23daVinci/CFPB_Complaints huggingface dataset:
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.

US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, US DEPT EDXXXX, US DEPT ED XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original XXXX : XXXX XXXX  ) XXXX XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX PA ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX PA ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX PA ) 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

In XX/XX/year>, I received a written communication from Professional Debt Mediation ( PDM ) regarding a payment of {$5800.00} owed to XXXX at XXXX XXXX, an apartment complex in XXXX XXXX, XXXX I contacted PDM via phone several days after receiving the letter to notify them that this is the result of identity theft. I was instructed to provide a police report showing this as an open case. I have never lived in XXXX XXXX, Florida, and this issue is due to identity theft. I have an open case with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ) where we are attempting to pursue the individuals causing these issues. The XXXX has informed me that they have discovered an identical photocopy of my XXXX Drivers ' License. 

Attached to this complaint are the following : XXXX. Letter from PDM describing the delinquent account at XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( open case regarding identity theft associated with my Driver 's License ). 
XXXX. Letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX notifying me that a fraudulent copy of my Drivers ' License has been discovered.
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. 

List of Unauthorized Inquiries : XXXX 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  - 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: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Almost 4 years ago I went into a Wells Fargo and tried to get a credit card with a XXXX credit score. They told me that because I had no open trade lines that I would need to place a deposit on the card and that after 12 months of payments my money would be returned to me. And I would have a graduated credit card. This hasnt happened in 4 years, they say because I was a few days later here and there over 4 years is why my account hasnt been upgraded. Because they have been fee harvesting me for hundreds and hundreds of dollars. And refuse to upgrade my card. Other lenders see this card and dont want to extend me credit. This card reporting as secured is damaging my credit profile. And my ability to get housing and low rates on transportation and vehicle loans. 

According to the fair consumer credit act payments up to 30 days may not be used to my detriment. Only payments 30 days and over are recognized under this statute. However Wells Fargo uses this as legitimate reason to damage my credit profile. 

XXXX XXXX. 






XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Experian Information Solution po box XXXX XXXX TX XXXX Re : XXXX XXXX XXXX XXXX XXXX. # XXXX CERTIFIED MAIL ; RETURN RECEIPT REQUESTED Dear Sir or Madam, I have obtained a copy of my credit report, and it shows late payment on the above account. 
Specifically, it states that I was 30 days late on a payment showing XX/XX/year>. This is very disturbing, and it is doing serious damage to my credit rating. 

As you know, you are required by law to make sure that my bills are accurate. You must send my bills to my correct address, change my address when I request it, promptly and accurately record any payments I make, and apply late fees and charges only when payments are, in fact, late. 
I hereby request that you take the following steps to remedy the situation : 1. Send me a notarized statement attesting to your compliance with all provisions of the Fair Credit Billing Act with respect to my account.

2. Provide documentary evidence of my indebtedness for all charges for which you claim I made late payment. 
XXXX. Provide documentary evidence of timely billing and timely posting of all payments made on this account, whether or not you claim they were late, from the date the account was opened through the present. 

If you can not provide the statements and documentary evidence required, then I insist that you delete all negative references from my reports to Experian,. If I do not receive all three items itemized above within the period prescribed by law, I will expect to receive written notification that you have, in fact, made the required deletions from my reports and that you have removed from my file any reference to the disputed late payments. 

Please attend to my requests promptly. Time is of the essence. 
To verify my ID and my address, I am enclosing copies of drivers license and a recent bill. 


