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

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( 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- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( 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- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, XXXX, and Equifax have 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 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

- I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I disputed XXXX XXXX XXXX and Plaza Services on my XXXX  Credit Report. I received a notification on XXXX that the information is correct and accurate. This claim is fraudulent and the credit reporting agency refused to remove this negative mark.
Product: Payday loan, title loan, or personal loan

I applied for a short term loan on XX/XX/XXXX through an online website for XXXX XXXX. I did not receive any details about the loan but the money was credited for {$600.00}. I am still not able to view the online loan agreement and have requested but never received any copy. 

I requested that XXXX revoke my ACH agreement and that my payment of {$150.00} be applied and a balance owing be provided so I may payoff any balance minus that payment. When I click on my loan agreement online I am redirected to another lender - XXXX XXXX XXXXXXXX but nothing appears except an error message. I get the feeling they are misrepresenting who they are. Neither XXXX XXXX or XXXX  appear to be licensed in South Dakota. 

The online account screen shows I still owe 13 more payments of {$150.00}. That would make a total repayment {$2100.00}. That is nowhere close to the cap of 36 % I expected. 

I can not get them to revoke the ACH or provide me with a payoff except for the full amount. I sent a revoke letter again on XX/XX/2018 along with a request to payoff and was told I had to pay the full amount to payoff and they were not able to revoke the payments through ACH. 

Please help me address my concerns about this lender and reach a resolution that is legal and fair.
Product: Debt collection

In 2020 I consolidated my debt with clear one advantage. After paying XXXX monthly I realized that they received more money than my creditors. I called to cancel and shortly after that was hit with a law suit. The lawsuit came from XXXX on behalf of XXXX XXXX. I only received the letter in my mail box and was never served and never signed for anything. This company clear one advantage too advantage of me. Im a XXXX who got overwhelmed with debt and they preyed on me. I looked up to s of information and found out according to 15 usc 16921b that it is illegal. Second, they have put the items that should have been paid back on my consumer credit file. They are taking me to court over this alleged debt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft through Equifax Data Breach and several others the following inquiries listed in this report below and in my identity theft report which is attached are all fraudulent. 

Fraudulent Equifax XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX & XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit card or prepaid card

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Product: Credit reporting

Information Equifax is incorrect they deleted my current address XXXX XXXX XXXX XXXX XXXX AZ XXXX and replace it with the address of a XXXX XXXX XXXX XXXX this not or never have been my address see atachments. 
Also these XXXX Accounts are not mine please provide me with proof in writing How I these credit accounts belong to Me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Closed Opened Date XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Open {$82.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$82.00} High Balance {$23.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$40.00} Remarks Medical XXXX
Product: Student loan

My loan is supposed to be deferred until six months after I graduate. That would be XXXX. However I finally get a voicemail from them and get access to logging in the portal and somehow they are behind? They also show the payment starting on XX/XX/19 but its XX/XX/19 today and Im behind three months. I will not tolerate this.
Product: Checking or savings account

Accounts was open with wells fargo n XXXX  XXXX XXXX by someone without my permission now im unable to start a account with any bank
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 6o2 states I have a right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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: Mortgage

I have FAXed, three times the requested information from Bank of America, the first two I explained and told them the number given to me, only to be told that that was not the correct number. I was given a second number to FAX my information, and they don't know where that is in the " system ''. I have emailed, multiple times the information requested, only to be told Tuesday from XXXX, that he was only able to see the top third of the documents, to whit I instructed him that that was an IT issue, not mine, so I was transferred twice Tuesday, and was still again requested to send said documents, and I asked if sending just the " third '' sections would be better, and was told better than to not do that. NOW, they are saying that what I sent was not readable, as it was due to it being listed on the bottom half of the page below the XXXX XXXX  ( this is a XXXX document ), and did not include the lien holders name. THIS means they DID and WERE able to read all the documents. They have been giving me the run around for three weeks now and all that I have requested, under duress I will add, is a lien release letter so that we can get our insurance moved to XXXX XXXX from a previous company. They are refusing to release this letter, and I can only guess and presume, they don't really know how to do this. As of tomorrow, XXXX XXXX, we will not have insurance on our home due to their neglect of this matter. I do not have an account number, as this was paid off years ago, and they are unable to give that to me to confirm or deny that there is even a balance on the lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are supposed to have the right to freeze our credit. I created an online account with Experian to do that. The problem is that there does not seem to be a way to freeze my credit when logged into my online account as they advertise. When I login, they attempt to sell me a bunch of services that I don't want or need while simultaneously making it impossible for me to find the credit freeze function. They prominently show a fee-based service called credit lock. Which is easily confused with credit freeze. When clicking on it, it provides a button to " Upgrade to Lock your File ''. This requires payment and is deceptive as the meaning of " lock '' and " freeze '' are similar. 
They do provide a phone number, and I will admit that freezing my credit using the phone number was remarkably easy.
Product: Credit reporting or other personal consumer reports

