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

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX opened XXXX XXXX & Account # XXXX opened 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 1666B : A creditor ma
y not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX 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 card or prepaid card

Capital One Charged a membership fee {$95.00} to my XXXX  credit card. It was posted on my account on XXXX XXXX, 2020. I called back on XX/XX/2020 at XXXX to waive the fee or cancel the card. Fee waiver was not granted, but customer representative convinced me to rethink. I called again on XX/XX/XXXX - requesting a Fee Waiver or cancel. Fee Waiver was denied again so I cancelled the card. However Capital One wont cancel the Fee saying its past 40days, Even though : * My original request on XX/XX/XXXX was barely 30 days after the charge was posted. 
* I have not made any delayed payments during the whole period of the card. 
* I have not used the card since the membership fee was charged on XXXX XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received notification from XXXX XXXX that Equifax is reporting a XXXX XXXX inquiry on my credit report. The unknown inquiry was made on XX/XX/XXXX. I did not authorize such inquiry or apply for any credit recently with XXXX. I tried to dispute this inquiry through Equifax online and I was directed to visit https : //www.ai.equifax.com/ and it took me to a blank page, therefore, I was unable to dispute this inquiry through Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

The Fed  recently reduced interest rates by 50 basis points. On my next credit card statement after this occurred, the interest rate on my Chase card increased from 17.99 % apr to 27.99 % apr. I called Chase bank to inquire why this occurred? Also stated to them that I am a long time customer ( 25+ years ), that I always pay more than minimum payment due, never had a late payment, and good credit score ( XXXX ). The representative said that accounts are reviewed every 6 months, but could give me no reason for the apr increase from 17.99 % to 27.99 %. I told her I was formally requesting a return to my original rate. This is why middle class citizens can't get ahead or dig out of debt. Help!
Product: Debt collection

On XX/XX/XXXX @ XXXX, received a phone call from XXXX XXXXXXXX XXXX to discus a debt for XXXX account number ending in XXXX, phone number XXXX. 

I was told that the date of charge off was XX/XX/XXXX and they are going to pursue legal action. 

Then, I received a letter from Convergent looking to settle the account, see attached. 

Today, I received a call from XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, regarding the same XXXX account XXXX. I was also told that the date of charge off was XX/XX/XXXX and that they will be pursuing legal action, case number XXXX. I was told that they have attempted to serve me multiple times at my home address. To this date, nothing has been received other than the attached letter from Convergent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows late payments for both XX/XX/XXXX and XX/XX/XXXX. This information is incorrect
Product: Credit reporting or other personal consumer reports

I froze some of the main CRAs underneath their first investigation I went to open a checking account under the assumption that they were doing their job by illegally and unlawfully and in violation of my privacy rights reporting or keeping records on me without my express written permission commit an identity fraud in my name and I'm talking about all of them right so there was a negative item on there brand new and I told him why I was under investigation it had to be removed off of that report cuz it was unvalidated information right they refused check systems right as soon as I am froze them so the bank can check it for me and run give me a new account that's what they did and then they said that they didn't report it and I said well somebody check your system right they might not have initially reported it they just kept it on file for people to look at it whenever they feel like it and then stop me from conducting XXXX XXXX XXXX  am I everyday course of business holding my accounts and restraints and denying me all XXXX XXXX XXXXXXXX XXXX  and not to mention breaking the law in the process of doing so after they were instructed not to I don't care what their policies are and that's not just for XXXX XXXX that's also for TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The CPFB glad you're here XXXX XXXX XXXX is taking so long with these people I don't care if they got 10 million complaints when you results or I'm going to be going to somebody else to get them right like chance to record or XXXX I don't know the federal FTC or the fair credit in reporting act they ever they can do reports too right or the XXXX XXXXXXXX honestly we don't know what these companies are people are doing behind closed doors keeping reports on us and who knows who knows who they're working for or what their real agendas or intentions really are I should be worried and social the rest of the people while they have files on. Cut and dry so I uploaded that a couple of things cuz honestly you can't check off XXXX XXXX XXXX that they're doing wrong with one dot one selection out of 10 when they're actually come in all those violations at the same time so the down there check every single blue dot on there thanks have a great day
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on XXXX account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided 1 demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a letter to CAPITAL ONE concerning my credit report. Due to suspicious activity on my credit report. I simply asked CAPITAL ONE to validate and verify the information with that they have on file concerning collections accounts and Hard inquiries that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just affect me it effects my family too. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got nowhere after 30 days and then a second letter sent another 20 days so 50 days of waiting on a response.
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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: Payday loan, title loan, or personal loan

