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

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE.

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT.

THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : PERTAINING TO NON-MAILABLE ADDRESSESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : PERTAINING TO NON EMPLOYER IDENTIFIERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ACCOUNT ( XXXX ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : PERTAINING TO NON NAMES REPORTED IDENTIFIERS : XXXX XXXX XXXX XXXX XXXX PER THE FCRA , AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805.

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Vehicle loan or lease

On XX/XX/2020, Ally Bank offered to defer payments due to COVID-19 but in order to process this request I needed to pay the {$90.00} late fee. I paid the fee and was approved for the deferment. Despite my payments being deferred I still continued to pay something and when I logged in to schedule a payment, I noticed the {$90.00} late fee was reapplied on XX/XX/XXXX. I called and spoke to a representative. The first representative gave me wrong information so I spoke to someone else who informed me that the payment was applied as a regular principal payment instead of being applied to the late fee. When I explained that the late fee disappeared when I paid in XXXX, he agreed that he saw that and would have it corrected and to wait 4 to 5 business days. I checked my account after that time and the outstanding late fee was gone again. On XX/XX/XXXX I logged in to confirm my payment was processed on XX/XX/XXXX and I noticed that Ally once again added the late fee back to my account. I called on XX/XX/XXXX and spoke to a representative and she agreed that she saw that I paid the late fee in XXXX and that the system again applied it to the principal instead of the late fee. I explained that when I called on XX/XX/XXXX I was told the same thing and that it was taken care of. This time the representative said to wait 2 to 3 business days and I would that the issue was resolved. I logged into my account 4 days and it still reflects the late fee. So on XX/XX/XXXX, I tried to access my account via the mobile and website but it was down. I called the customer service line to listen to the outstanding balance and the late fee was not removed. On XX/XX/XXXX, when I called in XXXX for the representatives to mail or Email me confirmation of this resolution and I was told they can't do that. On XX/XX/XXXX, I called back and finally spoke to a representative, who assured me that she would take of this and she would also send me a payment history showing the late fee was paid and she would have a manager call back. But to date no one has called me and the late fee is still on my account. I checked again on XX/XX/XXXX and fee is still remaining and no call back. I called multiple times on XX/XX/XXXX and spoke to managers who said they were escalating the case, they placed me on hold and never came back to the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report show in accuracies of late payment from XXXX loan servicing from XXXX XX/XX/19 I have never been late I have reached out to dispute these items.
Product: Mortgage

On XX/XX/2016, our home was flooded after a pipe froze. We filed a claim with our insurance company. They in turn released checks in my name and in the mortgage company 's name, NationStar. I contracted with XXXX separate contractors to conduct the repairs. NationStar deposited the check and, after sitting on the money for XXXX months to presumably earn interest on it, released a portion of the money to XXXX # XXXX. XXXX # XXXX conducted their work and submitted a bill on XX/XX/2016 for {$18000.00}. The mortgage company is refusing to pay XXXX # XXXX because XXXX # XXXX has not completed their work. Late fees and interest will begin accruing on XX/XX/2016, and yet the mortgage company is still refusing to release any money to XXXX # XXXX, whom has finished his work. I have spent dozens of hours on the phone with NationStar speaking to several representatives as well as a " XXXX '' without success.
Product: Mortgage

I have tried repeatedly to contact the new " servicer '' for my loan. Long wait times in excess of an hour, then the system just hangs up. Asked for callbacks, they never call. Sent numerous emails, no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports shows the information which does not belong to me. 

Earlier, The same issue happened to me in 2019. I created dispute and corrected everything. 

Now same issue happened to me recently. And someone unknown informations, inquiries and collection accounts are observed in my credit report Equifax and XXXX  are saying that information might be mismatched with someone else with similar name.. 

I have suffered a lot. I got denied for the government licence ( XXXX  ). I have been in process for correcting everything for more than a month. I got tired of making calls. This is wasting my time without even my fault. 

If Equifax and XXXX will not record my information correctly, how many times I have to create dispute in the future.
Product: Student loan

I was approved for the XXXX and my loans were forgiven effective XX/XX/XXXX. I and MORE than grateful but we were told we would be given refunds for payments made over the required XXXX. I made XXXX. They said I didn't qualify for a refund because I consolidated in XX/XX/XXXX and didn't make any payments after XX/XX/XXXX but that wasn't when my XXXX payment was made. They're using the consolidation dates. I unfortunately defaulted on my loans and ended up paying a ton of money towards my student loans to where I couldn't even afford to live on my own because I had XXXX XXXX XXXX I had to move back home with my parents so I could afford to pay my student loans because they were Being taken out of my paycheck. And most of that went towards interest. I don't see how I don't get anything back after making that many payments. Is there anyway you can have them look through my history to see if they've missed any dates?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of XXXX XXXX credit report from and found the following item to be in error : To wit on XXXX XX/XX/XXXX, I went to XXXX XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX, Illinois and purchased a brand new XXXX  XXXX XXXX. On that said date, I gave written authorization to the on-premise XXXX XXXX XXXX  to process a hard inquiry to secure an auto loan which I was approved for in the amount {$34000.00}. 

After recently reviewing my credit report I have discovered a 2nd credit inquiry request by XXXX XXXX XXXX which may have been done in error. I only authorized XXXX XXXX XXXX which was located on the XXXX XXXX XXXX premises to procure the hard credit inquiry for the purpose of securing an auto loan. Please remove the 2nd hard inquiry attributed to XXXX XXXX XXXX on that same day ( XXXX XX/XX/XXXX ) from my permanent credit files, as it was done in error and/or without my written authorization.
Product: Credit reporting or other personal consumer reports

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed a partial dispute of {$160.00} overcharge of NC state tax by XXXX  on XX/XX/XXXX for a vacation purchase made on XX/XX/XXXX for {$2200.00}. It was found in my favor on XX/XX/XXXX and closed by Capital One visa. XXXX cancelled the entire reservation on XX/XX/XXXX and promised a refund in 5 days. No refund in 2 months from XXXX. I called Capital One visa and tried to dispute the {$2200.00} the owed me and XXXX did not provide. Cap 1 told me I could not change the amount or refile a dispute on the same transaction. I am still looking for my refund from XXXX.
Product: Checking or savings account

I had an account CD ) with Comenity Bank for {$20000.00}. It was to mature on XXXX. I went to web site to try and check my account and discovered that it was all about credit cards and my username and password would not work. I called XXXX and was told to try again later. My account # is XXXX Routing # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX my car was repossed by Ally Finance, I wanted my car back so on Monday XX/XX/XXXX I called redemption department to find out what I needed to do. I was behind 2 months and late charges. They told me how much I needed to pay to get it back, that was {$1800.00}. I did what I needed to do, borrowed the money paid by XXXX XXXX on XX/XX/XXXX. They received the money and everything was released on XX/XX/XXXX. I asked about making the XX/XX/XXXX payment, which was due on XX/XX/XXXX. The gentleman told me to send it by XX/XX/XXXX and send with XXXX XXXX or XXXX XXXX so they would get it on time. I sent {$350.00} by XXXX on XX/XX/XXXX for same day delivery. The following week I started to get rude phone calls about not paying the XX/XX/XXXX payment. I explained I had paid and gave them the reference number from XXXX but they could not find it. I called the redemption department again, asked about the XX/XX/XXXX payment was told yes they received but could not understand why it had n't been posted, this was XX/XX/XXXX. I now have a late charge of {$17.00}. 
Spoke with XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX in redemption, both found payment and sent to escalation to be posted. Still getting phone calls and being told I did not make the payment plus a late fee. They even asked if I wanted to make a payment arraingement. Ally told me I should have paid on online or called the payment in but they had shut down my online account and at the time the {$1800.00} had n't posted. It posted on XX/XX/XXXX. I then started calling XXXX, XX/XX/XXXX, to check on transfer. XXXX saw where Ally received the payment, could not understand what they did with it. Was transferred to the problem dept where they checked for correct account number, my name, where it went, and the receiving code, everything was correct. XXXX with XXXX, was going to contact Ally about why they did not post to my account and to call back in about 5 days. XX/XX/XXXX, called XXXX was told retransferred the money to Ally and saw they received it again. Called Ally, spoke to XXXX, still cant see it, then was told the reference number she had was an incorrect number and that the XXXX agent gave me wrong number. The number was computer printed with all my info listed and XXXX can find it, so did Ally redemption dept. I called XXXX again, spoke with XXXX who checked all my info again and said that it was all correct. He was going to email Ally again to get this cleared up. 
On XX/XX/XXXX I made XX/XX/XXXX payment but it was applied to XX/XX/XXXX so I am still behind and now have another late payment. 
At this time I have 2 late fees of {$17.00} and still 1 month behind.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX bankruptcy in accordance with the Fair Credit Reporting act 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 XXXX XXXX bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex wife and I purchased a car through a local dealer and was financed through XXXX XXXX XXXX XXXX XXXX. The car was in default and charged off. Upon the finalization of our divorce I attempted to provide the court order to XXXX which stated that my ex wife was solely responsible for the loan and XXXX refuses to accept the document and also to remove the loan from my credit report instead choosing to transfer me between two or three different departments in a round robin. Please help
Product: Credit reporting or other personal consumer reports

