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

According to 15 USC 6802-6805, 16 CFR 433.2, 16CFR 433.3 and 16 CFR 313.7 I haven't received an oped out request and I have the right to oped out and request to be oped out. Under the terms and conditions and privacy notice of dept of ed/XXXX  as well as XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX it states that these companies dont provide my information to non affiliates like XXXX, Transunion XXXX XXXX XXXXXXXX and XXXX which are all third party companies. Proof of claim is my XXXX XXXX XXXX report. The Educational and Privacy Act of 1974 also states that my school wasn't suppose to provide transaction history to any third party companies. Dept of educationXXXX violated my rights which financially and emotionally damaged me. Also on 15 USC 1681, the certificate of indebtness is income and must be removed. Under the fair credit report act page 10, it shows that these companies violated my privacy. Also 5 USC 522A, They are NOT to give my social security number out. Lastly promotional inquiries are also a violation. By law, I am suppose to be compensated {$1000.00} per violation. 17 CFR 424 shows proof that these companies committed language fraud and solicitation because under these companies XXXX and XXXX reports, it clearly states that they will NOT conduct solicitation.
Product: Credit card

I have a XXXX XXXX store card. In XX/XX/XXXX, I used a promo to finance a fence on my property. The total charge was about XXXX, and I signed an agreement of XXXX interest that would not accrue until after 24 months. 

By XX/XX/XXXX, the remaining balance was XXXX and XXXX Bank added a transaction of XXXX for interest. From a sheer math standpoint, that number makes no sense even if I had agreed to interest accruing from the beginning which I did not. 

I asked for the contract and the employees say they do not have it and are not required to keep such documents. I disputed the entirety of my statement and demand proof of it. 

I also called and spoke with a representative and a supervisor ( who laughed and hung up on me ) and while they agreed to extend the time 60 days, they will not remove the interest in the meantime. I will not make a payment until that interest is removed as I do not agree that I owe the interest and I will take no step that might be construed as agreeing to the debt.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$210.00} XXXXXXXX   XXXX  {$380.00} XXXXXXXX   XXXX {$1100.00} XXXXXXXX   XXXX {$3500.00} XXXX XXXX {$220.00} XXXXXXXX  XXXX {$3000.00} XXXX {$220.00} XXXX  XXXX {$160.00} XXXX XXXX XXXX {$1200.00} XXXX   XXXX {$1700.00} XXXX XXXX {$12000.00} CHAPTER XXXX BANKRUPTCY DISMISSED HAPTER XXXX BANKRUPTCY DISMISSED CHAPTER XXXXXXXXBANKRUPTCYDISSMISSED CHAPTERXXXXBANKRUPTCY DISSMISSED
Product: Debt collection

I recently received a notice alert from the credit bureaus that a collection was added to my credit report. I called XXXX XXXX and they informed me it was for a repossessed car, the issue is i have never had a vehicle repossessed or a collection before. They informed me that this was from a loan with Santander opened on XX/XX/XXXX and closed XX/XX/XXXX, a few issues with this 1. Never mine and this was a result of ID theft i have attached the FTC affidavit and Police report 2. This was reported to credit but i was never given a notice or dunning letter to dispute before placing on credit. 3. If this debt is in fact a valid debt this is past statute of limitations of 6 years from last payment date again making not a valid account for collections.
Product: Debt collection

I checked my credit report to find several debts that I never even heard of. Contacted them to verify the alleged debt. I sent a letter stating I checked my credit report and they were on there as a derogatory mark. I wrote them and asked for proof of how they came to have this alleged debt. what they sent me was nothing I asked for to properly verify this alleged debt. After my own research, I am fully under the impression they are a scam company after reading reviews from ex-employees on XXXX and other victims of this company. I would also like to make a point that after sending these letters to the company and demanding they send me real and legitimate proof, I have also been receiving calls from " XXXX XXXX XXXX '' saying I signed up for them, also a lie. I speculate that since they couldn't scam me into paying for a debt that was not mine they started using a third-party company to further harass me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Credit Reporting Companies, XXXX XXXX XXXX is inaccurately reporting that this account has late payments. I noticed on a previous statement that they have a person named XXXX also with the same account number listed on my same statement. This is the source of the problem. My name is XXXX XXXX XXXX XXXX and I have never missed a payment and paid that account off a long time ago. They even have the wrong name on the statement. Its very strange what they have done.They have my account confused with as much as two different people! I spoke with the manager there and they have agreed multiple times to delete this account or update it to never late as it should be. However now they keep avoiding me and telling me the manager is out and that he will call me. They never all and are clearly dishonest and shady people who know they are not complaint and are choosing the not acknowledge the error and keep reporting to the credit reporting companies that the status they report is accurate. See the attached document it proves there is great confusion within their system and that it should not be trusted. You all are required to comply with FCRA and FDCPA and delete this account immediately since its clear there is obvious identity theft and unfair reporting practices by this data furnisher or creditor. This account is causing severe impact to my financial, and work life. My health and family life is greatly impacted. It is very inhumane to and down right wicked to be so callus and apathetic about this issue. I should not have to ask again. Please delete this account and keep it off my report.It is a lie to report this as verified! This is preventing me from getting lifesaving medical treatment! I am going to make this public. I could potentially die because this company won't comply with FCRA and FDCPA laws and delete this account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. Remove XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I spoke directly with XXXX XXXX and discovered that I had a collection out against me so I paid it right then and there. I spoke with the customer service lady and signed up for a payment plan to prevent any further issues. She stated that they report the information every couple of weeks to the debt collector so they can remove it from my credit report. I then went back to make a current monthly payment and expressed to her that it was still on my credit score and she suggested I wait a couple more weeks. It has now been several months. I disputed the information on my credit report and they are refusing to remove the debt. It is still showing on there as well as XXXX XXXX  whom I have spoken with directly and they also are not valid collections. I would like to see these removed as soon as possible please. Thank you The company is Credit Systems Inc XXXX XXXX XXXX XXXX MT XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Product: Debt collection

