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

I received a notification from my credit monitoring service on approximately XX/XX/XXXX that I received a 60 day late payment status from American Education Services. For context, this loan was established in and has always remained in a positive status with on time payments. In XXXX, XXXX a family member made a large payment that placed the loan into a paid good standing status through what Ive now learned to be XX/XX/XXXX. Between the periods of XXXX through XXXX my contact information changed and my e-mail was compromised. 

Unknowing to me, my account went back into repayment status early this year. AES did not contact me at any point to inform me there was a delinquency on the account. Upon discovering the delinquency through my credit monitoring service, I contacted the company and immediately corrected the delinquency and updated all contact information. I explained my contact information changed and they unfairly reported me to the credit bureau. The representative told me I agreed to electronic delivery years ago which meant AES will never contact me by postal service mail. They had incorrect telephone numbers, email address, etc. They had my current mailing address but never sent a letter through post. 

As it turns out, the agent gave me incorrect information when informing me AES would not mail me a notice because I received a letter of delinquency on XX/XX/XXXX and another on XX/XX/XXXX. This is proven by my USPS informed delivery service ( attached ). The letter was dated XX/XX/XXXX. It has been widely reported on that the U.S. postal service is underfunded and has significantly slowed. Had I received some indication there was a delinquency in a timely manner, this would have been remedied immediately as shown by my immediate response after discovering the delinquency on my credit report. 

I do not believe this is a fair as I made every good faith effort to correct a communication mistake from AES. They had at least one accurate piece of contact information to reach me but failed to do so in a timely manner. Further, I do not agree with the idea that electronic delivery means a financial institution do not have make good faith attempts to reach you prior to administering punitive actions. Lastly, it should also be noted I suffered a medical emergency during the period of time my account entered repayment. Attachments demonstrate I was in recovery during XXXX. 

I have begged them to consider the nearly 9 years of time between required payments coupled with the lack of communication and incorrect information provided by customer service representatives to remove the derogatory remark on my credit. It is clear that I take my credit very seriously and acted within 24 hours of receiving notice. 

Please assist me with this. I am an XXXX XXXX XXXX in a high level role with the United State military and I would never operate in manner to hold clients or stakeholders accountable after a 9 year period without making every good faith effort to contact them. I hope the same from a financial institution.
Product: Credit reporting or other personal consumer reports

I would like to remove these fraudulent hard inquiries. I did not authorize them to pull my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

To whom it may concern : We, XXXX XXXX XXXX closed a refinance loan for XXXX XXXX XXXX on XX/XX/XXXX. An accommodation payoff was made to TD AUTO FINANCE through this refinance for acct # XXXX, vin # XXXX, XXXX XXXX XXXX Serires. 
Check # XXXX in the amount of {$19000.00} to TD AUTO FINANCE was paid on XX/XX/XXXX. XXXX XXXX  XXXX  has no interest in this vehicle as loan was an accommodation payoff through XXXX XXXX refinance. 
Please release title/lien release XXXX XXXX XXXX for this loan. 
If you have any questions please call us XXXX Recently i requested a lien release title from TD AUTO FINANCE but the refused to send out a lien release even i did everything they asked to get a docs from XXXX XXXX XXXX i was so frustrated try to get lien release from TD AUTO FINANCE since XX/XX/XXXX everytime i've called i got different answer from a different Rep, they just told me to wait 5-10 business days and keep waiting til today and the lien release never escalating to send out.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year>2024 I was on a payment agreement for XXXX. I made a payment and they said they never received it so I had to pay again. On XX/XX/year>2024 I made a payment and of {$230.00} and their saying they haven't received it and I sebt in proof from my bank and I been contacting them and emailing them everyday since XX/XX/scrub>XXXX  2024. Nobody has called me or emailed me to follow up. They reported to the credit bureau my account is past due and late of XXXX which is also incorrect information. Their stealing my money and marking my credit with inaccurate information causing my credit score to drop and causing it hard for me to move.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal actio XXXX XXXX XXXX Balance Owed : {$140.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C 1681e ( b ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX XXXX. XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account volates these laws : 15 USC 16815 : Account # XXXX, XXXX XXXX XXXX, Placed in Collections XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

XX/XX/2023 somebody applied on my name for a Credit Card from Barclays Bank Delaware for an amount {$29000.00}
Product: Credit reporting or other personal consumer reports

The presence of these inquiries and accounts on my credit report violates 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ) which goes against the XXXX XXXX XXXX XXXX. 

