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

I sent a letter on XX/XX/2021, regarding erroneous and unexplained items on my credit report, and I have yet to receive a response after more than 60 days. I feel like I'm being exploited and my disputes are being ignored. It is clearly stated in Section 611 ( a ) that failure to investigate these matters within 30 days gives a justification to remove those items from my credit report. You must complete this investigation within 30 days of the receipt of this letter. According to law unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Product: Money transfer, virtual currency, or money service

I would love pay pal to stand up to there part on protecting people for using there services. XXXX XXXX
Product: Bank account or service

My bank continues to charge me overdraft fees even though I refused to opt in to such a " service ''. I was under the impression ( please correct me if I 'm wrong as I am no expert ) that unless I set an account to automatically withdraw from my account ( currently only my Landlord and XXXX do so ) that they were not legally allowed to do so unless I opted into such a " service ''. I most certainly did not. Please help.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account XXXX in XXXX XXXX XXXX This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXX  late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Product: Mortgage

This is a pick a pay loan that was found by the courts to be illegal. Tried to get a loan mod since XXXX .sn.servicing sent me loan mod packet .then said we owe to much to quality. Its not my fault XXXX XXXX dragged there feet for 11 years
Product: Money transfer, virtual currency, or money service

I was instructed by what I later found out was an imposter to pay some vendors on a XXXX job I was being hired for. I was instructed to send two money grams to XXXX XXXX ref # XXXX for {$1300.00}. and XXXX XXXX ref # XXXX for $ XXXX- they are nothin XXXX XXXX . The check given to me to pay this ended up being bad.
Product: Credit reporting

My XXXX account is showing late payments on my account from XXXX - XXXX XXXX. This account was charged-off initially and then I Paid it in Full. The account was charge off in XXXX and I 'm not certain why they are showing late payments in XXXX. I also had made settlement arrangements with them for this account, which I paid. As per the settlement agreement they were to notify the credit bureaus that this account has been paid-in-full and have the charge off and late payment status removed from your credit file. I sent a copy of this letter to the XXXX credit bureaus along with proof of settlement payment, etc. The credit bureaus DID NOT UPDATE MY ACCOUNT properly. I 'm in the process of trying to purchase a house and I need to have all my credit information reported correctly. First, the late payments are incorrect, Second, per my settlement agreement the information is incorrect.
Product: Student loan

I have a delinquent student loan. For several years, tax refund money has supposedly been credited towards the balance. I have received no documentation from the student loan that they have ever received money and no specifics from XXXX XXXX as to where the money was sent. I need a complete accounting from XXXX parties to make sure that the monies were handled appropriately -- since I have never seen any change in the balance I owe. Do n't know where to begin to resolve this -- I now have a collection agency threatening garnishment of wages. There must be some system in place to document where and how these monies are being appropriated??
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violate my rights.

15 U.S.C. 1681 Section 604 A Section 2 : States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Equifax is locked. I have tried for over 60 days to get it unlocked by calling Equifax at XXXX, as noted on the website. After speaking with 10 different representatives, two of which were supervisors, and having to change my password 9 times, I am still unable to access my account. Supposedly, my issue was elevated to some office three times to get fixed. That hasnt worked. 

Since no one to whom I spoke could tell me which headquarters office could assist me, I addressed the issue to Mr. XXXX XXXX, Chief Data and Analytics Officer, on XXXX XX/XX/2019. I stated to him that if his office is not the one who can resolve my issue, please forward my letter to the correct office.I have not received a reply. And my account is still locked.
Product: Credit card or prepaid card

I was charged a past due fee of {$38.00} on XX/XX/2020 My Payment due date is & was XX/XX/2020 & was paid on that date! 
I received a confirmation of my payment being made along with a confirmation # of their receiving the correct amount I have attempted to correct this with the credit card companys representative & Senior management department on XX/XX/2020 & XX/XX/2020 They have refused to correct this fee They always have a different story or reason as to why
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND 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 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 AND 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 or other personal consumer reports

