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

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Account # 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: Debt collection

Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.
Product: Credit reporting or other personal consumer reports

I am not able to get any assistance from this company as it relates to checking the status of my CFPB complaint opened XX/XX/XXXX complaint number XXXX. I am requesting that the 30 day late for the month of XX/XX/XXXX be removed. I have provided proof that the payment was received however, I have not received a updated call or letter regarding the status or resolution. Teammates are not sure who I need to speak with for an updated status. As of today, the CFPB complaint XXXX is showing that the company is still in review with the consumer company. I am now speaking with an agent that states that the complaint was completed XX/XX/XXXX but they are unable to provide me with an updated status. Again. please remove the 30 day late immediately or further lawsuit action will be submitted.I have spoken with the CFPB directly and the agent is advising me that the case is still opened and has not been completed by the company. This is not fair to keep having to speak with so many people that give you no information or different information, In the meantime I am suffering harm because my credit is jeopardized
Product: Vehicle loan or lease

Our XXXX XXXX XXXX was totaled on XX/XX/XXXX. I called XXXX  financial services as soon as we knew it was totaled to cancel our extended warranties. I was told it will take XXXX business days to be refunded. I didnt receive anything in that time frame. I called back. XXXX said oh we forgot to complete a form. They filled out whatever and in XXXX weeks I received XXXX check but not the other. Called again. Was told XXXX business days because it needed approval. Again waited. Finally received a check for XXXX on XXXX and deposited into my account. Bought another car, finally! Needed that for a down. A week later, the check is reversed causing my account to go negative. XXXX hours on the phone with them and my bank and XXXX finally told me to take the check to their bank ( XXXX  ) and cash it there. The following day XX/XX/XXXX my husband takes off work early and I meet him at XXXX only for them to tell me that the check shows its only in my name in the system but the actual check has both of our names. I call again ( now like my XXXX time ) for them to cancel this check and issue me a new one. I explain that my account is overdrawn because of their error and they should overnight the check to me. I havent received anything. I called just now and was told its in process. XXXX is a XXXX dollar company and I live paycheck to paycheck and they dont care that I have negative money because of their error!!
Product: Credit reporting or other personal consumer reports

Please accept this letter as my formal writing request for the following items on my credit report to be investigated.

According to the Fair Credit Reporting Act 15 U.S.C S 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. I did a dispute and they are saying that it's not me. I certified that I am the one submitting the dispute. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for my family.
Product: Credit card or prepaid card

My name is XXXX XXXX I am on XXXX XXXX XXXX XXXX Georgia XXXX and been waiting on my way2go debit card from gdol and haven't received it and it's almost XXXX and would like a call I called customer service no answer on more than one occasion
Product: Debt collection

I have just received today my XXXX credit reports, there no report of a XXXX credit card listed ever.that is reason for me telling CFPB, i never had a card, thats why I never in 2 yrs got a verification for this debt.if you ask me, i will send copies to you. I have been jilted by this man, i do n't believe you will let this happen to me.i see now I have reason to take it to the courts.they never told me XX/XX/XXXX, of judgement until XX/XX/XXXX.lies!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a voluntary report in XX/XX/XXXX. XXXX XXXX XXXX took possession and continued to report monthly late payments of 120 days past due. The last report they made for 120 days past due was XX/XX/XXXX. I have tried contesting the late payments and balance owed for the past 9 months, with negative results. On XXXX I visited my local XXXX to determine if the truck was still registered to me. It was later determined by a VIN search that XXXX XXXX XXXX Sold the truck on XXXX and registered in North Carolina. I immediately contacted XXXX Solutions and reported what I have learned. XXXX XXXX XXXX representative stated that They will continue to report late payments until I pay the balance of {$28000.00}. 
They can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I am requesting that all late payments be removed after date of repossession. Furthermore that I be reimbursed the {$5000.00} down-payment on the vehicle, due to the negative impact to my credit. It has caused me time, money, and emotional distress to try and correct the intentional and grossly inaccurate damge.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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. XXXXXXXX XXXX XXXX  AND DEPT OF EDXXXX 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 card or prepaid card

I never applied for this card why is it on my record I would like it to be remove I need my score up soon and I have no idea what this is
Product: Mortgage

I have been trying to work out a loan modification with Caliber Home Loans since XX/XX/XXXX. Each time I have submitted the paperwork they 've asked for, they say they need only certain additional documents for a complete package. Each time as I have submitted what they request, they say to check back the following week, and then they have either come up with a different list or say they have n't received something that has been sent multiple times. At one point, my first Housing Counselor said she sent a certain item 3 times to them. They have given a list of items one day and two days later when they have what they asked for they give a different list, all the while pushing back and stalling the timeline of review so that I am now in danger of foreclosure. 
They are now in the process of DUAL TRACKING ... Caliber refuses to take the foreclosure sale date off my house, even though they finally conceded on XXXX XXXX that they have a complete loan modification document package to review. One representative told my housing counselor they would take it off in a few days after processing. Another, 2 days later, told her they will not remove the sale date as they believe they 'll finish reviewing and make a decision before the sale date. This makes it sound like they are really intending to go through with the sale, even though they say they 're reviewing now. I am no lawyer, but I doubt that the actions of Caliber Home Loans constitutes Truth in Lending, as I have caught them lying to my Housing Counselor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of six accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15. U.S.C 1681. 

Account name : XXXX XXXX XXXX, reporting six derogatory times on my TransUnion credit report with six separate accounts and balances and has violated my rights. 

