23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX, although has the critical role of linking borrowers and lenders chose to provide incorrect information regarding Qualifying Payments made by me from the years XX/XX/XXXX-XX/XX/XXXX. I have been calling them, writing to get this resolved since XX/XX/XXXX. initially the servicer was XXXX XXXX and since XXXX has been assigned as the servicer, they have been providing misleading information regarding the payments i made in XX/XX/XXXX and XX/XX/XXXX that were taken directly from my debit card. Upon talking to XXXX today on XX/XX/XXXX, I was explained that it is my responsibility to comply with the criteria set forth in order for the payments to count toward the 120 Qualifying payments. I was not informed that the loan amount being paid was not the full amount and thus not being counted toward the Qualifying loan payments.Although this information was held from me during the times i contacted XXXX  in XX/XX/XXXX and XX/XX/XXXX and so i was unable to contact my finanacial institution to correct the loan amount that would satisfy the criteria for these payments qualify, XXXX representative stated that they can not confirm that i was given misleading information and there is nothing XXXX can do to rectify this situation as they can not be held accountable for me not keeping track of the loan amount. This is just unfair that these servicers are keeping pertinent information from borrowers so that they can make informed decisions. Misleading information and lack of help has been the pattern during my dealings with XXXX escalated team. Their practices should be questions and representatives should be held accountable for false information.
Product: Credit reporting or other personal consumer reports

I sent off a letter certified mail XX/XX/year> asking transunion to look into a dispute with XXXX XXXX XXXX Letter came back verified as correct. I then asked for the steps that were taken and what information was received to make that decision. A supervisor named XXXX XXXX called me and said she could not tell me what information or even know what was reviewed. This account with XXXX XXXXXXXX XXXX was placed on my credit profile without knowledge, the debt collector before this one was removed due to not having any documentation to verify the debt, as this is the same situation with the current debt collector. I will pursue a sue if this is not handled properly. I also sent consumers adjustment a letter certified mail and have yet to receive any response, this letter went out XX/XX/year>
Product: Debt collection

Reference # Creditor : XXXX Number # XXXX ( Open XXXX ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Credit Collection Service I XXXX XXXX XXXX XXXX a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g . I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF ALL DOCUMENTS LISTED UNDER REGULATION F 1006.18 ( e ) PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease and desist all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 U.S. Code 6802 ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

To whom it may concern, I have 2 separate complaints. XXXX for XXXX   and one for experian. 


XXXX  : Has not updates my score since 2019. No information on this report is accurate and it shows my score as a XXXX almost XXXX points less than XXXX  or Experian due to the bad information on the report. I reached out to them via email and have not heard back. They dont take calls. 

Experian : Does not let me dispute items on my report due to previous disputes. However I have a valid reason to file a dispute for the item I am trying to and they refuse to let me file the dispute. The information is not accurate this account was paid directly to the lender and resolved.
Product: Credit reporting or other personal consumer reports

I am formal disputing the reinsertion of an account that had been removed as fraudulent due a direct results from data breaches. Under FCRA section 611 ( a ) ( 5 ) ( C ) which prohibits the reinsertion of previously disputed items disputed items without proper notification and documentation. No such documentation has been provided to me. Also this XXXX XXXX  account XXXX had been blocked due to result of identity theft caused by the data breaches. Accordance to FCRA section FCRA section 605B ( 15U.S.C. 1681c-2 ) explicitly requires credit agencies to block and remove fraudulent accounts and inquiries within 4 business days days upon receipt of proper documentation. I demand their immediate removal along with the removal of all fraudulent accounts which consist or XXXX XXXX  account number : XXXX bal. {$1300.00}, XXXX XXXX account number : XXXX bal. XXXX but charged off at {$9300.00}, and additionally I am disputing the following unauthorized inquiries XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I use three financial online/apps and all of a sudden all three are not able to connect to my PNC Checking Account. 
The three are XXXX, XXXX and XXXX XXXX
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 consumers rights to privacy and confidentiality under 15 USC 1681. 

Dept of EducationXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account with out 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

XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute
Product: Debt collection

This debt was not not billed accurately by originator of debt thru medical biling error. This debt is also older then 7 yrs and was never reported correctly. This collection company that bought this old debt is now falsely reporting this debt as if it is recent showing XX/XX/2019 which is not true. I have had no contact with this company and it should provide the correct date of orig. billing collection at the very least which reflects orig date which should be date the the Physicans office that I had the dispute with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been submitting multiple written appeals to Experian regarding the fraudulent information being reported on my file. The last letter I sent to the Credit Bureaus was XX/XX/2022 with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the accounts I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the theft of my Identity. This Complaint is to follow up my Previous Complaints last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 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. The items listed below are the result of such crime and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

My ex-business partner opened up this account and went into default without me knowing... 

This situation has had a severe negative impact on my credit score and my ability to obtain credit to refinance my house or lease or finance a new vehicle. Since XXXX, Ive had nearly perfect credit. I never missed or made late payments. I worked hard to take my credit score from XXXX to all the way over 800 this past winter. 