I just received a letter from XXXX XXXX XXXX about a Gym membership collection from XXXX XXXX XXXX in XXXXXXXX XXXXXXXX XXXX  I had cancelled the gym membership with the company, and they continued to charge me for the gym membership. 


XXXX XXXX XXXX XX/XX/2020, XXXX XXXX  to XXXX XXXX, I wanted to cancel my membership as I am moving to XXXX, also I noticed I was charged XXXX for XXXX, can you explain that charge, and help me cancel my membership. Thanks! 

-- XXXX  XXXX XXXX Teacher | XXXX  Coach " Relentlessly pursue your goals '' XXXX XXXX XXXX Wed, XX/XX/2020, XXXX XXXX to me Hey XXXX, The additional $ 40+ is the annual fee. It is a charge that everyone pays, two months after joining the gym. 

As for the cancellation, I will pass your info off to the membership advisors to process. Generally, there is a 30-day cancellation policy if youre on the month to month agreement, so you may have to pay for one more month. 

I hope you have safe travels, and thanks for checking out XXXX XXXX. 

Regards, -- XXXX XXXX XXXX  XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Cell : XXXX My message a received from the employee, then they continued to charge me for the next few months when I had cancelled this membership. I had moved and was not going to use the gym after I signed up for a monthly membership. This debt is fraudulent, and should not be reflected on my credit!
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 15 USC 1681. 

Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX & XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 card or prepaid card

Back in XXXX of 2019 I had left for a work trip to XXXX and XXXX for a month and a half. Upon my return to the United States in early XXXX, I found a number of urgent alerts from my credit monitoring company, XXXX. The alert messages made it immediately clear that I had been a victim of identity theft. I soon realized that my once perfect credit score had plummeted, all of my accounts that never had a late or missed payment were closed, and worst of all I no longer had access to my accounts as the person who committed the fraud changed all of the contact information. 

I immediately called to report the charges and any new fraudulent accounts to the appropriate banks. Getting access returned to me was nearly impossible. As of today, I have been able to restore the contact information with help from a Credit Bureau Dispute but still do not have access to statements and account status has been so restricted I can not even make payments for money that I might owe. 

I've made little progress since reporting the fraud. Three out of four banks have not restored my access to the account, all accounts remain closed, all accounts still have fraudulent charges and are accruing interest on the fraudulent charges. Collections agents have harassed and threatened me, and fraudulent charges have been added to my credit report. 

All of the banks have told me I am responsible for all of the fraud charges despite a police report that details what happened and the arrest of the individual who did it, letters from my attorney, and documentation showing I was out of the country. As of XXXX 2019 all of these banks were still making contact with the fraudulent user even after I reported the fraud. I have been unable to get access to statements while the banks themselves were making calls to the wrong person. Fraudulent activity was reported in a timely manner and well within the time allotted by federal law. 

All of the notes on my accounts regarding the issue are no longer there, there is no record of the documentation I sent in to the banks despite my attorney receiving confirmation from mail carrier and tracking number that letters were signed off for upon delivery.
Product: Bank account or service

I was in XXXX My " debit '' card that I use for ATM purposes was compromised and I was defrauded of about {$2000.00} This international bank does not have a telephone or sms service to alert to a fraud, but they send out an email since it 's a debit card. 

With time difference and my travels for XXXX, I missed the email and was defrauded of about {$2000.00} The bank maintains that since it 's a debit card, I am responsible for the loss even though I explained to them that fraud occurred before its alert email. and once, I had called them in response to the alert, no further fraud took place. 

