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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : Original Creditor : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 60 days since I've sent letters to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response. I am trying to purchase a house and need answers soon. We have lost 60 days plus on this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my lender ( XXXX XXXX XXXX XXXX ) where in the process of getting me a pre-approval letter in which they had to pull and or do a HARD INQUIRY on my credit file. 

After reviewing my credit report, it appears that ( 2 ) additional separate manual request where done without my knowledge and/or approval i.e. XX/XX/XXXX, and XX/XX/XXXX all of 2019. 

My lender herein states that they only did one request, but when I spoke with the credit bureau ( today ), they verified that in fact ( 3 ) total where manually requested on the aforementioned dates! This generated ( 2 ) unnecessary and/or unwarranted Hard Inquiry hits to my credit file, and they need to be removed!
Product: Credit reporting or other personal consumer reports

Exeter : This is an account I co-signed ( XXXX, XXXX ) for my daughter XXXX XXXX who secured a loan with Exeter Finance. She paid on the loan until last year when she filed bankruptcy. This loan was charged off, however, they added it to my credit report with the full loan amount of $ XXXX. I've tried to dispute it several times. I know this is a subprime lender that has several lawsuits filed against by consumers. I have never had possession of this car. This loan has disqualified me from refinancing my home back in XXXX. 

XXXX  : I have paid these accounts in full. 
XXXX XXXX : This account has been paid in full. 
XXXX : {$800.00} - Incorrect balance and reporting dates. 
XXXX XXXX : {$500.00} - Incorrect balance and reporting dates. 
XXXX / XXXX XXXX : {$480.00} - Incorrect balance and reporting dates. 
XXXX XXXXXXXX XXXX  : {$730.00} - Incorrect balance and reporting dates. 
XXXXXXXX XXXX : {$1000.00} - Incorrect balance and reporting dates. 
XXXX XXXX : {$490.00} - Incorrect balance and reporting dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 1 year ago I removed all credit freezes from the credit bureau to secure a home loan. Within that time I have checked my credit corrected errors and updated information. My loan file can not move forward because Equifax now has an extended fraud alert and a telephone number on my file that I haven't used in decade. I called in verified my identity and can not get expedited assistance for my file to go back to underwriting
Product: Credit card

After i consulted with my medical provider, i was asked to speak to the billing coordinator prior to scheduling anything She provided me with literature about care credit financing attachment included It was aligned to me that there were various payment options available including promotions for interest free financing over periods of 6, 12, and 18 months. I was told my purchase would also qualify because it would exceed the minimum purchase requirement. I was also told that i would have to be approved for credit worthiness. The credit application was submitted and accepted. The purchase was made in the amount of {$4300.00} and automatic payment was subsequently set up for $ XXXX monthly which would coincide with 18 months of payments totaling {$4500.00} so that the balance would be paid by the promotional expiration. Since automatic payments and electronic statements were enabled no statements were viewed until within the last week when the balance was checked in preparation for the final monthly payment only to discover that the promotional rate had expired and we were charged the purchase interest rate approx {$1100.00} as well as a few months interest. I was immediately sick to my stomach as i was unaware of how this could have happened. After contacting my medical provider i was told repeatedly I 'm sorry there is nothing we can do we only offer 12 month financing. I explained that i had the brochure i was provided stating availability of 6,12, and 18 months promotions and that i was told we had the option of all three to no resolution. i took further action of contacting care credit, explaining the situation in full as well as requesting to speak to the dispute resolution department. I was told by the representative that the dispute department could not help me and would not speak to me. I asked the representative if she could assist me and was told no, i inquired who i could speak to about my situation to find a resolution and was told " nobody ''. I was left without any action and felt totally taken advantage of as well as left helpless and with guidance as to how to proceed. I plan on paying the full balance including the interest charges despite feeling completely ripped off and that i should not have to based on the following : Deceptive Enrollment Process- I was not provided adequate guidance making me aware of the available options, terms and conditions by the dr 's office and was never contacted by the credit company. 