Unfortunately, due to circumstances beyond my control, my credit score has dropped below 650. I had a previous business, XXXX XXXX, in which my ex-partner knowingly used credit cards that were in the business name, but had me as the primary account holder. He ran up the credit on this Chase Ink Card ending in XXXX to a balance of over {$41000.00}. 

I learned of this situation when I started receiving phone calls from Chase. I did not have the necessary resources to eliminate the outstanding debt at the time, so I decided to hire an attorney to sue my former business partner. Enclosed is a copy of the legal documents. 

After months of negotiation with his attorney, we finally reached a settlement agreement ( also enclosed for your review ) and he proceeded to pay off the balances on this account, as per the terms of the agreement, during the week of XX/XX/XXXX. 

Unfortunately, this occurred a few months too late since the late payments were already reported to all credit agencies, which had a severe negative effect on my credit score. This is true even though I attempted to explain the situation to the credit card companies and sent them copies of the litigation documents and settlement agreement. 

Respectfully, I am writing to ask you to please review my entire credit history and make your decision based on its totality plus the information I provided above and the enclosed documents. 

The fact is I had a nearly perfect credit score until this situation, which was beyond my control, occurred. My bills are always paid on time, and balances are paid in full, including my personal and business XXXX XXXX and Chase Ink cards. 

I am a family man and work as a XXXX  in XXXX. I work very hard to keep my credit as perfect as can be. My biggest fault is that I trusted my old business partner who is also a relative, a mistake I will not make again in the future. I believe this blemish should be removed from my record and my excellent credit score should be reinstated. 

Thank you for your prompt consideration, as it continues to severely impact the life of me and my family.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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 XXXX  days before the payment due date.

EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt or credit management

I have been using Lexington Law Firm since XXXX and I was charged an upfront fee for a credit sweep and credit monitoring services. Over a period of 10 years they have been contacting me to continue with there services. In XXXX I started back with the company to remove something off my credit which I was charged an additional amount plus a month subsciption that was deducted out of my account. I can provide bank statements if I need to. Could someone please inform me of what is going on with this company? I trusted them with my personal information and did not realize it was an illegal transaction.
Product: Money transfer, virtual currency, or money service

Throughout XXXX I sent multiple payments through Zelle without the app taking timely and appropriate measures to prevent, or detect fraud. Without any protective measures, the app violated my right in reference to the Electronic fund transfer act. I would like a refund on all payments made through Zelle app immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  aka XXXX fraudulently authorized a XXXX phone and service using false information and fraudlent identification. I have told there collection agency this is fraud and needs to be removed from. All XXXX credit buearus account was open XX/XX/2022 in the amount of XXXX XXXX
Product: Debt collection

I am writing to formally dispute an account on my credit report that I recently discovered after reviewing it for the first time. This review was prompted by my application for an apartment, which was denied due to issues with my credit report. 

Upon viewing my credit report, I noticed a Discover credit card account with an outstanding balance of over {$2500.00}. I have never opened or authorized the opening of this credit card account, nor have I received any communication from Discover regarding this account. 

Given that I had no prior knowledge of this account, I am concerned that it may have been opened fraudulently, or that there has been an error in reporting. I request an immediate investigation into this matter and for the removal or correction of this account from my credit report, as it does not reflect my financial history or actions.

The presence of this account is significantly affecting my credit score and, consequently, my ability to secure housing. Therefore, I would appreciate it if this issue could be addressed as quickly as possible. I also request a copy of any documentation that could support the validity of this account, including the original application, proof of identity, and any communication sent to me regarding this account. 

Please provide me with an update on the status of your investigation at your earliest convenience. Should you require any additional information from my end to resolve this issue, please dont hesitate to reach out. 

Thank you for your prompt attention to this matter. 

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

There is information on my XXXX and Experian credit report that has already been removed from my XXXX report. All consumer reporting agencies conduct the same investigation process so these items need to be removed. The Fair Credit Reporting Act states that I have a right to privacy and the only way a consumer report can be furnished is with the consumers written instructions. I never gave any consumer reporting agency any written instructions to furnish my information. Also transactions and experiences between a consumer and a person making the report are not supposed to be on my report as well. All of this is federal law the consumer reporting agencies have violated several of my federally protected rights and I need XXXX XXXX removed from all of my consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilitys.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is refusing to delete inaccurate out of date information on my credit report. As well as XXXX and XXXX. They refuse to delete unverifiable information I never authorized. They also are reporting my home as a business which was actually from the previous owner.
Product: Credit card

Bank of America refuses to allow me to use my credit card for internet purchases. I am only allowed to use the card for in person transactions that use the chip. Several months ago fraudulent activity was discovered by Bank of America. Since then, Bank of America will no longer allow me make credit purchases except in person with the chip. I have called Bank of America 6 times and am told it 's the merchants fault. That is false. I could not use my credit card for XXXX, XXXX XXXX XXXX, XXXX and XXXX.
Product: Vehicle loan or lease

Company violating XXXX by sending me other customers information via email multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : JPMCB XXXX Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain.

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX