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

This is not a third party, this is XXXX XXXX the natural person and consumer, you are doing this in bad faith and I know this is willful and intentional, this is bad business. 

Experian needs to own up to its mistake. These clowns still are creating problems for me. This is not a third party, this is the consumer/natural person! Not a company or business, this is just me dealing with your breaking of the laws. And I have demanded to be compensated. EXPERIAN has allowed identity theft to happen which was found by me, as a result they have deleted the accounts. Pursuant 15 usc 1681b ( 1 ) ( 2 ) these accounts lacked written from the consumer and were reported without my knowledge, which was willful by EXPERIAN. I discovered identity theft and violating my right to privacy pursuant to 15 usc 1681 ( 4 ). My reputation being dragged through the mud has caused XXXX, and I can not sleep and this was all because of a mistake on the credit reporting agency, and I have suffered for the misuse of my credit file and the accounts were deleted. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, were all fraud. EXPERIAN has violated 15 USC 1681b. EXPERIAN has violated 15 usc 1681c and as a result are violating 15 usc 1681e compliance procedures. As a consumer I am due monetary compensation, pursuant to 15 usc 1681n ( a ) ( 1 ) ( a ) ( b ). I am demanding {$3000.00}. This for each account deleted as a result of the fraud. These clowns have ruined my life and I will pursue litigation if need be. 

I have requested my credit file pursuant to 15 usc 1681 ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. I have not received a response and its been months of me requesting this information. 

Also account XXXX XXXX XXXX lack written consent pursuant to 15 USC 1681B ( 1 ) ( 2 ) and have not been investigated according to 15 USC 1681 ( e ) again breaking the FCRA. EXPERIAN has allegedly verified the information but I have not received the correct method of verifying anything according to law, I have asked EXPERIAN to provide me with who was interviewed, what method of verifying pursuant to 15 usc 1681 ( e ) I have asked for EXPERIAN to provide the method pursuant to the investigative consumer report within the FCRA. Please provide me with names of everyone you interviewed/investigated. However, such information shall not include specific factual information on a consumers credit record, according to law and I have not saw a response. I have also submitted a XXXX XXXX XXXX  complaint, you have not responded to this complaint and they are currently waiting for a response back. And I will be sending complaints to the attorney general, FTC, and EXPERIAN registered agents about the lack of following federal law.
Product: Credit reporting or other personal consumer reports

I disputed this account on XX/XX/scrub>XXXX XXXX XXXX In response to my dispute XXXX issued a letter that requested the " account names, account numbers and the specific concern with the items that you are disputing. '' The information is immediately below. 

Account Name : Truist Bank Account Number : XXXX XXXX Specific Concern : See XX/XX/year> dispute letter ( attached ) The Account Name and Number can be found on page XXXX of XXXX in the XXXX Disclosure issued on XX/XX/year> with Report Confirmation Number XXXX. I am also attaching this page to this dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was reported as a charge off/profit loss. However, SAFCO continues to report this account as open when in fact it is closed and written off. 
There has not been any activity on this account since XXXX of 2017 and Southerm Automotive Finance Company continues to report activity. Additionally there should not be any balance remaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U, S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.. 
.. 
Account name XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/2022 Status Collection account. {$570.00} past due as of XX/XX/2022. 
Status updated XX/XX/2022 Balance {$570.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$0.00} Original balance {$570.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX IL XXXX Resident type Single family I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : This is not reporting under XXXX XXXX guidelines By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these all mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mall. 

Sincerely,
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not recieved a repsonse yet. I feel like i'm being taken advantage of and being ignored of my disputes section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I received a letter stating my HOA was sent to this company for collections for the amount of {$1100.00}. I reached out to the company on XX/XX/XXXX asking if I could try and settle the debt that was written in the letter. The young lady let me know that I would need to email asking for the debt settlement. She also stated, that as long as I was in negotiation of settlement, they would not put a lien on my property. 

I received a letter XX/XX/XXXX stating the settlement was denied. I then sent another email on XX/XX/XXXX, asking for another settlement request. No response from company. I received a letter in the mail on XX/XX/XXXX, not only increasing the amount with no notice to {$1700.00} but also stating my property was now having a lien put on it for no payment. 

