23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have reason to believe my account was hack do to identity fraud during XXXX XXXX and any inquires dated previously or any future uses.
Product: Credit card or prepaid card

In XXXX, I used Fidelity Rewards XXXX XXXX Check with 0 % APR on 4 occasions. 

{$5000.00} Expires XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2100.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX I used the card for other purchases over the past few months. 

Undoubtedly, when a card holder pays the 3.99 % or 4.99 % for the cash advance up-front, the loan period should be established to be set in stone. 

For example, if I pay the balance due on the charges, and I keep a balance of {$5000.00} on the account until XX/XX/XXXX, there should be no interest being charged. 

However, this Fidelity Rewards card has booked my payments to the outstanding loan balances! 

Now, they are saying that of the {$11000.00} I still owe ( note that XXXX + {$2100.00} + XXXX is XXXX - and no balance should have an interest charge until at-least XX/XX/XXXX ) {$7600.00} is " purchases '' and can have an over 14 % interest rate applied. 

Please investigate this practice. It is what I consider unscrupulous and should be illegal under consumer protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a negative item on my credit report from XXXX XXXX XXXX. I have no record of the account which was from 2003 and neither does XXXX XXXX XXXX. I have called them several times over the last two month and have been told that they do n't have anything listed under my social security number. I also opened an investigation with all three credit bureaus and Experian will not take it off of my report despite the fact that I submitted a written request detailing the issue.
Product: Mortgage

I have had problems with Rushmore LM for a few years with them changing my interest of fixes rate. The pandemic has hit me financially, my business has suffered greatly. I contacted Rushmore in XX/XX/2020 for assistance. After over 30 calls to several so called point of contacts who never responded after they sent multiple letters stating help was available. XXXX XXXX wouldn't help me because I'm not XXXX and hung up on me. The latest contact has failed to respond to 8 calls. I filed for assistance in XXXX, of course they claimed didn't get all documents. But I sent check list with Documents. So I sent again. Here it is 7 months later. No response in any form. They don't call back, put me on hold but Do not get on phone. 
I gave up
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITTING TO YOU BECAUSE I HAVE RECENTLY REVIEWED MY CREDIT PROFILE AND FOUND THAT I HAVE MULITIPLE ERRORS BEING REPORTED, SPECIFFICALY SOME UNAUTHORIZED HARD INQURIES. I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW, OWN, OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY NUMBER/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF FEDERAL LAW AND THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. THE ACCOUNTS LISTED HAVE BE OPEN WITHOUT THE CONSENT OF THE CONSUMER. I HAVE NOT RECEIVED ANY BENEFITS FROM THE UNAUTHORIZED USE OF THE ACCOUNTS LISTED AND I DEMAND THAT ALL PROCEEDS GENERATED IN THE NAME OF THE CONSUMER BE RETURNED IMMEDIATELY AND FOR THE CONSUMERS CREDIT PROFILE BE RESTORED TO XXXX AS IT PREVIOUSLY WAS. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX PURSUANT TO 15 U.S.C. 1681 ( a ) ( 4 ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy- THIS IS A VIOLATION OF PRIVACY AND I DEMAND THESE UNAUTHORIZED ACCOUNTS BE REMOVED. 

SINCE THERE IS NO BUSINESS AGREEMENT OR CONTRACT BETWEEN ME AND THE CREDITORS LISTED ABOVE AND THEY DID NOT HAVE MY AUTHORIZATION, VERBAL OR WRITTEN, I DEMAND THAT YOU DELETE THESE UNAUTHORIZED USER AND INQUIRIES FROM MY CREDIT PROFILE IMMEDIATELY AS THERE IS NO EVIDENCE OF ANY AUTHORIZATION TO DO BUSINESS OF ANY KIND. 

PURSUANT TO 18 U.S.C. 1028 ( A ) ( 7 ) - knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. 

THESE ACTIONS ARE CRIMINAL AND UNLAWFUL. THE COMPANIES LISTED ARE REPORTED ON EQUIFAX, XXXX, AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Online credit card companies are all asking to send a SMS or text message to pay their bills or even see their statements. I have tried the following companies : XXXX, Amazon, XXXX, and XXXX. I have tried calling each and also their tech support. I can not afford a mobile phone and neither can a lot of other people. They are unwilling to change their access. This is discrimatory!
Product: Credit reporting or other personal consumer reports

This form https : //www.experian.comXXXX  to upload documents requesting a XXXX XXXX credit report does not work. It keeps complaining about file sizes being too large even though the files I have tried to upload are less than XXXX XXXXXXXX each and are a total of XXXX files. Each time the upload fails you have to start all over again and fill out the whole form! 