For a credit card abuse and theft, there is a complete protection. Why do n't banks offer similar protection for the debit cards when they issue them in the first place
Product: Mortgage

The company Freedom Mortgage changed the payment invoice to include property tax 's and insurance with out my knowledge. The payment went from {$1800.00} to {$2900.00} dollars a month. There was never an impound account at the time the loan was originated. I can not afford this monthly mortgage increase. The house is in forbearance and they are adding this amount to the forbearance account. This was all done without my consent.
Product: Debt collection

I had a financial emergency and took out an online payment with this company sometime in XXXX i paid off the loan and then re loaned and then had a medical issue and was off of work for a period of time and unable to pay, i sent several messages requested a payment plan and was denied a feasible plan that worked for me, so I then sent a letter to revoke ACH payments being taken out of my account.. on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in had email conversations with someone named XXXX again with no resolution. 
Today XXXX, my mother and ex husband both reached out to me that someone named XXXX XXXX from XXXX XXXX was calling regarding a complaint I filed and inquiring about my address and personal information. this person mislead the callers was mischievous and malicious about getting my personal information, this person was very unprofessional when I called back was in fact laughing when i told him how he went about reaching me was unprofessional. I am very upset. when asked about company information he was hesitant and then provided the business address as XXXX XXXX XXXX XXXX, New York. XXXX
Product: Credit reporting or other personal consumer reports

I have sent a number of disputes pertaining to fraudulent and unauthorized accounts on my credit profile. I sent out disputes on dates XX/XX/year>, XX/XX/year>, XX/XX/year> XX/XX/year> and XX/XX/year> without any correction to the fraudulent/inaccurate accounts. The fraudulent accounts that I am referencing consists of the following : XXXX  XXXX ; XXXX XXXX XXXX : XXXX ; XXXX & XXXX XXXX, XXXX balance : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 lates on my XXXX XXXX dated back XX/XX/XXXX. I was a victim of identity theft in which my accounts were compromised, as a result, I had to close them down. A police report was filed. 

XXXX refused to remove the lates of my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request to Investigate and Remove Inaccurate Late Payments on US DEPT ED Account Dear CFPB, I am submitting this complaint to address the inaccurate late payments reported on my US Department of Education ( US DEPT ED ) account as reflected on my credit report. These inaccuracies are not only misleading but also a violation of my rights under federal consumer protection laws.

Nature of the Complaint : Inaccurate Late Payment History : The late payments listed for XX/XX/XXXX through XX/XX/XXXX are erroneous. The account was in deferment status during this period, and no payments were due. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting breaches the FCRA ( 15 USC 1681i and 1681s-2 ), which mandates that credit reporting agencies maintain and report accurate information.

Improper Account Status : The account is listed as " Late 120 Days, '' a designation that is entirely inconsistent with its documented deferment status. 
Failure to Correct Errors : Despite the deferment being evident, no correction has been made to the account, highlighting a failure to adhere to responsibilities under 15 USC 1681s-2 ( a ) ( 2 ). 
Account Details : Account Number : XXXX High Balance : {$2300.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Payment Status : Late 120 Days Reported Late Payments : XX/XX/XXXX XX/XX/XXXX Requested Resolution : I am requesting a thorough investigation of this matter and the immediate removal of all inaccurate entries associated with the above account. Please provide written confirmation of the changes made within 30 days. If this matter is not resolved, I will escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ) and seek legal recourse if necessary. 
Sincerely, XXXX XXXX
Product: Credit card

My credit card charged me interest but according to the statement I should not have paid interest. See below : Per my statement below is how the interest should be charged : Avoiding Interest on Purchases ( Grace Period ) : If you have both Purchase balances with an APR greater than 0 % and you also have other promotional balances on your Account, you can avoid paying interest on your Purchases by paying {$4700.00} ( this amount includes any Minimum Payment Due required to avoid a late fee ). Please refer to the " Accrual of Interest and How to Avoid Paying Interest on Purchases '' paragraph on the back of this Statement for further detail. 
Per the back of my statement as reference above : B. If you have Purchase balances with an APR that is greater than 0 %, and you also have other types of promotional balances on your account, you still may be able to avoid paying interest on those balances without paying your Statement Balance in full. If this applies to your Account, you will see a Paragraph titled " Avoiding Interest on Purchases ( Grace Period ) '' appearing directly below the Interest Charge Calculation section on the front of this Statement. This will show the amount you can pay by the Payment Due Date and still avoid interest charges on your Purchase balances. 

I followed these terms and paid the amount in full by the due date of XXXX/XXXX/15 but they still charged me {$65.00} interest. Their response to my inquiry was that since the balance was for a promotional offer that ended on XXXX/XXXX/15, there is no grace period and interest started accruing on XXXX/XXXX/15. If that is the case it should be clearly identified as due XXXX/XXXX/15 to avoid interest on the statement. The statement is misleading at best and they should not print this on the statement if it is incorrect. Had I known there was no grace period I would have paid by XXXX/XXXX/15.