I contacted the company again, today, XX/XX/XXXX, asking why I have not received anything in writing letting me know my settlement was denied or that the amount has increased. They stated, they have not had a chance to send the letter yet. But they are moving forward with putting a lien on my property. How is this right, when I am in communication with the company requesting a settlement with no response. 

The gentlemen was very rude, nasty and disrepectful. He hung up on me when I asked for an explanation.
Product: Credit reporting or other personal consumer reports

I have repeatedly emphasized the urgency of this matter. I am fully prepared to take decisive action. Given the lack of progress or any positive developments, I am left with no alternative but to escalate this case to arbitration. Despite my previous efforts to address this dispute, no resolution has been reached. The entire extent of my grievances remains unresolved. The investigation, which was supposed to be completed within 30 days according to the law, actually took 60 days. This delay is unacceptable, as anything beyond the mandated timeframe necessitates removal. I have already reached out to the XXXX XXXX XXXX, indicating my readiness to pursue arbitration against all relevant parties for the damages incurred.. Regrettably, I am unable to relocate due to the companies ' unlawful reporting of consumer credit transactions, which flagrantly violate my consumer rights, privacy, and consumer law. I am actively engaging with the state legislator regarding this issue. Despite my attempts to resolve the matter with all three credit reporting agencies, who continue to report these illegal consumer credit transactions, I am left with no choice but to initiate arbitration proceedings to seek compensation for the damages inflicted. I am seeking {$25000.00} for each damage caused to ensure the safety and well-being of myself and my children. The distressing nature of this situation has compelled me to seek counseling and various forms of assistance. It is imperative that these erroneous late payments be expeditiously removed from my records. 
These account are reporting fraud does not belong to me.
Product: Credit card or prepaid card

On XX/XX/2021 I used the online chat to request and complete a product change from an existing Citi ThankYou Preferred Card to a Citi XXXX XXXX AAdvantage Platinum Select Card ( card number ending in XXXX ). The Citi agent who processed the product change did not ask my existing XXXX XXXX AAdvantage number ( XXXX ), and thus failed to associate it with my new credit card number. Because of this a new AAdvantage number ( XXXX ) was created and associated with my card. Despite several attempts by calling Citi and XXXX XXXX, I have been unable to find a fix to this issue. Each time I contacted Citi they said they were general customer service and I need to contact Citi XXXX XXXX Department and gave me a phone number for that department. I could never reach XXXX XXXX Department by calling the provided numbers because calling the numbers again connected me to general customer service. After repeating this process for a few time, this proved to be a futile and never-ending loop. I requested to talk to a supervisor which never materialized because either one was not available, or the agent decided to connect me to another department despite asking for a supervisor. 
One solution that a Citi agent proposed was to contact XXXX XXXX or use XXXX website to merge my two AAdvantage accounts. Although I dont believe it is XXXX XXXX responsibility to solve a problem that was created by Citi, I accepted to try this option but. Yet after trying to merge my two AAdvantage accounts, I was informed that they could not be merged because the information did not match between them. Apparently one or more piece ( s ) of information that was used to create the new AAdvantage account for my credit card is different from my existing AAdvantage account. I can not access the new AAdvantage account to check or change the information to resolve the mismatch. 
Because of this ordeal, I have been unable to use the advertised benefits of my card which has a {$99.00} annual fee. Specifically, I wanted, but was unable, to book Reduced Mileage Award tickets which are bookable only by credit card holders. The number of miles needed for these tickets have significantly increased during the days I have been unable to use the benefit. 
At this point, I have two requests. First and foremost, I want Citi to change the AAdvantage number associated with my Citi AAdvantage credit card from XXXX to XXXX. Citi may coordinate with their partner ( XXXX XXXX ) to make the change, if thats needed. 
In addition and considering the loss I incurred ( increase in the number of required miles ) while I was unable to use the advertised benefit of the card, I request Citi to waive or reimburse the upcoming annual fee of my AAdvantage credit card, or post a one-time credit of XXXX miles to my AAdvantage account ( number XXXX ).
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  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 me 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 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 or other personal consumer reports

in accordance with the Fair Credit Reporting act DEPTEDXXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Collection Agency Name : XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Account Name : XXXX XXXXXXXX, In accordance with 15 USC 1692g , I, XXXX XXXX , a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. 
The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.

Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

For many years my husband and I have struggled with our credit - we lost our house in XXXX due to an outrageous ARM loan, moved a couple of times before getting settled, lost a job, etc. -- all while raising XXXX children. When the oldest wanted a vehicle of her own to drivXXXX, which would help me out with the other XXXX kids, we went to a small lot and purchased a two year old vehicle with some cosmetic damage, but it was perfect for her first car. Credit Acceptance Corp was the only company who would finance me, alone, for that car. After paying {$1500.00} down and agreeing to {$400.00} a month car payments, we took possession. Ten months later, the dang thing has been repossessed three times. They were taking the payments every two weeks after the first repossession, and then I lost my job and the payment was returned one time. They kept trying every day to take that from my checking account, and it caused a " decline '' fee each time. Once I realized it, I contacted them to tell them to please stop trying and I 'd pay a different way. I made a payment, but apparently, that did n't catch me up because although biweekly payments were resumed for several months, at an amount they indicated was to cover the repo fees, they came and snatched the car again from my driveway. Once I realized it, I called them and they said it would be {$850.00} to recover it ( AGAIN ). They said I could pay {$250.00} by XXXX XXXX and the balance by XXXX XXXX, but would also owe the payments that would have come due over the time period they had it. Then I had to go through a nightmare with the repo company ( which are not regulated in NC ) just to get personal belongings back. They informed me the car has already gone " to auction '' so what is the point of me trying to get it back? After reading hundreds of complaints on the internet, I realize I am not alone. Although there have been numerous class action lawsuits filed against these folks, I would n't be able to afford to pursue such action. So now I am without that car and from what I read, I 'll have to file for bankruptcy just to get rid of these people because consumers are reporting that they are vicious in every aspect of the car loan industry. Someone needs to investigate and help the consumers who are only trying to get out of their situation. It is bad enough to have to pay almost 30 % interest on a XXXX used car, but their collection practices are out of control. I feel completely frustrated and violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called, sent written notice, and disputed online for inquiries that I do not recognized and/or authorize. 

XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX Card XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXXand XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

I bought my home in XX/XX/XXXX. I am XXXX XXXX XXXX and I applied for and was approved for the Senior Homestead exemption on my taxes in XX/XX/XXXX. I have been asking for the escrow to be recalculated to reduce the payment since XX/XX/XXXX. I sent XXXX more emails to their customer service dept. on XX/XX/XXXX. They still refused to confirm receipt of the documents. So I called them XX/XX/XXXX to see what else they needed or to get a status of the request and they said they never received the documents. They told us to send the documents again so I emailed the same address again with the new tax bill showing the exemption along with the original application and my new ID with the address on it. I was told it would take 30 days to process the " analysis '' of the escrow. We called again XX/XX/XXXX and XX/XX/XXXX and they still do not know when it will be complete. This is causing me great financial hardship and I need help to make them adjust these payments. I am getting refunded by the tax office because they are collecting too much for the taxes but still refuse to process the change to the escrow. I don't know what else to do other than to file this complaint and see what can be done to help me get this processed. I am a retired XXXX Veteran and among some of the first women ever enlisted in the XXXX as a XXXX. I deserve this tax break and I have worked my whole life. I see no reason why it takes 6 months to a year to recalculate the tax deduction for the escrow. 

Thank you XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXXXX/XX/2024 I have recently received a copy of my TransUnion credit report and it showed a credit inquiry by this company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on file unless I have given you express authorization. Please remove these inquiries from the report.
Product: Credit card or prepaid card

My Credit card ( XXXX ) was recently transferred from XXXX  XXXX to XXXX by Goldman Sachs on XX/XX/XXXX. I have received a letter to create a new online account to view my info, however after making the account login it requires I get a 6 digit code to access my account online. I can never get that 6 digit account. Spent hours on XX/XX/XXXX trying to call and got hung up, transferred and even cussed out. Tried contacting via XXXX and have copied my ordeal on there for others to read.? Latest I heard from an XXXX XXXX that my email will not work ( I used it for XXXX XXXX, and every other bill/membership etc I have ). She stated I needed a XXXX account. So I created one ... .still can not get access. I have called at least every other day asking for help ... no changes. Made a XXXX XXXX on XX/XX/XXXX at XXXX at night with XXXX who said it would be answered in 10 days ... .no response. I have asked for management... they refuse customer access. I need my info to do my taxes, this is killing my nerves.