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

these accounts are in violation of 15 usc 1681 e b- accuracy of a report, states the furnisher/consumer reporting agency is responsible for reporting maximum possible accurate when it comes to a consumer ( me ) report. I sent a dispute letter displaying this information and saying it needs to be removed due to inaccurate reporting of multiple items causing my credit report to not be accurate : payment status, account status, date opened, account #. 
these accounts all have multiple inaccurate information that the bureaus are not be held liable for reporting accurately. 
XXXX, XXXX XXXX XXXX, Original Creditor the unauthorized use of my information under 15 U.S. Code 1602 ( p ), I did not authorize nor do i have actual accounts from these implied cardholders. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX co- XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- 15 usc 1666 b- timing of payments. 
I sent in as well a dispute letter stating I have never received a statement from them 21 days before I am to pay my statement and on top of that when I did receive it which is usually 5 days before its due if it was to come in a negative form I would've paid it, but it came in a positive form. They reported XXXX late payments are not accurate because the bureaus didn't hold the furnisher 's responsible for upholding the laws provided. These were all that I have attempted to resolve multiple times to dispute with the XXXX bureaus and they told me these items were validated even after detailed descriptions of the fcra/fdcpa laws and what my credit report reflected. So that i dont have to continue housing a inaccurate report causing me a great deal of distress, I demand these items be removed from my credit report and I be sent from each bureau an updated credit report reflecting changes made.
Product: Checking or savings account

On, Friday XX/XX/XXXX at about XXXX I deposited XXXX cash into the Citizens Bank ATM at the branch office in XXXX XXXX XXXX XXXX MA . Once the cash was in, the machine stopped working. 
I filled a claim as soon as the office opened on Saturday. 
The bank fraudulently claims they can not process this in under XXXX weeks. 
This is either a lie to cover their theft of my money, or an admission that they are criminally irresponsible with our money.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX Louisiana in on XX/XX/XXXX and have been XXXX since then. Navy Federal Credit union has been notified mutiple times that i fall under the Louisiana State Service Member Civil Relief Act ( SCRA ) Title 29:312 reads " Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding XXXX percent per annum during the period that the person is XXXX on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of XXXX percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven.

C. The amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made. 

D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than one hundred eighty days after the date of the person 's termination of or release from XXXX XXXX. 

E. Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

XXXX XXXX court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of XXXX percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

Acts 2005, No. 296, 1, eff. XX/XX/XXXX. '' Navy Federal Credit Union continues to charge me and my spouse interest over the legal limits of the SCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX  XXXX, AND XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 Credit Reporting Agencies via USPS on several occasions asking them to provide me with the " ORIGINAL '' signed documents sent to them by the original creditor/furnisher for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$8600.00} Under Federal law the Fair Credit Reporting Act ( FCRA ) requires the Credit Reporting Agencies ( CRA ) keep the " ORIGINAL '' signed documents submitted by credit reporting agencies/furnishers on file. Under Federal law FCRA Section # 609 also requires CRA to verify " ORIGINAL '' signed documents to validate the validity of the account before they report in to the consumers credit report. Section # 610 of the FCRA requires the CRA provide the consumer with the " ORIGINAL '' signed documents submitted by the credit reporting agencies if it is requested in writing, within 30 days of the written request. I have been requesting the above mentioned documents since XXXX 2017 and have yet to receive ANYTHING from the Credit Reporting Agencies. I am once again asking Experian to provide me with the " ORIGINAL '' signed documents submitted to them by XXXX XXXX XXXX in the amount of {$8600.00}. If the Credit Reporting Agencies can not provide me with the " ORIGINAL '' signed documents I demand that they delete/remove this account from my credit report. If this account is not removed my credit report within the allowed 30 day period my next course of action will be to hire an attorney and file a law suit. Any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act ( FDCPA ). The law is very clear to the civil liability and the remedy available to me for the " negligent non-compliance '' ( Section # 617 ) if the Credit Reporting Agencies fail to comply within the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX. XXXX, a collector for original creditor, XXXX XXXX XXXX XXXX is wrongfully appearing on the BIG 3 credit bureau reports and possibly others.

