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

XXXX XXXX XX/XX/XXXX {$1300.00} Connected the company demanding deletion cause it wasn't my account XXXX XXXX XXXX XXXX XX/XX/XXXX {$5000.00} Connected the company demanding deletion cause it wasn't my account and trying disputing XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} Connected the company demanding deletion cause it wasn't my account
Product: Credit reporting or other personal consumer reports

HIRE RIGHT IS REPORTING INCORRECT INFORMATION PERTAINING TO MY DRIVER HISTORY. THERE ARE MULTIPLE SPEEDING TICKETS AND SUSPENSION. THAT DO NOT BELONG TO ME. THIS HAS CAUSED ME TO NOT GAIN EMPLOYMENT. I SPOKE WITH SOMEONE AT HIRE RIGHT ON XX/XX/year> TO CORRECT THE INFORMATION AND I WAS TOLD IT COULD TAKE 30 DAYS FOR A DISPUTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint regarding my XXXX XXXX - partial account number XXXXXXXX wherein I am listed as an authorized user. ( Please see pages 9 and 10 of the attached credit report. ) This complaint was filed in error. I am wanting to continue to be an authorized user on this account. Please disregard the earlier complaint filed on XX/XX/2019.
Product: Credit card or prepaid card

Synchrony Bank is a company filtered in and obviously in lies. I had several accounts with them. They saw this, I was able to pay on time every month and pay off balances with no effort, but apparently they did not like this, so they instituted an universal shut down. I feel that XXXX played a part on my XXXXXXXX XXXX  and XXXX  and determining how they respond will determine if I go XXXX on them. My mid XXXX XXXX is XXXX and they have discriminated against me for the final time. I want compensation from them or I will SUE them and I will win. I have documented proof that XXXX exists and I am ready to call attorneys that will take them and their corporate attorneys down.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXXXXXXXXXX  Date of Inquiry XX/XX/2023, XXXX XXXX  XXXX of Inquiry XX/XX/2023, XXXX  XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023
Product: Student loan

I successfully discharged my XXXX XXXX XXXX  with Navient in 2016 when I became permanently XXXX and diagnosed with a rare XXXX. I was unaware about the major differences in the discharge process from Federal to Private loans and was fortunate enough to have my co-signers continue making payments because I could not and now I have been granted XXXX  due to blindness. I contacted Navient after receiving many types of billing statements and letters regarding one of the XXXX currently active being past due because my co-signer has had significant financial setbacks due to XXXX and can not afford to pay them. I submitted my proof of XXXX award letter from Social Security and was told that if I made a {$50.00} payment on the past due account it would place a forbearance on the account for a year I was also informed that it would no longer reflect it being past due even though it never showed an amount due other than XXXX.and my credit would recover from the massive hit it took when Navient started reporting it as past due. To my knowledge that has no happened. When I go to my account information it still shows as past due I am told but that no payment is currently due. My other 2 loans appear to be in good standing and one has been in forbearance for some time. I was also emailed by Navient recently that my forbearance will be ending soon. but then another email states that a new forbearance was just started. They are well aware of my medical and XXXX issues yet they confuse me by not doing what they say they will in addition to requiring even more documentation which is difficult since I am homebound and XXXX XXXX XXXX presently. Why is the official award letter from Social Security not sufficient enough rather than having to request from my XXXX and very detailed report regarding my XXXX and one that costs money to do and that is providing information that XXXX might find to be a violation of my medical records to people unknown? I am also preparing a malpractice lawsuit against the doctors that have made me XXXX XXXX XXXX  so it is questionable and uncomfortable to ask them to spend time filling out the details. I could discharge my Federal loans easier and faster than my private loans at a time when my life is in the balance and the stress over resolving these few loans have ruined my credit and caused me great XXXX  and hardship. I will attach statements confirming my complaint for review.
Product: Credit card or prepaid card

