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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ATTN CFO NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, I recently received my XXXX, XXXX, and XXXX consumer reports and noticed that my experience with your company is being reported. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( UTILIZATION ) on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your Company Is In Clear Violation Of The Law. Pursuant to 15 U.S.C. 1681.2 ( A ) ( i ).

- EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- ( A ) subject to section 1681-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or experiences between the consumer me XXXX XXXX and you XXXX XXXX XXXX XXXX XXXX XXXX XXXX JP Morgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are Making the report is NOT TO BE INCLUDED on my Consumer report. 

Utilization is an experience with the line of credit that was extended between the consumer me, XXXX XXXX and you XXXX XXXX, JP Morgan Chase Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is making the report. CONGRESS clearly states that the report of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. 

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( utilization ) on my consumer report which CONGRESS clearly states IS NOT INCLUDED on my CONSUMER REPORTS.
Product: Student loan

I am a XXXX school graduate and my student loans are serviced through navient. I have been in deferment many times for very long periods of time. I have tried to lower monthly payments unsuccessfully. My options are usually higher monthly payments then what i am already paying. There have been times where my loan is past due and instead of a phone call or letter i get an email that says reply yes to enter payments into deferment. That is a quick solution but interest is still acruing.
Product: Credit card or prepaid card

XX/XX/XXXX the irs deposited XXXX dollars stimulus payment onto a prepaid american express serve card that i had no clue about. I thought the funds wered deposited into a closed bank account. I put a payment trace on the XXXX and didnt get the results until XX/XX/XXXX. I located an account from the transaction id given to me by the irs On On XXXX XXXX the funds were depleted to {$1.00} balance. I live in florida and have never been to california and thats where ALL the transactions occured and the total balance was depleted in 4 days. I notified serve customer service. Also account protection team. Spoke with supervisors etc ... Was sent a link which was a declaration of fraud form that needed to be filled out. Keep in mind. I didnt ever have possession of the card nor did i even know about it till XX/XX/XXXX but i was being told i needed to give detailed information about transactions that were to be disputed. Which i completed in detail as best as i could. I emailed and i faxed copies which were confirmed to have been received. I was told on a recorded line that my funds would be credited back to my account on the XXXX. I looked today and there has been no change. I called them back again and was told that things were still being investigated and i woukd receive an email with a decision in the future. Not more than an hour later i got an email saying my claim was denied. This is absolutely outrageous. This is a form of strong arm robbery. Something needs to be done about this. Im sure this is haooening to many other people. Thabk you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction 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: Debt collection

Hi. I returned all the cable XXXX equipment to time XXXX including the box and remote and they said that I did n't. I havnt had cable for about 5 years or so. They then got a collection agency to try to collect it. It 's unfair and I think it must be because the data entered At the store was n't recorded or was wrong.
Product: Bank account or service

There was a Deposit applied to our account in the amount of {$1000.00} for a reversed check made by our bank Huntington. My wife called and spoke with a customer representative who confirmed that the money was ours and it was OK to use. A week later they withdrew the money without us knowing causing our account to be negative. We again called Huntington and they could not provide us with any resolution and only escalated the call. We called in originally to prevent this from happening. How can we be held accountable for their mistake after receiving verbal confirmation as well as the call being documented in there call software as approved funds.
Product: Mortgage

I recently entered into a loan modification trial with specialized loan servicing my payment now is XXXX .I informed them on XX/XX/2021 that my situation has changedthat the social security administration 's deemed me XXXX and that I will receive XXXX a month that and my pension from my job gives me a monthly income of of XXXX dollars.The modification I received had no interest reduction or extension of the loan terms.their response was for me to rent out rooms my house. I no longer will be making XXXX dollars year.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 months that are reported late 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. 


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

I requested to have this secured credit card account closed back in XXXX of XXXX. According to XXXX Bank rep this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reason to believe that Equifax is suppressing my credit score.On  XXXX  -17 my  credit score was  XXXX   XXXX  17 M y credit score dropped to  XXXX . I recently had a new account added to my credit file by  XXXX   XXXX    XXXX   XXXX   on  XXX -17.As of  XXXX  -17 My  available credit was  XXXX .  XXXX  -17 it  went up to  XXXX .As of  XXXX  17 My  credit was  XXXX .  XXXX -17  XXXX . I have the same amount of accounts that 's being reported the same information on  XXXX  as well.As of  XXXX  -17 M y credit score was  XXXX . XXXX -17 it went up to  XXXX . On  XXXX   XXXX -17  XXXX .  XXXX  -17 M y score went up to  XXXX . I contacted Equifa x personal s olution on  XXXX  -17 to  voice my concern I was refunded  XXXX  and a discount on the Equifax complete advantage plan for  XXXX  for 12 months and i was told by a representative name  XXXX  that I would see a change in score in a couple of days. As of  XXXX  -17 My  score remain the same  XXXX
Product: Prepaid card

on XX/XX/XXXX at XXXX XX/XX/XXXX at XXXXXX/XX/XXXX in New York we placed {$100.00} on an American express prepaid gift card in hopes to purchase XX/XX/XXXXplus. When we first tried to purchase it, it said that we had to wait one hour so we waited one hour for the gift card to be ready to use but every time we try to pay the card would decline. We tried using all security codes that was on the card and researched as much as we could target says the gift cards are not returnable and we would have to sort it out with American Express but nobody answered from American Express only leaving us putting the 15 digit code into the keypad and press, pressing pound. The robot told us it was unusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud. XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX : {$130.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have violated my rights. 