I think it is ridiculous that a company can be this horrible and still be in the business of credit reporting. The whole process is a scam! and the government should do something about it!
Product: Debt collection

they say i owe XXXX to XXXX XXXXXXXX university .atg credit LLC.. They was found gultiy for fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX regarding the billing error on my account with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Pursuant to 15 usc 1666a ( a ) collection activity includes furnishing any information on this subject matter to any consumer reports there should be no publication or advertising of any kind until the dispute is resolved. 
Pursuant to 15 usc 1692 I invoked my remedy to cease all communication and collection activity on this alleged account. XXXX continues to furnish this innacurate alleged information. 

I also stated that I so do believe I am a victim of XXXX identity theft under title 18 us code 1028a on multiple occasions XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I also demanded a certified copy of the ORIGINAL certificate of indebtedness in order to verify XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX is in fact the holder in due course there is in fact a proof of claim of this debt. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principal obligor. 

On XX/XX/XXXX I called XXXX to resolve the matter of innacurate information reporting and to let them know the above accounts were In billing error notice, I was hung up on by an agent which is defined as abusive practices pursuant to 15 usc 1692. The supervisor also explained to me that they would continue to furnish this information due to their protocol. When I explained to her that this was against the law according to 15 usc 1681b she ignored me and stated it would continue to report. This has caused me great stress due to my credit being damaged due to their negligence.
Product: Credit card or prepaid card

I ma seeking a receipt of a transaction between XX/XX/XXXX - XX/XX/XXXX and XXXX XXXX - XX/XX/XXXX. This item was a pressure cooker dollar amount $ 80- {$100.00}. I called credit today and after being verified was referred to JCPenney .com.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SS : XXXX Tel : XXXX XX/XX/2024 I request that you update my personal information on my credit report so its accurate. 

Please update the following : My primary mailing address - XXXX XXXX XXXX XXXX XXXX CA XXXX My primary phone number - ( XXXX ) XXXX My primary email - XXXX My current employer - XXXX XXXX XXXX Position - XXXX Thank you XXXX XXXX
Product: Student loan

My loan had been transferred to Mohela. I applied for PLSF. In XX/XX/, I called Mohela and spoke to them about receiving a reimbursement for the payments that I made during the COVID pause and for receiving credit for the payments that I made during an automatic forced in school deferment. I spoke to XXXX XXXX, c6007. I was told that the request would be processed and that it could take 60-90 days to be processed. I received a letter ( attached ) in mid XXXX stating that there was a correspondence processing delay. I continued to wait. I also applied for the SAVE program. I received confirmation at the end of XX/XX/ that I was accepted on the SAVE program and my payment would be approximately {$85.00} per month. I called back mid XXXX, again receiving mid XXXX a corresponding Processing Delay letter. Also in mid XXXX, I receive a letter about my payment terms and this letter states my payment is now over {$250.00}! I do not understand. 1 week later I was put into administrative forebearance, no reason why, no clear explanation. I called and never had the phone answered. So I emailed on XX/XX/XXXX. They told me to call in. I have been TRYING to call in. I am placed on hold, given the choice to hold or have a call back. I have done both and never answered nor received a call back. I received a letter on XX/XX/XXXX informing me that my loan payments would restart and they are back up to $ XXXX. I don't understand. I applied and was approved for SAVE. I have made well over XXXX payments for PSLF. I spoke with XXXX in XXXX and she said that my requests would be processed and it is over 90 days and nothing has been processed. I keep calling and just being placed on hold OR receiving no call back. This is ridiculous. I have earned to have my loans forgiven. I have earned my reimbursement for payments made during COVID. It is not my fault that the government keeps changing student loan providers, the providers have poor communication, are constantly giving false or inaccurate information. Please help.
Product: Credit reporting or other personal consumer reports

I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items,.
Product: Credit reporting or other personal consumer reports

My account with 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 in those account 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.

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: Payday loan, title loan, or personal loan

I got a loan from speedy cash of XXXX tx in XXXX 
I paid it off in two payments within 35 days. I never heard from them. All was well, so I thought. Months later I received a notice on my credit report that speedy cash has sold my debt to a collection agency and it is now showing up on my credit report. Speedy cash can not attempt to collect a debt that has been sold. This is not legal.
Product: Credit card

I have a XXXX checking account. I do not have a capital one credit card. Capital one has been debiting my checking account without my authorization. I have been advised previously by XXXX to just close my account. This would be a burden on me. I have filed an unauthorized debit complaint with XXXX and emailed capital one to cease and desist in debiting and withdrawing from my XXXX checking account. XXXX has not accepted my statement to date. I am a XXXX XXXX citizen and need help.
Product: Credit card