Bluebird American Express denied my fraud claim. There are six transactions totaling {$2900.00}. The transactions are as follow : Store Purchase XXXX*XXXX XXXX {$310.00} XX/XX/19 Store Purchase XXXX*XXXX XXXX {$620.00} XX/XX/19 Store Purchase XXXX*XXXX XXXX {$620.00} XX/XX/19 Store Purchase XXXX*XXXX. XXXX {$510.00} XX/XX/19 Store Purchase XXXX. XXXX {$510.00} XX/XX/19 Store Purchase XXXX. XXXX {$310.00} XX/XX/19 all from XXXX. 

I have called many times to Bluebird fraud department and asked for information about why my dispute was denied but they say they can't answer those questions over the phone. I have mailed them a letter to Bluebird Customer Care at XXXX. XXXX XXXX XXXX, GA XXXX for an explanation of why my dispute was declined and I still haven't received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts show on my credit report, I do not owe money to these companies I'm asking for immediate deletion Delete the XXXX account ( # XXXX, opened XX/XX/XXXX ). 
Delete the XXXX XXXXXXXX account ( # XXXX, opened XX/XX/XXXX ). 
Delete the XXXX account ( # XXXX opened XX/XX/XXXX ). 
Delete the XXXX account ( # XXXX, opened XX/XX/XXXX ) v
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made 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> 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 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: Vehicle loan or lease

I filed bankruptcy due to hardship and struggling to pay mortgage, car loan and back taxes plus various other debts. My attorney sent notice for Capital One Auto Finance and they submitted a proof of claim for the wrong vehicle. At the meeting of creditors, Upon review of the list of debts it was determined that Capital One Auto Finance submitted a Proof of Claim for a XXXX XXXXXXXX XXXX This was disputed in court and my attorney sent notice to Capital One that their claim had the wrong vehicle listed and to make corrections. The Proof of Claim should have been for a XXXX XXXX XXXX. There was no response of correction from Capital One. Since there was no response from Capital One, the debt was classified as Unsecured. During this 5 year payment schedule, Capital One collected payment of approximately {$14000.00} in unsecured payments under the original account number that was assigned to the XXXX XXXX XXXX for which I had been paying on since before filing Bankruptcy. I've since been notified that my Bankruptcy case has been closed due to completion of all scheduled payments. This led me to contact to Capital One about releasing my title but they could not pull up the loan account for my XXXX XXXX XXXX. The number we verified now shows a XXXX XXXX XXXX. I contacted my trustee to verify the account number and a case worker said that the XXXX was still attached to the account number. I asked the case worker to send me the Bill of sale the trustee office had on file. She was kind enough to send it and I discovered that the Bill of Sale was fake. It had my signature forged on the documents. That led me to believe that Capital One lost the original Bill of Sale that I signed and replaced it with a fraudulent Bill of Sale and forged my signature to it. They also added the original dealership info to this documents. Capital one has explained that they didn't have any information on the XXXX XXXX XXXX XXXX  My car ) on file and the account reflects that I owe {$10000.00} on a XXXX XXXX for which I have never owned or sign any agreements ( Bill of Sale ) on. I am confused and upset because the Tax Accessors in my state has verified that I am registered to a XXXX XXXX XXXX via the VIN # and that Capital One is the lien holder. I have been renewing my Tags all of these years with no issue. I also had them check the VIN # for that XXXX XXXX XXXX and The Department of Revenue has no information on it nor do that have me as the owner of one but the Bill of Sale shows the same dealership as the seller so it sounds like fraud for my name being forged on fraudulent documents and illegal consumer practices. I contacted my attorney and she explained that at this point, it's not a Bankruptcy issue and stated that the {$10000.00} was interest since Capital One didn't secure the debt. Only the principle can be paid unsecured but I am not obligated to pay on a contract I never signed. They've lost the contract and replaced it with fraudulent documents and using unfair tactics to collect on a debt by intentionally not responding to the courts and not providing true and accurate documents. The deceptions are unfair and unlawful.
Product: Credit reporting or other personal consumer reports

