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

On XX/XX/2023 The Credit bureaus stated Account Name : XXXX XXXX  & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXXAccount Name : XXXX XXXXXXXX Account # XXXX Account name : XXXX account number # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit
Product: Credit reporting

I have recently been informed that there is negative information reported by Experian, for a " Bankruptcy. ''. I sent XXXX XXXX XXXX, ( who Experian reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. Experian received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. I want this " Bankruptcy '' removed. Experian did not provide me with any competent verification of this " Bankruptcy '' bearing my signature.
Product: Credit card or prepaid card

My credit card had 2 unauthorized charges and they are huge. 
It happens when I am waiting a new credit card. 
I suspect that someone paid post officer to steal credit card mail, use it to purchase luxury goods and sell it for cash. 
The reference number ( bank of America ) for the charges are XXXX and XXXX. 
I already called the bank to solve it, want to make sure here again.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XX/XX/XXXXXX/XX/XXXX
Product: Student loan

AES - American Education Services The federal loans I received in college were set up by the universities ( XXXX ) from XXXX. I am not sure how the paperwork was done or what I signed I was given no help by my parents at the time. After graduating and deferment was over, I was told I had to consolidate my loans to lock in a good interest rate in 2006. I was asked how much I could afford by AES, told it was my only option. I was locked into a predatory loan with astronomical rates and then they tried to steal away another 1 % percent that I fought and won over when they messed up the consolidation payment due times. 

Over the years I 've paid this loan of {$26000.00} - never late. I now see in my account it says I 've paid over {$40000.00} in principal and {$16000.00} in interest. These numbers do n't add up, in reality, I 've paid close to {$30000.00} out of pocket with {$15000.00} in principal still due and around {$10000.00} in interest due if I run out my full term. In total I will pay almost double over the life of the loan - hardly the great deal I was sold on in my XXXX. 

I would like to blow the whistle on these deceptive banking practices and would like you to look into what is going on here. 

I have asked to speak to someone at AES about a payment modification due to the predatory nature of the loans setup by both the school and them the lender, they said they have no modification department or anyone to talk to about this. They can not explain why the numbers do n't add up other than it is n't explained correctly on their website. 

Why this is predatory - As far as I knew I was borrowing from a State agency funded by the fed- I thought this was a non-profit school program with my best interests in mind - not a company profiting ( like shooting fish in a barrel ) from un-knowing borrowers. 

I 've tried refinancing outside of AES, and no company could help me refinance, as everyone I called, would only refinance private student loans ; and this is considered as federal loans through a private company. 

There are literally thousands of complaints online about this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. 

XXXX XXXX XXXX Reported : XXXX. XXXX, 2021 {$190.00} XXXX XXXX Reported : XXXX XXXX, 2021 {$820.00} XXXX XXXX Reported : XXXX. XXXX, 2021 {$900.00} XXXX XXXX A Reported : XXXX XXXX, 2021 {$450.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit card

From, I return back from my trip. I was out of the country for almost 6 years return this year in XXXX I ask for my credit report from XXXX XXXX and XXXX XXXX and realize that there was an account open in my name without my permission from synchrony. Ive been arguing with synchrony for almost 7 months and they are refusing to take it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Date : XXXX XXXX Account XXXX Action : certified letter was sent to remove all late payments ( XX/XX/2022, XX/XX/2022 ) account is paid, and now closed. 


XXXX Date : XXXX XXXX Account XXXX Action : certified letter was sent to remove this account I have not supplied proof under the doctrine of estopped by silence, Engelhardt v.Gravens ( mo ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXX XXXX XXXX : XXXX XXXX Account number:XXXX  This auto loan was paid off through insurance settlement, i sent a certified letter to have account updated in good standing.
Product: Credit reporting or other personal consumer reports

I am submitting this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX 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, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

I received a letter saying I had approx. {$900.00} overage in our escrow account. When I called AmeriHome, they said we were in the red with our escrow. At the end of the year each year, we are approx. {$1000.00} overage in our escrow but do n't get a refund. They asked if I wanted a refund or use that money to apply to next year 's escrow. I asked for a refund but now I 'm being told we are short the same exact we were supposedly over.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with 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 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/updated.

