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

On XX/XX/2021, I sent in letters regarding inaccurate reporting of misleading items and information on my credit report. I'm feel like I'm being ignored of my disputes. It's been 90 days since my first dispute. These are deceptive practices by the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX is misreporting the credit history for three accounts : XXXX. The account reported on time payment on XX/XX/XXXXand the next month it is 90 days late. In XX/XX/XXXX it is reporting on time and the next month it is 90 days, then 120 and lastly 150 days. 

In accordance with the fair credit reporting act XXXX Account XX/XX/XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/2024 and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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 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. I also asked for the original contract to be provided and it was not.
Product: Credit card or prepaid card

As a follow up to dispute case XXXX, I called and spoke to a supervisor named XXXX. XXXX understood my issue and assured me the matter would be resolved with 24-48 hours. As of XX/XX/11 the amount is still not credited nor has American Express removed the erroneous XX/XX/XXXX {$650.00} charge. I have attached XXXX response to me in writing regarding the credit to my account had been processed and would show within days.
Product: Debt collection

I learned that my information was sent to a collection agency from COMENITYCB/XXXX while I was out on military leave. 
I have been trying to get a hold of " XXXX XXXX XXXX  '' to request them to send me verifiable information to prove that this account belongs to me. I have called ComenityCB/XXXX  and they told me that the account was sent to two different agencies : " XXXX XXXX '' & " XXXX XXXX '' they have different phone numbers. These two collection companies are constantly harassing my family members and friends. I need to have these collection companies to answer my request as soon as possible
Product: Payday loan, title loan, or personal loan

My vehicle was unlawfully repossessed ; I made a {$1300.00} payment and the company representative said I paid the wrong loan. I attempted to pay through accessing the account on my bank application, but the computer application would not allow me to change the amount. I called and spoke with a representative to make a payment of {$800.00}, but they said the minimum they could accept was {$1300.00}. They allowed me to make a payment arrangement which the letter included shows ; I paid more than {$800.00} and they still took my vehicle. The vehicle had heated seats which assist with my mobility ; I am a XXXX XXXX veteran with XXXX XXXX, and a number or other limiting conditions to my XXXX XXXX. I have banked with USAA for over 18 years, but they attempted to get me to pay off a collection agency after they took my vehicle. The XX/XX/XXXX letter they sent me said I owed money and when I called they attempted to transfer me to XXXX an outside collection agency. I didn't default on the terms for the modified loan which says you can lose the vehicle after 8 weeks of non-payment. I had been it communication with them, and even paid including late fees. It is reported on my credit the modified loan was 6 weeks late, not 8 weeks. They did not send me any notice before hand of their concern to take the vehicle. 

I need to find employment, and they need to remove XXXX and all other collection agency reporting from my credit reports with all bureaus. I would also like money returned to me to assist me with purchasing a replacement vehicle. They are causing hardship because the negative reporting is making my insurance costs higher, negatively affecting my credit, and employability.
Product: Credit reporting or other personal consumer reports

Subject : Request for Loan Discharge Due to Data Breach and FERPA Violation Dear Sir/Madam, I am writing to formally request the discharge of my federal student loans due to a significant data breach involving my confidential student aid information. On Friday, XX/XX/XXXX, my personal and financial data was compromised when XXXX, a XXXX vendor contracted by the Department of Education , accessed my sensitive information without my consent. This unauthorized access constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ), which safeguards the privacy of student education records. 
The breach has exposed me to potential identity theft, financial fraud, and other serious risks. As a result, I no longer have confidence in the security of my data or the integrity of the loan servicing process. This breach has caused significant emotional distress and financial uncertainty, and I believe it is only fair that my federal student loans be discharged as a result of this negligence.

In addition to the FERPA violation, this incident raises concerns under other federal privacy and data protection laws, including the Privacy Act of 1974, which mandates that federal agencies protect individuals ' personal information. The Department of Education 's failure to safeguard my data has directly impacted my ability to trust the system and has caused irreparable harm. 
I kindly request that you provide me with detailed information regarding the steps being taken to address this breach and protect affected borrowers. Furthermore, I urge you to discharge my federal student loans in light of this egregious violation of my privacy rights and the potential long-term consequences of this data breach. 
Please confirm receipt of this letter and provide a timeline for resolving this matter. I am prepared to provide any additional documentation or information required to support my request. 
Thank you for your prompt attention to this serious issue. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX  # XXXX ..., # XXXX ...., XXXX XXXXXXXX # XXXX ..., XXXX XXXX XXXX XXXX XXXX... ), has violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that 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 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. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior complaint # XXXX My previous complaint resulted in XXXX XXXX XXXX replying that they will notify the credit bureaus to delete these items from report but it could take 60 days for them to update their records.
Product: Debt collection