This can only be interpreted as a secondary level of extortion.ALL OF THE DEBT evolves from a @ XXXX dollar deposit not credited in a timely manner, according to the banks account disclosures booklet, resulting in more than XXXX @ XXXX dollar check bounce fees on many small items of approximately {$4.00} to {$10.00} dollars each.By not crediting the deposit made hours before the proper disclosed business day cutoff, and taking their time to credit the deposit which paid overnight, the XXXX bank self-generated about {$350.00} in fees. 
Federal reserve guidelines were not adhered to regarding bank cutoff, hold times, business day, banking day, etc so that the bank could generate massive illicit fees without risk or investment.The unscrupulous bank has now turned their illicit endeavor over to professional extortionist XXXX XXXX XXXX
Product: Mortgage

Roundpoint Mortgage Service Corporation has not released or returned my Escrow Overage After Loan Paid in Full. As to their promise to refund in 20 Days After Payoff is has now been 40 days After Numerous Calls They Claim it could be an additional 120 days or more and the Excuses and Bold Face Bad Faith Practices Continue Different Story Every Time I Contact Roundpoint
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed there are still items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each items are XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I sent a XXXX XXXX XXXX to this creditor, asking to provide documentation because they have it listed as a charge off with a balance, that is also written off. They are reporting a charge off on XX/XX/year>, This account is XXXX as open and closed and late and written off, inaccurate information. 

This debt has violated my consumer rights by continuously charging off by balance to extend the statute of limitation, How can it be charged off yet still list me with a balance owed of {$600.00}. This is inaccurate and false information that should not be reported. 

This account has been written off and charged off by XXXX Bank XXXX XXXX XXXX XXXX I don't owe XXXX/LVNV, I have no contract and no signature written nor verbal with this company, yet they are reporting on my credit file as if I owe them.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Here is the list of account/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XXXX -- XXXX Balance : {$1600.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late 30 Days Past due amount {$1000.00} Fraudulent Account : XXXXXXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$870.00} Fraudulent Account : XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late 30 Days Past due amount {$0.00} Fraudulent Account : XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$50.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ExperianXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom may concern, The only information attached to my profile should be as stated above or on the attached legal documents. Any other NAMES, ADDRESSES, EMPLOYERS, SOCIAL NUMBERS, must be removed and deleted for they are not accurate.

You are in direct violation of the Fair Credit Reporting Act, the following accounts have violated several of my rights. 

Accounts : XXXX XXXX  : XXXX - This account is being reported with 5 Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, OnTime. 


XXXX XXXX XXXX  : XXXX - This account is being reported with 3 Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, OnTime. 

XXXX : XXXX - This account is closed, but is reporting a 30 day Late payment. Update to XXXX paid as agreed and never late, OnTime. 

XXXX : XXXX - This account is inaccurate. It is closed but reported as settled for less than balance, and reported with late payment. The account was disputed and sent back as verified. Under US Consumer Code I am obligated to see the method of verification in writing with my written signature stating this is true. You have 30 days to provide me this information or you must delete Immediately!

15 U.S.C 1681 section 602 A : Clearly states that 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 U.S.C 1666 B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 


Remove the late payments from the accounts above as demanded, and remove the other two accounts from the consumer report entirely as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Student loan

online for aidvantage i made the payment. i got an email thank you my payment has been posted. i got another email of new documents information. i went online to check and shows payment not processed. there is also a document online showing i was placed in forbarnace but my account is showing past due. i called was told i am in forbarance and then later in the call after being placed on hold for a long time was told i am not in forbarance and that a letter was sent that my payment was not processed they could not find my account. makesno sense cause my bank accounts are vaild and i have money in there. she really didnt want me to talk to a manager. i explained i am seeing and being giving misleading information and this will affect the srudent loan forgivness. she placed me on hold and then eventaully was asked to input the 4 digit id number of the person i was transfered yo but was not given anything. i am concern my accounts are being mishandled and i am being given different information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