Sincerely yours, XXXX XXXX
Product: Debt collection

Trident assessment management showed up on my free credit report and has never contacted me in order to collect any debt nor has validated my alleged debt. The date showed up as XXXX and was on my credit report in XXXX. They maliously smeared my credit score and I have never had any time nor information to settle this alleged debt before they took unlawful action. I have contacted a lawyer and this is my last attempt to settle this before I take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine under estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. 
The company has acknowledged this error and aware about my disability due to work injury and has committed to updating the status and do not report anything late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. Specifically, regarding the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have contacted XXXX and XXXX XXXX XXXX   several times concerning my inquiries and they have refused to remove the fraudalent inquiries and accounts off of my credit report. This is causing me major financial damage. Also USAA Savings Bank is reporting a fraudalent auto loan in my name. XXXX XXXX XXXX XXXX is also doing the same thing. I have been a victim of identity theft and all of these companies have failed to correct the inaccurate information. XXXX is also reporting collection accounts for student loans. These companies need to be made liable for iaccurate reporting and are violating my federal rights under all of the FCRA 605, 623, AND 611. IF INFORMATION IS NOT CORRECTED MY ATTORNEY HAS NOTIFIED ME WE WILL GO TO FEDERAL COURT FOR SERIOUS COMPENSATION AS WELL AS MY FEES PAID FOR LEGAL SERVICES.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against TransUnion Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : Account Number : XXXX High Balance : {$15000.00} Last Verified : XX/XX/XXXX ( TransUnion ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX ( TransUnion ) Account Rating : Closed Account Description : Individual, Closed or paid account/XXXX balance Dispute Status : Account not disputed Creditor Type : Auto Finance ( TransUnion ), Auto Financing ( XXXX and XXXX ) Account Status : Closed Payment Status : Current Creditor Remarks : Closed ( TransUnion and XXXX ), Closed or paid accountXXXX balance ( XXXX ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$0.00} Two-Year Payment History Discrepancies TransUnion : Reports 30-day late payment for XX/XX/XXXX, which is inaccurate. 
XXXX : Reports 30-day late payment for XX/XX/XXXX, conflicting with other bureaus. 
XXXX : Reports 30-day late payment for XX/XX/XXXX, which does not align with payment records. 
Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed that there was a hard inquiry that was not mine on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is incorrect with Transunion : 1. Incorrectly reported a high balance with XXXX XXXX XXXX  from XXXX and from XX/XX/XXXX XXXX. 
2. Incorrectly reported a high balance with XXXX on XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX. 
3. Incorrectly reported a high balance with XXXX  XXXX  from XXXX 4. Disconnected from phone call with Transunion. 
5. Transferred to Transunion employees in XXXX which provided conflicting customer service answers to questions.
Product: Credit reporting or other personal consumer reports

I have been paying the Mortgage Co over 4 years for my home and have never been late. XX/XX/year>, Freedom Mortgage erroneously reported my account 30 days past due. I learned that they had placed the bank routing number as my account number and listed it twice as the account and routing number. Although Freedom Mortgage had the correct information on file from my previous payments, as confirmed by their workers ; they did not correct the Internal error. Freedom Mortgage chose to ignore this fact and reported the account as late. If I had not called in, I would never had known. Even their automatic system kept saying, " your XX/XX/year> payment was received on time. '' Although their action is a direct violation of the Fair Act Credit Reporting, they refused to correct their error. I would like this removed from my credit report ASAP. Thank you for your assistance in this matter.
Product: Credit card

I've consistently maintained on-time payments for this account, ensuring they never fall behind schedule. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made for any errors.
Product: Mortgage

I have an XXXX reverse mortgage that is assigned to NoVad Management Consulting. 
I have been requesting an account statement for at least the last 3 months with no response. XXXX was the previous servicer and I received regular statements from them. I need the statement to evaluate the possibility of refinancing or paying off the loan. 

XXXX XXXX XXXX FHA Case # XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX
Product: Bank account or service

