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

AppleCard, started reporting late payments on my credit report opened XXXX. Amount {$2100.00}, Also it was charged off. " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 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: Debt collection

This account is not mine, I don't authorize anyone to use my account, Please remove this inaccurate account. 


XXXX XXXX XXXX Account # XXXX Bal : {$6800.00}
Product: Vehicle loan or lease

A {$2600.00} overpayment has not been refunded. Account shows {$0.00} balance. I have a cancelled check from XXXX that shows Huntington National Bank deposited it. I talked to a customer service representative on XX/XX/XXXX, XXXX, and XX/XX/XXXX. The first representative in XXXX said if it wasn't on the account then it wasn't deposited. I asked my auto dealer if they sent a check for the refund and they said they sent the check on my behalf and gave me a PDF of the cancelled check. I called Huntington back on XX/XX/XXXX with the PDF of the cancelled check and a loan representative was able to verify it was deposited. She said she would send a refund in 5 days. After waiting until XX/XX/XXXX, I called back and talked to another representative of Huntington and he said he would send another check for the refund due. I still have not received the refund on the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX bankruptcy at the end of XX/XX/2018. 

All of my credit cards were closed as of the end of XXXX ( by either myself or the credit issuers ). 

I was not late on any account prior to filing Chapter XXXX. Both XXXX  and XXXX  are accurately reflecting my payment history, closed account status, etc., BUT NOT EXPERIAN. 

Even though I filed in XX/XX/2018 and all of my cards were closed and never late - Experian is reporting 17 different late payments. What Experian is deceptively doing is counting every account I included in bankruptcy as a late payment in the month of discharge ( XX/XX/2018 ). 

They are violating FCRA, and my next step will be to attempt to get a ruling of {$1000.00} for each inaccuracy in a court of law.
Product: Student loan

I have been pushed into multiple forbearances and now that those are over, Navient refuses to offer any type of relief. I can not pay my loans without sacrificing the well-being of my family. I work two jobs to make ends meet as it is and Navient absolutely refuses to help in any way. I am on a standard repayment plan. My balance is a little over {$13000.00} and my repayment amount is over {$350.00}. My interest rate is stuck at XXXX % and has risen on multiple occasions. Navient will not lower the rate, change my term, or assist in any way. When I tell them that I can not pay, they do not care. They inform me that there is no way to get out of this loan and they will get their money. 

I am not trying to skirt my responsibilities as a borrower. I am simply burdened by mounting medical bills that are severely reducing my ability to pay. Additionally, I paid a {$100.00} fee to place my loans in forbearance in XX/XX/2016. Navient then reported my payments as more than 60 days late in XX/XX/2016. This caused my credit score to tank. This, in turn, has raised my car insurance rate, my mortgage insurance rate, and my credit card rates. I am being screwed over by Navient.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST SST XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account number : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear SST, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 



In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor. 



Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

Full complete and correct social security number to help identify me as the correct person you are trying to collect from Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

Proof that the original creditor securitized the debt.

Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Mortgage

I have automatic deduction from my checking account on the XXXX of each month.Every month this year, around the XXXX of the month I have gotten a phone call from the requesting that I make a payment.Each time I explain to the rep.that I have the automatic deduction.Each rep looks at my account, agrees with me and promises to correct the issue, apologizes for the error.The reps.that called me are as follows : XXXX XXXX on XX/XX/XXXX @ XXXX XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX @ XXXX XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX @ XXXX XXXX.Additionally, each month I get a letter from Shellpoint notifying me that my mortgage payment will be deducted from my checking account on the XXXX of that month and that if I wish to cancel the draft to contact them, which I never have done.Any assisstance you can give me will be appreciated.I have copies of all letters sent sent to me, but do not have capability to scan them to my computer.I could fax them to you if needed.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I disclosed a copy of my social security card, bill, and id to insure that I am the one sending this letter. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXXXXXX I also disclosed the investigation results to show the investigation was not conducted properly.
Product: Student loan