On XX/XX/2021 the landlord and I XXXX XXXX XXXX XXXX XXXX XXXX went before a judge for the amount of XXXX the case was DISMISSED being that I paid the amount due it was never XXXX not sure how or where that came from can provide proof and moved out over a year ago my new lease is currently ending as its been a year. Southwest recovery services never reached out to me about this said debt as its inaccurate and a judge already ruled the case number is XXXX and you can investigate this by visit my justice peace court and entering mine or the plaintiffs information as this info doesnt go away for several years I do not own this or anything major it need to be removed and Ill be pressing criminal charges as well
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} ; XXXX XXXX  Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

XXXX put XXXX amounts due into an 18 month Promo purchase plan and after I make an online payment I need to call them to disperse money to the promo plans, XXXX in escalation and XXXX wasted my time by not moving the money to to program and they hung up on me 2x
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Investigation Complaint Request for Verification To Whom It May Concern, I recently reviewed a copy of my credit report and noticed several inaccuracies regarding the following account, which is negatively impacting my ability to obtain credit. I am requesting an investigation to ensure the accuracy of the reported information. 

Account in Question : XXXX XXXX Account Number : XXXX I am formally requesting verification of the accuracy of this account. Please provide documentation verifying the following details : 1. What is the date of the first delinquency on this account? 


2. What is the date of the last payment recorded on this account? 


3. What is the date this account was charged off? 


4. What method was used to verify the accuracy of this account? 


5. Who is reporting this account, and what supporting documents were used to validate the information? 



If you are unable to verify these details with proper documentation, I request that this account be removed from my credit report immediately, in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please respond in writing with the results of your investigation within the legally allotted timeframe. I appreciate your prompt attention to this matter. 

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

Reporting a balance on multiple charge off/ closed accounts which is a violation of 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 )
Product: Credit card or prepaid card

In XXXX, I applied for the AMEX Platinum card using a referral link provided by a friend. When I applied for it, Amex application page link shows that I could get XXXX points+ {$200.00} for my welcome offer if I spend XXXX in first 6 months. In 3 months, I paid for the card annual fee ( over {$600.00} ) almost spent XXXX and checked with the customer service about the welcome offer. They told me that the welcome offer is not approved and therefore I would get nothing. I am very sad because I I was not notified of this decision at any point since opening the account ( the application page shows that I could get the welcome offer ). Had I been informed earlier about the status of the welcome offer, I would have reconsidered opening the card.
Product: Vehicle loan or lease

My vehicle was totaled onXX/XX/2019. My vehicle was financed through credit Acceptance but was paid off by the other person insurance company in XX/XX/2019 in the amount of XXXX dollars which left me a balance of XXXX dollars. They closed and sent the balance to collections. XXXXXX/XX/2019 the company which is Credit Acceptance Corporation took XXXX from my account. I did not authorize this transaction nor have I spoke with the company.
Product: Checking or savings account

Wells Fargo advertised, with zero liability protection, I won't be held responsible for any reported card transactions. However, when I filed reports about unauthorized transactions, they wouldn't reimburse me for it.
Product: Vehicle loan or lease

On  XXXX   XXXX ,   XXXX  , I tried to add a " co-lessee '' named  XXXX   XXXX  to my loan and the  Mercedez-Benz Financial Services  denied such an opportunity. I was told that my co-lessee does not have a long enough credit history to obtain such loan. I think this is a non-sense. The bank should be very interested in adding a co-leaser because a co-lessee means is a secondary person. If  XXXX  forbid I default my co-lessee would be a secondary person who Bank could recover money from. With that being said, I will  ask Consumer Protection Agency t o intervene and ask why there are such discriminatory practices against a " co-lessee '' because the Bank has nothing to lose. I want the Bank to add co-lessee, or I will have no choice, but I will return the car back to dealer and I will dispute the charges assessed through the New  York City Civil c ourt.   Additionally, my potential co-lessee is a sucessful business, who had businesses in  XXXX  and  XXXX .It 's a shame tha t Maercedes-Benz denies h im to be a co-lessee.
Product: Debt collection

