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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : EQUIFAX XXXX XXXX date : XX/XX/XXXX, Account name : XXXX XXXX XXXX XXXX date : XX/XX/XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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 shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

Deferred Interest promotion with XXXX 's was not upfront about the way balance would be paid. Instead of the payments always going toward the first balance, they split the payments making it so the promotion would expire and you would acrue 28 % interest starting at the beginning of the loan. If you wanted to allocate a certain way then you would have to call them but verbiage makes it seem like you would only need to do that if you wanted to change the way it was being charged. We did not use the card for at least the first year so there was no reason the think that our budgeted payments would not be sufficient. Payments should be first in first paid unless requested otherwise, not " reallocate where we want unless you tell us otherwise ''. Statements are not intuitive and not transparent and XXXX 's employees were not clear. This is a shady practice that is meant to catch people off-guard instead of making the process comsumer friendly.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1692C ( The following collection accounts and inquiries were reported on my credit profile accounts under the following 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 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 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

US Department of education and the US Department of XXXX this information is on my credit reports XXXX and Experian. I did not authorize or give authorization for this to be on my credit reports. Ive been disputing these school loans but have not been successful in having them removed its been at least more than a year on my credit reports.
Product: Credit reporting or other personal consumer reports

Someone has opened checking accounts applied for and recived credit fraudulent
Product: Credit card or prepaid card

I paid off 4 retail credit cards with high interest rates in XXXX, 2022. Both XXXX ( XXXX XXXX ) and XXXX ( XXXX and XXXX XXXX ) removed the residual interest but Capitol One representing Walmart did not. The original residual interest was {$41.00}. Capitol One has added {$39.00} as monthly late payment fees since then. Currently, the amount due is {$150.00}. I contend the late fees are nothing more than the junk fees discussed in one of your recent reports. Additionally, Capital One submitted a negative report to the credit agencies and my XXXX score dropped from XXXX in XXXX to XXXX currently. I saw a CFPB report on the credit bureaus and their improved self policing. I beg to differ. Please share my input with XXXX, XXXX and XXXX. My expectations are that Capitol One retract their demand for residual interest and retract their negative report to the credit bureaus thus restoring my positive credit standing.
Product: Vehicle loan or lease

My vehicle was repossessed in XX/XX/2015 in the state of Georgia by santander. I received no certified "right to recover" notice within 10 days of repossession. I was never notified of sale, or a chance to purchase the vehicle, which is required in the state of Georgia. I contacted Santander and they offered no solution
Product: Credit reporting or other personal consumer reports

During the year if 2021 ( 2 ) capital one accounts were opened and used without my permission or authorization and I did not open or use these accounts and would like them removed from all my XXXX credit report.
Product: Credit card

I have been unable to pay my bill for a month or so. I explained to them my situation and told them Id pay as soon as I was able. They wanted the payment in less than 5 days and when I explained that it wasnt feesable they wanted it before 15 days. I got frustrated and hung up, and they have been calling non-stop all hours of the day leaving me vaguely threatening voicemails telling me to have my attorney call them that day or they will escalate it further. No mention of a debt collection has occurred, and I havent been able to get ahold of anyone when I call them back. I have been receiving upwards of 7-15 calls a day.
Product: Credit reporting or other personal consumer reports

My account with ( TRANSUNION 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 ( MONTHS REPORTING LATE ) 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. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card

I have a JC Penner card with Sycrony Bank. Approximately a year ago l, fell behind on payments due to unemployment. XX/XX/2016, I paid a large sum to bring the card current. I continued to make monthly payments of the minimum until XX/XX/2016. I attempted to make a payment online and was unable.to do so as a meesage prompted stating I needed to contact XXXX. I called and the representative told me my account was closed due to non payment and the payment was noted on my account as settled. She told me she did n't have a lost of my transactions and asked about my last payment. I told her it was XX/XX/2016. She asked of I could verify it. I told her I received confirmation emails. She said there was no record and my account stated paid and settled. I told her I was not behind, and I 'd paid a significant amount of money, approximately {$500.00}, to bring the account current. More importantly, I would never agree to settle an account for a negative reporting on my credit report. She told me she notate a need for an investigation of my account. She told me to call back in 48 hours. l asked for a.return phome call or documentation be sent in the mail of the inquiry. She told me she could not make oitgoing calls or send notice in the mail. I called back 72 hours later, to allot ample time for the investigation, and the new representatvie shated the same information. My account was closed for non payment and noted as settled. This concerns me because I was not behind on payments. I did not agree to settle, and I spent approximately {$500.00} in XX/XX/XXXX to bring the account current.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Back in XXXX of 2022 someone stole my credit card and charged multiple items to my card. My ipad and a few other items were stolen as well. I happened to be moving and had people in and out of my house. I opened up a police report and reported the fraud to the police as well as Barclay card. Multiple times barclay card denied my fraud claim stating the card was in my possession, which it was not and another time stating I confirmed a fraud alert they sent which I advised them my XXXX was also stolen and whoever confirmed the message from my XXXX I could not control as it was stolen. When I knew of the fraud I contacted Barclays immediately and did everything on my part. I have been back and forth with them for a year now and every statement and police report I send them the investigator does not read in it entirety. Now I have collections coming after me and my credit has gone down over XXXX points because Barclay fraud investigation has not read my police report or contacted me to discuss the issues despite me contacting their fraud investigations team numerous time. I have notes from their XXXX representatives dating back to 2022 when I would call in almost weekly for an update. At this point I need this fraud removed from my credit card and the collections stopped. I need this fraud claim processed correctly so my credit score will get back to where it was also. Please advise if I need to send over police reports, statements and all of my notes as I have no problems doing so. I can be contacted at XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX XXXX & A Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) and i made no credit application with these companies ( XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ) and feel my rights are being taken advantage of 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -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 shall- ( i ) 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 ;
Product: Debt collection

