23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased a auto protection warranty that was supposed to cover my automobile for XXXX, in 2021. I have issues with my car when I attempt to use the warranty I am unable to get in contact with the company. The number has been disconnected, my credit card company is refusing to take on the issue to assist in resolving the in issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your attention in addressing the fraudulent items within my file resulting from an alleged fraudulent activity. However, there remain additional items requiring removal. This complaint serves as a formal request to rectify the inaccurate information present on my credit reports. Enclosed are my personal documents and FTC Report # XXXX for your review. Below, I have delineated the inaccurate information by bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, I respectfully urge the removal of these listed addresses from my claim. I request the immediate deletion of the aforementioned inaccurate addresses. Additionally, I request the issuance of a corrected copy of my credit profile to the address provided. Pursuant to Fair Credit Reporting Act Section 605B ( a ), you are obligated to remove any items opened without my knowledge, consent, or authority within four business days, upon receipt of ( 1 ) appropriate proof of consumer identity ; ( 2 ) an identity theft report ; ( 3 ) identification of the disputed information by the consumer; and ( 4 ) a statement from the consumer affirming that the information does not pertain to any transaction by the consumer. Thank you for your attention and cooperation.
Product: Debt collection

I WAS LIVING IN AN APARTMENT COMPLEX WHILE I WAS IN THE MILITARY IN 2009 WHEN I LEFT THE XXXX AND WAS LEAVING I WENT TO THE LEASING OFFICE AND I ASKED IS THERE ANYTHING I NEED TO SIGN OR ANYTHING ELSE AND THE LEASING LADY SAID LOOK AT THE SCREEN WHAT DOES IT SAY AND GET OUT OF MY OFFICE IN A RUDELY MANNER IVE BEEN BATTLING WITH HUNTER WARFIELD BECUASE I WAS AWARE PER THE LEASING MANAGER I OWE NOTHING ITS BEEN 7YRS AND YET I OWE A XXXX BALANCE AND NOBODY CAN GIVE ME THE CORRECT INFORMATION
Product: Checking or savings account

Customer of XXXX for 15 plus years. Recently became Citizens customer as a result of their merging. 

Currently have approximately {$31000.00} on deposit with Citizens. 

On XX/XX/XXXX I initiated transferring just under {$10000.00} more to Citizens from XXXX XXXX XXXX Bank. Citizens pulled the money but never credited to my accounts. Showed a pending completion date of putting money in our accounts in the year XXXX XX/XX/XXXX I called Citizens to work on correcting problem and subsequently close accounts. Spent HOURS on the phone XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX helped us revoke our authorization to transfer and got back all of our transferred funds ( just under {$10000.00} ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I called Citizens, emailed them AND sent a notarized letter requesting to close the accounts XX/XX/XXXX they initiated the process to close the accounts XX/XX/XXXX they closed our accounts totaling just over {$31000.00} As of XX/XX/XXXX, they still have not cut us a check for our money. Representative indicated that they are having troubles cutting checks and it is unknown when money will be returned to us
Product: Mortgage

the company that reported me has illegally reported my account, to credit bureau, late 30 and 60 days in XXXX and XXXX 2014.
Product: Debt collection

I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : CAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
CAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. 
I understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  company Debt collector. 

XXXX XXXX  ). Original creditor Account was settled!!
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX/XXXX  XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$0.00}, XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XXXX XXXX Owed : {$2400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00}, XXXX XXXX, * Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed through Experian multiple times, for unrecognizable accounts, incorrect spelling of my name, addresses that I've never lived at and incorrect accounts, Experian fails to provide me with any updates and reasons why after I dispute that the account was verified, I never receive a letter on how the account was verified, or any proof on how the account is verified. Also I will dispute with Experian, and they will delete the account but a week later the same account they deleted will be placed back on my credit report. I feel Experian is performing unfair practices by sending out letters stating why and how accounts is being verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called these companies to have all my inquiries removed because some one tried to apply for credit cards in my name and was not authorized to do so. Now these are listed as hard inquiries on my credit report with the 3 bureaus. None of the inquiries have been removed yet. XXXX XXXX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX, XXXX XXXX XXXX- Hard Inquiry- XXXX, XXXX XXXXt- Hard Inquiry- XXXX, XXXX AMEX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX XXXX- Hard Inquiry- XXXX
Product: Mortgage

