23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX had {$70000.00} of student loans and XXXX XXXX co-signed for them as well. XXXX XXXX nor her father XXXX XXXX could afford the payments and XXXX XXXX XXXX XXXX XXXX sued us thru PATENAUDE & FELIX Law Firm and this took about 1 1/2 years of court hearings which XXXX XXXX handled all of the court motions and documents and hearings as we could not afford an attorney. 
We settled on XXXX XXXX, XXXX ( court doc. 's enclosed ). The letter explains the intentional HARASSMENT and BAD FAITH, Malice, Etymology, etc. of XXXX XXXX, XXXX by XXXX XXXX, and the Law firms letters, this was not the first phone call but when the additional letters and phone calls came XXXX XXXX became very nerves and emotionally upset as she explained to the Law office that they were wrong and she was en-fact making her payments on time for over 18 months, etc., but they started with letters and additional phone calls of harassment. I am know I am not the only one with this type of story about this Law Firm. 
PLEAS STOP this company from doing this over and over again
Product: Mortgage

In the year 2009 my business income volume decreased almost 75 % I was diagnosed with a XXXX due to all the financial dificulties, at the same time my husband fell ill and had to go under XXXX XXXX and we had to live on credit cards to be able to make ends meet. My credit got overextended and we where not able to afford the terms on the credit cards and also it caused to default on the mortgage monthly payment. We requested a short sale and placed our property on the market for almost 6 months and have shown the property numerous times with no luck. 
I requested a loan modification with the now owner of the loan which is Select Portfolio Servicing , Inc being that now my situation is a whole lot better financially and health-wise and the Bank wont even consider giving me the opportunity to keep my home. I received a letter saying that it was not under the best interest of the investor to give us the opportunity to keep our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit by XXXX XXXX  because it said I was deceased. I called the number XXXX listed on letter it was for a XXXX account. I called Equifax and they said I was listed as deceased and asked me for SS number and what credit cards I had balances ext. they said SS office reported me as dead. So I called SS they said they do not have me down as deceased and I am still receiving SS XXXX check. I am worried I gave info to a scammer and also need to fix report that I am deceased. You
Product: Credit reporting or other personal consumer reports

XXXX XXXX  contacted experian, XXXX, and XXXX to delete an account. XXXX, and XXXX deleated immediately. I have repeatedly contacted experian and provided them with the letter from XXXX stating to delete from my report. Experian refuses to help on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Ive disputed this midland credit management account numerous times on my credit report. Ive even sent a letter to XXXX and XXXX  explaining my concerns and errors in reporting. Ive requested a full investigation and copy of information for debt validation which I have yet to be provided with. XXXX deleted the account assuming investigation was complete and they could not provide the details I requested. The amount this creditor originally had on my account was {$2200.00} and now around {$2200.00} is being reported I have no knowledge or verification of this account or amount being owed I have never made any sort of payment to this account it is also being reported as open which is not accurate or possible. I also received a letter in mail threatening legal action if payment arrangement was not set up. To my knowledge that goes against FCRA as well as the account is past the statue of limitations in my state so that would be a false threat as well. I also believe it is past the 30 days since I sent in request for investigation.
Product: Credit reporting or other personal consumer reports

I am writing to explain the circumstances surrounding the delinquency on my XXXXXXXX XXXX XXXX  account. This issue arose due to unauthorized charges made on my account, which I promptly identified and disputed. Despite following the proper procedures to report these fraudulent transactions, my disputes were neither adequately addressed nor investigated by XXXXXXXX XXXX XXXX and XXXX XXXX. 

It is particularly concerning given the recent findings by the Consumer Financial Protection Bureau ( CFPB ), which ordered XXXX and XXXX XXXX to pay over {$89.00} XXXX for failures related to their handling of XXXX XXXX accounts, including issues with dispute resolution. These systemic failures directly reflect the lack of action taken in my case and have contributed to the negative impact on my account status. 

I request that this delinquency be reconsidered in light of these factors, as it is a result of circumstances beyond my control and mishandling on the part of the card issuer. 

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

15 U.S.C. 1681 Section 604A 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

I had a credit card account with my credit union XXXX XXXX XXXX XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - Cardmember Services ) .XXXX XXXX XXXX XXXX is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with XXXX XXXX XXXX. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX Equifax XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. 

XXXX XXXX agreed to remove the trade line from all XXXX of my major credit reports after my CFPB complaint XX/XX/XXXX. They contacted XXXX, Equifax , XXXX XX/XX/XXXX to have this removed. XXXX removed the tradeline per XXXX XXXX XXXXXXXX request but Equifax did not do so. I requested a new investigation and provided the letter from XXXX XXXX stating their intention to have the trade line deleted. Equifax did not remove or update anything based on that investigation and they are still reporting this negative account. I have requested this be corrected numerous times via direct disputes with Equifax and filed a previous complaint which provided no action.
Product: Debt collection

I recently contacted Enhanced Recovery Company about a debt I noticed on my credit report. I was never notified of this debt nor given the right to dispute or have the debt verified in writing. The address ERC provided to me was one I do not live at. I requested they restart their recovery efforts by allowing me first a chance to pay the amount due without reporting to a credit bureau. I paid the amount in full and still see the issue on my credit as unpaid. I would like Enhanced Recovery Company to immediately remove this trade line from my credit report with any and all bureaus they have reported to. I feel this is warranted as I was never afforded the opportunity to handle this issue properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} ; XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  Inquired on XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Transunion received my request to update my credit report in compliance with what was shared via a letter. I specifically sent a letter with the accounts that were being unwillingly furnished with incorrect information. Transunion is furnishing high balances which is hurting my utilization they are furnishing my information against my will which is an invasion of my privacy. There was nothing to investigate because they are not in compliance of 15 USC 1681 a ( d ) ( 2 ) ( A ) ( I ) which states bureaus can not furnish transactions and experience aka recent and high balances. Transunion has violated that right of mine as a consumer. This is an invasion of my privacy if my limit is {$500.00} and its over they should not report that it is against the law to report the highest amount on an account and furnish it
Product: Credit reporting or other personal consumer reports

Today is XX/XX/XXXX. I'm following up about my credit report. 
On XX/XX/XXXX I was checking my credit report. I noticed unrecognized collections on my credit report from ; XXXX ) I.C SYSTEM, INC XXXX, XXXX ) XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX, and XXXX ) XXXX XXXX XXXX XXXX XXXX ) I.C. SYSTEM, INC XXXX about a High Credit balance of XXXX. I have no business with I.C. System, Inc. My original creditor is : XXXX XXXX XXXX I never gave permission for my information to be improperly shared. I want this account removed off my credit report XXXX ) XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX. My original creditor is : XXXX I never gave permission for my information to be improperly shared. I want this account removed off my credit report XXXX ) XXXX XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX XXXX. My original creditor is : XXXX. I never gave permission for my information to be improperly shared. I want this account removed off my credit report. 

XXXX ) XXXX XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX. My original creditor is : XXXXXXXX XXXX XXXXXXXX never gave permission for my information to be improperly shared. I want this account removed off my credit report. 

The list of accounts above are unrecognized and, in violation of my consumer rights to privacy and confidentiality.In accordance to fair credit reporting 15 U.S.C 1681 Section 602 A I have the right to privacy and information submitted must be accurate. 15 U.S.C 1681 section 604 A section 2 : Consumer reporting agency can not furnish a account with my written instruction or permission.

15 USC states informaction reported must be accurate
Product: Credit reporting or other personal consumer reports

Disputes are being " verified as accurate, '' yet none of the furnishers or reporting companies guarantee 100 % accuracy in accordance with the FCRA. Thee furnishers and reporting companies do not guarantee any accuracy at all, and avoid liability for inaccurate information. Therefore, none of the information reported should be on the consumer report, or consumer file disclosure, or anything else. You can not " verify '' something under dispute and not accept liability for verifying whatever it is being verified. Especially when it is know that the information is unreliable as demonstrated by every furnisher 's and consumer reporting company 's Terms.
Product: Vehicle loan or lease

I applied directly with XXXX this a.m. of XXXX, XXXX, 2018 through their website and received a credit score of XXXX from XXXX  ( see attached ). I was denied due to a bogus claim of excessive account balances ( see attached ). I do not have excessive balances. The accounts I do have are low balances where most of these balances will be paid off next month. I do not know what is going on with auto financing, but I am well within the approval guidelines to be approved for an auto loan. I am, presently paying {$350.00} a month.This consumer has been unfairly assessed by this finance company.
Product: Payday loan, title loan, personal loan, or advance loan