My identity has been stolen and the criminals are using my information to obtain items and services in my name. Rental car vehicles have been rented in my name with a fake drivers license. The drivers license number matches my real drivers license number and this has been confirmed by the rental car companies. I have filed multiple police reports with different agencies because this is not an isolated issue. However, all companies have investigated and verified I'm not liable except for XXXX which has added collections to my name that needs to be immediately removed. I've already spoken to a representative on behalf of XXXXXXXX XXXX XXXX company by the name of XXXX XXXX from XXXX and discussed the case. This needs to be deleted and blocked immediately from my report. 
Account # XXXX {$310.00} ; Account # XXXX {$1000.00} ; Account # : XXXX {$750.00} ; Account # : XXXX {$2100.00} ; Account # XXXX {$730.00} ; Account # : XXXX {$670.00} ;
Product: Money transfer, virtual currency, or money service

I got Bitcoin as a birthday gift back in highschool, and hadn't touched the account since. All of a sudden I decided to get into crypto, but they said my account was locked due to fraud reasons, so I sent my license and bank statement to prove my identity, and then they said they couldnt help me or give my funds back. They refuse to re enable my account. Coinbase is just horrible.
Product: Credit card

Contacted the company I purchased through. They approved the refund and stated the seller must pay return shipping. I had to provide the seller with the fee first for then to approve the cost of the return for reimbursement. The seller would not approve. The company stated they could give me future credit. I advised I wanted to send the broken item back and I do not want a credit. They have a guarantee that item must meet expectations or refund is provided. The eventually stopped responding. I started a dispute with citi card and they kept saying they didn't get the evidence I provided where they said I would get a refund from the seller. Citi finally said they got the evidence and dispute will be resolved by XXXX. They will no longer help. I received damaged goods I want to send back and get a refund and no one is cooperating.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

ACCOUNT NAME : XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an update to my credit report on XX/XX/XXXX and my account is still inaccurate. Ive requested for this account to be deleted due to years of incorrect reporting and damages. Every detail of this account was inaccurate, but yet you considered to state this is a validated account? Removing information that I advised you was incorrect from a previous dispute and still not reporting accuracy is still a violation of ( FCRA.-Per 15 USC 6802 & 1681 A ) ( B ) ( C ) & 15 USC 1602 ( L ) ) and re-aging. After the dispute your company has now removed information that you had inaccurate with blank information but is still reporting and account paid in XX/XX/XXXX and a collection marked in XX/XX/XXXX with no history of late payments, which we know that an account cant be a collection without history. This account was never a collection account. Also, the delinquency dates can not be missing and is illegal because of Re-Aging. and again is against the law. There is no evidence of this account ever being a collection account. 
You received a written demand for this account to be deleted due continuous negligence in accuracy and damages. Please keep in mind that I have reports of where this has been incorrectly being reported on my report for years that has caused affect to my pursuit of happiness which is prohibited by law. I have asked you to delete this account not remove inaccurate information... but to remove the account as an entirety because the entire account is erroneous and has caused damages to my pursuit of happiness. Accuracy is detrimental and this need to be removed. 

Attached is the account before the dispute and the account after the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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: Debt collection

Please see attached, I looked at my credit report & saw this account on my report that was inaccurate, I sent out numerous requests to the debt collector and credit bureau to reinvest this account with no success. Im in the process of buying a home for my family & this item on my credit report is hindering me.
Product: Student loan

My XXXX XXXX XXXX XXXX  is supposed to be switching to MOHELA from XXXXXXXX XXXX XXXXXXXX. I never had an issue when it was them. I have been on the phone almost 3 hours this time and have many other calls to them to try to figure out what happened as my load went to XXXX. I have called XXXX many times as well and their answer is that MOHELA needs to request the loan. I submitted my form on XX/XX/22, it states it is processed, but they have never requested my loan from XXXX and can't tell me why. Today they said that they have the information but aren't sure why it isn't put through. I have five years of my ten required to get my loan forgiveness. As a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for 20 years, this is by far the worst customer service I have ever seen. I need someone to help me resolve this.
Product: Student loan

Per the Family Educational Rights and Privacy Act as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal. Opting out of student loan reporting.
Product: Credit reporting or other personal consumer reports

Per code USC 1681c-2 A consumer reporting agency shall block the reporting of any information in the file on a consumer that the consumer identifies as information that resulted in an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Per accounts should not be furnished on my consumer report as they are a VIOLATION!!!! PER, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the existing circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

In accordance with the Fair Credit Reporting Act XXXX Acct # : 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 instructions. 