Inadequate Disclosures- The only explanation offered about available promotions was through the dr 's office billing staff which aligned that i was able to use any of the available options in the brochure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/ 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

USBANK refused to respond to complaint XXXX filed with you XX/XX/XXXX due to my request for you to forward any replies from them to my dad because he is not on the mortgage. I am asking you to resubmit that complaint which they responded to which defines what is in my opinion predatory practices- misinformation- outright distortions and an attempt to foreclose even when they HAD the mortgage money which they maintained in a separate account and did NOT apply. The issue was over {$37.00} cents escrow. Complaints were logged with HUD and the XXXX XXXX XXXX   who informed me they could only raise escrow no more than XX/XX/XXXX. Confirmation with taxing and insurance indicated there were NO increases for XX/XX/XXXX and they informed me if any would not be available until later in the year. This issues started from day 1 of the forbearance - with their collections not aware or understanding I was on a forbearance program because of the XX/XX/XXXX storm in Florida- which HUD extended through XX/XX/XXXX. In my opinion while they continued to offer a renegotiation of the mortgage it was not necessary. Frankly, while I could use a modification I was very scared and concerned because of their method of doing business and demonstrated inexcusable incompetence which ruined my credit costing me addition money of financing a necessary used car purchase due to mechanical failure of my other vehicle due to that credit and they not moving to correct such. This placed me in severe financial hardship and difficulty further impacting me not only financially but placing me under mental and physical duress involving multiple trips to the ER. I was afraid to do anything with them because they never gave me a straight answer always different coupled with outright lies. They were rude, and arrogant at times and I had immense fear dealing with them. Complete documentation is available!
Product: Debt collection

I have received several letters from this company, implying that I owe a debt that is not mine. I do not have a contract with this company nor do I know anything of this if they found me in error, I asked for a contract bearing my wet signature and today, I still have not received it. I would like them to stop negatively reporting on my credit and stop contacting me about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, In accordance with the fair credit reporting act, this creditor has violated my rights Under 15 U.S.C. 1681 section 602 states, I have a right to privacy. 

Under 15 U.S.C. 1681 section 604a section 2 a consumer reporting agency can not furnish an account without my written instruction.. 

Under 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation I would like to demand the XXXX XXXX XXXX  stop reporting this account on my credit report because they are injuring my credit profile and violating my rights. 

They are reporting on my credit report knowing they have not validated the debt according to 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation. 

This account also communicates charges that do not belong to me. I have asked the XXXX XXXX XXXX to Explain in writing what is an initial late {$310.00} fee and where I agreed to pay every month for six months in the state of Georgia. My rent was NEVER late but my rent was refused by the leasing office. Rent was refused for unit XXXX ( see attachment below ) therefore it would be impossible for XXXX XXXX nor XXXX XXXX XXXX to try to collect the initial late fee late {$310.00} payment for six months. Please provide me with any supporting documents that XXXX XXXX tried to collect rent from me. 

This account is also reporting a {$200.00} paint fee, I have already paid an {$130.00} clean move fee and the company did not return my security deposit therefore they can not keep charging me fees on top of expenses. The apartment has to be repainted every time its rented. My unit has normal wear and tear. 

Please Permanently delete it from my credit report because this account has fraudulent charges being reported that do not belong to me. The law is clear and well establish. Under 15 U.S.C. 1681 section 602 states, I have a right to privacy and Under 15 U.S.C. 1681 section 604a section 2 a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Experian and XXXX dropped credit score 2 times claiming late payment on car loan. I was never late. Car finance company and car lot verified I made payments. Both credit reporting agencies still has not corrected credit score and stopped raising credit score showing payment made. 
First late payment was XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  My score averages was XXXX on them. Credit Score on XXXX is about XXXX and that one does not even have my car loan on it to reflect on time payments. 
Car financial and car lot attempts to contact and correct information has only finally got them to remove late payment. They still have not credited back my credit score they falsely claimed that dropped it. 
I personally filled dispute and numerous times attempted to contact them and zero resolution in this matter. With what they have falsely claimed has impacted my credit score in dropping it about XXXX XXXX XXXX XXXX XXXX 
This situation has created being denied multiple times in renting a place to live. Which has resulted in me staying with someone. 
Both XXXX and Experian has made it almost impossible for me to access information. I get pay for membership for that information. I can not even see my credit score on XXXX without paying for it. I got what screenshots I could to help show proof. Which detailed information about everything I have to pay monthly subscription for access
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Reason : Miscellaneous Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 



Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 



Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged postings of charges and credits. The issue aligns with the recent CFPB findings against Navy Federal for similar practices with insufficient balances despite initially available funds. I believe these practices unfair and request and investigation into my accounts transactions.
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 Bank 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 XXXX 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: Money transfer, virtual currency, or money service

my cash app was hacked by someone named XXXX XXXX d.o.b XX/XX/XXXX he stole XXXX $ and cash refuses to refund my money or take action
Product: Credit reporting or other personal consumer reports

I looked at my report on XXXX and started noticing inquiries that were not mines. Ive tried several times reaching out to inform to my fraud alert and fraudulent activitys but no access these accounts ante not mines XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Obtained Credit Card from Lowes to purchase Washer & Dryer. Credit Card turned out being a Synchrony Bank Card. Original Balance at time of purchase was {$1500.00}. Since XXXX 2014 I 've paid {$1100.00}. Synchrony Bank is still showing a balance of {$1400.00}. I have paid more than the minimum payment each month. They count payments as late even though I have paid ahead each month and have paid more than the minumum, and hit me with an additional late fee each month. In adddition they have reported my account as late to the credit bureaus. I 'm sure that I 'm not the only XXXX they are doing this to and a cnother class action law suit needs to be filed, but I 'm not sure how to do this or find out if there is XXXX I can join. I have tried calling Synchrony but they just continue to hang up on me and insist tat they can do what ever their policy says they can do apparently regardless of whether or not it is legal, ethical, or immoral.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I attempted to get information to verify debt and disputed debt with this company. I asked for validations and proof of accounts or contracts and never received it. I never did any business with this company.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I made a transfer of {$4600.00} trough REMITLY they suppose to deposit the money in XXXX hours, it pass already 10 days and I been calling to see what is the problem they continue giving me just false excuses at the beginning they told me that the bank who hold the money is requesting from me to fill a form with more of my personal information I did it I submitted it and after that they been telling me a numerous of different lies because every time I call them they just don't know why the money is not deposit in the bank of the recipient or why they don't canceled the transaction and return my money, they said is in revision but they are not requesting from me nothing else from me so I need your help because I can't do anything else to get my money back.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple letters to XXXX and Experian about account XXXX Funding submitting a collection account for an amount that I had to contract with them to being with. Letters were sent via certified mail XXXX/XXXX/XXXX and also XXXX/XXXX/XXXX. I asked them to give me verification with my SIGNATURE and contract on file with them. The only they have sent back to me was a bill which was not with them to begin with. According to the FCRA when asking for validation for an account it should be sent with my SIGNATURE and it has not. While looking at my credit report XXXX is listed at 2 different addresses with one in the state of South Carolina, the other Nevada.
Product: Debt collection

XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE XXXX EMAIL XXXX Attorney for plaintiff XXXX XXXX XXXX I have told them every time they send someone that they have the wrong person. I have emailed them screen shots of the correct person and as much info as I could find on XXXX. They keep serving me even after I sent a photo of part of my drivers license showing my date of birth is different than the person they are looking for. They continue to go forward with processes as if the correct person was served. This isn't fair the the other person, as they will not be able to go and defend themselves. My credit score is excellent and I plan to sue if their XXXX up alters my score or my finances in any way. The person I talked to on the phone was not pleasant either. I want them to find the correct person and leave me alone. 

Sincerely, The XXXX XXXX XXXX