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

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in removing the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. XXXX FIN XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8500.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$260.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$260.00}, ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00}, XXXX XXXX XXXX Balance XXXX {$0.00}
Product: Credit card or prepaid card

I responded to an offer from Bank of America for its "Travel Rewards" card.  The offer included 0% interest for 12 months.  Prior to accepting this offer I had never had a BofA credit card of any kind.  I made my first transaction on XX/XX/XXXX.  My statement clearly reads "promotional APR 0% until XX/XX/XXXX."  On each of my last two monthly statements I have been charged interest on an outstanding balance.  I have twice contacted BofA to remove these charges and stop making further charges.  So far to no avail.I would like CFPB to intervene on my behalf.I suggest that CFPB detremine if this is a widespread problem.  I am sure that many people - especially those used to carrying balances on credit cards - could fall victim to these incorrect interest charges  without even knowing it.  Recent history, e.g., XX/XX/XXXX, suggests that large banks sometimes try to charge their customers for things customers never agreed to.
Product: Debt collection

Received notification of a collection account through XXXX Credit report. I am not familiar with the collection agency, Midland Credit Management. I was advised by an XXXX  Specialist that the collection agency has XXXX as the original creditor. I have never opened an account with XXXX. 

In XX/XX/year>, I noticed XXXX appeared on my XXXX Credit report. I contacted XXXX 's Fraud dept, and it was determined it was not me. XXXX was removed from my XXXX Credit report. 

Midland Credit Management 's information from my XXXX credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report 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 also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
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 Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in 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

I 've disputed several inaccurate and invalidated information on my Experian credit files that are regarding student loan accounts. For XXXX, these accounts are older than XXXX years old and they are currently being reported as in chapter XXXX bankruptcy which is incorrect. I 've written these companies and requested validation of information as well as filed a complaint with a student loan ombudsman regarding the reports. I do n't believe that Experian validated this information by receiving competent documentation that these accounts are accurate and being reported accurately.
Product: Student loan

Navient can be summed up in a few words. Greedy and unhelpful. I currently make a majority of my payments and Navient has terrible customer service. For someone who is in sales, this is not how you treat customers. 

1. Constant calls to me and my co-singer ( Mother/Father ) for no reason and you do n't leave a message. Not to mention you come up blocked. 
2. Every time there is an issue you could call someone and then call back and get a completely different answer. No communication, I have had more frustrating calls then satisfied calls. 
3. Income-Based Repayment plan is absurd. You only take my salary into account, not any other debt ( living/bills/car payment/federal loans. That takes up more than XXXX my paycheck. Living expenses like eating and gym memebership. Gas and commute money ... All factor into my income. 
4. This is the most sensitive one. My parents are on the verge of retiring and are co-signers on my loans. I was told by multiple Navient employees that if I made " Two full years of payments '' my parents could be requested to come off the loan. I came thru on my part making 24 months of payments ( around {$850.00} ) a month. I was excited so I told my parents and they were ecstatic because they want to refinance and sell their house. But nope this company denies my request after I clearly met all the requirements. Because I owe them too much ... Mind you I just got a 25 % pay increase last year. They are impossible to work with. 
5. They never ever contact me to tell me I must submit a new XXXX tax form to see how much I made, putting my loans into late payment and causing interest to build. 
6. Some of my interest rates are 10 %, 11 %, and 12 %. How am I supposed to pay them back quickly with that rate? 

In conclusion I am just done with this company and am looking to refinance my loans with a private bank. I do n't mind paying for my debt knowing I got a great education. Why am I being punished or bettering myself with higher education? America needs a wake up call. Imagine if all of my fellow slaves to Navient could contribute the {$1000.00} a month we pay in Student Loans, imagine the boom in our economy. I would like to file a lawsuit against this company for negligence. They have failed to help me get a handle on this debt.
Product: Debt collection

According to The Gramm-Leach Bliley Act seeks to protect consumer financial privacy and nonpublic personal information which Bank of America is invading my privacy and nonpublic personal information. According to the Gramm-Leach Bliley act I the consumer have the right to opt-out ( which Bank of America NEVER disclosed to me that I have the right to do so ) if I don't want my information shared with certain nonaffiliated 3rd parties. Im exercising my rights to opt-out not to allow Bank of America to have or distribute my Nonpublic personal information. in attachment this is all included in ( NPI )
Product: Vehicle loan or lease

XX/XX/XXXX I went to a dealership in XXXX, CA. Got a auto loan from Lobel Financial. The car was priced at XXXX. A XXXX XXXX XXXXXXXX. I gave him {$5000.00} ( cash ) upfront down payment. A week later the car transmission went out. I had the XXXX XXXX warranty which only covered XXXX credit. So I was left to pay XXXX out of pocket and the car later had another problem with XXXX and I was unable to use car for transportation to get to work which led to lack of payments for auto loan and the car was repossessed in XX/XX/XXXX. I felt cheated and robbed because I was making payments monthly while the car was of commission in the shop also having problems with car a week after I got off the lot.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent paperwork to the credit burueas and I have not received a response nor any follow-up. The tracking number shows it was delivered. So now you MUST DELETE ALL ACCOUNTS MENTIONED due to intentionally not processing my disputes. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA you have 30 days to respond to my disputes. We are well past 30 days!!!! So immediately remove them. I expect a response within 4 business days with copy of the deletions and removals. Thank you. My attorney is forwarded on this complaint
Product: Credit reporting or other personal consumer reports

In reference to report # XXXX submitted on XXXX XX/XX/XXXX, Transunion states that they did not open an investigation and do not intend to. XXXX from XXXX XXXX department states they only collect info from the consumer to prevent it from happening again to other consumers. I requested documents and was again told no they would not send them, I needed to request them after I sued the XXXX XXXX XXXX and a judge would ensure that I got them. A document from XXXX XXXX  XXXX ( a company who helps trafficked victims with their credit ) has also been victimized by XXXX XXXX. I contacted the company and spoke with the XXXX XXXX XXXX on XX/XX/XXXX ( XXXX ) XXXX and she stated that they have been receiving complaints and have been trying to track down the person responsible for using their logo, business name and submitting erroneous documents on her company 's behalf. XXXX XXXX XXXX offered to send a letter via email to Transunion to state the previous document submitted DID NOT come from their company and that it was indeed fraud. Transunion refused to accept the letter and told me that the letter was not necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquiry on my report. Therefore, I have come to you, the credit reporting agencies to resolve this issue. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this inquiry is being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file : this item above should be removed from my report immediately. Please note : XXXX XXXX XXXX XXXX I have included in this package a copy of my driver license, copy of proof of address, copy of my SSN, FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit reports   (  XXXX ,  XXXX , and  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all   XXXX   credit bureau agencies because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
Product: Credit card

I opened a credit card with Home Depot. I did not get a bill, so I had called them. At that point they assessed a {$35.00} late fee. I paid the bill in full for my purchase, which they have confirmed, but then they added another fee of {$35.00}, beginning back in XXXX of 2015. They keep adding a fee each month even though it is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XXXX, I have an adverse account with Amcol Systems Inc with a partial account number XXXX**** at XXXX XXXX XXXX, XXXX , SC XXXX XXXX. This file shows a collection for {$150.00} as Medical in XXXX of 2015. This information does not show up on any other credit bureau repository. I have never been contacted by anyone about this matter nor does this have anything to do with me. 

This collection is negatively impacting my credit score. I don't check my credit reports very often as I have a " Freeze '' on my account. I decided to get a copy of my report, this year, as a check and to clean up any erroneous information. I found this addition when I received my report. 

