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

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1681 section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 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. Furthermore this is also a violation of the Privacy Act of 1974. I, the consumer have informed the credit agencies and the creditor that per the FCRA as a federally protected consumer I am opting out of any and all authorization i the consumer may haven given them written, non written, verbal and non verbal per 15 U.S.C. Section 6802 and 16 C.F.R. 313.7 ( f ). The creditor has failed to respond to my request for validation, notice of billing error, to provide an application and promissory note, to provide me with full accounting and to answer if this account is a loan. According to XXXX XXXX XXXX this alleged collection is not the result of a credit transaction and should not be on I, the consumers consumer report. Also it should be noted that I, the consumers identity was stolen and used to create credit unknown to me the consumer and this creditor has refused to provide me the consumer any information about the transaction. It is my opinion that XXXX XXXX is a rush to judgement into a default judgement which is against the law and it is also a violation of Constitutional due process. Who received the loan? Why is the terms 0 months? And what was the original loan amount that was received because I the consumer didnt receive any funds from the transaction. Without this creditor providing me, the consumer valid and relevant information I, the consumer have no other ways to understand what, who and why this alleged debt exists. This creditor and the credit agencies have damaged my reputation with the banking industry thus hurting my ability to get good interest rates and be approved for credit. This is not full transparency. Please investigate this issue post haste so I can collect more information to file a police report etc. and remove this inaccurate and false information from my consumer report. I would also like the method of verification used to verify this alleged debt and I want the original wet ink signature contract showing my, the consumer signature on it that is supposed to be on file. Be advised that per 15 U.S.C. Section 1681 ( n ) the alleged creditor and the credit agencies that it is {$1000.00} per violation. Respectfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format methodignoring to report. 

XXXX XXXX Account ID : XXXX or XXXX1 ( please see attached screenshot that account number is different between 3 credit bureaus ) The date of the last activity for the account is different between all three Credit Reporting Agencies. After requesting investigation from the Original Furnisher and Credit Bureaus it stays same way different. That is giving me indication that it was never investigated by anyone. Please see Attached screenshot of this account in question.

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).
It is very serious that you please investigate and resolve as this is harmful to my character and is obstructing my potential to obtain financing.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 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 USC 1681 s-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: Student loan

Hello, I made multiple attempts to change my student loan payment. As it sits the payment is too high right now. I tried contacting the company several times. I sat on the phone for over 2 hours trying to speak with someone in XXXX and the assured me the new payment was being processed and it would be ready in 10 days. Here it is almost XXXX and they've done nothing. Tried contacting the company by email and they said they wouldn't respond for 30 days. 

This company is a ridiculous waste of taxpayer money. They make it impossible to pay back for people who want to pay back their loans, it's impossible to get anyone speak to anyone at the company. Where is the oversize? How can our government allow companies they hire to treat citizens in this way?
Product: Debt collection

Hunter Warfield has refused to validate the debt on XXXX occasions, verbally in XX/XX/XXXX when they called me. They then called my brother and mother and disclosed it was for debt collection purposes, in XX/XX/XXXX when I sent a Do Not Call letter and a request for debt validation and in XX/XX/XXXX when I submitted another request for debt validation. Additionally, Hunter Warfield reports different amounts to the different credit reporting agencies.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be updated.

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. 


EQUIFAX 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: Debt collection

Enhanced Recovery has been reporting incorrect information on my credit file that was involved in identity theft in the amount of {$77.00} in the name of XXXX XXXX and XXXX XXXX. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.
Product: Credit reporting or other personal consumer reports

My information was stolen and somebody took breached my information. These inquires on my report are fraud and unathorized. I have my ftc report. This is efffecting my life and getting me denied loans. remove in 4 days
Product: Debt collection

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which Credit Control Corp is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

I also sent the dispute to the Credit Bureaus, but XXXX did not remove the account on their reporting, even though the other creditors already remove the account on their end. 

Credit Control Corp is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Product: Vehicle loan or lease

XX/XX/2019 I tried resolving a 30 day delinquency by refinancing my auto loan. Ally told me that their system would not accept payment, because the process for voluntary surrener had begun. Ally recorded each call each day, I was told and was well aware I was trying to resolve to keep my vehicle. Ally recommended surrender and paying the account off during the process, I did what Ally recommended voluntary surrender XX/XX/2019. Ally never contacted me once I voluntarily surrendered the vehicle, instead Ally sold the vehicle and instead of me having an opportunity to pay the vehicle off in full, now Ally states I owe Ally the difference. I do not owe the difference I was in contact with everyone including XXXX XXXX  XXXX XXXX who informed me Ally sold the vehicle I surrendered. When contacting Ally, Ally told me though I have received every piece of correspondence from them, something must have happened to the information mailed to me on in XX/XX/XXXX that would have given me opportunity to own my vehicle. Now, Ally aggressively try to collect on their mistake. I told Ally I am XXXX and would not lie about the process they had me in nor would I lie about the fact that I never received their correspondence, even though I am home everyday for the mail. Ally Rep just kept repeating the same information
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card

In 1998, opened a Citibank credit card in college. Ever since, they 've charged me a " Credit Shield '' on purchases, which did nothing to my knowledge. When I could n't pay, I was not made aware of any services this " Credit Shield '' provided. Tried multiple times to have service removed. Open several, other Citi cards, never a problem. But in the XXXX decades, it 's cost me thousands of dollars and I want it all back. What a ripoff!
Product: Payday loan, title loan, personal loan, or advance loan

