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

My credit profile shows I owe XXXX {$450.00}. I contacted their best collection agency Converegnts to request proof of this debt because I don't owe anything. I also told them I am a current customer of XXXX, as I have been for years. There is no way I should have been granted service without paying an alleged " prior debt '' in total. 

On XX/XX/2021, I sent Convergent a Certified letter requesting proof of this debt. I received a few bills that state I owe for a DVR box that I never had, a returned modem, and a fee for terminating the contract early. When I returned the modem, XXXX did not provide me with a receipt from the local XXXX store. 

The agent at my local XXXX  store in zipcode XXXX claimed it was too long ago, and they have no record of my account information in their system. I sent another detailed certified letter to Convergent  dated XX/XX/2021. The letter requested that they again provide me the information I asked of them in the certified letter dated XX/XX/2021. 

I also request they provide the alleged proof of Service Contract Agreement I Authorized, XXXX XXXX Contract Terms/ Date, Unreturned Modem Serial Number/ Make/ model, Proof Modem Was Not Returned, XXXX Serial Number/ Make/ Model, Date XXXX Provided DVR and method XXXX etcetera. 

Today they still refuse to respond with the requested information. Why? Because it doesn't exist. The printed bill invoice only stating I owe for a DVR, modem, and early contract termination isn't sufficient. Billed invoices are not enough proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being denied from a lender for " too many inquires '' from Transunion report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my   XXXX   credit report that I DID NOT authorize and had no knowledge of. I contacted  XXXX  immediately and was given no relief. I alsp have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.   1.   XXXX   XXXX    XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  2.   XXXX     XXXX / XXXX / XXXX  3.  XXXX   XXXX / XXXX / XXXX  4.  XXXX   XXXX   XXXX / XXXX / XXXX   5.   XXXX   XXXX / XXXX / XXXX   6.   XXXX   XXXX / XXXX / XXXX  /i am currently waiting for the other  XXXX  credit bureaus to respond to my request.
Product: Checking or savings account

We received statement from bank of America stating the they are not going to pay us back remaining {$8000.00} because we suppose to report the stolen money within 2 months.Reason delaying the report : We did not recognize the the stolen money until the first part of XXXX because we did not receive the bank statement in XXXX, Some one directed our mail to different address ( made a report to post office. believe they have a record ). 

We do not know the rules and regulations of banking but always understood savings account in the bank is safe and insured. 

Your help will be greatly appreciated. 

Many thanks. XXXX XXXX.
Product: Checking or savings account

Apparently someone try put money in account. They said didn't know where came from.Except money good and sent me a check. They said they closed my account. Yet didn't and didn't sent me my {$50.00} deposit. Told me try wells fago easy pay card. But wont me get cuz apparently this account open but it isn't. And apparently i got to wait 10 years open new one. When i did nothing wrong and apparently money was good.
Product: Credit reporting or other personal consumer reports

I did not authorize this creditor to report anything on my credit report. It is illegal to report late payment on a consumer credit report and this alledged creditor should be held liable. Please see : XXXX XXXX. 
XXXX & XXXX. Supreme Court I demand the repossession and all late payments be deleted from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union, XXXX, and XXXX are all reporting late payments from XXXX XXXX XXXX  on dates XX/XX/20, XXXX XXXX  on dates XXXX, and XXXX XXXX bank on dates XXXX. This is a clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The law clearly states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

Futhermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : the term " consumer report '' does not Include report containing information solely as to transactions or experiences between the consumer and the person making the report. These companies are clearly violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3000.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Product: Checking or savings account

Ally Investment purc hased  XXXX , an online investment company. I am unable to reach  Ally Investment  by phone regarding my account. I called the telephone number provided on the web-site (  XXXX   )  multiple times during the day, and was on hold for hours. I also called Ally Bank general telephone line (  XXXX   XXXX  ) and spoke to a supervisor, who informed me that he was unable to reach the investment team, using the direct telephone number via the bank telephone system.   In addition, I sent  Ally Investment  an e-mail (  XXXX  XXXX  XXXX  ), complaining that I am unable to reach their telephone customer service. They replied by instructing me to restart my browser. There is an urgent issue that can not be completed on line, and requires a telephone customer service assistant, but I am unable to reach this financial institution. This  may  cause me financial lose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, transunion and XXXX have a negative report on my credit report which is fraudulent to XXXX XXXX XXXX XXXX by XXXX XXXX for {$370.00} .... not my address and my XXXX XXXX XXXX XXXX is up to date at my home address,,, they used my social security number to open the account XXXX XXXX account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been calling the major credit bureaus XXXX XXXX, Equifax and XXXX to dispute fraudulent and unauthorized information in my credit report. 
The bureaus refused to remove that information several times, when I call them they always hang up on me and make very difficult the dispute process or dont respond to me letters with the requests. 
Attached my request in a pdf document. 
I am requesting help from CFPB so the credit bureaus can remove the fraudulent inquiries and fraudulent information from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 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 those account 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 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: Checking or savings account

Customers Bank, Member FDIC, the bank behind the XXXX XXXX product placed undue hardship on heirs to bank account holders, effectively precluding access to much needed funds as the time of death of the account holder. A well known standard practice among banking institutions in the United States is to permit account holders to designate a beneficiary of the account upon the passing of the account holder. Every human being dies. The death rate is 100 %. Yet Customers Bank allows no appointment of a beneficiary, effectively allowing the bank to keep funds for its own use during the potentially extensive probate process. When a person dies, there will be fees necessary to handle the final arrangements for the body as well as for immediate needs, such as the care of dependents. It is the stated policy " We would request copies of the death certificate, a copy of the Notice of Appointment of Executor/Executrix or the appropriate documents if there is no estate, and a copy of their unexpired government-issued ID to assist us in this endeavor. '' These create unnecessary delays that would not occur if Customers Bank permitted the designation of a beneficiary in advance of the death of the account holder. Customers Bank has a self-dealing incentive to hamper access to these funds given that upon the death of the account holder, the earned interest rate will drop from 4 % to 2.5 % because the account holder can not continue to perform 10 debit-card transactions per month necessary to earn the 4 % interest rate. This windfall to the bank, in the form of higher spread during the months necessary to obtain court appointment of an executor, is unconscionable misconduct by Customers Bank. 

