXX  for {$790.00} XX/XX/XXXX XXXX XXXX XXXX  {$790.00} XX/XX/XXXX XXXX XXXX XXXX  {$770.00} XX/XX/XXXX XXXX XXXX XXXXe {$380.00} XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXXr {$220.00} XXXX XXXX
Product: Debt collection

Subject : Formal Complaint Regarding Disputed Charge and Violation of FCBA and VCPA by Fidelity Credit Card Services Fidelity Credit Card Services is continuing to bill my credit card for a disputed charge on XX/XX/year> in violation of the Fair Credit Billing Act ( FCBA ) and the Virginia Consumer Protection Act ( VCPA ). 

**Details of the Dispute : ** On XX/XX/year>, a letter and evidence was submitted to Fidelity to dispute the following : - **Disputed Charge Amount : ** {$1200.00} - **Merchant : ** XXXX - **Date of Charge : ** XX/XX/year> - **Date of Dispute Notification : ** XX/XX/year> Despite my formal notification, Fidelity has continued to bill me for this disputed charge, which is a direct violation of the FCBA and VCPA.

**Violation of Fair Credit Billing Act ( FCBA ) : ** Under 15 U.S. Code 1666 ( Correction of billing errors ), creditors are required to : 1. Acknowledge receipt of a billing dispute within 30 days. 
2. Investigate the dispute and resolve it within two billing cycles, but no later than 90 days.

3. Refrain from reporting the disputed amount as or attempting to collect on it during the investigation.

**Violation of Virginia Consumer Protection Act ( VCPA ) : ** The VCPA prohibits unfair, deceptive, or fraudulent practices, including improper billing practices. By continuing to bill me for the disputed amount, Fidelity is engaging in deceptive billing practices that are prohibited under the VCPA.

**Actions Taken : ** 1. **Initial Dispute Notification : ** - Date : XX/XX/year> - Method : Written letter sent via certified mail - Companys Response : No acknowledgment received XXXX. **Follow-up Actions : - Date : XX/XX/year> a fax was sent to XXXX ( see attachments ) XXXX XXXXXXXX XXXX by telephone. Customer Service Representative - Companys Response : still billing it on my transactional history statement Despite my attempts to resolve this issue directly with Fidelity, the company continues to bill me for the disputed amount, causing undue stress and potential damage to my credit standing. 

**Supporting Documentation : ** I have enclosed copies of the following documents to support my complaint : 1. Copy of the billing statement showing the disputed charge.

2. Copy of my fax on XX/XX/year> written dispute notification. 

I request that the CFPB investigate this matter and take appropriate action to ensure that Fidelity complies with the FCBA and VCPA. Additionally, I seek that Fidelity ceases billing for the disputed amount and corrects any negative reporting related to this charge. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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: Payday loan, title loan, personal loan, or advance loan

borrowed {$800.00} from XXXX and have already paid back the full amount I borrowed. However, XXXX is demanding over {$3000.00} in total due to extremely high interest rates. This is unacceptable and appears to be predatory lending. 

I live in Florida, where interest rates are legally capped, and XXXX APR is far above the legal limit. I did not fully understand how much I would end up paying, and I believe their practices are deceptive and harmful to consumers. 

I am requesting that this loan be reviewed and that no further payments be required. I am also asking for assistance in stopping them from withdrawing any more money from my bank account.