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

XXXX XXXX XXXX XXXXXXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX  You ae in Direct Violation of The Fair Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I have had this account since XXXX. I have never missed or had a late payment. In XX/XX/XXXX, the company arbitrarily decreased my credit limit by almost 30 %. This decrease had nothing to do with my account history and has caused my credit score to drop
Product: Debt collection

Dear [ I.C. System, Inc ], I am writing to dispute the validity of the debt you are attempting to collect, as governed by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692. I dispute the following information : I.C. SYSTEM, INC Original creditorXXXX XXXX XXXX XXXXT Balance {$480.00} Balance updatedXXXX XXXX XXXX4 I am requesting that you provide me with detailed information on the alleged debt, including the original creditor 's name and address, the amount owed, and any supporting documentation that validates the debt. 
Additionally, I am aware of my rights under the FDCPA, and I request that you cease all communication with me regarding this debt until you provide the requested information. 
Under 15 U.S.C. 1692g, I am entitled to receive written verification of the debt, and I expect your prompt response within 30 days of receiving this letter. Failure to provide the requested information will compel me to dispute the debt with the appropriate authorities. 
Please consider this letter as a formal dispute, and I look forward to receiving the necessary documentation to validate the alleged debt. 
Subject : Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA
Product: Credit reporting or other personal consumer reports

I have made multiple efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have significantly disrupted my life, causing considerable distress. I must emphasize that I never authorized or agreed to have this information linked to my name, as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

Hello, my name is XXXX XXXX and this will be my 3rd attempt trying to pull my credit report and my credit file from Equifax on XXXX. I have uploaded the last screenshot of my attempt. I have been reaching out to Equifax. I recently sent over an identity theft report as well have been trying to pull my credit report and they have yet to respond. They say reach out to them at the address but they are not responding to anything at this address within the 30 day time frame. I am reaching to get assistance for my credit report and credit file.
Product: Credit reporting or other personal consumer reports

This accoutn is reported differently across all reports and none of it is correct. I dont understand how they are willing to commit fraud. This information is wrong. The Equifax, XXXX and XXXX all refuse to do their required job and confirm and correct.
Product: Debt or credit management

I accidently signed up for Experian XXXX  through XXXX. Now there's way to cancel it. 
The website shows no option to cancel. It says you have to call. 
I called the number given. The only time someone deigned to speak to me, all they did was give me a spiel about doing it online. 
You can't. 
I've been trying for almost a week to get this taken care of. 
Every single call is intercepted by their gatekeeper recording that " can only transfer under limited circumstances. '' It just keeps running the same circle til it hangs up on you. 
I want this canceled immediately, I want Experian out of my life, and I want verification that it has in fact been canceled. Email will be fine. 
It shouldn't be this hard to cancel anything, and a company that can't be bothered with its customers shouldn't even be in business. 
I want this done with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed multiple requests to receive my free annual report 2 to 3 months back and still have note received any thing.
Product: Credit card or prepaid card

Wells Fargo sent me a free intrest for 18 months application. I responded with a request for XXXX plus to pay XXXX who were charging me intrest on that amount..Wells Fargo turned down my application and I assumed that was the end of it. Two weeks later I recieved a bill from Wells for XXXX plus that they said I agreed to and this went to XXXX. I agreed to nothing in regards to Wells and was surprised they did this. I spoke to a Wells person a few weeks back and she suggested I contact XXXX and request the funds that Wells sent them back to me. I find this not the proper way to do this.I have good credit and dont want this to damage it. Wells Fargo is dishonest with these tactics.
Product: Debt collection

On XX/XX/23 I sent a letter via US postal service certified mail to Caine & Weiner requesting to validate a debt. Tracking number ( XXXX XXXX XXXX XXXX XXXX XXXX ). 

The letter was received on XX/XX/2023 at XXXX. There has been no response or debt validation letter sent to my address I provided in the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  : {$2400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Receive deliquent fee or fine for XXXX don't owe this I was affected by COVID-19 they won't help
Product: Credit reporting or other personal consumer reports

payment history with this company 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 MONTHS REPORTING 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.