Theyve called from various numbers once a day for the last about XXXX weeks, largely while Im at work as a XXXX XXXX 

XXXX completely screwed me when I was waiting to start work XXXX with the IRS barely making bills and decided to without telling me send the amount of my credit card ( {$3200.00} ) PLUS any interest ( to a total of about $ XXXX ) effectively tanking my credit and setting me back on progress I was finally making having gotten to start work. Now I dont qualify for any housing grants, rentals, etc. All because of them. 

Now the debt collectors are calling me relentlessly over a bill I not only cant afford but frankly WILL NOT PAY knowing they already wrecked my credit for the next AT LEAST XXXX  years. XXXX threatened to sue and in turn so did Hunter Warfield among their other disgusting behavior and harassment. 

XXXX a XXXX individual who JUST got to finally catch up on their bills and find a career and XXXXXXXX XXXX along with Hunter Warfield are doing everything they can to prohibit me from any normal/decent quality of life.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a Consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : 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. I demand the removal of these incorrect addresses : 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 I demand the removal of these incorrect phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I looked up my credit report and saw a collection from Midland Funding, LLC. I wrote them and asked them to send information verifying the debt. They have not sent this information.
Product: Payday loan, title loan, or personal loan

I applied for the loan, only needed {$200.00} but was given {$870.00}, there's no where to pay online, the email on their site does not work nor does their messaging service. I just want to pay back the {$870.00} as I don't need it anymore. If I want to the email I received says I have to pay the full {$15000.00} with finance charges.
Product: Checking or savings account

I sent money to someone through XXXX and it went to the wrong person and I was not able to get my money back
Product: Debt collection

XXXX On XX/XX/2022, I received a bill for XXXX XXXX provided from out of network provider ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) which was used by my in-network doctor. My insurance company, XXXX XXXX XXXX paid the out-of-network XXXX service base on their pricing schedule. However, the XXXX provider stated that the payment was too low and sent me a bill requesting an additional {$350.00} bill. 
XXXX XX/XX/2022, I called the billing department of the XXXX and also contacted XXXX. XXXX stated that they will send the provider a letter explaining that what paid to them was fail and ask them to stop billing me. 
XXXX XX/XX/2022, I received the second bill for the same amount. Accordingly, I contacted XXXX again and requested a review for the payment and services. 
XXXX XX/XX/2022, I received the letter from XXXX regarding my review request and again it confirmed that I should not be billed for any extra. I submitted a copy to the provider who told me that they are not satisfied with this and they continued asking me to pay the extra {$350.00}. I requested for the to give me additional XXXX to proceed with a personal appeal with XXXX XXXX XXXX but they refused. 
XXXX XX/XX/2022, I received a confirmation from XXXX and a new EOB where XXXX approved my appeal and paid the provider an additional {$210.00}. I contacted the provided with the new payment information but they informed me that my balance was sent to a collection agency and they have nothing to do for me. They also provided me with the collection agency information. 
XXXX XX/XX/2022, On the same day, I Contacted the collection agency, tsi ,  and they told me that they put a freeze for the collection until they verified the charges. 
XXXX XX/XX/2022, I received a letter from tsi showing my account and still not showing the additional payment XXXX made on XX/XX/2022 and kept asking me to pay the debt.
Product: Credit reporting or other personal consumer reports

The accounts are inaccurate as a result of a breach of my information by the XXXX credit bureaus 15 U.S. Code 1692c Communication in connection with debt collection the law limits the situations where the debt collector can communicate with third parties about your debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX several times during the past 60 days regarding the XXXX credit card ending in XXXX. This account is reporting inaccurate, false information that is impacting my credit. 

XXXX of my credit reports list this card ending in XXXX as having a 30 day late payment in XX/XX/XXXX. I was never late on this account. This account is reporting incorrect information that needs to be adjusted. XXXX XXXX XXXX acknowledges that they have a verbal statement from me in XXXX stating that I was never late on this account. 

I have spoken with XXXX representatives at XXXX XXXX XXXX since XX/XX/XXXX, including Customer Relations XXXX XXXX XXXX ID XXXX. Each representative states that they will put in a request to review the account to have the late payment changed to read as a paid payment, yet still the status of the account has not changed as of XX/XX/XXXX. 

I have sent in written statements via both mail and fax to XXXX XXXX asking that the XXXX XXXX 30 day late payment be changed to read as a positive payment, yet they have not changed the status of the payment. ( I have attached a copy of such written statement, including a copy of the Experian report page showing the 30 day late listed for XX/XX/XXXX ). 

Both my Experian and XXXX are showing this account as late, when it has never been late. I have also contacted Experian and XXXX asking them to change this information so that it reports accurately on my credit reports as paid.
Product: Mortgage

I have contacted CitiMortgage several times to request a deed in lieu and have been unable to make any leeway with the process. There has been no acknowledgment of receiving my documents and no one seems able to provide any consistent accurate information whenever I call in. I requested the deed in lieu at least a year ago and submitted the documents via e-mail several times.