I am filing this complaint against RESURGENT CAPITAL SERVICES who is affiliated with LVNV FUNDING LLC for violations of the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. 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

Equifax is in violation the Fair Credit Reporting Act ( FCRA ) by knowingly reporting a collection on my credit report that is not mine. I submitted paperwork showing the collection by XXXX XXXX XXXX XXXX is incorrect and does not belong to me. In addition, XXXX XXXX XXXX notified Equifax on XX/XX/year> of the fact they had a " mix-up '' and the collection doesnt belong to me. Equifax is still erroneously reporting the collection despite evidence to the contrary in violation of federal law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX,XX/XX/XXXXXXXX
Product: Credit card or prepaid card

More than one company was talking out of my debit Directexpress government card and they went and found that different companies were talking over XXXX dollars and Direct Express decided I didnt deserve to get my money back and they wouldnt let me appeal it
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from Wells Fargo Bank, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that Wells Fargo Bank is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit card

I originally signed up for the credit card on XXXX XXXX website to receive free bags. On the site I saw no indication of an annual fee. I specifically avoid cards with anual fees. 

I used the card once and it was paid off, after that I haven't recieved statements in the mail for a {$0.00} balance card. It was my assumption that the card continued to be XXXX balance otherwise I would have received a statement. Citi started to call me and let me know that I owed them the annual fee, the late fee, and interest. I asked if it could be refunded and I was told I needed to be transferred. 

Citi transferred me to a phone line that was telling me that I won a promo and was eligible for a free medical alert device. I initially thought this was Citi and began speaking with XXXX who was telling me about the free medical alert device. During our conversation I realized it was a scam and hung up and called Citi back. 

Citi acknowledged I was on the line and that they did transfer me. The second time they tried to transfer me I was sent to an actual City agent and not a scam. They told me that the timeline is outside of when they can get rid of the annual fee. 

I believe that Citi intentionally waits to provide notice to their customers of an overdue balance for the late fee until they are outside of their policy refund section. Furthermore I believe that City is intentionally making it hard to identify that there is an annual fee. The supervisor I spoke to went so far as to state that nobody reads terms and disclosures acknowledging that if they are there that they are intended to be in a place they are missed. 

The annual fee is {$99.00}, I believe the late fee was already refunded, but I do not have the interest. They claim it was sent, but I did not receive any statements. They stated they do not have any tracking or any proof it was sent besides the system saying it was sent. I do not believe the statement was sent, maybe it fell on the floor in the mail room or something. 

I do not have any documents because I have not received anything. Citi should have the recordings and the transfer log where they transferred me to what seemed like an identity theft hotline. 

I am diligent when signing up for a new credit card to avoid annual fees. If it was easy to spot I wouldn't have signed up for this card, I am also disgusted that Citi would transfer a customer to a line that reeks of being a scam. If this happened to someone over the age of XXXX they likely would have had their identity stolen, because I called Citi I trusted that I was still talking to Citi.
Product: Credit reporting or other personal consumer reports

TransUnion Credit Reporting Account Information XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Responsibility Authorized Account I am not the primary account holder, nor am I legally responsible for the payments or any outstanding balance on this account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX 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 me 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 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 XXXX XXXX XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

I sent money through the Remitly app. And it was the wrong person. I called Remitly and filed a complaint. Remitlys customer service stated there was nothing they could do since the money had been deposited to the wrong persons account. I feel discouraged with Remitly since it seems they are not trying to do anything to help me out.
Product: Consumer Loan

My auto finance company ( Westlake ) hired a third party company to come, and reposes my vehicle on XXXX XXXX, 2015. XXXX XXXX, 2015 I paid a total of {$1500.00} in back payments and towing fess plus a XXXX months in advance for the upcoming months. When I went to retrieved my vehicle it had physical and mechanical damaged to it, and was not drivable I then contacted the finance company in regards to my issue. They were very unsupportive of my concerns. In response to the poor customer service I stated to the representative that I was surrender all rights to the vehicle due to a breach in contract, and I would like to be refunded for all towing fee 's alone with the two months in advance of payments. Plus the remainder of the loan debt to be cleared of my name, because the vehicle was no longer of service to me due their negligent. The representative rudely denied my request, and stated to me that I need to contact the towing company which they did n't even provide me with the towing company information. which brought me to you all for some legal advice or help with this matter thanks in advance for time and service.