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

I have a large amount on my credit report from Capital one, I contact them and informed them I was unaware of the account. They told me they will get back to me. I still have not heard from them. I just want this off ny credit report. I was apart of the settlement Breach. This was a result of identity theft.
Product: Credit card

See the previous complaints regarding this same request. I have also sent this request via letter to the address provided in the company 's previous response. My request remains the same. Ive requested validation of this debt ( XXXX times now ), i.e. my authorization/approval ( signature ) of the purchase of this timeshare. XXXX provided a credit card application which is not my signature, cardmember agreements, billing statements, and terms and conditions. None of which represents a validation of the charge to this account in the amount of {$4100.00}. Proper validation would be an agreement or contract with my signature authorizing and agreeing to terms of the timeshare purchase. You stated in the response there was an e-signature but failed to provide evidence of those documents. E-signature software does produce documents/agreements/contracts which would be critical to the purchase of property. Having my name, address, and email address does not make it Acknowledgement and Consent. My information was used without my consent and that makes it fraud. Thats the real crime... .someone used my information without my authorization/approval. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. Reporting it would be an inaccurate representation of the truth. Inform them that the debt is disputed, and request they remove it from my credit report. Reporting information that you know to be inaccurate violates the Fair Credit Reporting Act.
Product: Debt collection

I noticed my credit score decreased by XXXX points resulting from Synchrony Bank on behalf of XXXX XXXX securing XXXX XXXX XXXX to collect over {$6000.00} in debt that Synchrony sold to XXXX XXXX. I have been paying XXXX for years not missing any payments. I called Synchrony, XXXX, and XXXX. No one can explain why this derogatory mark is on my credit report.
Product: Checking or savings account

On XX/XX/year>, I initiated an external transfer from US Banks mobile application. It was initiated under transaction ID # XXXX for the amount of {$80.00}, from an external checking account with XXXX XXXX. 

On XX/XX/XXXX my account was credited for the amount of the transfer of {$80.00}. However, on XX/XX/year> and XX/XX/year>, the same debit with the same transaction ID number had posted to my XXXX XXXX account for a total of {$160.00}, {$80.00} each. I advised XXXX XXXX that one of the transactions were in error and I had not been credited by my other bank and the amount was reversed in my XXXX XXXX account. However, as of XX/XX/year>, US Bank has reversed the {$80.00} deposit initially made to my US Bank account, despite the fact that a legitimate {$80.00} debit remains I refunded in my XXXX XXXX account. I contacted their customer care team even escalating this to a supervisor on the floor, and they advised me that this amount will be refunded to my XXXX XXXX account. 

I pointed out to them them reversals of check deposits where the the bank determines that there is insufficient transactional funds are not reversed into the account they originated from, and they insisted this is the case. 

From review of the transaction I can plainly see this is not the case. I was unable to proceed or receive further assistance because of this insisting on the part of both the manager and a representative.
Product: Credit card

I went to The Children 's Place to purchase my Son some school shirts. At the time of the purchase the sales associate who was also a store manager, asked me if I was interested in a " Rewards card '' She explained that each time I made purchases the card would accumulate points that could be used for future purchases. She never represented this card as a credit card. I completed my purchase for {$20.00} using my debit card. I then started to receive a bill from Children 's Place saying I have a credit card bill. When I disputed the charges with the creditor, they eliminated some fees and charges, but still saying I owe them {$140.00} from a {$20.00} purchase from a card that was sold to me deceptively. I feel I should only be responsible for my original purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting Act XXXX Accounts listed as followed 1. XXXX XXXX XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX, XX/XX/XXXX 3. XXXX XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX, XX/XX/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

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for purpose.