My mortgage company change servicing company when that happened they stop taking our regular scheduled mortgage payment out I notitified them of that and then we trying to get back on track since then I have made XXXX mortgage payments and they only credited me for XXXX they have been very unhelpful and unapologetic and we still have n't got the situation corrected
Product: Student loan

I have student loan debt that is over {$110000.00}. My loans were transferred from XXXX to navient. I received a bill saying my payment was {$890.00} which I could n't afford. They said I could go into forbearance for 36 months if I could n't pay it. I thought it was my only option. I think at the time my loans were {$87000.00}. It grew exponentially. I had no idea there were income based repayment plans. They did n't mention that At all. Now I am drowning in debt and afraid I wo n't be about to take care of my family. In my opinion it was predatory lending practices. Also the XXXX program I attended offered false hope for gainful employment and the program has since been eliminated from XXXX programs. I was taken advantage of by the university and student loan programs
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX. XXXX XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I called XXXX XXXX  to have my monthly car payments withdrawn on the XXXX of every month starting XXXX-19 until further notice. I went away for my birthday week and expected my bills and car to be automatically withdrawn as I was assured and told by XXXX at XXXX that I was all set up and my automatic payments would start XXXX-19. I received my XX/XX/2019 bank statement from my personal bank and saw my car payment did not come out. I immediately called XXXX and was told they have been having computer issues and will fix my account. I paid them XXXX XXXX as they said I was 33 days behind. I paid up in advance. The next 3 days o received a notice from XXXX   that o was two payments late. I called XXXX to fix this and another women told me I had to dispute this issue. Well I did to all 3 credit bureaus, the following day. I had update to my payment and Iam current but the late charge for XX/XX/2019 was not my mistake. I have been paying two years and excellent payments. This has hurt my further as my credit score dropped and I have had my credit scores in the 700s for my hard work, me being responsible and me paying my bills on or before my due date.
Product: Credit reporting or other personal consumer reports

I sent a letter out XX/XX/2023 to Experian, XXXX and XXXX. Here are my certified mail return receipt tracking numbers. [ XXXX XXXX ], [ XXXX XXXX ], [ Experian-XXXX ] and I have attached a PDF with copies of the green certified mail return receipt card to this complaint. 
However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. 
I thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
In the letter I sent, the below accounts on my credit report were being disputed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts should be permanently deleted from my credit report. 
I have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. 
XXXX XXXX XXXX Experian-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX  SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.
Product: Debt collection

I moved over the XXXX & just noticed my credit score via XXXX XXXX went down XXXX XXXX after XXXX XXXX XXXX lowered one of my credit limits. I have NO delinquent debts and stellar credit - BEFORE this! The debt collector never contacted me EVER, as I have no phone records or mail from the debt collector ( RADIUS GLOBAL SOLUTIONS ). You can tell by my credit report that I've never been late on payments & take my credit seriously.
Product: Vehicle loan or lease

On XXXX XXXX XXXX  I settled the account and have not received the title to the vehicle, nor have I received the final paperwork closing out the account. On XX/XX/, I wrote again to resolve this matter, extending them three ( 3 ) additional business days to respond ; as of XX/XX/, the allotted time has now expired.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX  XXXX and placed on collection with XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and phone line account opened with XXXX XXXX on XX/XX/XXXX under the account number XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Here is a list of the hard inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of these credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

On XX/XX/XXXX Navient automatically put me in a forbearance which I did not request and did not have any knowledge l. On XX/XX/XXXX, my credit report went down 40 points due to interests capitalized to amount with the interest amount going up of {$300.00}. I requestsd to have my forbearance lifted off and add will pay my amount. Navient agent advised its too late since it's already been reported to credit companies and just pay the remainder balance and they will report PAID.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 XX/XX/year>, and XX/XX/year> 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 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

After I submitted my latest complaint against XXXX XXXX XXXX ( Complaint ID # XXXX ), XXXX XXXX XXXX pulled my file from Phoenix Financial Services. However, Phoenix Financial Services subsequently and immediately flagged my account with the credit bureaus. Additionally, Phoenix Financial Services marked my account as " charge off, '' in retaliation and retribution for my complaints against them. 

I attempted to resolve this issue with Phoenix Financial Services on the week of XX/XX/22 ; which yielded negative results ; because the representative on the phone disregarded my issue and stated.. " that's not our issue, and your file has been pulled from our office.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, the following account have violated my rights. 

XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - THESE ARE HARD INQUIRIES THAT I NEED TO HAVE REMOVED FROM MY CREDIT REPORT