23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX6112. USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, CA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2.

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, CA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice.

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX XXXX located at : XXXX XXXX  XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice. 

XXXX XXXX Mail XXXX # XXXX ( delivered on XX/XX/2023 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX 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
Product: Debt collection

I was contacted by phone, when I answered I got a recording tell me to call back. After a few calls and a voicemail I called. I was greeted with and told that they needed my full name, date of birth, and my full address or they could not talk to me by law. I expressed my concerns about phishing scams and was told again that they couldnt give me any information. I was told that it was Fine I didnt have to talk to them and they hung up. I called back three more times trying to solve the issue. Each time I was hung up on even after requesting a supervisor.
Product: Credit card or prepaid card

Bank Of America XXXX XXXX is deny me a credit card to help with my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIONS : SEE ATTACHMENTS : NOT MY NAME : XXXX XXXX NOT MY ADRESSES : XXXX XXXX XXXX XXXX XXXX, TX XXXX NOT MY INQUIRIES : XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX NOT MY ACCOUNT : XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$47000.00} written off. 


XXXX XXXX XXXX Account Number XXXX XXXXXXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type XXXX Original Creditor Name XXXX XXXX XXXX Months Reviewed 19 Activity Designator Terms Frequency Term Duration Purchased From Sold To Balance and Amounts Balance {$24000.00} Credit Limit {$0.00} High Credit {$47000.00} Available Credit $ XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXXXX/XX/XXXX
Product: Consumer Loan

In XXXX XXXX I leased a XXXX XXXX XXXX, through the finance department XXXX XXXX. The lease was for 39 months with an initial payment of {$3000.00} and 39 monthly payments of {$270.00}. The total amount I paid for the lease of that vehicle was {$13000.00}. 
In XXXX XXXX, XXXX, when the lease ended I gave back the car in perfect condition : interior, exterior and mechanically, according with the inspector that Toyota sent for the inspection. 
Now Toyota finance is asking me to pay additionally {$350.00}, in order to move their vehicle from the dealer to a place for an auction. I consider the requirement of that payment is abusive, for these reasons : XXXX I paid always on time. 
_ The car was in perfect condition when I gave back to Toyota. 
_ I paid all the services for that vehicle in Toyota 's service department, according with their own maintenance schedule. 
_ I paid the last month, even though I use the car only for 15 days. 
_ More important, I gave back the vehicle without using XXXX XXXX miles, that I was entitled to use ; therefore, Toyota has a big plus, because with the saving of that mileage Toyota gets, at least, {$2000.00} or {$3000.00} more when they sell the car. 
Toyota is taking advantage of a good customer, forcing me to pay {$350.00} on top of all the big amount I already paid. This company is using abusive, greedy and lack of consideration practices. 
Notice : The amount Toyota is asking me to pay was included in small letters in a XXXX pages contract that I signed, but, unfortunately I did n't read.
Product: Credit reporting or other personal consumer reports

Equifax keeps refusing to block the information, XXXX, and XXXX have already done it. I have about eight fraudulent inquires. I have submitted a ftc identity theft report, to equifax with the inquiries listed to all three of the credit reporting agencies and they are the only one who refuse to block. Tell me why. Once again could you please block/removed/delete these eight fraudulent inquires from my credit report, I am currently applying for employment and they check credit and these fraudulent inquiries are ruining my credit worthiness.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX 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. 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 name : XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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, credit repair services, 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 : XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX XXXX- Installment, Account number : XXXX Account name : XXXX XXXX, Installment, Account number : XXXX Account name : XXXX XXXX , XXXX , Account number : XXXX has violated my rights. 

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

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

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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion reported false and fraudulent information on my credit reports. They are still continuing to report these negative accounts and inquiries. 

XXXX and TransUnion FAILED to inform me about the DATA BREACH and FALSE CREDIT reporting. 

XXXX and TransUnion FAILED to inform me of compensation and how to apply in hopes I wouldnt find out. 