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. 

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

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against EXPERIAN for furnishing inaccurate information to my consumer credit file. It is imperative that Experian always has the most accurate information in my credit file. By furnishing these inaccuracies, Experian is in direct violation of 15 USC 1681b ( a ) ( 2 ) because Experian has, in fact, knowingly furnished my consumer report with inaccuracies multiple times without my permissible purpose or written instructions to do so. As a result, these actions have caused my family and I a great deal of injury and stress. I am demanding the following personal information that has been incorrectly reported be DELETED IMMEDIATELY. 
Please delete the following inaccurate names : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Please delete the following inaccurate addresses : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX. XXXX XXXX, LA XXXX Enclosed are : Letter sent to Experian Exhibit A, credit report with inaccurate names Passport card Identity Theft Report
Product: Debt collection

On XX/XX/XXXX XXXX contacted me with an adverse alert on my credit report. I receive free daily checks due to XXXX breach of my email address & social security number. A debt collection in the amount of {$260.00} from Sunrise Credit services was posted on my credit report at all three credit agencies. I phoned XXXX who advised me to phone Sunrise. On XX/XX/XXXX I phoned Sunrise, spoke to " XXXX '' and asked what specifically the collection was for? I was told it was from XXXX XXXX XXXX mobile. I told them I have NO ACCOUNT with XXXX XXXX XXXX  and do not live in Kentucky, the fraudulent address Sunrise added to my credit history. I was told I had to dispute it in writing and so I requested the forms. I was told they would be mailed to me within 5-7 days. It is now XX/XX/XXXX ; I have nothing from Sunrise. I filed a dispute with XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX removed the false debt collection & false address from my credit history. XXXX has not. So I have filed an Identity Theft Report with the Federal Trade Commission FTC Report # XXXX on XX/XX/XXXX disputing the Sunrise Credit services collection for XXXX XXXX XXXX XXXX fraudulent charges placed on my credit history report. I am XXXX XXXX XXXX, and have NEVER HAD A LATE PAYMENT, and no collections. All my bills are on autopayment, to prevent any late payments. I receive daily phone calls pestering me to obtain credit cards, even though I have placed a identity theft permanent freeze on my credit report history. I believe all this to be directly responsible to Sunrise Credit services fraudulent posting on my credit history. Why was I not contacted by XXXX XXXX XXXX XXXX  with a bill for the fraudulent account so this could have been discovered long ago? Why did Sunrise Credit Services not contact me regarding a collection notice before this ended up on my credit report. I receive daily emails from the three credit bureau agencies, regarding this, which I find stressful. I did nothing wrong, yet I am being harassed, lectured about paying for bills and services I contracted with ( with I did not! ), and told they do not believe the FTC identity theft report I filed was accurate, because I did not send them a copy of my drivers license and bank account information. This is very frustrating. If it doesn't get solved soon, I will need to hire an attorney to sue Sunrise Credit services and XXXX for the stress caused me.
Product: Checking or savings account

My account was wrongfully restricted on XX/XX/year>. I have called the bank several times just to be given no information. I recieved an email on XX/XX/year> saying that they were closing my account within 30-60 days and all my cards and accounts became restricted. I was specifically told no deposits will be able to go into the account and since my direct deposit was processed on the same day it went through to Citi bank. This is my only checking of count where all my money goes into and Citi bank is not trying to give me any information as to why this has happened. I have access to no money, I have rent due, car note, I cant buy food, and XXXX XXXX XXXX XXXX XXXX XXXX but no one seems to care at Citi bank. I have been a very loyal customer since day one. I have {$20000.00} in my savings account that I can not access now. I keep getting transferred and hung up on every time I call Citi bank. I can confirm every single transaction in my account. I have even attached a copy of the direct deposit that went into the account from my XXXX.
Product: Checking or savings account