15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instruction.

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: Checking or savings account

Online savings account opened XX/XX/XXXX and had over XXXX deposited to it other the time it was opened until it was closed by Marcus on XX/XX/XXXX. The balance at closing was {$100000.00} and they closed the account when I started transferring to another bank as their service was horrible. When the account was closed, I received an email letting me know so I called and was told a check was going to mail out to my XXXX Kentucky address even though I had updated my address to my XXXX Florida address but that was OK, that was over 1 week ago. Then I received a letter from Marcus dated XX/XX/XXXX stating the disputed account was closed and to call with questions. I called today, XX/XX/XXXX and after waiting online for over 30 minutes, was finally told that the funds were sent to unclaimed funds and they would check with that area and send out a check now. I asked why this was the case when I was told over a week ago that the funds were being mailed to my XXXX address and the girl just said she didn't know, there wasn't anyone I could talk to and I could wait a couple of days and call back again to see what happened. This is ridiculous and so unfair that I have been waiting for weeks to get my funds and every time I call, I get the run around and wait for at least 30 minutes while the person I speak to who doesn't know anything about my account has to call someone else that tells them to tell me nothing.
Product: Credit card

I received a hard inquiry on my credit accounts from Capital One on XX/XX/2023. However, I did not attempt to open an account with Capital One, which leads me to believe that my identity was stolen. Also, someone may have used my identity to create a XXXX account in my name on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights on the date of XX/XX/XXXX As well as XXXX XXXX XXXX XXXX XXXX date of XX/XX/XXXX Along with XXXX illegal/Wrong inquiries from XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the violation by XXXX is XX/XX/XXXX next XXXX is XX/XX/XXXX Last but not least the XXXX wrongful collections I have on my credit profile XXXX by XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX & XXXX Date Opened XXXX 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 My name is XXXX XXXX I will not be abused by these by these rich companies no longer I work hard and have money and will take my time to hold every last company accountable this stuff is literally illegal why do this to hard working good people that pay taxes its fine I will make all companies pay through the justice system thank you & XXXX bless
Product: Mortgage

After filling for bankruptcy ( chapter XXXX ) and making payments to a trustee for a couple years, Bank of America sent us a bill for our mortgage for {$23000.00}. Contacted them about a loan modification. Months ( more than a year ) of delays, excuses and tons of paperwork, they still foreclosed on the house. In XX/XX/2016, we moved out and they sold the house for less than the past due. It has been 7 months and they are still sending us letters stating out application for modification is being reviewed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  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 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 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 XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2020, I received an email from XXXX  XXXX XXXX, Total Visa that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued In spite of this notice, I made a payment that was posted on XX/XX/2020 and another on XX/XX/2020. A new card was NEVER sent in spite of them receiving payment 13 days after the date of this email. In XX/XX/2020, my credit report alerted me that I had a 30-day-late-status reported for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the Total, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, after calling back to Total Visa about my credit report 30 day late notification, on XX/XX/2020 I received the new card that the original email stated that I would receive automatically. 

I have disputed this information several times through the credit bureau. Last year XXXX  XXXX XXXX, Total responded to my complaint but it had some inconsistencies with the my statements and dates. TOTAL has refused to assume any responsibility for THEIR data breach, lack of communication on what was my current account numbers and reissuance of cards which was ultimately THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
I will be willing to have a no information found or reported but the late payment status is not justified. 
All documents proving these statements are attached. 
I emailed and faxed this dispute and in spite of being called and told that it would be fixed ASAP, it hasnt. I AM IN THE PROCESS OF TRYING TO BUY A HOME AND THIS IS HINDERING ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX needs to be removed the case was dismissed. Further I asked the credit bureau their process of verification since the US courts do not report to credit bureaus they did not respond. This has been an ongoing problem with Transunion and they continue to unwilling removed the errounous information. This banruptcy is not in non of my other credit reports this is hindiring my credit scores and lifetime
Product: Credit card or prepaid card

On XXXX of 2016 I did not receive a bill to my new address I was living at, which resulted in a late payment and is showing up on my credit report. All other payments were made 100 % on time for 4 years after that occasion. I am asking that you please remove these late payments from my credit report. 

Thank you in advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$34000.00} XX/XX/
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Fox Collection Agency regarding an account they have reported as verified and accurate. This account is originally for XXXX XXXX, a company with which I have no record of doing business. It appears this company is fraudulently trying to collect on a debt without providing proper notification to me of the account. Fox Collection Agency failed to contact me in reference to some type of utility account I have no affiliation with. It appears my information may have been fraudulently used to obtain this account. 

Details of the Dispute : Original Dispute Filed : On XX/XX/year>, I filed a dispute challenging the validity of this account. Despite my lack of business dealings with the original creditor, XXXX XXXX, Fox Collection Agency has responded that the account is verified and accurate. 

Request for Full File Disclosure : In accordance with the Fair Credit Reporting Act ( FCRA ), Section 611, I am requesting a full file disclosure of the method used by Fox Collection Agency to verify this account. Specifically, I am requesting : Hard evidence that traces back to the original creditor, XXXX XXXX. 
The original creditors contact information and any documentation that links me to this alleged debt.