The following accounts are reporting erroneously on my credit, I have already contacted the bureaus and started formal complaints but so far I these items have not come off my credit. The accounts are as follows : 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
Product: Credit reporting or other personal consumer reports

I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues.
Product: Student loan

The IRS put the owed amount of a private loan on to my tax return to be paid back as a return. 
The school refuses to release my XXXX degree until the loan is paid. 
The guarunteed loan service refused to pay for my final semester to graduate and so I had to take out a private loan. 
Over {$XXXX} has been added to what was borrowed since the loan was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting one fios number on experian site and another fios number to a credit co. 
FALSE REPORTING
Product: Debt collection

They obtained my information illegally and without my authorized consent. That's a violation of my right to privacy, also they are reporting false information to the credit bureau without my consent, I will be filing suit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested online my free credit report from Transunion and was charged {$19.00} for a report that is, by law, supposed to be free. I want my money back. I am not able to get a hold of any service representatives on their Customer Support services. There is no way of actually talking to a human being.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Equifax removed all of my credit cards off file which dropped my score XXXX points. I still currently use the card so I dont know why they were removed. I believe it was from A representative that made a mistake. I need my score back. I have done nothing too have my score drop.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate reporting information with Experian. 
I have a account that's being reported two different information with XXXX XXXX XXXX. 
See Attached Documents - XXXX XXXX XXXX reported on the same dang day and time. According to the reporting date. To XXXX and Experian from the same department. The system or person reported to Experian " Paid/ Paying as Agreed " as it should have. 
Now this same system reported to XXXX " Paid/ Was 30 days past due date ". This is from said same system and person. 
Then we get down to the payment History. Again XXXX has ( OK ) for the XX/XX/2021 payment box. 
Now we stroll up a bit, we noticed that Experian has ( 30 ) as in 30 days past due. 

This is wrong and I need someone to help me get this corrected. This two timing information is against the law. This company should be investigated for unfair, inaccurate, and incorrect information. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company working under the name of attorney XXXX XXXX contacted my niece and my ex-wife seeking information about my location which they already had because they had texted me hundred different name several times and I had not responded as originally known number and name. The indicated to my niece and to my ex-wife that this was a criminal case it already been filed in XXXX XXXX. Both of these things are untrue. The case number that was provided to my relatives was simply my file number but was represented as a court case filing. 
When I did call the number that was provided I was directed through a large answering service to a secondary service where the individual would not identify the name of the company only that they held a debt that was payable admit I had a choice of them submitting papers for his summary judgment order of setting up a time payment for the debt. 
I asked that all papers be emailed to me that I could actually read them. This was resisted by the woman on the phone did not give me your name nor direct line so that if we were disconnected I would be able to to call back. 
She promised to provide the paperwork with in one via email. I have not received any documentation from them 24 hours later.

I was not informed they were debt collection company.

I was not informed that the conversation was being recorded. 
I was not informed that they were asking for this information in order to recover the debt. 
I was not given the opportunity to dispute the debt. 
I was pressured to provide financial information submitted they could begin payments immediately.
Product: Credit reporting or other personal consumer reports

First and foremost, I assert that my right to privacy is of utmost importance. This dispute letter serves as my enforcement of that right. Under 15 U.S. Code 1681 ( a ) ( 4 ), you bear the full responsibility to " exercise your significant duties with fairness, impartiality, and a respect for the consumers right to privacy. '' I am invoking this right as outlined by the code. Please ensure the following information is treated with the highest level of fairness, impartiality, and respect for my privacy.

In accordance with 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized this company to access my information. They are in clear violation of this law. I request that these accounts be removed from my credit report as they are damaging my reputation, character, creditworthiness, credit standing, credit capacity, and more. Given your obligation to protect my privacy, I require that this issue be addressed with the utmost urgency. 