My Synchrony Bank, NA certificate of deposit at 5.1 % was to mature on XXXX XXXX, 2024 with a 10 day grace period. I called the bank on XX/XX/year>2024 to determine whether to roll the CD to a 4.1 % CD for another 12 months or move the funds. I decided to move the funds to the same bank 's high yield ( 4.3 % ) savings account. The bank reps told me that it would take between 2-5 business days to " close the account '' and another 2-5 business days to " move the funds '' to the same bank 's savings account. I asked where the funds would reside during those business days and was told that the funds would stay in the CD until credited to the savings account but would receive interest at the new 4.1 % rate, even though it was in the same CD at 5.1 % during the grace period. I asked why it would take up to 10 business days to move funds within the same financial institution when a brokerage account could move the funds the same day. The reason given was that that is " bank policy. '' It is ridiculous that the bank should have the use of my funds at the lower rate ( 4.1 % ) when I should be earning either the current CD rate ( 5.1 % ) or at least the savings rate ( 4.3 % ) on the business day after the maturity date of the current CD. While XXXX basis points may seem nominal, the bank does this to everyone and that adds up to significant interest lost to its customers.
Product: Debt collection

This is a supplemental and final complaint - United Auto Credit Corporation ( UACC ) has violated multiple federal and state consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. 1681s-2 ( a ) and ( b ) for failure to report accurate and timely credit information, FCRA 1681 ( a ) ( 5 ) ( C ) for prohibited reinsertion of previously deleted tradeline, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e and 1692f for deceptive and coercive collection practices, FDCPA 1692c ( b ) for unauthorized third-party disclosure by contacting my brother, who is not a cosigner or authorized contact, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX ) for misrepresentation of contract terms and failure to disclose material facts, and the California Consumer Legal Remedies Act ( CLRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX ( a ) ( XXXX ) for misrepresentation of loan terms and failure to maintain reasonable business practices. These violations stem from UACCs failure to update my credit report for over XXXX months, resulting in the tradeline being deleted by all three major credit bureaus. XXXX also engaged in coercive debt collection by falsely claiming I had to disclose my vehicles location and improperly contacting my brother about my account. I have uploaded a detailed PDF complaint under the XXXX tab that provides additional legal citations, facts, and evidence. Please refer to the PDF for full context. I request immediate action to investigate UACCs violations.
Product: Mortgage

SLS is actively engaged in avoiding a response to an inquiry made about a change of ownership of the referenced property from my personal name to an LLC which I own. It is my opinion that they intentionally structure their company to discourage consumers from receiving the service they deserve and are obligated to. This was evidenced to me by a response to a written request sent on XX/XX/XXXX - and not responded to until XX/XX/XXXX ... After multiple phone calls, hours spent on hold, their representative XXXX, teller ID XXXX, was intentionally not willing to provide service. I have tried to get an answer to the documentation attached below, and have waited months, their company is borderline fraudulent, and this complaint is an attempt to protect others from their practices.
Product: Credit card

See attached .pdf copy confirming payoff of a Citi Cards credit card account, for the balance stated of {$210.00}. This card was canceled/inactive approximately 4 years ago. Citi Cards has sent me a following bill for interest of {$3.00}, for the period XXXX/XXXX/2015 through XXXX/XXXX/2015. Once again, this card was canceled/inactive approximately 4 years ago. I called the Citi Cards customer service number ( XXXX ), and spoke to a representative who did not identify him self. I asked to speak to a manager in charge, and was refused. The Citi Cards representative did not resolve the matter to my satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting unauthorized inquiries on my credit report. I did not give authorization for XXXX XXXX XXXXXXXX, XXXX XXXX or XXXX to gain access/pull my credit report. As a result, inquiries are listed. There are no open accounts listed on my credit report with these creditors and therefore, the inquiries should be removed immediately. This is my second request for Equifax to remove XXXX XXXX and XXXX. I've made several phone calls to attempt to have this matter resolved, but Equifax is still reporting inaccurate information. I am a victim of identity theft ; someone stole my social security number and has been trying to open up fraudulent accounts, which is resulting in unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Balance : {$0.00}