When a beneficiary is appointed for a bank account - at any bank other than Customers Bank - the funds move immediately to the beneficiary who can use those funds to meet the needs of the estate or any dependents. When the funds are withheld, as Customers Bank intends, these funds benefit Customers Bank and not the heirs of the decedent.
Product: Debt collection

I purchased a vehicle through XXXX dealership. The sale price was {$5600.00}. I had {$3000.00} to put down on it but was told by the dealer to put {$2500.00} for better chances of getting approved. The dealer then told me my credit was frozen and asked for verification of my SS #. I provided the proper documentation. They then told me that they could only get my financed at a 22 % interest rate. I thought that was because I had filed bankruptcy. I went to sign the papers, they had the wrong SS #. They then said they would fix it. After 3 hours, they said they fixed it and told me sign here, sign here, and rushed me out the door. When it came time to make my first payment I discovered they were still using the wrong ss # and added my down payment into my balance. I contacted the bank and they informed me that they still did not have the right SS # and that the reason why my interest rate was 22 % was because they take bad credit and since my credit was " frozen '' they approved me. The dealer never submitted the correct info. I then had to submit documentation to the bank. I am currently taking civil action against them. Then I received a letter from the dealer stating my balance is {$2600.00} and wanted me to trade my vehicle in. Then I checked XXXX and noticed that the bank charged my account off at a balance of {$4600.00}. Sale price was XXXX - {$2500.00} down payment, but I owe {$4600.00}? This is hurting my credit tremendously! Please help me!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : Account with late payments wrongly reported, the dates are not accurate and they exaggerated the number of days. 

ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX 15 U.S.C, 1681section 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 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

I have a delinquent mortgage derogatory mark on my account. The account I had was with XXXX XXXX XXXX. It was then sent to Midland Credit Management ( XXXX  XXXX XXXX  ) with a balance of {$860.00} which paid in full before the requested date of XX/XX/XXXX. The original charge off date was XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Im looking at my credit report and i notice something with the report that does not appear to be correct. I would like for you to investigate this account for complete accuracy. I believe that this is damaging to my credit and csausing me to be denied for credit. here is the account that i would to have investigated for accuracy, Account- XXXX XXXX - Acct # XXXX
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian Lawsuit.

I feel i was negatively impacted by Experian hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''.

But i don't see any details about your investigation.

A fine will be applied soon if proper investigation isn't applied too.

Please provide details to investigation or delete accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Acct : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Greetings. Let me do the recap that this present complaint was for the follow up of my latest complaint of finding myself as a victim of the negligence of Credit Bureaus. I hereby reiterate my request for the deletion of remaining items from my credit file, which resulted from fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to expunge any such items no later than four business days following XX/XX/XXXX. This issue has been previously brought to your attention in an FTC report and complaint, and I am referencing it again with the new FTC Report # XXXX. Additionally, the details associated with these items are unfamiliar to me and have already been removed by other bureaus, which casts doubt on their accuracy. This complaint serves as a formal notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and is prepared to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity. EXPERIAN : XXXX XXXX XXXX XXXX, KY XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$6500.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX -- -- -- -- XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX  XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX {$6500.00} XXXX XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Reporting personal information to other companies without my consent, the law states 15 U.S.C. SECTION 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 REPORTYING AGENCY CAN FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS Credit defamation : If I have false, inaccurate or derogatory Entries in my reports A personal assest of mine can be damaged and will deserve compensation by law. The inaccurate reporting on my reports are causing damage to my creditability. Equifax is reporting late every month is a major concern and is causing damages, inaccurate info also between all three Bureaus
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equafix consistently responds within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs action may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.SC. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. Accounts= XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my rights under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) have been violated. These violations have resulted in inaccurate information being reported on my credit report, which has had a negative impact on my financial standing. I demand that you take immediate action to rectify this situation by deleting the affected accounts from my credit report. Furthermore, I expect to be compensated monetarily for the distress and inconvenience caused by these violations. It is imperative that you address this matter promptly and provide a satisfactory resolution. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : 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 federal protected consumer rights to privacy and confidentiality under ( 15 usc 1681 ) I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX. XXXX XXXX acc # XXXX XXXX  XXXX acc # XXXXXXXX XXXX XXXX  acc # XXXX 15 U.S.C 1681 ( A ) 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: Student loan

I was deliberately deceived and steered into using private loans with astronomically high interest rates. I was also steered away from consolidation plans and generally misinformed in order to keep me in an uphill battle against high interest rates on the loans. There are essentially no options made available to decrease my monthly payments or lower my interest rates. With a child on the way, I have no choice but to be subjected to these loans that are near impossible to pay back due to lack of flexibility and options.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 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, 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. I NEVER gave Equifax, OR the below listed creditors any written
instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find a letter and documents needed to correct the personal information on my consumer credit file. I have contacted them directly to correct this. 

XXXX : XXXX