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

Few months ago, I had discovered that I was a victim of identity theft. I discovered that someone unknown to me had used my personal information to open an account with Elan Financial. As soon as i find out about this account i did file an identity theft report and i sent a copy to elan financial and sent copies to all three major credit reporting agencies. i requested from elan financial that comply with my request in the following matter, Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report I also requested that do the following.

Stop reporting false information about this debt to credit reporting companies Provide me with the records I requested.

As of today, I have not received no documents supporting the information they are reporting to the credit bureaus. Which is damaging my benefits that i can have with good credit. If you look at my credit report not only you will see excellent credit history for over twenty years you will also see the high limit credit card not XXXX dollars that the are reporting falsely under my name. today i checked my credit report my credit score dropped XXXX points and they reported false information that i made partial payment with no evidence to the credit bureaus and me.
Product: Debt collection

On XX/XX/19 at approx. XXXX PST, I, XXXX XXXX XXXX called Capio Partners in an attempt to settle the account # XXXX ( Ref # XXXX, XXXX XXXX, Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After my personal data confirming information, the girl on the phone didn't accept my offer for XXXX, as I informed her I had been ill and could not pay the full amount. She said they may take XXXX  %. I requested this in writing with a Pay to Delete Settlement in writing. She emphatically informed me in no uncertain terms that my request for a Pay to Delete Settlement notice in writing for an agreed amount would NOT be sent out prior to the account FIRST being paid. When I was confirming that she was denying this process, she got snotty and here tone got very nasty. I asked again, for personal clarification, that she was denying me this process. I asked her if she knew the law. She said she was then confusing herself but they would NOT send me this notice in writing prior to me first paying the debt. I advised her I was informed this was exactly what I needed to do PRIOR to paying any verbal agreement. She became very rude and hung up on me! Are you kidding me? I am trying to settle a debt from a hospital! 

I will contacting legal advice next. This event was rather disturbing. VERY DISTURBING!! This is abusive. I am XXXX XXXX XXXX. Shameful!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding the items listed on my credit report that violate my rights under 15 USC 1681 and the Fair Credit Reporting Act. As a natural person, I have the right to privacy and confidentiality, and I have not given permission to the consumer reporting agencies to furnish the accounts listed below.

According to 15 USC 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may include any adverse item of information in a consumer report that is more than seven years old, except for records of convictions of crimes.

Furthermore, 15 USC. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any inaccurate information relating to a consumer to any consumer reporting agency.

The following inquiries listed below are fraudulent and have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : EXPERIAN XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX Experian I demand that these accounts be deleted immediately in accordance with the Fair Credit Reporting Act. I have contacted the companies responsible for these inquiries, and they have provided no proof that I have authorized these inquiries or that they have a permissible purpose. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received a promotional offer for {$200.00} statement credit if I applied for Barclays MasterCard through Carnival cruise lines. I had trouble on website and called Barclays and Carnival on XX/XX/XXXX. They confirmed that they were having issues with connection. I completed transaction and woman told me shed Rush  card at no charge. I received card on XX/XX/XXXX and contacted Carnival to switch balance as I was instructed by Barclays representative to receive statement credit. I made purchase within 90 days as explained to receive credit. I called Barclays back on XX/XX/XXXX to advise I didnt receive credit. Spoke with supervisor XXXX operator # XXXX which I think she lied. She refused to give statement credit as promised and also refused to play tapes back of my conversation when I asked. She flat out said theyre not going to play the call back. I told her then why record conversations for quality assurance. I told her that I was told Id receive the {$200.00} statement credit as long as I made purchase within 90 days even if purchase was a dollar. I was told Id receive points on XX/XX/XXXX when my statement closes. I explained that this is not what promotion was that its supposed to be statement credit. She again said about points and I ended my call. Dont trust Barclays!!!!!