The loan I have signed up for is for solar installation + HVAC replacement. The lending company should only charge me when the product installation that has been completed but they started charging me before completion. I have contacted the company a few times but they ignore my complaints. They start charging me since XX/XX/2023 and up today, the product I had signed for still has not been delivered nor installed. I have my lawyer send an demand letter to Mosaic to make adjustment to the amount of products I have never received, but they ignore my lawyer 's demand letter as well. I should not be charged for service I have never received and the lending company has neglected to perform their due diligent to check with the customer before they send out payment. When customer contact them about the fraudulent documentation the service company provided to get themselves paid, Mosaic choose to continue ignore their due diligent to conduct investigation and continue to bill me for service I did not receive.
Product: Credit reporting

On XXXX, XXXX, and XXXX I disputed errors on my credit report to Experian ( the same ones over and over ) and they refused to remove inaccurate fileings on my report. They never sent me any information as to why, or proof that the debt is mine. The report that the sent me showed no findings, and gave me no information what so ever.
Product: Payday loan, title loan, or personal loan

I got a loan for {$470.00}. Now the company is saying I owe them XXXX  XXXX. They said the repayment would only be {$470.00} + XXXX XXXX in interest. Now they are saying I owe {$2000.00} & my installments are only paying {$2.00} towards the principal every payment. They representative said 1/2 of the {$130.00} payments was the principal & the other half was going to the interest. This was not the case.
Product: Payday loan, title loan, or personal loan

They are calling all the time and they are representing themselves by saying the officers are coming to get me. They have gone as far as to reach out to my wife 's ex-husband. They have contact folks we have no idea how they got the information and no they are threatening, my family and step- children. This needs to stop. I have spoke to them and let them know that due to COVID, I am currently unemployed and don't have the money. Even advise to just add to my credit. But, they continue even as late as XXXX and as early as XXXX they are calling. What can I do?
Product: Checking or savings account

I think someone used a card skimmer. I filed a compliant and the bank said the charges were authorized by me which they weren't someone literally used my card to by them. When I first filed a complaint the XX/XX/XXXX charges weren't there but now they are. I will be filing another complaint soon. 

XXXX are known as fraudulent charges so I don't know why it was said I authorized them. 

XX/XX/XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX # XXXX WITHDRWL XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I noticed the company XXXX XXXX on my credit report. I did not recognize the company so I disputed this account asking for the signed contract of when I allegedly began an account. I have requested this from the company as well XXXX XXXX and they refuse to give this information to me yet Experian continues to report the information as they verified this alleged account as accurate on my credit report. If XXXX XXXX refuses to provide me with a signed contract according to the FCRA, how can Experian confirm they are consistent with reporting this information as accurate on my credit reports? Obviously there are inconsistencies with the Account Number, Payment history grid, date opened, terms, payment status, date late reported, and Date of Last payment and activity. Numerous missing and deficient account aspects leave this reporting significantly questionable and invalid. This is certainly not compliant in its mandatory perfect Metro 2 format reporting. According to the Fair Credit laws and fair debt laws for Experian to mishandle this account in this manner is unlawful. 

I believe that Experian is not even looking at my letters using XXXX and totally ignoring my concerns as they are hurting my credit score with the lack of concern.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Resolution Needed : Discrepancies in Account Numbers and Reporting Dear Chase Bank Customer Service, I am writing to address a critical issue regarding discrepancies between my business accounts associated with Chase Bank. Specifically, there is a discrepancy between my business ink credit card account number and my other associated accounts. 

Details of the issue : My business ink credit card account number does not match the other accounts associated with Chase Bank. 
Despite previous assurances, a reversal fee was applied to my account without resolution of the underlying issue. 
Chase Bank committed to updating and faxing the correct information to the credit bureau to rectify the mistake. However, this has not been done despite several months passing since the initial notification. 
The local branch, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirmed the discrepancy but has been unable to resolve it, referring me back to customer service. 
This ongoing discrepancy is concerning as it has the potential to adversely impact my credit score due to incorrect reporting. It is imperative that Chase Bank takes immediate action to rectify this situation and submit the necessary corrections to the credit reporting agencies.

I kindly request that Chase Bank : Rectifies the discrepancy between my business ink credit card account number and other associated accounts.

Submits an error report to the credit reporting agency to prevent any negative impact on my credit score. 
Please acknowledge receipt of this message promptly and provide a timeline for resolution. I appreciate your urgent attention to this matter and expect a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and or my business On call XXXX services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX date of birth XX/XX/year> ss # XXXX Chase branch Dolly XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX phone # XXXX advised customer service the accounts do not reflect The goal is to fix my credit report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was reported 15 days late, even though I made the payment on time, and this is documented in my bank statements. 
There were clerical errors where my account was inaccurately flagged as overdue, but I provided evidence that no late payment was made, as shown in the attached payment confirmations. 
The inconsistency of payment dates across credit bureaus further demonstrates the inaccuracy and improper reporting of this account status. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am disputing the accuracy and validity of a collection account reported by Transworld Systems Inc on my credit report. I have compelling reasons to believe it is inaccurate and not linked to any debts or responsibilities on my part. Despite a thorough review of my credit report, I found this collection account, and I have no knowledge or records of any outstanding debt to the listed creditor. This discrepancy is troubling, with potential adverse effects on my financial standing and creditworthiness. I formally request Transworld Systems Inc to conduct a comprehensive investigation into the accuracy and validity of this collection account. I ask for the provision of documentation and evidence supporting the legitimacy of this debt, including the original creditor 's agreement, a detailed account statement, and any relevant information. I expect this matter to be handled with diligence and impartiality.