In violation of federal law, the unverified accounts listed below still report to my credit report after numerous written requests. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these accounts, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. XXXX  XXXX Balance Owed : {$300.00} ; XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$7000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00}
Product: Mortgage

We entered into a trial modification agreement and completed it. The Trial period was supposed to be XXXX months but we ended up paying ( 5 ) trial payments of {$2600.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
We finally received the modification package dated XX/XX/XXXX. 
SLS sent us a Notice of Default and Notice of Intent to Foreclose,  why? We have never missed a payment.We paid 5 trial payments, we had a suspense amount on our loan of $ XXXXhow was the monies paid applied to our loan? 
We received 2 statements for XX/XX/XXXX - one stating that we owed {$12000.00} and another stating that we owe {$8.00}, XXXX. 
( 1 ) The statement owing {$12000.00} shows XXXXpmt -  {$2000.00} XXXXpmt - {$3100.00} XXXXpmt - {$3100.00} XXXXpmt -  {$3100.00} ( 2 ) The statement owing {$8900.00} shows - XXXXpmt - {$2500.00} XXXXpmt - {$3100.00} XXXXpmt - {$2600.00} with a suspense amount of {$610.00} What is going on withe the amounts changing on the payments, we have tried to talk to representative they have looked at the mortgage note and the modification agreement and they could not see any reason why the payment are changing and it did not say in any of the documents that they saw why the payments would be different it is not adjustable. We have checked the taxes and the insurance. In order to maker the payments we must get a supervisor to make the payment over the phone. No one has an answer. They told us to write a letter. We are writing the letter to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations all XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 

Hippa violations : Last Reported XXXX  XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX XXXX  XXXX  Status Open Opened Date XX/XX/XXXX Closed Date Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX   XXXX XXXX Status Open Opened Date rted XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} XXXX XXXX  civil violations Account Details Last Reported XX/XX/XXXX Collection Agency XXXX, XXXX Original Creditor XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$470.00} High Balance {$470.00} Remarks --
Product: Credit card or prepaid card

Missing " XXXX XXXX XXXX  '' : Per the terms and conditions of the XXXX XXXX XXXX American Express Card : https : //www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-brilliant-card/25330-10-0 # offer-terms XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX Member Account within 60 days upon opening your Card Account. On or before XX/XX/XXXX of each subsequent calendar year, the XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX Member Account operated by XXXX XXXX XXXX XXXX, in accordance with XXXX XXXX terms and conditions, as long as your Card Account is open as of XX/XX/XXXX of the prior calendar year. 


My issue is with the verbiage : The XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX Member Account within 60 days upon opening your Card Account. 

I opened the credit card account on XX/XX/XXXX and expected to receive XXXX XXXX XXXX XXXX within 60 days. 

On XX/XX/XXXX, I reached out to American Express Customer Service ( AMEX ) to follow up as the credits were not received. The representative assured me that the credits would become available and they would count towards XXXX. 

On XX/XX/XXXX, I reached out to AMEX to follow up on the XXXX credits and was told the credits would arrive by XX/XX/XXXX. Customer Service also stated that they would open an investigation. 

On XX/XX/XXXX, I called XXXX customer service but was told my issue was credit card related and only AMEX would be able to assist. Reached out to AMEX again and was told their investigation returned no defects. AMEX stated that they would re-open the investigation and that it would take up to 2-3 billing cycles for results. Also went over the Terms and Condition verbiage with the customer service representative to make sure my interpretation was correct that I should have received 15 night credits for XXXX. Confirmed my XXXX Account Number with the AMEX representative. 

On XX/XX/XXXX, reached out to AMEX and was told the investigation was still pending and it would take an additional 2-3 business days. 

On XX/XX/XXXX, reached out to AMEX and was told the 15 night credits would arrive in XXXX. 

On XX/XX/XXXX, reached out to AMEX and was told the 15 night credits were applied to my XXXX account but in fact it was not. Tried reaching out to XXXX customer service again but was rebuff.
Product: Debt collection

This company has been on my credit report for years, when you contact them they are rude disrespectful and degrading. I spoke to providers who tell me they can not locate an account nor do I owe them any more. Bull city financial solutions will still not remove their accounts from my credit reports. I have spoke to the providers billing department and have also spoke to bull city with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXXXXXX XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  ACCT. # XXXX XXXX XXXXXXXX ACCT. # XXXXXXXX XXXX  ACCT. # XXXX XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX # XXXXXXXX XXXX  ACCT. # XXXX XXXX ACCT XXXX # XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX XXXX ACCT. # XXXX XXXX XXXX ACCT. # 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.
Product: Money transfer, virtual currency, or money service

XXXX account was closed Im not sure of why I had fraud on my account that I reported and never was refunded this was XX/XX/scrub> XXXX XXXX
Product: Student loan

I attended XXXX from XXXX graduating with a BS in Web Development and XXXX XXXX. Shortly after graduating I was notified via mail that I was a student effected by XXXX 's false advertisement by the FTC. The false advertisement that XXXX publicly admitted to. From mid 2014- present I have receive deferments and forbearance but no permanent resolution to the issue. I called GSFC/GSFA/GHEAC on numerous occasions and spoke to a person in legal that said that there was nothing that can be done about the loans. He stated he did not have adequate information, even though I sent the article that clearly states that it was a valid lawsuit and to seek further action for forgiveness. From 2014 to present the loans have accrued interest and I have had no resolution as to why my loans have not been forgiven or cancelled when the information and resolution options included in the lawsuit were provided and the documents were made public. I have made several good faith attempts to have this resolved by GSFC/GSFA/GHEAC with no resolution. The lawsuit by the FTC was resolved and XXXX admitted their guilt and GSFC/GSFA/GHEAC has caused major financial damage affecting my family and I for the past 7 years.
Product: Credit card

I was part of an promotional plan that would end XX/XX/XXXX. My XX/XX/XXXX statement said that XXXX was due by XX/XX/XXXX to avoid assessed interest. On my XX/XX/XXXX statement it is clearly listed that I paid XXXX on XX/XX/XXXX. My XXXX statement also indicates that I owe XXXX by XX/XX/XXXX to avoid assessed interest. For a few months I thought this was an error and it would be corrected. It has not. I started calling in the summer of XXXX and have called at least 6 times since then and I have used their message option on their website. I am promised that it will get rectified and they have even credited me back the interest that they have charged me but no one will look into why I am being charged. I pay my statement off in full every month. I have been told that you can't work with one person and they will not call you. They sent my issue to the complaint dept and I was awarded {$2.00}. I dont know where they came up with that or why. I feel like a XXXX. 
I can't just stop using the card because of the accruing interest. It has been almost a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is continuously reporting DEROGATORY STATUS in regards to my loan UNDER FEDERAL LAW (CARES ACT RULES) I reqested a forbearance  COVID-19 (PRIOR to becoming deliquent ) PLEASE NOTE THERE RESPONSE IN PREVIOUS COMPLAINT A LYE !!! XXXX the time of first complaint NOT OFFERING ME THE FORBEARANCE THEN ALL OF A SUDDEN AFTER MY COMPLAINT THEY WERE FORCED TO COMPLY, ALSO THEY VIOLATE THE GRACE PERIOD XXXX no time was I delinquent when applying for COVID-19 therefore its illegal under Cares Act. THEREFORE THERE NOT REQUIRED TO MAINTAIN A DELINQUENT STATIS "there a lyer)  by federal law required to report as CURRENT, I spoke to there legal department numerous times and they agreed the report was wrong then last week he stated it was not wrong and I hung up in his face, there tactics and damaging my report has acquired much emotional harm as well higher interest rates that creates a hefty penalty/LAW SUIT there wrong reporting dropped my score XXXX points QUITE DAMAGING please note I am a payee on the XXXX XXXX law suit and XXXX has adopted the same practices.