23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Last month I received an alert from XXXX that my credit score was dropped by XXXX due to Capital One reporting me being over limit by {$29.00}? The XXXX overlimit fee was paid immediately. I reached out to Capital One which stated they only report late payments. Needless to say XXXX dropped my score from XXXX to XXXX. UPDATE MY COMPLAINT WAS INVESTIGATED BY XXXX THEY ON GAVE ME XXXX BACK OF THE XXXX I HAD. SO I AM FILING A COMPLAINT AGAINST XXXX. I WAS NOT LATE OR OVER 30 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 30 - 60 DAYS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX credit card is garnishing my wages, i have paid them over 350.00 via garnishment and they have yet to update my balance owed on my credit report. I have contacted them multiple times, i have report the inaccuracies many times and each time they adjust the amount by XXXX dollar, so that the balance decreases. They have not been honest with their credit reporting practices. I have disputed them with XXXX, XXXX, and exper and each time they Continue to do the same thing and report incorrect info on my report which is damaging my score unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal dispute on an error being reported on my credit report on XX/XX/2020. I provided Equifax with proof of payment from the creditor XXXX XXXX XXXX with a payment confirmation. On XX/XX/2020 Equifax reported that the dispute was investigated and the incorrect damaging information was not removed from my account. Equifax dispute confirmation number is XXXX. I feel that Equifax failed to investigate the dispute and error which has erroneously damaged your financial standing and wish to escalate this matter to the CFPB as a violation under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting

I have information that is on my credit report this does not belong to me ... the address XXXX XXXX XXXX XXXX, MD XXXX and several accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXXThese accounts need to be removed asap I have filed police and ftc reports regarding this issue. Police ReportXXXX Report number : XXXX Officer Name : XXXX XXXX XXXX # XXXX XXXX police department
Product: Payday loan, title loan, or personal loan

On or about ( XXXX  ) XXXX, XXXX XXXX I took out a personal from the Navy Federal Credit Union while I was XXXX XXXX  for the amount of {$2500.00} with payments of {$160.00} over 18 months maybe 24. I made my first payment on the loan XXXX XXXX, XXXX. At the request of my spouse I borrowed an additional {$2500.00} XXXX XX/XX/XXXX ( I'm not certain exactly ). I just made a payment of {$270.00} this XX/XX/XXXX as my balance was showing {$530.00} with {$590.00} due. I sat down and did due diligence arithmetic on my payments. I have paid out in excess of {$11000.00} having only borrowed a principle amount of {$5000.00}. Now we all have heard of the term 'loan sharking ' and considering how much I have paid NFCU, I do not believe this term to be unreasonable in describing my experience.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report I notice XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX  have furnished alleged late payments to the credit reporting agencies. 
The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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. 
For any creditor to treat a payment as late you must prove the following : 1 ) Each Periodic statement ; and 2 ) The information required under 15 USC 1637 ( b ) of this title ; 3 ) was mailed out or delivered ; 4 ) 21 Days before the payment due date 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer!

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know you have not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1666b & 1637 ( b ).

In addition to the 16 USC 1666b requirements the alleged late payment that you have furnished is negative information and as a financial institution by law you are required to be in compliance with 15 USC 1681 s-2 ( 7 ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) NEGATIVE INFORMATION ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of notice ( i ) In general The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title.
Product: Credit card or prepaid card

Im submitting a complaint because the bank systems that issue and service my prepaid credit/debit card failed to reimburse my account for fraudulent charges reported correctly and timely to them, nor have they provided proof that I personally made these charges or received the benefits of these charges. They can not the charges are fraudulent. 
I received an electronic warning notice from my bank that an attempted purchase was occurring in the amount of {$210.00} on XX/XX/XXXX. I immediately called and insisted the customer service person not allow this charge, cancel my current card, and re-issue me a new card due to fraudulent activity. The representative also noted another {$50.00} fraudulent charge the previous day but said the {$210.00} charge had already been processed and I would need to report both as fraud. I wrote my bank per policy on XX/XX/XXXX and requested they remove the two fraudulent charges totaling {$260.00}. I was temporarily credited that amount until 6 weeks later when my bank provided electronic receipts from the merchants showing purchases were made online electronically WITHOUT NAMES OR ADDRESSES, not even a purchaser IP address. I called my debit/credit card customer service on XX/XX/XXXX and again requested proof of purchase, signatures, and delivery addresses but did not get a response. My bank reversed their credit for {$260.00} but never provided proof that I made these purchases or received good/services. They can NOT provide proof because I did not make these purchases and reported them as fraudulent. 
I have attempted to contact my prepaid credit/debit card issuing bank, the main bank affiliated with the card issuer, and the XXXX XXXX all to no avail. None of them have responded to my numerous complaints and requests to remove the fraudulent charges totaling {$260.00}.
Product: Debt collection

I am being garnished through my wages at this time without being notified by the Collection Agency.
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  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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance : {$790.00} ; XXXXXXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX : {$710.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX Balance : {$2800.00} XXXX XXXX XXXX  XXXX Balance : {$310.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Subject : Complaint Regarding Incorrect Personal Information on Credit Reports Dear Sir/Madam, I am writing to bring to your attention a serious matter concerning my credit report. I recently obtained a copy of my credit report from TransUnion and XXXX, and upon reviewing the information, I was astonished to discover several inaccuracies and erroneous personal details present on my report. I am deeply concerned about the potential consequences of these inaccuracies and kindly request your immediate attention to rectify the situation. 

These inaccuracies are of great concern to me, as they can have significant implications on my financial standing and overall creditworthiness. I understand that it is the responsibility of TransUnion and XXXX to ensure the accuracy and integrity of the information contained within my credit report. 

I kindly request that you investigate these discrepancies promptly and take immediate action to correct the inaccurate personal information.
Product: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXXXXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be fair enough. I demand your agency to remove this inaccurate report from my credit as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX  ( XXXX XXXX ) is inaccurately reporting on the credit reports associated with my social security number and this violates my consumer rights per the following information : There are several inconsistencies in the account information provided by the three credit bureaus : TransUnion, XXXX, and XXXX. 

Firstly, the Account Type Detail for TransUnion and XXXX is listed as " Auto Loan, '' while XXXX does not have any information for this field. 

Secondly, the Account Status differs among the bureaus, with TransUnion and XXXX reporting the account as derogatory, while XXXX reports it as open. 

Thirdly, the balance of the account varies between the bureaus, with XXXX reporting an {$8000.00} balance, while TransUnion and XXXX report a {$0.00} balance. 

Fourthly, the Payment Status field is inconsistent, with TransUnion reporting it as " Unknown, '' XXXX reporting it as " Collection/Chargeoff, '' and XXXX reporting XXXX as " Unknown. '' Finally, the Last Reported field shows different dates for each bureau. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and complete information in credit reports. Specifically, the FCRA sections that are violated in this case are : Section 607 ( b ), which requires that credit reporting agencies follow reasonable procedures to ensure the accuracy of credit reports. 

Section 607 ( c ), which requires that credit reporting agencies include complete and accurate information in credit reports. 

Section 611 ( a ), which requires that credit reporting agencies reinvestigate disputes and correct errors promptly. 

Section 623 ( a ) ( 2 ), which requires that credit reporting agencies report the date of last payment accurately. 

Overall, these inconsistencies are negatively impacting my credit score, and it's important to take action to correct any errors in credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

i never consented to authorize nor benefited from the following Accounts and Inquires, Block and delete them. If i have received goods and services from the furnished Accounts and Inquires, Let Transunion have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.
Product: Vehicle loan or lease

On or around XX/XX/2022 I received a response from Chrysler Capital XXXX Santander Consumer USA , Inc with threats of " repossession '' which would be a crime of embezzlement Definition : Fraudulent taking of personal property by someone to whom it was entrusted. Most often associated with the misappropriation of money. Embezzlement can occur regardless of whether the defendant keeps the personal property or transfers it to a third party. 
Historically, embezzlement became a crime because thefts were occurring in which the elements of larceny could not be met because the thief had the right to possess the funds ; thus, the prosecution could not prove the element of a trespassory taking. Meanwhile, proving embezzlement only requires showing either that the employee had possession of the goods or funds because of the employees position or that the employee had the authority to exercise substantial control over the goods or funds. Courts determine the question of substantial control by considering the employees job title, job description, and the practices of that particular company. Some states also have fraudulent conversion statutes, which provide for the criminalization of actions that border between larceny and embezzlement. The government can also charge individuals with attempted embezzlement. 

Methods of embezzlement differ. Some embezzlers skim off the top so that they continually acquire a small amount over a particular time interval. This method reduces the likelihood of being caught. On the other hand, some embezzlers steal a very large amount of the goods or funds on a single instance and then disappear. Sometimes company managers under-report income to their supervisors and keep the difference. 

The Internal Revenue Service requires that embezzlers include embezzled funds in their yearly income taxes. Upon returning the funds or paying restitution, the embezzler becomes eligible for a tax deduction. Failure to report embezzled funds as gross income can result in the bringing of tax evasion charges. 

Companies have created safeguards to protect against embezzlement. For example, they invented cash registers to ensure that gross sales equal the deposit at the end of a given day. Companies also divide duties between levels of employees as a form of oversight. Embezzlement in the face of split duties adds the difficult requirement of forming a collusive arrangement and likely requires split proceeds, lowering the payoff for each member of the arrangement. 

See White-collar crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED NUMEROUS TIMES IN THE PAST TO CLOSE DOWN A FRADULENT CARD THAT WAS OPEN IN MY NAME BACK IN XX/XX/2010 WHEN I BECAME XXXX YEARS OLD. MY MOTHER OPENED THIS ACCOUNT FRAUDULENTLY AND LIED ABOUT ME BEING JUST A 2ND AUTHORIZED USER TO THE CARD. SHE USED MY SOCIAL AS A PRIMARY USER OF THE CARD. I HAVE TRIED NUMEROUS TIMES IN THE PAST TO GET MACYS TO REMOVED THIS. THEY HAVE FAILED TO DO SO. XXXX  WAS THE ONLY CREDIT BUREAU THAT DID THE RIGHT THING AND REMOVE THE INQUIRY. I EVEN EXPLAINED TO THEM THAT ALL THE WIRE TRANSFER PAYMENTS WERE COMING FROM MY MOTHERS BANK ACCOUNT AND 99 % PERCENT OF THE PURCHASES. THE ONE TIME I USED THE CARD I RETURNED THE MERCHANDISE BECAUSE SHE TOLD ME THAT IT WAS HER CREDIT CARD AND I THAT I WAS ONLY A 2ND AUTHORIZED USER TO THE ACCOUNT. SO IN CONCLUSION, SHE OPENED A MACYS ACCOUNT IN MY NAME WITHOUT MY CONSENT, KNOWLEDGE, OR AUTHORIZATION TO DO SO. PERIOD
Product: Debt collection

This medical bill should not fall under my debt because I had my deductible met and out of pocket met at 100 % prior to the service date ( XX/XX/17 ) and the hospital allowed a XXXX into my XXXX  delivery without my consent and/or confirming he was in my network first. I have tried communicating with the debt collector and they were very abrasive and hostile towards me when I was trying to settle the debt. They have sent it into collections under both mine and my husbands name and have added over {$200.00} to the initial charge and wont give me a complete breakdown of what all of the charges are even for.