This company 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 have disputed multiple account working on my credit report to no avail. I do not believe a fair and accurate investigate was conducted into the accounts. I am requesting again a complete and accurate DEBT VALIDATION of the accounts. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I wish to receive accurate reporting of accounts, complete report with validation method and itemized report of debt due and a signed copy of debt origination with my signature. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the 15 USC 1681 , i have a right to privacy. Also 15 USC 6802, No financial institution is suppose to share my information with third-party people. I believe these are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX BANK,XX/XX/XXXXAccount # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Rocket Mortgage is charging me PMI insurance. 
They refuse to take it off. 
I was told at closing that the PMI would drop off once I was at 20 % equity. 
My house was recently appraised at $ XXXX and I owe $ XXXX. 
The appraisal on the house at closing was XXXX so even at this appraisal amount I am at 20 % + equity in the home. 
Rocket Mortgage then said that if I got an updated appraisal that the PMI would then drop but they canceled the XXXX with no explanation. 
Today the rep said that I have to pay PMI until XXXX. This is so ridiculous. And they said that I signed on for this which I can tell you I did not. 
I was told once my payments put me over the threshhold that it would automatically drop. Rockert mortgage said today that that was wrong and that I should have been told that. 
Why am I paying PMI when I'm at 50 % equity in my home at this time. 
Rocket now said that I have to get them a letter with receipts on all the improvements I made along with an Appraisal and Maybe, just maybe they will drop the PMI and if not I am locked into paying PMI until XXXX. 
This is crazy.
Product: Vehicle loan or lease

I contacted Santander Consumer on XX/XX/XXXX @ XXXX XXXX about the litigation due to deception and predatory lending practices and I was immediately ignored. The gentleman by the name of XXXX when I asked about the lawsuit and if my loan qualifies for the class action lawsuit or if my loan amount that was owed would be removed he told be the only way I can remove it is to go into court and file for a cancellation of debt. I assured him that the company Santander was in the middle of litigation and he told me basically my loan did not qualify. 
The remaining balance owed on the vehicle is XXXX I have attached the article and the litigation information through two ways I am going to list the web addresses with a copy of the first few pages of the documents explaining the process. 
XXXX My email address is XXXX XXXX
Product: Credit reporting 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 prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX & XXXX XXXX  XXXX Balance {$950.00} XXXX  XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$490.00} ( Original Creditor : XXXX XXXX ) XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Monday XX/XX/2023 at XXXXXXXX XXXX I received a text from my mom that my uncle was expressing he was tired of receiving calls from XXXX which sounded like a collection call. I called the number to find out it was Ally Financial which I had requested to cease and desist all calls a month or two prior. My uncle is a distant relative we dont speak to so I am very upset he was called especially after I requested cease and desist. I never used him as a reference. Ive spoken to ally financial about my unfortunate circumstances and understand I have an obligation to pay my debt. Ive experienced medical, loss of income and increase in expenses as my credit which used to be in the XXXX can reflect that. I am stressed out and the calls puts more stress on the situation. 

I was being refused a manager saying one was not available. I said I will wait finally got a manager who denied me a number or address for me to file a complaint on still receiving calls on cease and desist account. All calls are monitored recorded so this can be confirmed. The manager would not provide me info just said hed take my complaint and feed back I expressed to him I wanted to escalate it further. Then call went real silent. 

I had to do research to find this consumer finance protection site to file a formal complaint.
Product: Credit card or prepaid card

creditor- AVANT.COM XX/XX/XXXX XXXX I reported my card lost and requested a new card Fast forward to XX/XX/XXXX I received an email that stated that my card had been activated. I immediately called the creditor and explained that the card was not in my procession and that someone had activated it. 
The agent I spoke to on the first phone called said my husband had activated it for me. mind you I am not married and I have never allowed anyone to have access my cards. 
I immediately said no I did not authorize it lock the card. 
The agent said he locked it and upon looking at my account I found a fraudulent transaction for {$840.00} made at XXXX in XXXX. 
I submitted a claim and I was denied. I been trying to ask for the recordings from the day the account was activated and I have been denied. I also called the merchant today and they stated that they could only provide receipts and nothing else. 