On XX/XX/2016 XXXX was contacted via telephone to have our accounts closed. The representative on the phone stated that this will happen once the account has a zero balance. The representative proceeded to reverse a bank fee to bring the account to a positive balance then assured us that the account would be closed. We proceeded to receive a check for the full balance of our brokerage account via US Mail. At this point, upon checking we found that our other accounts were still open and instead of having a zero balance, the checking account was negative. We proceeded to contact XXXX via telephone only to be told that the account was n't closed due to the balance that was positive when we initially called, now being negative due to XXXX fees charged. When XXXX was contacted most recently on XX/XX/2016, the representative first stated that the account was not able to be closed due to the negative balance from XXXX 's fees. Towards the end of the call the representative claimed the we never contacted XXXX to have the account closed, which is 100 % incorrect.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX. XXXX XXXX XXXX ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX. XXXX XXXX XXXX ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX XXXX XXXXXXXX XXXX ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX BEING CHARGED TWICE FOR THE SAME DEBT 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX I received notification from XXXX that one or more of my identity monitoring services had a new notification. Upon investigation, I found that XXXX XXXX  in XXXX MS had initiated collection services for a loan account opened with them on XX/XX/XXXX, Acct # XXXX. I contacted XXXX XXXX  by phone on XX/XX/XXXX to inquire about the loan and found that it was an account opened by a family member who used my personal information to open a joint account without my permission. XXXX XXXX  requested that I submit a request to have my name removed from the account. I submitted such request by e-mail on XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX requesting that I dispute the account through TransUnion to start the investigation. I submitted the dispute through TransUnion on XX/XX/XXXX and received a reply on XX/XX/XXXX stating that the dispute had been verified as accurate. I again corresponded with XXXX XXXX  on XX/XX/XXXX asking why they wanted me to initiate a dispute through TransUnion if they were simply going to verify the account as accurate. I have no confidence that XXXX XXXX  will act responsibly to resolve this dispute. They are giving me the runaround while negatively affecting my credit profile. They never verified with me that I was joint on a loan. Nor I have ever received any correspondence from XXXX XXXX  concerning this account. XXXX XXXX has failed to act responsively concerning this matter.
Product: Debt collection

Company LVNV funding Account number XXXX is repeatedly calling and falsely accusing me of owing the company debt I have never done business or had any financial transactions with this company.
Product: Checking or savings account

On XX/XX/year>, I applied for a new TradeStation Securities account on their website, www.tradestation.com, in response to a new-customer promotion that was advertised on their website : " Get an extra {$150.00} in your account when you deposit {$500.00} or more into a new TradeStation Securities account XXXX Open a TradeStation account using offer code XXXX and maintain a balance of {$500.00} and look out for your reward ... '' The promotion was valid at the time of my application submission. I submitted a completed application with personal information, including photos of government ID, self-portrait photo, residence address, mailing address, phone number, email address, income, net worth, employment history, and years of investing experience. 

After submitting, I received an automated email stating my application was being processed. 

Despite no updates, I called TradeStation 's New Accounts team on XX/XX/year>, and spoke with XXXX XXXX, XXXX XXXXXXXX, who informed me that TradeStation could not honor the promotion as it had expired. XXXX subsequently advised me that there was a new promotion at TradeStation offering a {$150.00} bonus when depositing {$5000.00} or more, effectively baiting me with XXXX offer and then switching it for a less favorable one after I had already applied. 

This lack of communication and failure to honor their advertised promotion, amounting to a bait-and-switch tactic, raises concerns about TradeStation 's credibility and transparency. Additionally, TradeStation 's actions appear to be an attempt to fraudulently farm personal and private information from prospective customers, which is deeply concerning.
Product: Debt collection

My lawyer XXXX XXXX XXXX. Contacted midland collections. We came upon an agreement to pay on the XXXX of every month. I was told that I can send my payment in three different ways telephone, mail and online payment. After trying to log in on. XX/XX/25 I was told that I could not make a payment online it was refused by their website along with the wrong information upon the settlement. After calling in on XX/XX/25 again being refused to make a payment online I was told by a representative that I can make the payment by phone. After trying to make this payment over the phone my payment was refused again. I have contacted my lawyer and they have not gotten back with me. But, this is by far unfair practices. I am not able to make a payment online or telephone. And they explain to me that I would not be able to get a receipt. And that my lawyer would be the only people getting a receipt. Also in my screenshot you will see that the debt amount is wrong and they were charging before agreement was made. This is frustrating. 


Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX are accounts on my credit report as results of identitys theft. Ive never done business with either company! Ive reached out to both companies informing them of the theft, XXXX XXXX  has already took the step to stop reporting to XXXX and its been delete. XXXX a victim of the EQuiFaX data breach I believe my identity has been stolen as result of that!