23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally notify you that your attempts to collect on the alleged debt acct # XXXX in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. As you may not be aware, this claim is governed by an arbitration agreement with XXXX XXXX, which clearly stipulates that " any dispute must be resolved through arbitration due to the binding agreement. '' To date, no arbitration proceedings have been initiated. As a direct result of that this constitutes a material breach of the original agreement, which was acknowledged by all parties involved. As such, I assert that you have no legal right to continue collection efforts on this debt, please cease and desist 15 usc 1692c also remind you of the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which held that reporting a debt to credit reporting agencies constitutes a form of communication under the FDCPA. Any continued reporting of this alleged debt to credit bureaus without proper validation will be considered a violation of the FDCPA. Additionally, I understand that this alleged debt was likely purchased for pennies on the dollar. Given these circumstances, I am extending you an opportunity to resolve this matter amicably. Arbitration, as stipulated in the agreement, is not a trivial matter. The cost of arbitration can be significant, and I believe it would be in your companys best interest to avoid the expense and time involved. Below is an itemized list of typical costs associated with arbitration : Filing Fees : The cost of filing for arbitration can range from {$200.00} to {$1500.00}, depending on the arbitration provider and the amount in dispute. Arbitrator Fees : These fees can range from {$500.00} to {$2500.00} per day, with multiple days of hearings often required. Legal Fees : Each party is responsible for their own legal costs, which can easily exceed {$5000.00} in many cases. Other Administrative Costs : This includes fees for document handling, hearings, and other necessary procedures, which can add up to an additional {$1000.00} {$3000.00}. As you can see, the total cost of arbitration could easily exceed {$10000.00}, not to mention the potential for additional legal expenses. Thank you for your prompt attention to this matter. I look forward to resolving this issue swiftly.
Product: Student loan

I had taken a loan from Sallimae which later was taken over by Navient. 
I have been very good with my loan repayments. Always on time as I am on auto repayment I havent missed even 1 payment. 
While signing the loan I very clearly remember it saying that if I am good with my loan repayment I will get a loan forgiveness for my last 6 months. 
However few months ago they increased my stating the the loan doesnt add up. 
I wasnt sure and now I think I am basically paying off the last 6 months loan forgiveness loan. I am am so upset. 
I dont have the time to fight them but I think they should be punished if they stealing money from hardworking taxing paying individuals Have attached a document stating my loan amount is changed. 
I had a fixed rate of interest and didnt default but they increased my payment which I am sure is to cover the last 6 months loan forgiveness for paying on time.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX ( 1

) 15 USC 1681 Section 602 states i have the right to privacy. ( 2 ) 15 USC 1681 Section 604 A section 2 : it also, states a consumer reporting agency can not furnish a account without my written instructions ( 3 ) 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

XXXX XXXX PA XXXX XXXX XXXX XXXX Was paid in full XXXX of 2015. Zero Balance. I called the XXXX XXXX XXXX, and they told me I was paid in full and the only way to have it removed from my credit report is to report it to the XXXX Credit Bureaus. I did and the account is still in collections on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Experian. I incorporate by reference and support the attached Mortgage credit report. According to Experian, the key score factors that adversely affect my Experian credit score : SERIOUS DELINQUENCY. Note : According to Experian reporting, I have 11 open accounts, all of which have never been late. Note : According to Experian I have 12 closed accounts, 1 XXXX XXXX account paid off two years early when XXXX misreported a late payment in XXXX which I disputed ; 4 Department of Education Account closed, having never been late ; 1 XXXX XXXX XXXX XXXX loan closed, having never been late ; 1 XXXX XXXX XXXX account closed, having never been late ; 1 XXXX XXXX XXXX XXXX Account disputed and closed, having never been late and XXXX XXXX and scheduled to drop from reporting in XX/XX/XXXX ; 4 XXXX accounts closed and disputed wherein XXXX abandoned their claim and then issued a separate 1099 for each and scheduled to drop from reporting in XX/XX/XXXX. High Credit Use. Note : According to Experian reporting, they report two mutually exclusive factors. First, they report my ratio of revolving balance to credit limits is 96 %. Second, they report my Credit Utilization is 2 %. Third, they report my available credit is 98 %. Fourth, they report my credit card and retail debt is {$600.00}. Fifth, Experian is not publishing all of my credit cards, of which all but two have a {$0.00} balance. or line the 5 my ratio to limit is 2 % with credit availability of 98 %. Bad payment history. Note : According to Experian reporting there are seven accounts with previously missed payments. Few Accounts Paid on Time. Note : According to Experian reporting, I have 11 open accounts that have never been late, yet they report there are only 2 being paid as agreed. Again, this reporting is mutually exclusive and Experian is making damaging content up. In fact, I have 21 open accounts paid as agreed, but 10, Experian is not publishing, on information and belief, because doing so would mandate that my credit report be corrected and FICO Score increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is complaint im refering to transunion stated that i need to ket you guys know which inquirys are.all of them i need proof i stgned for them or was offered credit. i have stated numerous times all of inquirys except for XXXX filed on XX/XX/XXXX should be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out and here is the Tracking # XXXX According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information.

