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. 

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: Checking or savings account

I am in the negative {$980.00} due to overdraft fees coming from funds that showed a positive and available balance but to have it all reversed putting me in the negative and lead to the closing of my account. Also the same has taken place with my business account as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, FINANCIAL CREDIT NETWORK INC add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. I had requested FINANCIAL CREDIT NETWORK INC to validate the debt and there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, FINANCIAL CREDIT NETWORK INC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

My account with 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 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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

why cant XXXX and equifax do like XXXX and delete all aconts but 3 that are valid thats all im asking i filed ftc report and police report and gave a coppy of both to thembut they keep ignoring laws they need to follow like providibg me with proof i signed for that and proof they offered me firm credit neither of which companys did and they keep telling me they did but yet offer no proof
Product: Mortgage

I had a mortgage with Bank of America ( BOA ). During the term of the loan, BOA changed the terms of the loan incorrectly, adding almost {$1000.00} to my monthly payment. I notified BOA and I only got replies from them that they would look into the problem. This lasted for six months ' time. BOA never resolved the problem. I paid off the loan subsequently and then contacted BOA and my attempts were rebuffed. Finally, BOA contacted me to work out the over payments, after I filed a complaint through CFPB. BOA and I discussed the matter and BOA made an offer to settle all moneys due. We discussed the settlement amount and a confidentiality agreement. BOA asked me to sign a letter to CFPB that we had reached an agreement. I refused and stated, not until all details were worked out and papers signed. BOA never signed any papers. BOA sent a notice to CFPB that we were 95 % in agreement and then CFPB closed the case. After the case was closed, BOA stopped talking to me and has not continued any further discussions to resolve this matter. I will attach a some emails from BOA 's attorney that shows BOA was in agreement that monies were due me. I would like BOA to pay me the extra money that I was forced to pay. This can only be done if CFPB opens another case file.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681n - Civil liability for willful noncompliance Willful noncompliance with the Fair Credit Reporting Act ( FCRA ) can result in civil penalties, including : Statutory damages : {$100.00} {$1000.00} per violation Actual damages : The consumer 's actual damages Punitive damages : As decided by the court Attorney 's fees : Reasonable attorney 's fees for the prevailing party The FCRA outlines civil penalties for both willful and negligent violations. A court can find a violation to be willful if it was knowing or reckless. 

Both accounts below said that its already deleted from Equifax but when I checked my credit report, both accounts are still showing as a collection on my Equifax report. See attached file for proof of the deletion that came from Equifax and proof of account were not deleted XXXX Account name : XXXX Account number # XXXX XXXX Account name : XXXX Account number # XXXX
Product: Checking or savings account

On XX/XX/XXXX, I deposited a XXXX check into my account for my XXXX XXXX I had received it back signed by him in the mail. I didn't know I also had to sign since it's going into MY account. I called Monday, was told that the funds would be available today. This morning my account was XXXX overdrawn. I called, was told they needed me to verify that it was approved by him. I called the bail settlement people that sent the check initially, put him on XXXX call to have them give me access when he isn't on the phone. They did that. I went into the branch was told they needed me to call and have my account taken off restriction. I call, they need a number for my boyfriend who I told them is XXXX  and he received the check FOR being XXXX.
Product: Credit card

Seeking review of my credit card accounts in support of SCRA for my military service dates from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$59.00} XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was property investigation but how is that, possible & the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1661 section 602 A. States I have the right to privacy 15 US. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not fumish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation and I already sent my cerfity letter in my pervious report 2 weeks ago as you will see in my history XXXX XXXX XXXX {$2700.00} ( I live in XXXX FL not Florida ) wrong location not me XXXX XXXX XXXX {$890.00} ( I didn't do that inquiry ) XXXX XXXX  {$1000.00} ( I didn't do that inquiry ) Hard Inquiries XXXX XXXX XXXX ( I didn't do that inquiry ) XXXX XXXX  ( I didn't do that inquiry ) XXXX XXXX XXXX ( I didn't do that inquiry ) XXXX XXXX ( I'm located in XXXX, FL not in GA ) XXXX ( I didn't do that inquiry )
Product: Credit reporting or other personal consumer reports

I find out new collection account from XXXX XXXX XXXX XXXX XXXX XXXX Original name : XXXX XXXX. ( opened : XX/XX/year> ) in my credit report with EQUIFAX only. I never had any deal with that company. First of all, I asked this company to prove to me that this is my debt and they didn't. If they can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history. This is hurting my credit.
Product: Debt collection

To Whom It May Concern : This letter is regarding account, which you claim I owe {$2300.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and RegulationE.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

UPDATED INFORMATION! CASE # XXXX Midland previously indicated that I owed this debt. on XX/XX/2022, Midland closed this account and removed the tradeline from CRAs.
Product: Debt collection