In XX/XX/XXXX I received a letter similar to the one attached. The date listed for payment was XX/XX/XXXX with a payment amount of {$730.00}. I made that payment by the date on the letter. This was the first correspondence I had received from Navient, and I took immediate action. 
On Saturday XX/XX/XXXX I received the attached letter. I logged into my account and realized the extent of the issue and immediately made a payment of {$2900.00} to get my account current. On Monday, XX/XX/XXXX I became aware that all of these accounts were reported as past due to all three credit bureaus. 
As you can see by the enclosed documents, the letter from Navient does not state how late the payments were, and the credit report pulled XX/XX/XXXX, with a reporting date of XX/XX/XXXX shows a Payment status of Current. The report pulled XX/XX/XXXX has a last reported date of XX/XX/XXXX, shows a status of 90-119 days late. The last enclosure shows the payments made. 
When I called and spoke to Navient 's customer service I was advised correspondence was going to an email that is no longer monitored. I have since updated my contact information, and remain current on my payments. 
I am asking that this reporting to the credit bureaus be changed as I was not properly advised to the state of the account, and as shown by my actions I had the means and intentions to not have these fall into a past due state. This reporting has had a severe negative effect on my credit score as I was in the process of obtaining a mortgage. This will no longer be possible with this erroneous reporting due to inadequate notification.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my XXXX credit report, and noticed some late payments posted on my credit report : Name : XXXX  XXXX Account Number : XXXX Reporting Period 1 : XX/XX/XXXX Reporting Period 2 : XX/XX/XXXX Your company is in clear violation of the law, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S. Code 1681.

Failure to respond satisfactorily with the deletion of the late payments referenced above, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identify Fraud Fair Debt Collections Practices Act 15 U.S. Code 1692g violations Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S. Code 1681n ] Attached supporting document : XXXX  Credit Report snapshot showing the two reportings in violation of the Fair Credit Reporting Act 15 U.S. Code 1681. 

Thank you for your cooperation, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX Soc : XXXX DOB : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX 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
Product: Checking or savings account

On XX/XX/XXXX, someone used my XXXX  account to make a purchase of {$140.00}. I been going back and forth with XXXX and XXXX. Even after identifying who I am, XXXX  closed my account due to fraudulent activities.I explained to them that I didnt have my card or wallet at the time and they still didnt reimburse my stolen money. Chime keeps declining me after I show numerous documents that it wasnt me. It was a minor family member that made this transaction
Product: Credit reporting or other personal consumer reports

accordance with the fair credit Reporting act XXXX XXXX XXXX  XXXX Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is stated : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to protect my private information from being shared. This right is further supported by 15 USC 6801, which declares : It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

A furnisher of information to credit agencies qualifies as a financial institution under this title. According to 15 USC 1681, Section 604 ( a ) ( 2 ) : 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. 

Neither XXXX, XXXX, nor any furnisher of information to these credit agencies has my written consent to furnish or share my information. Furthermore, I revoke any and all consentverbal, non-verbal, written, implied, or otherwisethat may have previously been given.

15 USC 6802 ( b ) ( c ) specifies : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never informed by the furnisher of information to credit agencies of my right to exercise this nondisclosure option. Additionally, under 15 USC 1681c ( a ) ( 5 ) : Except as authorized under subsection ( b ), 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. 

This account is an adverse item being reported without my permission, which violates the law. Moreover, 15 USC 1681s2 ( A ) ( 1 ) ( A ) prohibits : Furnishing 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.

Additionally, 15 USC 1681e requires : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX and XXXX are failing to maintain reasonable procedures as required by law. Lastly, under 12 CFR 1016.7, it is stated : A consumer may exercise the right to opt out at any time.

I am hereby exercising my right to opt out of your reporting.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( FCBA ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the FCBA.

As you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least 21 days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties. 

Despite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ).

Provide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with FCBA guidelines. 

Correct my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. 

Ensure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least 21 days before the due date, as required by law. 

This issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the FCBA, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate.

Please acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is my first attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I XXXX proceed with my life, or I XXXX be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.