ACCOUNTS : XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) in GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, No consent is identity Theft.
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 : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX BANK Account Name : XXXX CREDIT Account Name : XXXX XXXXXXXX AUTO FINANCE 15 U.S.C 1681 Section 602 A states I have a 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 items 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 reason to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Accounts still remaining in question as of XX/XX/XXXX that do not belong to me : XXXX : -XXXX  XXXX XXXX Open balance {$830.00} -XXXX XXXX XXXX  medical balance {$690.00} -credit score incorrectly lowered on XX/XX/XXXX by XXXX points when no accounts were removed or added to credit profile. 

-Please remove all addresses and contact numbers incorrectly reported. Previously provided correct address and contact number Transunion- XXXX  XXXX XXXX Open balance {$830.00} XXXX XXXXXXXX Open balance {$410.00} Hard Inquiry-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX {$230.00} XXXX  XXXX XXXX Open balance {$830.00} XXXX XXXX- Open balance {$410.00} Hard Inquiry-XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX- {$250.00} XXXXXXXX XXXX  {$230.00} Delete all addresses- Current and only XXXX XXXX XXXX XXXX FL. XXXX XXXX-Current and only phone number delete all others. 

Also requested an annual copy of my credit report and was denied a copy. Please mail SSN : ending XXXX SSN : ending XXXX XXXX ending XXXX XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX- {$690.00} XXXX XXXX XXXX XXXX XXXX  {$830.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX {$230.00} XXXX XXXX XXXXXXXX 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
Product: Credit card or prepaid card

I have been a victim of identity theft and when I checked my credit report this account is showing as a negative account. I contacted XXXX, XXXX, Equifax and the original creditor XXXX XXXX XXXX and they all have been negligent and havent removed this account. It is negatively effecting my financial sitatuion which is causing emotional stress.
Product: Debt collection

I recently checked my credit report and noticed that this company has reported a debt that I have paid to another collection agency. It was paid to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is violating the FCRA and not adhering to the law governing such. The accounts are as follows : XXXXXXXX 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 

15 U.S.C. 1681 ( A ) ( 4 ) " here is a need to ensure that credit reporting agencies exercise their grave responsibilities with fairness and impartiality, and a customers rights to privacy. '' 15 U.S.C. section 604 ( A ) ( 2 ) " a consumer reporting agency can not furnish an account without my written permission.

15 U.S.C 1681 ( b ) ( 2 ) Permissible purpose of consumer reports. " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. C 1681 ( I ) Procedure in case of accuracy. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

XXXX has taken 60 days including the investigation. I have all certified mail receipts.
Product: Checking or savings account

On XX/XX/2020 I received a solicitation from Capital One Bank to deposit {$50000.00} of new funds from an outside source to my Performance Savings Account by XX/XX/2020 and leave it in the account through XX/XX/2020 and they would pay me a bonus of {$450.00} within 60 days of the end of the required deposit term. On XX/XX/2020 I transferred {$50000.00} from my High Yield Savings account with XXXX XXXX  to my Performance Savings Account at Capital One. That deposit remained with Capital One Bank until XX/XX/2020, which was later than the required term of the deposit to receive the bonus. It is now past the 60 days and Capital One has not credited my Performance Savings Account with the {$450.00} bonus in accordance with the terms of their solicitation. 
I have not contacted Capital One because : ( 1 ) I don't think I should have to since they made the offer to me, and ( 2 ) I am nearly XXXX and can not use a telephone and there is no email contact information on their website. 

I would request your assistance in requiring Capital One Bank to adhere to the terms of their solicitation and credit my account with the {$450.00} bonus. 

Thank you very much for your time and assistance.
Product: Money transfer, virtual currency, or money service

I sold all my crypto currency on coinbase and had them wire the money to my bank account on XX/XX/XXXX. Both ether and bitcoins. The transaction shows as completed in the app but I haven't received any payment on my bank account as of now. I did get in touch with customer service and they said they will investigate and will follow-up with me - this was on XX/XX/XXXX. I haven't heard anything back from them since although I followed up twice already.
Product: Checking or savings account

I contacted pnc on XX/XX/2020 regarding a few disputes that i filed. one for XXXX at XXXX  XXXX  the other XXXX XXXX that was 2 months ago for over {$300.00}. now i was told that my disputes are closed because previous paperwork was mailed out from this bank regarding more information. Which i never received. I am about 2 mins from closing my account out with this bank if they dont give me back my XXXX money. Its no more information that this bank needs for a claim because i have sent them everything. The next is to go to the news and expose this fraudulent bank. Ive been with pnc for 2 years and this is how they treat their customers no way.
Product: Credit card or prepaid card

I have been a loyal American Express card member for many years, and reach out to you in regards to the current XXXX offer to save 10 % up to {$100.00}. 


This offer was saved to many of my cards. 

I spent {$1000.00} on multiple cards, and received the {$100.00} statement credit on each card. 


I subsequently spent {$1000.00} on more of my cards and again received the {$100.00} statement credit for each card. 

There was a technical glitch with a few of my business green cards, where the system didn't recognize the charges hence the credits didnt post I had numerous conversation 's withthe American Express online Technical Department, namely XXXX and XXXX, and a case was opened with the Amex offers team to rectify the error. 



I received a response confirming that " all '' the cards were in fact eligible for the credit, and If said credits didnt post within 90 days they would manually process the credits. 



Attached is the email received on XX/XX/XXXX asserting the offer is limited to {$100.00} total per card member, and anything above that will be charged back. 



If American Express considers each card a separate product membership as it pertains to annual fees, it must also consider each card as a separate entity eligible for the offer In question. The fact that all the cards were initially credited, clearly indicated you concur with the above noted contention. 



The charge backs are dubious and we request they be reversed, anything less that would not fall under the umbrella of fair and honest business practice.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have attached NEW AND RECENT COPIES of my credit report from EQUIFAX showing that XXXX is STILL reporting an active payment history until XX/XX/2023 for account ending in XXXX. XXXX HAS YET TO PROVIDE A CLOSURE DATE FOR THE ACCOUNT TO EQUIFAX AS REQUESTED. EQUIFAX stated that until they are provided a closure date, the account will not be removed until XXXX  years from XXXX. I have also attached a recent letter from XXXX regarding their previous investigations into the account, but XXXX of their representatives informed me on a recorded phone call that an investigation NEVER took place and that is why the account is still reporting active and not closed as requested. She also mentioned that even though I have provided documentation directly to them and through the CFPB, XXXX NEVER reviews the documentation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

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. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING ACCOUNTS HAVE VIOLATED MY RIGHTS TO PRIVACY 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
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX  XXXX Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

Please remove these hard inquiries and accounts from my credit report, i do not recognize any of the fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Reference # 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 an account without my written instruction.
Product: Student loan

I have my loans set to auto-payment. Prior to loan repayment resuming, I checked to confirm that auto-payment was set and my bank information was accurate. On XX/XX/, I checked to ensure the auto-payment was set up and my information was accurate. I saw that my payment of {$420.00} was paid on its due date (XX/XX/XXXX ) but was immediately reversed, same date. My loans now say that they are past due, which will impact my credit score as I previously had a perfect record with paying bills. I put in a payment via quick pay on XX/XX/ to make a payment before the next due date so I am back on track and it would not accept the payment, despite accurate information. It repeatedly says " An error occurred. Try again. '' They just aren't letting me pay and it is ultimately impacting my credit and life. 

I tried to contact on XX/XX/ but was unable to get through via phone or a live agent.