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

It's mind boggling to me that for years, I have been disputing things on my credit report reaching out to you all in regards to my credit scores from the other bureaus on your website and app, not showing the correct credit score. However, thankfully, I found CFPB where I can attach files and videos. There's no way that you're showing my credit score for XXXX at let me see here XXXX but when I log in to XXXX it literally states XXXX, when I log into XXXX XXXX says XXXX, when I go to XXXX XXXX is a XXXX, when I check any other credit check system it shows my XXXX XXXX XXXX. Explain to me how you had me at XXXX for XXXX on your website, and then only at XXXX for you? It's giving XXXX discrimination, it's giving that you're not listening to your Customer. It'sgiving that you're doing whatever you want to do, but thankfully in 2023 I can document these things because again I like lawsuits. It should not take years or 30 days to update my information, because you all definitely weren't monitoring my credit when you allowed people to use my credit when I was a baby and couldn't even walk or talk. Do your job!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX accounts with high balances of {$4500.00} and {$500.00}, 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to buy a house & I realized I had damages on my credit report. According to the 15 USC 1681 Law. There should not be any damages in my report is a defamation of my character.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act conversion account number from XXXX XXXX XXXX partial account number XXXX has violated my rights, 15 usc 1681 section 6028 states i have the right to privacy. 15 usc section 1681 section 604 section 2 also states consumer reporting aganct can not furnish your account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$14000.00}
Product: Debt collection

Capital one bank usa suing for account that is beyond the statute of limitations in oklahoma. 
Account opened XX/XX/XXXX Last payment made was XX/XX/XXXX. 
Suing for the amount of {$3600.00} Recieved very little communication via mail, email or phone. 
Date summons was issued XXXX Recieved summons XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Under 15 us 1681 ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report.

Validate/inaccurate reported late payments.

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX 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

This company refused to removed this information from my credit even though my credit information was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

You didn't really have my issue as one of your options. I have basic and general complaint against Transunion. These credit agencies are terrible companies. They don't do anything to help consumers. They have only screwed me. They don't raise my credit score even if I have 0 collections reported, 100 % payment history. They don't share how they calculate my score yet they use it to allow banks and credit cards to XXXX me on interest rate. My score doesn't go higher with positive actions but if I use a credit card my score goes down substantially. It is a disgrace that banks use this unequal measure to legally discriminate against non rich people. They should be illegal. They really are only in collusion with banks and lenders and the XXXX of consumers. How can the consumer protection bureau allow these companies to XXXX over hard working americans by allowing banks to use a score that is so partial and non objective it is scary. Then they charge me to have access to my own information! How in the heck can that be right? I can get one free report a year? Why not any time I want. It's such a shame they make millions probably billions from my information then charge me for it. How about use some of that money they make and help people get out of debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

Two months ago I checked credit reports from all three agencies. The department of education student loans that were forgiven two years ago or still listed as open by all three bureaus. Called department of education. They said they would notify all three bureaus that my balance was XXXX and the account was closed. XXXX did not get this information, they claim, and my credit score is XXXX points lower than it should be. The auto loan I am taking out today is based on todays score. XXXX is wrong. I will be forced to pay I hire interest rate for my loan because this information was not corrected two months ago.
Product: Consumer Loan

I Have a loan with Vouch Financial and have made 4 payments which all were made on time. Vouch Financial went out of business and now the have a the loan being serviced by XXXX XXXX XXXX XXXX XXXX. They did not want to give me the physical address of XXXX XXXX,
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$29000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$30000.00}
Product: Bank account or service

I signed up for Citibank 's promotional offer to open a CitiGold bank account and was offered XXXX XXXX miles within 90 days of completing the requirement. I completed all the promotional requirements and Citibank is now refusing to honor the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently took a look at my credit report and there are accounts listed that do not belong to me, I am a victim of identity theft
Product: Debt collection

I was informed via emails dated XX/XX/year> and XX/XX/year> of the unlawful sale of my personal and private information from XXXX XXXX XXXX  to Resurgent/LVNV Funding LLC . 

XXXX XXXXXXXX XXXX had no right nor my permission to sale my information to an entity that I have never been associated with. 

This entity is now unlawfully soliciting payment from me due to their unlawful purchase of my information. 

Resurgent/LVNV Funding alleged that I am indebted to them for the amounts of {$1300.00} and {$1000.00} regarding to their unlawful purchase.
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these unauthorized and fraudulent inquiries are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding these unauthorized and fraudulent inquiries that are reported on my credit report. They are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Debt collection

Harris and Zide should have their law license revoked!!! first of all I was  never served I wsas not aware of this judgment from XX/XX/XXXX when I started getting called and letters from them threatening to garnish my XXXX wages calling threatening to arrest me ... I later found out that they left papers with my neighbors kid how is it a good service? .. I called XXXX  XXXX XXXX willing to settle this past due account who agreed to accept XXXX but to pay harris and zide. when I called harris and zide and spoke with with XXXX XXXX he laughed at my " XXXX '' accent and said this is XXXX   and he will not accept less than XXXX I even put XXXX XXXX XXXX on the line to conference but he hang up ... then I called to ask to speak with someone XXXX  speaking was connected to XXXX XXXX who was worse - he ask about my income and asked to send in my XXXX checks so he can garnish my income .... isn't this illegal to go ... i'm trying to do the right thing but seem like i'm being taking advantage of. I have on hand a letter from XXXX XXXX XXXX stating I owe then XXXX but harris and zide said it is now XXXX isn't this a usuary? ... against ca interest rate laws ... i'm very confused, threatened, harassed and insulted at this point. I was never treated this way as a vet and disadvantaged citizen this is outrageous. I'm going to the district attorney 's office next to see if they will help. I want to resolve this 9 year old debt but don't wish to work with harriz and zide, I wish to settle this with the original creditor XXXX  XXXX XXXX and get satisfaction of this judgement once and for all and stop all harassment calls from harris and zide. please help, I was also given contact for ftc and cal bar to file my complaints with. I have nothing but time and will see justice and release
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Consumer Reports and noticed that I had SEVERAL late payments on an account that has not been updated accurately. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. The late payments and past due balance reported of {$63000.00} for the account : XXXX : ACCOUNT # XXXX are not accurate. Please investigate and provide Proof with statements showing that these payments were late all late. This account is paid up and is not behind in payments. If proof can't be provided I request these payments to be updated as paid on time since the account is current. 

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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Due to their inaccurate reporting, my credit report has suffered.
Product: Credit reporting or other personal consumer reports

There are multiple accounts on my credit report that have given wrongful information to all XXXX credit bureaus. I have contacted those consumers and they have agreed to report to all XXXX credit bureaus for the information given to be removed from my credit report. Both XXXX XXXX and XXXX have disputed the accounts by Experian has not done so. I have now put in a various amount of disputes to each account on Experian and they still have not removed any of the accounts stating that they have made investigations which I figure they can not be accurately doing so considering the fact that the consumers agreed for the accounts to be removed and the other bureaus have removed them. In result to Experian repeatedly falsely investigating the information on the accounts, I have not been able to boost my credit with any new accounts, get approved for any vehicles, homes etc. I ask that you'll please do whatever you can to help me get these accounts removed from my credit report with Experian as soon as possible. Hope to hear from you all soon, thank you so much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. 

You never had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place. 

In addition to the many violations, XXXX is NOT the original servicer of the XXXX Accounts # XXXX. That makes them a third party debt collector under the FDCPA. It shows the accounts are Paid in Full ( PIF ) which means these student loans were paid in full by an insurance claim filed by the lender or guarantor agency. It was paid via insurance. 

XXXX has also failed to properly secure and safeguard personally identifiable information for more than XXXX XXXX borrowers, including myself during a recent data breach of its servers.The particular PII allegedly included my addresses, email addresses, phone numbers, and Social Security numbers. The complaint argues that the release of that information resulted from XXXX ( XXXX ) failure to secure the data, ( XXXX ) failure to comply with industry standards, ( XXXX ) unlawful disclosure, and ( XXXX ) failure to provide adequate notice of the incident. 

What I am demanding right now is that you guys delete the multiple XXXX Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XX/XX/XXXX CAF XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Subject : Request for Co-Signer Release from Auto Loan Agreement/ Goodwill late payments removal Dear Carmax Auto Finance XXXX I am writing to formally request the release of my responsibilities as a co-signer for the auto loan associated with XXXX # XXXX, held by XXXX XXXX XXXX XXXX Also I reached out to formally ask that this account be investigated for removal of late payments reporting on this account for XXXX : XXXX, XXXX, XXXX, XXXX During this time the original owner was facing financial hardships with her home, childbirth etc. However since then the account has been on time and up to date with payments. 
In accordance with the provisions of the Equal Credit Opportunity Act ( 15 U.S.C. sec. 1691 et seq. ) and the Fair Credit Reporting Act ( 15 U.S.C. sec. 1681 et seq. ). 
Since I co-signed for this loan on XX/XX/XXXX, the primary borrower has made consistent and timely payments for the past XXXX months. As per our agreement, I understand that I may be eligible for release after the borrower demonstrates a solid payment history for a period of 6 to 12 months. 
Given the primary borrower 's adherence to this requirement, I kindly request that you initiate the process to remove me from the loan agreement. Please let me know if there are any additional steps I need to complete or documentation you require. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

On XX/XX/2021, I opened an e-mail from an unsolicited source named Alum Financial XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - ( XXXX ) XXXX. 

The representative gained access to my FSA ID without my knowledge or consent. The FSA ID was altered without my consent. I received subsequent notifications to that effect. 

I was informed by said representative that by submitting application fees to process my account for student loan forgiveness in the amount of {$120.00} for a period of 10 months, after successfully completing the period, my loan would then possibly be discharged upon review. 
In fact, Alum Financial is not on the official list of authorized institutions that are, in fact, authorized to act in accordance with the Federal Department of Education. Alum Financial is further not authorized to act as a legal agent to discharge a debt on their behalf. 
I was encouraged to use 'XXXX ' to complete the application. Everything about the transaction was timestamped. Only after having signed the contract, did I begin the review of the details. A cursory review of the company revealed the likelihood that a scam was undertaken. As it happens, it is illegal to charge for filing application fees for student loan debt relief. It is illegal to gain access to anyone 's FSA ID without their knowledge. I contacted my bank to alert the fraudulent activity and requested a chargeback for the initial fee in the amount of {$120.00}. I then contacted Alum Financial earlier this day ( XXXX XX/XX/2021 ) to inform the company of my actions and to request the cancelation of services forthwith. It is my understanding that legal contracts can be voided within three business days with little or no adverse consequence.

In summary, Alum Financial is not unique as a predatory market entity. They abound across the Nation.

Alum Financial needs to be placed on the extant list of companies that are banned from their engagement in the Student Loan Servicing industry.