This company gives you option of auto pay or paying manually. I pay manually because often times my pay days are not aligned with their pay schedule. Just this month, they took a payment from my checking account for a payment I did not authorize. I called them the same day and asked them why did they do this when clearly my account is NOT on auto pay. They said its in their contact that they can do what they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was still with my wife, we had to file chapter XXXX bankruptcy, which took in my Auto loan from XXXX XXXX XXXX XXXX. Since separation I had to convert from XXXX XXXX to Chapter XXXX. Since the conversion was granted in XX/XX/XXXX I've paid twice a month on the auto loan in attempt to pay off the loan. XXXX XXXX refuses to update payment information stating no payments have been made since XXXX which is incorrect and penalizing me for my filing chapter XXXX when I was at the time protected. It has continued to drag my XXXX XXXX down to the low XXXX 's with no way to begin to repair my credit after a martial separation in which my ex pulled from our chapter XXXX and filled chapter XXXX alone, leaving me responsible for all marital debt. Chapter XXXX was my only recourse to rebuild my life alone. I have XXXX XXXX statements showing each payment made nearly double what my monthly payments are supposed to be, paid every XXXX weeks. Yet they still say I'm 90 days late or the past 3 months no payments have been made continuously dropping my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, and XXXX XXXX have 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX  XXXX XXXX # XXXX, Account XXXX  XXXX XXXX Account XXXX XXXX, Account XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Account XXXX XXXX  # XXXX, Account XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX # XXXX, Account 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 or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on some accounts in which, due to XXXX XXXX and an accident that my husband had, who is the one who makes the payments because he is the one who works and I notified all of this in the same way, we were also notified. difficult to make payments up to date. Therefore I need help since consumer reporting agencies have assumed a vital role and have the responsibility of reporting consumer information to the best of their ability with maximum accuracy. I am no longer late on the XXXXXXXX XXXX account ( XXXX ) Investigate and provide statements showing that these payments were late. If proof can not be provided, demand that these payments be updated so that I no longer have a negative report on my credit report. I appreciate anything you can do about it. Thank you.
Product: Debt collection

On approximately XXXX I began a two ( 2 ) year security contract with : XXXX XXXX XXXX XXXX XXXX, TX XXXX. When I tried to cancel my contract my contract in XXXX XXXX, I was informed by XXXX That I could not cancel my contract because it was self-renewing. I disagreed with their claim and requested to speak with the cancellation department which informed that I had another extra year to go prior of allowing me to cancel the contract. For several months I attempted to cancel my contract and I offered them a total payment of {$220.00} which was the amount that I owed until XXXX XXXX. My offered was rejected and they will not accept the payment neither they would cancel the contract. I did not receive any notification from the collecting agency. I noticed this irregularity when I ran my credit report via a free app called XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My wife and I are XXXX and XXXX respectively. We are currently XXXX XXXX customers with XXXX XXXX  XXXX ( XXXX ) and have been faithful customers for more that 30 years. Up until XXXX of XXXX our credit rating had been in the mid to upper 800s. However, in XXXX of XXXX we received a letter from XXXX stating that our credit rating was now in mid 600s due to missed payment in XXXX and XXXXXXXX XXXX 
As a result, our credit limit on our XXXXXXXX XXXX XXXX went from {$14000.00} to {$3000.00}. Although the minimum payment was {$43.00} per month we paid {$200.00} each month. I want to add that in XXXX of XXXX I underwent a XXXXXXXX XXXX  and in XXXX XXXX XXXX  my baby brother XXXX  from a sudden and XXXX XXXXXXXX XXXX at the age of XXXX. 
We consider these extenuating circumstances ( as well as I accidentally unchecked mailed bills on bank setting ) that resulted in our being late on these payments. 
I contacted a Vice-president of Complaint Resolution for XXXX in XXXX of XXXX by the name of XXXX XXXX XXXX XXXX and explained our situation. My request to her was to consider our past reliability of ZERO late payments to XXXX for ANY accounts for our entire history with the bank as well as the above mentioned XXXX and XXXX in the family events. We wanted our credit limit on our travel card and our superior credit rating returned to their previous levels. Unfortunately, this request has been denied by XXXX. This was not a satis My wife and I are appalled and disappointed that even during a pandemic and with life changing events as noted above, that a banking institution, that just recently in an email thanked us for being XXXX XXXX  members, could not make a special allowance to restore our exceptional credit history and financial reputation. 
Is there anything that you can do to help us in matter?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance. Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The XXXX Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. XXXX. CFPB XXXX XXXX against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( XXXX ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. Demand for Reinvestigation Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of these account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a HELOC that was sold to XXXX XXXX and now with shellpoint New Rez. 
They are not properly crediting my payments to my account. I have tried to resolve the issue to no avail.
Product: Credit card or prepaid card

I am a merchant that received a false dispute for a charge through the XXXX processor. The customer never contacted me for help or a refund. They went directly to JP Morgan Chase and filed a false dispute. I submitted evidence of the validity of the charges and the fact that the cardholder had NOT canceled the subscription. ( The subscription is still not canceled the subscription. ) JP Morgan Chase found in favor of the cardholder, and I pay a {$15.00} fee. How is it right that the institution collecting the fee adjudicates in favor of their customer regardless of the evidence? This is not fair to merchants. There has got to be a reform of this process. The first step should be the merchant has a chance to refund the cardholder without being fined.