Care credit closed my account in XXXX of XXXX  due to the fact that they attempted twice to pull from an auto pay account that I had set up, but I had changed bank accounts and updated it with care credit but they kept pulling from my old account. I never received any notifications of a failed attempt at paying nor did I receive any confirmation. It wasn't until late XXXX when I received a notice that the account has been closed. Then, they added multiple fees overdrawing my account taking me {$1100.00} over where I was originally charging me interest above the current interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 accounts that does not belong to me, XXXX XXXX XXXX and XXXX XXXX XXXX, on my Equifax Credit Report on XXXX/XXXX/2121, XX/XX/2021, and XX/XX/2021. Equifax received my all my disputes, and to date ( XX/XX/2021 ) have not removed my request for this incorrect account to be deleted. I contacted both companies, and XXXX XXXX XXXX never sent me any Debt Validation notices nor XXXX responded to my diapute, so how is Equifax affirming that this false debt has been verified by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, which via a CFPB complaint on XX/XX/2021 responded on XX/XX/2021 and stated this : Company 's Response " Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Please be advised that we previously received Mr. XXXX requests for validation in XX/XX/2021, and although the account was long past the validation period provided under the Fair Debt Collection Practices Act, we immediately placed the account on hold requested validation of account from our creditor-client. Because we had still not received the documentation from our creditor-client when the time frame for a response under the Fair Credit Reporting Act expired, so the account was closed with our office and the Credit Reporting XXXX XXXX CRA ) were instructed to delete the account. Please note that we can not control the speed in which the CRA acts upon our request and recommend giving them at least thirty ( 30 ) days to update their records. Although we have since received the documentation from our client that supports that Ms. XXXX owes the debt, the account will remain closed with our office. We trust this resolved your concerns. '' Equifax is in violation of my rights and they are violation the Fair Credit Reporting Act. They have defamed me and my character, and refuse to rectify this matter.
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 XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX XXXXXXXX XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I created a bill pay from my XXXX to pay the provider. The provider never received a check and when I questioned it, the XXXX said they deposited directly into account. Provider does a not accept electronic transfers. Ive spent hours on the phone with promises they will escalate and reverse charges and no action is ever taken
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of several derogatory accounts on my consumer report. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Privacy Protection Act, 15 U.S.C. 68016802. I demand the immediate investigation and correction of these errors. 

Accounts in Dispute XXXX XXXX XXXX  XXXX ( Collection Account ) Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} as of XX/XX/year> Discrepancies : Repeated reporting of the same delinquency months and lack of documentation for the first delinquency date. 
XXXX XXXX ( Secured Loan ) Original Balance : {$1000.00} ; {$290.00} written off Discrepancies : Overlapping charge-off entries without explanation and missing last payment date information. 
XXXX XXXX  ( XXXX XXXX Credit Card ) Balance : {$1300.00} past due as of XX/XX/year> Discrepancies : Repeated charge-off reporting over multiple months and missing documentation of the last payment. 
Violations Identified Failure to Ensure Accuracy Under the FCRA, 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the accuracy and integrity of the information they report. The inaccuracies in payment history, delinquency dates, and balances fail to meet these requirements. 

Invasion of Privacy Reporting inaccurate information violates the Privacy Protection Act, 15 U.S.C. 68016802, by failing to safeguard and verify my nonpublic personal information. 

Rights of Survivors of XXXX XXXX  As a survivor of XXXX XXXX, I am protected under federal law, including 18 U.S.C. 1595. This law invalidates obligations incurred under coercion or duress. Reporting these debts without acknowledgment of these circumstances further harms me and violates consumer protection principles. 

Case Law : XXXX  v. XXXX Collector established that survivors of XXXX  are not obligated to repay debts tied to coercion or exploitation. 
Demands Investigation and Correction of Errors I demand an immediate reinvestigation under 15 U.S.C. 1681i ( a ) to correct the inaccuracies in these accounts. This includes : Removal of duplicative and inconsistent payment history. 
Verification and documentation of the first delinquency date and last payment date. 
Cease-and-Desist Reporting These accounts must be removed from my consumer report until they are validated in accordance with 15 U.S.C. 1681s-2.

Response Timeline I require acknowledgment of this dispute within five ( 5 ) days and resolution within 30 days, as mandated by the FCRA. 

Notice of Limited Communication Under 15 U.S.C. 1692c ( c ), I demand a cease-and-desist of all communications regarding these accounts, including reporting to my consumer report. You may contact me solely through written correspondence or via the Consumer Financial Protection Bureau ( CFPB ) portal. 

Failure to comply with these demands will result in further action, including arbitration, complaints to the CFPB, or legal proceedings under the applicable laws.