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

15. U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15. U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate. 

Please delete these XXXX derogatory XXXX XXXX XXXX accounts immediately.
Product: Checking or savings account

Hello, all of my money has been being held by Citi bank since XX/XX/2022 and I have not been able to access my own funds. I have both Checking and savings accounts with Citi Bank and am also a Priority client. Citi will provide me no information and are of no help. They have blocked my account and have told me it is in the process of being closed and could take 90 day which is ridiculous as I have no access to any of my money. This seems to have started when my employer direct deposited funds into my bank account as usual.
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 XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer 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

Chase bank has flooded my credit with hard inquiries without my consent. It is hurting my credit reputation. I am asking that JPMC removes all these inquiries. 
Chase has been sending me all kinds of new car promotions and I dont want one. 

JPMCB AUTO FINANCE ( Bank ) XXXX XXXX XXXX  JPMCB CARD SERVICES ( Bank ) XX/XX/ JPMCB AUTO FINANCE ( Bank ) XXXX XXXX XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX XXXX JPMCB CARD SERVICES ( Bank XXXX  XX/XX/2022 Thank you,
Product: Credit card

We had not received any collection or payment reminders until {$60.00} in late fees were charged on {$2.00} worth of interest. I paid the entire balance off, apparently I was 1 day late on making that payment, and then 60 days later, Im finally called about being late on a payment.
Product: Payday loan, title loan, or personal loan

So on XX/XX/XXXX at about XXXX i received a loan for XXXX dollars. If i knew that the interest on it was XXXX dollars, making the amount owed more the XXXX dollars, i would have never done it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting Act this creditor has violated my rights under 15 USC 1681. Section 602 States I have the right to privacy. 15 USC 1681 section 604a section 2 It also states that a consumer Reporting agency Can not furnish an Account without my written instructions under 15 USCs 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

I am a victim of identity theft. I filed a police and identity theft report with the XXXX XXXX Police Department. The police report case number is : XXXX. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX XXXX Bank, XXXX XXXX, XXXX Account XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, U.S. Department of Education and XXXX XXXX XXXX.
Product: Student loan

The last payment posted by Mohela regarding my account was on XXXX in the amount of {$250.00}. I have made consecutive payments toward my student loans since the mentioned date, but no payments have been posted ; hence, not acknowledge as being received by Mohela. I get emails, calls, and letters reminding me that my account is past due! 
Consecutive payments were made as follows and received by Mohela a few days later : XXXX - {$250.00} XXXX. XXXX Cleared XXXX XXXX - {$680.00} XXXX. XXXX Cleared XXXX XXXX - {$250.00} XXXX. XXXX Cleared XXXX XXXX - {$250.00} XXXX. XXXX Cleared XXXX XXXX - {$480.00} XXXX. XXXX Cleared XXXX XXXX - {$630.00} XXXX. XXXX Cleared XXXX XXXX - {$310.00} XXXX. XXXX Cleared XXXX XXXX - {$310.00} XXXX. XXXX Cleared projected date XXXX. 

Mohela stated that there was a system update and assured me that my account would be updated, but it did not happen to this day. When payments are received from customers they should be posted on the day they were received ( per XXXX XXXX ) ; hence, legit accounting practices. I would have understood if the posting had been delayed for 30 days due to system updates, but five months is even for a governmental/federal entity too long! Please do not allow them to ruin credit standings, and integrity on the scheme of earning interest in their own ( Mohela 's ) bank accounts on payments received by student loan payees. Your help is appreciated and needed before credit scores are ruined by so many in the same situation as I. Very Respectfully, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a serious concern regarding the handling of my private information. As outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), it is crucial for consumer reporting agencies to handle information with fairness, impartiality, and respect for privacy. XXXX and XXXX are both responsible for ensuring that my private data is managed correctly and securely. 

According to 15 USC 6801, financial institutions have a duty to protect the privacy and confidentiality of their customers information. Since you act as financial institutions in this context, you are required to uphold this standard. Additionally, 15 USC 1681 requires that any consumer report can only be provided based on my explicit written instructions. I have not given my consentneither verbal nor writtenfor any of my information to be shared with third parties.

Further, under 15 USC 6802 ( b ) ( c ), you must inform me of how I can exercise my right to prevent the disclosure of my nonpublic personal information. However, I have not been given this explanation, which is a clear violation of the law. 

Moreover, 15 USC 1681c ( a ) ( 5 ) prohibits the reporting of adverse information that is more than seven years old. Yet, my report includes such outdated information without my authorization. This is unlawful. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that information must not be reported if it is known or should be known to be inaccurate. I am concerned that XXXX and XXXX are not maintaining the necessary procedures to comply with this requirement, as specified under 15 U.S. Code 1681e. 

According to 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. Therefore, I am formally opting out of your reporting services effective immediately. 

Please confirm the receipt of this notice and take prompt action to correct these issues. 

Thank you for your attention to this matter. 

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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. there is some inaccurate information reporting. 
DPT ED/XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
DPT ED/XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.

12. The following status is incorrect and incomplete XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

XXXXfraud hacking into account. Overdraft fees for subscriptions I never gave permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncb is showing up on XXXX XXXX from a transaction Ive never initiated or had any knowledge of. The Hard inquiry date was XX/XX/2019. I need help getting this removed from my credit report please. XXXX XXXX says to contact the company and I cant find the information online.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.In a pass complaint your company had removed this account, but in a violation of the FCRA You have re-posted without a written notification prior to re-posting this account .Please remove this account permanently from my experian file to avoid further litigation. 


I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information Personal Statement Accounts Affected by the Crime Fraudulent Information on Credit Reports FTC Report Number : XXXX First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX, Georgia XXXX USA
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information, this is a joint account with my spouse and his was removed from his report and mine is still showing.
Product: Credit reporting or other personal consumer reports

Reporting inaccurate addresses that are not valid nor have resided. Would like the following addresses removed from credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX