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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Per the FCRA as federal protected consumer. I am now opting out of any and all authorizations. I the consumer may have given written & unwritten, verbal or non-verbal per 15usc6802.

15usc6508 15usc1681 15usc6802 15usc1681 15usc1602 16crf313.6 16cfr313.7 15usc1692d 15usc1692e
Product: Credit card or prepaid card

I have scheduled travel within the next 8 days and I wanted to open a credit card account with a promotional incentive on which to charge my travel expenses. I considered several cards and elected to choose Capital One. My foremost concern was the ability to receive the new card prior my travel upon approval of my application. In my due diligence... I decided to contact a Capital One Venture Rewards Credit Card Representative over the phone to confirm that I can get the card shipped to me on an expedited basis upon opening the new account. The representative told me that yes I could pay a {$16.00} fee to have the card expedited and shipped out within 3 days and I would have it in time. I said great and asked if he could take the application over the phone. He instructed me that I had to apply first online and get approved. I asked him how then would they know to expedite the card shipment and collect the fees? He said once the application is approved I can call back to this department at XXXX they would then look up the application and process the expedited delivery. PROBLEM : I completed the application, was approved and called back and after speaking with a representative and a supervisor I was told that they can not honor what I was told and that it would be 7-14 days before I got the card. 

This is a breach of their verbal agreement with me as the card is now useless for the purpose I intended. This application resulted in a Hard pull on my credit report a step I would have never taken with Capital One if I had known it would take 7-14 days to get the card. I would have simply searched for another creditor who could meet my objectives. Now I am still left with doing so and yet another hard pull on my credit. 
Capital One misrepresented their terms on credit card delivery to me, failed to deliver as promised and caused harm to my score and further caused me to unnecessarily open a new account with them. This is bait and switch. They should provide some restitution for this or deliver as promised. I last spoke with the supervisor ID # XXXX.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX, XXXX and Experian regarding the following account number : XXXX. The dates of these disputes are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Despite all of these letters sent to these bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$83000.00}, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2013 I lost my business due to a divorce. It was a great business that I had done very well at for over 10 plus years. I was unemployed for several months. I had to have XXXX on both of my feet. So I suffered a great loss of income during this time. I also owed the irs a great deal of money in sales tax. I had to pay them. I got it paid back. I had to give my car back. It wasnt what I wanted to do but I had no choice. 
Mercedes is continuing to report this to my credit every single month and it is hurting my credit. It has been 6 years. I just dont feel like I should have to continue to suffer from this any longer. It was a devastating time in my life. I have tried to get past it and do better. So if there is anything you can do to help me it would be greatly appreciated. 

Yours sincerely,
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. These are the accounts that I have reported as inaccurate : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

This relates to my prior complaint ( # XXXX XXXX. I received the attached letter from Wells Fargo stating they received an unsigned letter from my son authorizing for me to communicate with the bank on his account. This is false. They received a signed letter, a copy of which is attached. 

Now that that is settled, I want a copy of all XXXX 's bank statement for the year XX/XX/2014 for the account ending in XXXX.
Product: Debt collection

In XXXX of XXXX, I was contacted by a debt collection company called Hunter Warfield ( XXXX XXXX XXXX. XXXX, FL XXXX ) who was hired by a leasing company, XXXX XXXX XXXX, XXXX, ( XXXX  ) in XXXX NY my son used for his college apartment 2 years prior ( XXXX of XXXX ). The letter they sent stated that XXXX demanded additional funds, over and above the deposit paid. The amount they were demanding was for repairs of issues that were already present prior to my son moving into the apartment or for repairs for issues that were incurred while he lived there that were not under his control ( leaking roof, bad plumbing ). These issues were written down ( holes in walls, peeling paint ) and we were told would be taken care of prior to him moving in by XXXX or were submitted as maintenance requests through XXXX 's website during his time in the apartment. That information now seems to be " lost '' and XXXX is demanding payment for repairs we are not responsible for. 
The other issue is that the TOTAL amount demanded is {$1100.00}, yet they are asking for this total amount from the 5 different families of the boys that lived in the house at the time, essentially demanding {$5800.00}, which is even more unfounded and in my opinion complete FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX I. The amount of {$680.00} its showing XX/XX/XXXX was fraudulently open by my ex-wife, Ive tried numerous times to dispute accuracy with all three credit reporting bureaus and it remains on my credit reports for all three bureaus.after the investigation. 

XXXX XXXX in the amount of {$1100.00} showing XX/XX/XXXX had been on my credit bureaus in excess of 10 years or more, and they refuse to remove it after several attempts and disputes about the accuracy of the account to be removed they will not remove XXXX XXXX in the amount of {$1900.00} showing XX/XX/XXXX Was fraudulently open by my ex-wife another account I have had XXXX XXXX XXXX for the last 11 years Ive never had XXXX before nor have I ever had XXXX  I have always had XXXX XXXX XXXX I dispute it with all three bureaus, and yet they still remain on my credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

My children did not attend this program for the XX/XX/XXXX-XX/XX/XXXX year, I have told the company this several times but they continue to try to collect an enrollment fee and an fee for the school year. I even called them and told them before school started that my children will not be attending.
Product: Credit reporting or other personal consumer reports

My identity has been stolen. I have been disputing the same incorrect information repeatedly to the credit bureaus and they refuse to comply with my requests. I have froze all my accounts, filed a report with the FTC, filed police reports with both local and XXXX and am now going to pursue charges being filed for consistently violating my rights as a federally protected consumer and will be seeking compensation for damages.
Product: Credit reporting or other personal consumer reports

Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LASTLY INCORRECT PERSONAL INFORMATION-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The creditor has violated my rights under15 USC 1681sec 602 and sec. 604 ( a ) section2.
Product: Debt collection

On XXXX/XXXX/15 I sent a Cease and Desist letter to Southern Finance, as a representative had come to my place of employment and I wanted to ensure that the harassment would stop. However, Southern Finance continues to call me and references provided on my application multiple times a day. I am experiencing a financial and have been meeting with a non-profit financial counselor. I have been advised that my budget only allows me to pay for my most basic needs such as mortgage, food, and health.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

The company claims only after I got involved with the insurance company that the claim was paid, this is not true. I did NOT get involved with the insurance company the company did not submit the claim properly and only when they resubmitted the claim properly they got paid. In the mean time they destroyed my credit for 5 months causing {$500.00} worth of damage to my credit. The company takes no responsibility and has not done the right thing by paying for the damages to my credit.
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 XXXX XXXX XXXX. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. Account Name : XXXX  XXXX XXXX Account Number XXXX ORIGINAL CREDITOR XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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 an 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.
Product: Checking or savings account

I have asked him numerous times to close my account I do not want to do business with them because of their attitude theyre directing me in misdirection multiple times not giving me straight answers when I came to my account felt as if I was given the runaround completely when I ask what was going on they would not answer me I do not want to bank with them at all I am completely disgusted with the service I do not want to have any affiliation with TD Bank XXXX XXXX New York
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I Do not have amy CONTRACT OR TIES to this company or the alleged debt that, they're Reporting on my credit profile. I've sent disputes to the credit reporting agencies as well. Please understand that this is a violation of my Rights to Privacy under the FCRA 15 USC 1692,1681,6802,1611, They are furnishing my credit information to 3rd parties, without my permissible purpose or My WRITTEN consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I had my identity compromised and stolen in which a fraudulent auto loan at XXXX XXXX was opened in my name which led to an outstanding balance of {$39000.00}. Please see the attached documentation as they were failed to notice or meet any of these demands. I have submitted a police report to all bureaus and transition fails to meet the demands of me and the police department as this fraudulent auto loan is not mine and I did not apply for no auto loan. Also, I did not or Never even came across this car or seen this car as it immediately went into a charge off and my credit is very important to me I wouldn't do something like this at all. I want this issue fixed or I will pursue legal counsel as an account that is fraudulently opened in my name is being held against me by this bureau, transunion.
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. 

Account name : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX direction Account name : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Account name : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 checked my Citizens Bank checking account via both app and website on XX/XX/2021. The current balance at the top of the app/screen showed {$670.00} but the total of running transactions within the transaction part of the app and website state it should be {$810.00}. Looking at the transactions from the past day, the account was overdrawn multiple times due to the bank 's posting order of highest to lowest. While overdraft fees are allowed when disclosed, they should show up on the app/site clearly and immediately when done by the banking institution. When reviewing their posting order guide, overdraft fees should post second after deposits. However, the fees are not present on my account at all, and are definitely not present between deposits and other types of transactions. There is no way of seeing these fees, money has simply been taken out of the account. This is predatory and confusing, especially if it were to happen to someone who didn't think to check why their money was lower than expected.
Product: Student loan

The loan servicer is Nelnet. As a borrower, I request repayment plans through the XXXX website, which is sent to the servicer. I request this in order to have a loan summary document that I can print out for a mortgage application. However, Nelnet has a very non transparent and long process to calculate a monthly payment based on the information that I submitted. It takes too much time and as a consumer it is hurting my prospects on owning a home since mortgage applications and home purchase are time sensitive applications. I have been informed that they have been several complaints lodged against Nelnet and another company XXXX. They are not serving the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request my complete consumer disclosure from the Experian Asset Verification division, specifically the one that advertises " ... it is the only solution in the market to be fully FCRA-compliant and adhere to credit bureau reporting and dispute processes ... '' ( SEE ATTACHED FROM THE EXPERIAN WEBSITE ). 

Also, please provide any consents from me as well as the specific source of any consents. 

Considering you advertise " ... coverage of 80 percent of financial institutions ... '', you have my data.
Product: Debt collection

I have a rental property in XXXX, Georgia. I paid invoices for XXXX XXXX XXXX XXXX  online. The final invoice was paid X/XX/2017 in the amount of {$68.00}. I spoke with a rep regarding the late fee. I was informed to ignore the last fee. It would be removed once the payment was processed. 

Instead of processing the payment, XXXX XXXX XXXX XXXX submitted the invoice to a collection agency. A past due balance was reported on my credit report by LANIER COLLECTION AGENCY. I have received no communication from this company. 

As of today, XXXX XXXX XXXX closed my online account ; therefore, I am unable to provide a copy of the online payment that was submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being submitted in light of XXXX XXXX  response to the recent " Overhaul of Consumer Records by the Credit Bureaus ''. I have reviewed my credit file and noticed the bureaus XXXX, EXP and XXXX  are reporting The below listed account that was not opened by me, I did not profit from the account having been opened. 
Policy states ... According to the FAIR CREDIT REPORTING ACT " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, 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 they are well aware, of FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.
Product: Debt collection

I received a bill for XXXX from linebarger hogan blair and Sampson for unpaid XXXX XXXX XXXX. It was XXXX bill received. Why did XXXX not send notice? When I called, they said- basically send a letter pleading your case. I sent XXXX dollar check for the toll and said I never got the toll bill. When I got second notice- I paid- too much trouble to keep fighting this scam. But you need to look and see how often this is happening-! especially vacationers. A nice little scam.