XXXX and TransUnion have cost me thousands and thousands of dollars. Ive spent 1 year with letters and credit repair hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  will not remove the dispute Im requesting.. Ive already contacted them and explain that the auto loan was fraudulent put in my name by a family voluntarily turn it in ... Im so hurt because now my credit is destroyed from a auto loan I wasnt responsible for myself
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the accuracy of certain collection ( Santander consumer usa ) listed on my credit report. The amount is {$15000.00} and the date it was open is XX/XX/year>. In light of recent legal action taken against XXXX, I have become aware that your credit reporting practices may have led to inaccuracies that have adversely affected my credit score and financial standing. As a result, I have been denied credit cards, auto loans, and have been subjected to higher interest ratesall due to the incorrect information on my credit report.

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which grants consumers the right to dispute inaccurate information and demands that credit reporting agencies investigate disputes in a timely manner. The FCRA mandates that the information be corrected or removed if it is found to be inaccurate, incomplete, or unverifiable. 

Based on the recent findings of XXXX 's failure to properly verify or report accurate information, I am requesting that the collection entries in question be removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am entitled to have this matter addressed within 30 days. However, given the severe impact this situation has had on my ability to secure credit, I am demanding that these inaccuracies be removed within 5 days of receiving this letter. 

Failure to do so will leave me no choice but to escalate this matter. Specifically, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will also pursue legal action for violations of my rights under the FCRA. Under 15 U.S.C. 1681n, I am entitled to seek statutory damages if my rights under the FCRA are violated.

This letter serves as a formal notice that I expect the following actions from XXXX : 1. Immediate investigation and removal of the collections listed on my credit report.

2. Correction of any other inaccuracies or incomplete information that may appear on my file.

3. Confirmation, in writing, of the removal or correction of the disputed items within 5 business days of your receipt of this letter.

I trust you understand the urgency of this matter. I expect to hear from you soon and look forward to your prompt action. Please send me a written statement of the outcome of your investigation and the subsequent changes made to my credit report. 
Thank you for your prompt attention to this issue. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act This creditor has violated my rights.. XXXX XXXX XXXX Account # XXXX, Under 15 USC 1681A ( 2 ) Exclusion report containing information solely as to transactions or experiences between the consumer and the person making the report Under 15 USC 1681 section ( 602 ) States I have a right to privacy Under 15 USC 1681 section 604 ( A ) Section ( 2 ) States a consumer reporting Agency can not furnish an account without my written instructions.

Under 15 USC 1666 ( b ) Creditor may not treat a payment under a credit card account under a open end consumer credit plan as late for any purpose
Product: Student loan

I took out this loan for my daughter, XXXX XXXX, who was the student. I am her father. She promised to repay me, and she has not. So I stuck with this loan.
Product: Credit card

Capital One Savor card- I have an auto pay of {$25.00} set up in the event that I forget to make a payment. I understand that I would still have to pay interest on the unpaid balance But I set this up to at least avoid the penalty charge. 

The problem is that every month, I log into the app to pay the full previous statement balance days before the {$25.00} auto pay is set to trigger. There is absolutely no indication that the full remaining balance from the last statement does not include this {$25.00} auto pay. The scam is that even though I paid the full balance, Capital One charges me interest charges for two months after that payment. 

Ive received different explanations for it, but the latest agent explained to me that the full balance does not reflect the {$25.00} that is set to be paid in the coming days. This is a predatory practice and should be stopped. I have not once been notified that the full balance does not include that {$25.00} but they continue to penalize me. 

I would expect that if Im paying the full balance on the XXXX, that would preempt any balance remaining or auto pay on the XXXX, but I have never been notified that this is not the case the latest agent explained to me. 

This agent arrogantly explained that I had it wrong even though I have never received any notice that this is their predatory practice. 