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX ) I'm requesting a XXXX dollars per violation or Deletion of the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I KNOW BANK OF AMERIC AND ALL THE CREDIT REPORTING AGENCIES DONT CARE ABOUT CONSUMERS, BUT I NEED SOMEONE TO HELP ME. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL REQUIRED INFORMATION TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT PROFILE, THE CHARGES THE PAYMENTS AND THE ACCOUNT ARE FRAUDULENT. AT THIS POINT I AM THINKING THAT THIS IS SOME KIND OF A SCAM, IETHER THE CREDIT REPORTING AGENCIES OR THE BANK OF AMERICA IS SELLING MY INFORMATION TO THE THIEF.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX and Im an American Express customer for the last 5 or 6 years. I had a limit of XXXX on one and XXXX on the other. My balance was XXXX when I started using it in the past month or so and as soon as I use the card they lower my credit limit. Not on XXXX but both. My credit score is still excellent probably even better than it was when 1st applied. I was a excellent customer, never late and never asked for an extension. If they didnt want me to use it then why give it to me. I used XXXX only out of XXXX. I would like this rectified and have my limit restored.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX 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 XX/XX/XXXX to XX/XX/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 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 or other personal consumer reports

Lenox financial services did a illegal credit check and now won't answer phone calls and hang up when I call
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted experian to complain about excessive and illegitimate credit inquiries that were clearly not authorized on my credit report, I had spoken to a representative by the name of XXXX whom refused to transfer me to a supervisor and refuse to address to the unauthorized and frivolous inquiries by credit agencies for instance within one single month XXXX XXXX XXXX checked my credit four different times in one month. Other inquiries from XXXX XXXX are repetitive and unauthorized Experian, XXXX and XXXX refuse to investigate this abusive process claiming they must remain for two years.
Product: Credit card or prepaid card

I have a loan with COMENITYBANK/VICTORI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and COMENITYBANK/VICTORI with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2019.
Product: Credit reporting or other personal consumer reports

My information was bought and sold illegally because I was a victim of equivalent data breach.I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothin.please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXXXXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX has violated my rights. Or a 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, 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.

Account name : # 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 : # 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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., Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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., Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

I have stuff in collections thats are not mine. Student loans and phone services are not mine. XXXX and etc. Also other things that was inaccurate that i dont evsn know about or even know how someone was able to do that. i was also a victim a identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last four months I have sent dispute letters, validation letters to creditors for items tha are being reported on XXXX and TranUnion for unauthorized inquiries on my Credit Reports. Today which is XXXX I called XXXX and TransUnion only to be talked to rude as XXXX by the representatives. All of my information was involved in the breach and the inquiries that are on my credit reports are unauthorized from fraudulent activity. XXXX removed two but then the rep proceeds to tell me that she ca n't remove the other two because I have to contact the creditors. Well if this was the case or even true then why did she remove the two she removed? No inquiry that is on my TransUnion Credit Report is authorized by me. The rudeness I encountered today was beyond words. I called XXXX and the rep was so rude she would n't even let me get a word in. She then tells me that XXXX is not authorized to remove inquiries, I sat right next to my husband as he talked with reps from XXXX and TransUnion that removed his inquiries without any hesitation. He gave the reps the exact same reason I gave them to have his inquiries removed. The inquiries are preventing me from establishing my credit and stopping me from moving forward in my business. I just want the unauthorized inquiries removed.
Product: Credit reporting

We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. Review the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at he time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the Consumer Protection Agency. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster Relief program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax announced a cybercrime identity theft event potentially impacting approximately 143 million U.S. consumers, I was one of those affected. Equifax exposed my SSN, address, name, DOB, and potentially other information to hackers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number when possible in the attached PDF.