Please remove all phone numbers on my credit report. 
Please remove all of the other addresses off of my credit report. All of the other addresses reporting onto my credit report are not accurate and are not my current residency. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 


The following addresses below are inaccurate : 1XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I submitted credit dispute letter number two to Transunion Consumer Contact Department. The letter informed Transunion that I had recently submitted two debt validations letters to both XXXX   XXXX and XXXX XXXX XXXX. However, both agencies were unable to validate the debt as being mine. XXXX XXXX sent me multiple statements ; however, they failed to submitted the requested documents needed to validate the debt. I submitted documents to Transunion supporting the companies responses ; however, Transunion stated that when they disputed the credit on their end, it came back validated. I questioned Transunion as to how they were able to validate the debt and they stated the companies responded to a computer generated question, stating that the debt was validate. I then questioned Transunion as if they received supporting documents as requested in the letters that I had previously sent them and the representative responded, " no '' they had not. Transunion and the collection agencies ( XXXX XXXX and XXXX XXXX XXXX ) failed to validate that the debts is mines despite my numerous attempt. But yet, Transunion failed to remove the accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 1 late payment on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with XXXX XXXX. I have never been late on payments on the account : XXXX XXXX XXXX XXXX XXXX XXXX Please reinvestigate and provide evidence with statements showing that this payment was made late. If no evidence can be provided, I demand that this payment be brought up to date on time, as it should be, as I have NEVER been late. Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Items in the report violation section 611 of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to SYNCB/AMAZON for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Debt collection

Reporting Violates Section 1692g ( b ) of Fair Debt Collection Practices Act ( FDCPA ) of XXXX : I first received an email from XXXX XXXX of Kingston Data on XX/XX/XXXX requesting me to give them a call. I replied email same day asking the reason, and that I did not know who they were. 

On XX/XX/XXXX I received another email from XXXX XXXX of Kingston Data demanding payment of {$270.00} debt they claim I owe to XXXX. I replied same day disputing debt and requested verification of debt. XXXX XXXX replied same day stating " I have noted your file that you are disputing your balance placed here. I will place your account on hold while I investigate with my client. I will reach out to you as soon as I have a response ''. 

On XX/XX/XXXX I received alert that Kingston Data reported the collection activity to XXXX. I submitted the first dispute with XXXX same day, XX/XX/XXXX. Kingston Data did not provide me with the requested verification before reporting to XXXX. This is a direct violation of Section 1692g ( b ) of Fair Debt Collection Practices Act ( FDCPA ) of XXXX. The law states that once consumer disputes the debt, all collection and reporting activity must cease until consumer is provided the requested verification. On XX/XX/XXXX I received a letter from Kingston Data dated XX/XX/XXXX but post-marked XX/XX/XXXX ( letter and envelop attached ). The letter containing inflated invoices from XXXX arrived long after Kingston Data had violated my rights under the law. I intend to dispute the bill, however this XXXX entry in my credit file must be deleted as it violates the law. 

The Fair Debt Collection Practices Act ( FDCPA ) of XXXX Section 1692g ( b ) states : " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ''.