This collection agency Duke Capital said they are representing penfed. I never received any information that my account went to collection but I got a visit from the deputy sheriff saying I was being summoned to appear in court and I never heard of Duke Capital nor did I receive any phone calls or letters prior to that happening. I asked for validation of this account and the other items that I requested for validation and all they sent me was a payment history the 2 times I requested the other information XXXX XXXX XXXX tax form etc.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed incorrect items on my Transunion credit report. On XX/XX/XXXX, Transunion advised the debts on my credit report had been validated with the collection agency and determined to belong to me. On XX/XX/XXXX, I contacted Transunion via phone and inquired about the investigation process and was provided with no answers, so I sent a written letter requesting the investigation process. I am still awaiting this information. On XX/XX/XXXX, I attempted to access my credit report on Transunion 's website, I verified my identity, but was unable to access my credit report. I called Transunion and spoke with a representative on XX/XX/XXXX and was advised he could only assist with freezing or unfreezing my credit report, but could not assist in unlocking my account or provide any additional information. On XX/XX/XXXX, again I attempted to access my credit report, but I have been restricted from doing so. I also tried to use AnnualCreditreport.com to access my Transunion credit report and access to my report has been restricted, I was only able to access XXXX and XXXX. It is my belief that I am being penalized because I disputed items on my Transunion report that did not belong to me and Transunion violated my rights under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) by advising the debt was validated without actually completing an investigation.
Product: Credit card or prepaid card

I have a loan with Citi/Cbna. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and Citi/Cbna with no successful resolution. XXXX only reporting me late.
Product: Checking or savings account

Sofi restricted my debit card access without a email or response. I tried calling Sofi support and they were unable to address my issue for 2 weeks. Constant calling and leaving messages for no reps to get in contact with me, I had no access to my funds for weeks and finally got fed up and decided to transfer my funds out my account. 

When I tried to do so they flagged my account and said I had to contact support. 

Tried calling " Fraud Prevention '' this morning at XXXX but that number basically doesn't exist. I've called XXXX at every time of the day and it always tells you they are busy. 

Which means they have provided a fake customer service number that actually won't connect with anyone. I called the sofi rep and even SHE couldn't get in contact with them and said she has to email them. 

This is some of worst customer service I've ever seen from a company. Provding users with essentially a fake customer service number that actually never connects with someone to help is extremely shady.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am contacting you to express my concerns about several issues I've encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors.
Product: Bank account or service

I sold a product on eBay that was fully described as " for parts, not working '' at least four times. The specific defect was the XXXX. The buyer made a complaint to eBay that the XXXX was not functional and wanted to return the product. I declined. eBay made a determination that I had misrepresented the condition of the item as I included the phrase " BAD XXXX. Apart from this, the calculator appears to be fully functional and is in good condition ''. eBay asserts that i misled the buyer even though the buyers sole complaint is the XXXX is non-functional. 

eBay chose to decide in the buyer 's favor even though they did not give me an opportunity to provide evidence to contest the buyers multiple false claims. 

And this is where I would ask the the CPB investigate. PayPal debited my account {$19.00} without any knowledge of the claim submitted by the buyer. I content that PayPal does not have the authority to debit my account with giving me a full opportunity to present my case that the funds not be debited much as they would do in a typical merchant dispute
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ma, XXXX XX/XX/year> CFPB XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Request for Reinvestigation of Credit Report Items To whom this May concern, I am writing to request a reinvestigation of the following account ( s ) listed on my credit report. I believe that there may be inaccuracies or incomplete information associated with these items, and I would like you to verify their accuracy and completeness under the Fair Credit Reporting Act ( FCRA ). 
The account ( XXXX ) in question are as follows : Creditor Name : XXXX Bank Account Number : [ Include the account number as listed in the report, masking sensitive digits if necessary ] Reporting Bureaus : TransUnion, XXXX, XXXX Issues Identified : Inconsistent reporting of account status, high credit, payment status, and comments. 
To assist with the reinvestigation, I have attached a copy of my credit report highlighting the discrepancies in reporting across the bureaus. Specifically : The account status for XXXX is marked as Derogatory, whereas TransUnion and XXXX report the account as XXXX. 
The comments and payment status differ between the bureaus. 
Other inconsistencies include the high credit limit and additional details. 
I request that you : XXXX. Verify the accuracy and completeness of the information being reported for this account. 
XXXX. If any errors are found, correct them promptly or delete the account from my report. 
Please provide me with the results of your reinvestigation, including any updates or deletions made to my credit report. 
I have also enclosed the following : A highlighted copy of my credit report detailing the issues in question. 
If you require additional information, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 
Thank you for your prompt attention to this matter. I look forward to your response within the XXXX  days required under the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information on my credit report with Experian, XXXX  and XXXX  and on several separate occasions they take longer then the 30 days to process the disputes and have all told me if the creditor says its valid they will not remove the information even though the creditors can not and refuse to provide documents to myself or any of the credit bureaus validating the debts. 

Ive requested debt validation paperwork and written information to be provided to me in regards to their reasoning for denying my dispute and they refuse to send me information.