15 USC 1681- Permissible Purpose Account number XXXX. A Charge-off is considered income ( according to the IRS ) Income is forbidden to be on a credit report per 15 USC 1581 2Ai - no transactions or experience are allowed to be on a credit consumer report. 

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report Account Name : XXXX XXXXXXXX Account Number : XXXX Consumer reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum accuracy. 

I contacted Experian and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature. They have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.
Product: Money transfer, virtual currency, or money service

I wanted to cash my first paycheck with Bank of America, and they put an eleven hold on it. Can't pay for rent now. 
Called customer service, went to a branch, manager said there was nothing they could do. Unacceptable
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding identity theft and fraud that I have experienced, which has significantly impacted my credit report maintained by TransUnion. This complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX ( XXXX U.S.C. XXXX ). 

Over an extended period, I have discovered multiple accounts that do not belong to me and were not authorized or initiated by me. These fraudulent entries have resulted in numerous hard inquiries, collections, and late payments appearing on my XXXX credit report causing immense embrassments and the inability to secure credit for housing or transportation. 

I have compiled a detailed list of the fraudulent accounts in question and have attached it for your review, along with an Affidavit of Dispute and an Identity Theft Report. The accounts, collections, and inquiries that I do not recognize are directly attributable to identity theft, specifically related to the XXXX XXXX XXXX and other historically data breaches. 

Moreover, I have included a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) from the U.S. Federal Trade Commission XXXX which further substantiates my claims regarding the fraudulent activity on my credit report. 

I kindly request that you take prompt action to investigate and remove the fraudulent information from my credit report within the mandated XXXX business days upon receipt of this complaint. 

Thank you for your attention to this urgent matter. I look forward to your timely response. 

**Attachments : ** 1. List of fraudulent accounts 2. Affidavit of Dispute 3. FTC Identity Theft Criminal Complaint ( # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is incorrectly reporting two separate federal loans as a single loan, improperly causing my credit report at Experian to calculate incorrectly. XXXX has been informed that they are reporting incorrectly and have so far refused to fix their error, most likely because their system is automated and nobody has manually tried to update my reporting to Experian, so my credit score at Experian continues to be negatively effected by their actions.
Product: Credit card or prepaid card

Im a XXXX American Express cardholder with a > {$100000.00} annual spend. 

In XXXX, I was nine hours late with my monthly payment. ( It was due XX/XX/XXXX ; I paid it XX/XX/XXXX at about XXXX XXXX. ) This was the first time I had ever made a late payment to American Express or to any other creditor. 

I was immediately assessed a {$29.00} late fee on my bill, so I called customer service on XX/XX/XXXX, and the agent waived the fee. 

On XX/XX/XXXX, an additional {$230.00} finance charge appeared on my bill. I called again to ask for a waiver, but several agents told me the system wouldnt let them do it. One agent said the system allows one waiver per account, so I should have waited for the finance charge to post and requested a waiver for that, rather than calling for a waiver of the late fee. I asked if there was a human employee who could override the system and would take into consideration such factors as my tenure as a customer and my annual spend. But the agents didnt know if that person exists or who it might be. 

By my calculations, the {$230.00} finance charge for a one-day late payment amounts to about 877 % annual interest. I feel this is an unfairly high penalty for a payment that was less than one day late.I also feel it is unfair to require customers to know that they should request the finance charge waiver before requesting a late fee waiver.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some things are in accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report is your follow reasonable procedures to assume that the maximum possible accuracy of the information concerning the individual about whom the report is related to such as XXXX XXXX is not complete accurate XXXX accounts appears on my consumer report. The first amount is {$2000.00}. The second amount is {$6300.00}. The third account is {$5600.00} according to 15 USC section 623 you have 30 days to do it a responsible inquiry into the matter if you ignore this letter and do not delete the inquiry or do not provide strict proof of authorization. I will have no choice, but to have my local congressman promptly for a formal complaint to the federal trade commission and attorney general for furthest scrutiny in this matter.
Product: Credit reporting or other personal consumer reports

I requested deletion of this fraudulent account reporting to my credit as a collection. I have supplied XXXX XXXX with the appropriate information regarding their investigation and they have determined to delete this account. Please see attached.