One main financial Misinformation about life insurance on loan. Stated it had to be on the loan to get the loan.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXP 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment that has inaccurately been reported on my credit report. Upon reviewing my credit reports from XXXX and Equifax, I discovered an erroneous late payment listed in XX/XX/XXXX. The details of the late payment are as follows : Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Status : Open/Never late Last Updated : XX/XX/XXXX Current Balance : {$450.00} out of {$5000.00} Credit Limit As evidenced by the credit report from XXXX, my payment history with XXXX XXXX XXXX XXXX indicates `` Never Late. '' However, XXXX and Equifax report an inaccurate late payment for the same period. This discrepancy is concerning as it affects my credit standing negatively despite my consistent adherence to payment terms. 

Under the Fair Credit Reporting Act, 15 U.S. Code 1681a, a consumer report is defined as a communication of information by a consumer reporting agency that bears on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Importantly, 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ) specifically excludes from the definition of a consumer report any report that contains information solely about transactions or experiences between the consumer and the person making the report. Therefore, reporting information about payments, which are transactions, is prohibited if they are not accurate. 

I maintain that I have never missed a payment with XXXX XXXX XXXX XXXX, and my credit report from XXXX corroborates this fact. Enclosed with this letter are copies of relevant documents, including my Social Security card and driver 's license, to verify my information. 

Therefore, I request that XXXX and Equifax investigate this matter promptly and correct my credit reports to reflect the accurate payment history for my XXXX XXXX XXXX XXXX account. If proof can not be provided to substantiate the late payment, I demand that it be updated to reflect an accurate and timely payment history. 

Thank you for your immediate attention to this matter. I expect your prompt resolution of this dispute within the timeframe specified by law. 

Sincerely, XXXX XXXX XXXX XXXX Ensure to attach copies of relevant documents mentioned in the letter to support your dispute. This should help in resolving the discrepancy in your credit reports effectively.
Product: Debt collection

XXXX accident occurred on XXXX XXXX, XXXX in or near XXXX XXXX, California between a car owned by me and another car. I have received correspondence from Recovery Partners , LLC claiming unverified damages and stating that if damages are left unpaid, a drivers license suspension request against me will be sent to the California DMV as allowable by law. 

To resolve this claim I have sent three letters ( 2 of them are attached to this complaint. I was unable to attach my first letter to them dated XXXX XXXX, XXXX which was in response to their original collection letter of XXXX XXXX, XXXX ) requesting verification to justify damages due to the accident by providing dated, detailed receipts for medical and a copy of the traffic accident report. After three letters Recovery Partners has not provided me with any dated, detailed receipts from a doctor or hospital nor have they provided a traffic accident report. 

I notified Recovery Partners LLC that until they provided me with detailed receipts that justified the damages, all communication and efforts to collect this debt must cease per Federal law. Recovery Partners continued communication with me including stating they will request a drivers license suspension against me from the DMV as allowable by law.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 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.

With several letters being sent over the year to each credit reporting agency. With no action being taken to remove late payments that these companies were/are not authorized to report without my consent. All late payments should be removed immediately.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from ALLY FINANCIAL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called ALLY FINANCIAL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and ALLY FINANCIAL with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX of 2023. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. TransUnion must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$970.00} ; XXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

American Express account ending XXXX. 
On XX/XX/2021 I requested that this account be closed and the reward dollars transferred to my other Amex account ending in XXXX. 
Amex closed this account and forfeited the reward amount of {$540.00}. 
They said this was the terms of the contract and the rewards could not be transferred. 
On XXXX XXXXXXXX XXXX PST i spoke to AMEX agent XXXX  XXXX ID # XXXX and she said she would see that this problem would be resolved. 
I subsequently received a letter from AMEX stating that they could not do anything becuse of the contract language. 
I wrote letter to AMEX-Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 

I would like to receive the rewards balance in this account when it was closed. AMEX should have contacted me and let me know of the problem so that I could have used the reward dollars before the account was closed.