AVANT wont allow me to reopen the claim and it was denied internally by their bank From XXXX XXXX XX/XX/XXXX the credit card was stolen and it never made it to my mailbox please help me I don't know who else to call
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and the Mortgage company on several occasions. However, both mortgage companies are reporting my account as being opened. ASC, is reporting my account opened and Wells Fargo is reporting my mortgage account as being opened. This is making my debt-to-ratio to be high and I was denied credit for this.
Product: Debt collection

on XX/XX/2023 my phone was called at XXXX XXXX My friend happened to be who picked up the phone, the woman on the line told she was calling for XXXX XXXX, my friend asked what the call was concerning. she stated she had to tell her the call is being recorded, then gave out my full address as if to verify who it was, my friend asked once again what was the call concerning. never once did she acknowledge that she was me or that the information was correct. she only kept asking what the call was concerning. the woman on the phone told my friend the entirety of a account information for a woman 's clinic that I supposedly have a bill for. she told her the amount ( {$1500.00} ) and what it was for. My friend who is also a Debt Collector knows the laws and started to defend me. she told the woman she violated FDCPA and HIPPA by revealing the information without confirming who she was. The woman on the phone tried to tell her that because she " Paused '' when she asked about the address, that it verified who she was and proved she was the correct person. when in fact she was not. she argued for a long while that she did in fact verify who it was because she paused. no matter what my friend said the woman kept arguing that she was me. Never once was she mini mirandized, she not only broke FDCPA but also HIPPA and REG F. My friend didnt get her name, she said she never told her she only said she was calling from Revenue Cycle Associates , but they did mention the call was recorded only after stating the address. The entire thing was extremely embarrassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Charge-off on my credit reports reported by the XXXX credit bureaus ( XXXX, XXXX, and XXXX ) being reported by Springleaf ( OneMain Financial ). This debt was a joint account with my ex-wife. We were separated in XXXX and divorced in XXXX. This debt was sold to a Collection Agency, XXXX XXXX, and XXXX XXXX has removed it from my credit report on their end. I have asked Springleaf ( OneMain Financial ) as a Goodwill gesture to remove their reporting from my XXXX credit reports on their end as well. I received a letter from them stating that my request was denied and that Springleaf ( OneMain Financial ) will not remove the derogatory remark from my XXXX credit reports, and that they will keep reporting it. This account was opened in XXXX, and was charged-off in XXXX. I am asking them for their consideration in removing this derogatory item from my XXXX credit reports from each of the XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I do not know anything about the items. Please remove these fraudulent accounts form my credit file immediately. 

XXXX  XXXX  {$170.00} XXXX  XXXX  XXXX   {$4900.00} XXXX  XXXX {$760.00} XXXX  XXXX  XXXX   XXXX  {$4600.00} XXXX XXXX  XXXX  {$51.00}
Product: Credit card or prepaid card

My American Express Bluebird card account was stolen and all the money in my account was used to make purchases. I reported this to American Express, and submitted the Declaration of Fraud, and called them, and they refuse to recognize that my account was stolen..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an ongoing issue with Nissan Motor Acceptance XXXX since this origination of this Lease with the XXXX XXXX XXXX. It seems that they continue to try to damage me and my credit worthiness. I've tried on multiply occasions to work with them, from them placing the wrong amount of miles on my lease to repossessing a car which I tried to return to them at their dealership, to not explaining taxes correctly and how they are paid with the lease to sending me a bill for over {$6000.00} and then damaging my credit. The account ended up with XXXX XXXX XXXX which I finally agreed to settle with a 2 payment plan XX/XX/XXXX and XX/XX/XXXX and they have yet to send me settlement confirmation letter. I struggled to make these payments and placed my mortgage on hold to make this go away. The first payment, processed a little early so we had to reschedule it so we agreed managed to agree to same terms. However, we got it done and still I haven't heard from the representative or Nissan to say that it was complete. During this time, Nissan was still sending me statements showing I owed money and I was working with XXXX XXXX too. Long story short, I paid XXXX XXXX 2 payments of {$1200.00}. Nissan is still reporting that I owe money to them so when I called to follow up I explained that they are do a subpar job of following up with their Agency on my account and that they are damaging my credit and I asked who is responsible for updating my credit? The representative stated he didn't understand my question. However, I know who should and they have dropped the ball again. I advised then that I would be making another complaint about the mishandling of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit I have two accounts that are not mine. 

XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX Barclay Bank Delaware opened XX/XX/XXXX balance XXXX Find out to whom these belong to because they are not mine. I called both banks and they do not have my social security or my name on these files.