When the app asks if I want to cancel the auto pay When Im paying the full balance days before the auto pay goes into effect, it does not explain that that {$25.00} has been subtracted from the full balance. Im simply clicking the button that says pay last statement balance. How can I possibly know that it is not actually the full balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the charges, dates and amounts being charged. 

I have attached the original statement that was sent to me from the debt collector. 

You can see at the top right it says statement date is XX/XX/XXXX it then says statement covers Winter Quarter XXXX. 

The statement also has typing outside of the box which indicates to me that it is fraudulent. 

This is a discrepancy. 

I attended the school in XXXX and XXXX however there is a discrepancy in the documentation and it has not been removed from my credit report which is illegal. 

I am disputing the entire balance. 

I just recently disputed it and it was not removed even with the inaccuracy and supporting documentation that I provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account with XXXX XXXX XXXX that is now closed. The account was open in XXXX but it says XXXX. The account was supposed to have been removed but keeps appearing. I requested for it to be removed and its still there.
Product: Mortgage

On  XXXX   XXXX ,  2017 , a man knocked on my door to notify me that he bought my home on Auction at  XXXX  that morning. I had no idea my home was up for auction as I did n't receive any notification of such. I immediately reached out to the company Wells Fargo Referred me t o (   XXXX   XXXX   XXXX   ) to  assist with my loan modification documents and they stated they were also unaware of any auction date. My loan became delinquent about 8 months ago after my   XXXX   XXXX   was cut and I have been working with Wells Fargo the entire time to receive some sort of assistance. I recently received a new job with a higher paying income and submitted the new documents to be considered for assistance. I was informed by  XXXX   XXXX   XXXX  that once they received these documents ( the offer letter  ) th at we could move forward with mediation. I have sent numerous emails and made numerous phone calls inquiring of the status of my modification since and received no follow up until the morning I received the knock at my door. I had no chance to file bankruptcy or take any other steps to save my home. I want a fair review of my application.
Product: Credit card

On XXXX I was charged XXXX for XXXX ad XXXX On XXXX charged XXXX and a foreign transaction fee of XXXX cents. I am not a business nor did I authorize it. I had a XXXX balance I contacted the co was told theyd remove it close the card and issue a new one. They didnt. Ive emailed 4 times and when you call youre told agents busy leave a message. I want the fees removed and a new card
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I called Navient on XX/XX/XXXX to request an appeal application for a denial regarding my XXXX XXXX XXXX XXXX. The representative that answered the phone had no information or knowledge of this program and could not even provide me with a phone number or email for this program. I was instructed to go back to my denial letter and use the information there. 

On XXXX I called the number listed in my denial letter, XXXX Extension : XXXX. When calling this number there is no option to enter an extension. The line rings and always says there is one person ahead of you and a 3 minute wait. I wait and after the 3 minutes it says no one is available to take your call. I called back several times and finally requested a call back. The line sounds like heavy static and poor quality. 

These additional road blocks and difficulty to receive proper information are frustrating and stressful.
Product: Mortgage

I CURRENTLY HAVE A 2ND MORTGAGE WITH 21 CENTRURY. I AM TRYING TO REFINANCE MY LOAN AND WHEN THE PAYOFF WAS REQUESTED THEY INCLUDED AN ADDITIONAL {$7000.00} OF ACCRUED INTEREST WHICH IS UNETHICAL AND UNFAIR. 

NEVER HAVE MY MORTGAGE STATEMENTS REFLECTED THIS ACCRUED INTEREST IN MY MORTGAGE STATEMENT. 

I HAVE INCLUDED THE PAY OFF THAT I RECEIVED FROM 21ST MORTGAGE.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Product: Credit reporting or other personal consumer reports

I dispute some information on my report and a lot of the information wasnt mines or it was wrong information and they either put it back on there or never removed it. 
These companies have been taking advantage of my credit for too long XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 never had a bankruptcy on my credit and its not mines I been explaining that
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX At XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.