Credit Reporting agencies bare a responsibility to notify consumers when negative information is being added to their file so that both sides of the story are reflected. Unfortunately, credit repositories, like XXXX, simply add negative information to a consumer 's file without contacting the consumer. This has been a part of my file since 2015, without my knowledge. Yes, I should have been more attentive in checking my file ( s ) yet the credit bureau repositories are a profit oriented businesses and should be involved in investigating adverse reports. I also think the that there should be a minimum dollar amount, say {$500.00} or {$1000.00} that can be reported as even a {$10.00} collection will have negative consequences. 

While I should have contacted XXXX about this, first, I believe there are other consumers who have had a similar experience. Furthermore, I don't think I should have to prove my innocence vs a creditor/credit reporting agency proving that a consumer owes money. There has to be a minimum amount owed and a minimum amount of effort spent trying to collect before a request is made to add adverse information. At the very least, making sure that adverse information belongs to the correct consumer. 

This isn't the first time this has happened to me. The reporting agency removed incorrect information from my file, once contacted, yet there is no way to quantify the damage done while the incorrect information was part of my file nor did the reporting agency add comment about the erroneous information removed and how it got there.
Product: Credit reporting or other personal consumer reports

I have multiple inquiries on my Transunion account that are not connected to an open account on my credit report. These hard inquiries are unauthorized and inaccurate due to the fact I had no knowledge of them and did not apply to obtain credit or financing.
Product: Debt collection

Went to court made arrangements to pay {$40.00} a month {$20.00} for my debt {$20.00} for my wife 's debt. Have made payments with that arrangement since XXXX. Have requested that a statement with what we owed be mailed to me preferably with a breakdown of the debt because they have it all lumped together as one and we was wanting to try to pay off what we could as we could and wanted to verify we was not double paying any of the medical debt. We have requested this information several times and have always made sure that our address and phone number were updated and correct. Today XX/XX/XXXX of XXXX we received court summons saying that our wages were to be garnished that they sent orders of interrogatories to both of our employers. We have been making our arranged payments and they have not supplied the paperwork we have requested they have our information and have not tried to contact us as to any problems they decided to break our arrangement and go for a garnishment without us being aware of any problems. They did not contact us at all about the situation or say anything when we would call to make payments or request information I have bank statements and a copy of our agreement
Product: Debt collection

I missed one payment for the first time in my length of credit. In doing this I was working with my bank to figure out the best solution for some type of balance transfer. I was doing this because when making my monthly payment, it was only covering the interest not deducting anything else from account. After missing one payment I was getting phone calls from Discover once to twice a day and on weekends. I feel I was being harassed after one missed payment. I talked to 3 different people on the phone and no one could give me a clear answer about taking interest off if a payment was made. Could not also get an exact amount for what was owed on the card to do a total payoff. The bank ran my credit score for a balance transfer to their credit card. I'm dealing with all this in XXXX month my credit scored dropped over XXXX points and cost me a denial of a personal loan. I feel like this is terrible business practice and felt I got mistreated as a valued customer who has had this credit card for years and missed one payment.
Product: Debt collection

I am submitting a formal dispute regarding an inaccurate debt listing on my credit report. The alleged debt has already been fully satisfied with the original creditor, and no outstanding balance is owed. Despite my payment, this account remains on my credit file. 

I have previously requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ). However, no substantiating documentation has been provided to demonstrate that the debt remains unpaid. Proper validation would confirm that this account was settled in full with the original creditor, and any further reporting is both inaccurate and potentially misleading. 

I request the immediate removal of this account from my credit report to correct this error. Thank you for your prompt attention to this matter.
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 XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX  XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account Name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX  Account number : XXXX, & Account name : XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 1 ) Date of last activity is different across all three credit bureaus. 
2 ) Balance is different across all three credit bureaus. 
3 ) This account was settled on XXXX XXXX. 
4 ) This account still reported XXXX to start over date of last activity. 
XXXX XXXX 1 ) Still showing a balance across all three credit bureaus. 
2 ) Credit bureaus is still showing XXXX XXXXo change date of last activity. 
3 ) Account was settled in full on XX/XX/2022.