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

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX : XXXX, has violated my rights. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX for account number XXXX, and XXXX XXXX XXXX XXXX  account number XXXX to your agency. 
( Experian, XXXX, XXXX ) and I believe that the entry is inaccurate, The payment in question is identified as } late but I do not believe that the creditor has followed the legal requirements to report it as such under the fair Credit reporting Act ( FCRA ) and related laws Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term " consumer report " does not include reports that solely contain information regarding transactions or experience between a consumer and the person making the report. As such, any transaction or experience between myself and the company regarding this account should not be included in my consumer credit report.

U.S Code 1681 a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 

Request for action If XXXX can not provide the necessary proof of mailing or delivery of the required information, i request that the late payments and charge offs be deleted from my credit report. Failure to do so will be considered a violation of US code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 
I respectfully request that you take the appropriate action to remove the inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice. 
Late Payments in Question : XXXX XXXX current. 
Thank you for your prompt attention to this matter. i look forward to your response and consideration that the disputed late payment entry has been removed.
Product: Debt collection

I have contacted Meridian Financial Services and inform them that this debt is not my debt that this invoice which I received on XX/XX/2018for the very first time needs to be verified with the timeshare company which is XXXX XXXX but they have refused instead they request I call XXXX XXXX there client and inform them that this debt is not mines.
Product: Credit card or prepaid card

On XX/XX/2020 we requested a change of address on the back of our payment statement as a result of delays of getting bills from my office at the beginning of COVID. It took Citi Bank 3 months to change the mailing address and as a result of their failure to send statements they begin to charge late fees and interest. We contacted them by phone and sent a certified letter on XX/XX/2020 requesting an itemized statement. They never responded to the Certified Letter ( documentation available ) but continued to pile up Late Fees and Interest upon the previous illegitimate Late Fees and Interest! 
Since the credit card is tied to XXXX we have paid for all purchases as billed the last payment being in XX/XX/2020. 
Citi Bank has now slandered us by attacking our credit rating and sending false information to numerous credit bureau 's when the problem is theirs! They continue to perpetuate this scam and do not do what they say they will do nor respond to our written communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$5000.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}, XXXXXXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2400.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1900.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4700.00}, XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$6700.00}, XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX was included in my husband 's bankruptcy case. A discharge was ordered. I have reached out to the company in attempt to have them correct my credit report. I 've written several letters requesting XXXX XXXX to correct the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX Bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. XXXX XXXX has my credit bureau noted as a charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided. It is very suspicious also in their reporting. XXXX XXXX started reporting me late in XX/XX/XXXX ( almost a year after the bankruptcy discharge ) then continued to report late every month until XX/XX/XXXX - XX/XX/XXXX. Then bank late from XX/XX/XXXX- to present. During the months where they report current in XX/XX/XXXX, there was no  communication with XXXX XXXX. Why would they report current for some 5 months and then late again. No written communication from XXXX XXXX has been received since the discharge. My attorney stated that XXXX XXXX was subject to Louisiana Civil Code 3494, action on open accounts ( credit cards ) are subject a 3 yr XXXX XXXX period. The notation of current payments would break the 3 year period for them to continue to misreport to the credit bureau. It is my belief XXXX has misrepresented information in my credit bureau intentionally. Not to mention their breach of adhering to bankruptcy laws in a community property state. In the state of Louisiana, if only one spouse files for protection the non-filing spouse will also benefit by the bankruptcy since the discharge of debts includes community claims and prohibits creditors from proceeding against community property acquired post - petition, even as against non debtor spouse. 11 U.S.C. 524 ( a ) ( 3 ). Copies of the letters mailed along with discharge papers will be attached. 
I have disputed the information in all 3 credit bureaus. The bureaus indicate the information is reported correctly-consumer disputes.
Product: Debt collection

My name is XXXX XXXX XXXX, a federal protected consumer me, and I am making this complaint against Rausch Strum LLPfor committing identity theft. I have never given Rausch Strum LLP, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ).

I have not validated any alleged debt with RAUSCH STRUM LLP and my failure to dispute the validity of these alleged debts shall not be construed as a admission of liability. As of XX/XX/year>, I have not received documentary evidence, such as a trilateral contract, giving RAUSCH STRUM LLP any right to collect on this alleged debt.

I have never received any documentation requesting validation from RAUSH STRUM LLP, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If RAUSCH STRUM LLP can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to, furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RAUSCH STRUM LLP continue its collection efforts, I will file for litigation for actual damages caused and RAUSCH STRUM LLP will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required. Pursuant to rule 1002 original application bearing my signature on it also requesting your Errors and Omissions insurance number I requesting documentation be provided to me the consumer. 
ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

Spring oaks capital has continuously threatened me and posed as attorneys to threaten me. They are bullying me, a XXXXXXXX XXXX  and I have started to receive letters from debt layers. The threats and harassment has caused me to have several XXXX XXXX which is one of my XXXX. I was deemed XXXX XX/XX/2020 and was paying an extra fee on the account each month before I became XXXX. This account was supposed to be XXXX out. I submitted all the necessary paperwork to the company and they did not do their due diligence to XXXX out the account like they agreed upon. They breached the contract and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then I would have been able to file a lawsuit with my local legal aid. This company needs to remove this account from my credit and cease all communication with me.
Product: Student loan

1 ) I APPLIED FOR A PRIVATE STUDENT LOAN AND APPROVED FOR A IN XXXX FOR {$7500.00}, AND XXXX FOR {$9500.00}, BOTH AT A VARIABLE RATE. AROUND XXXX, WE RECEIVED A STATEMENT STATING THAT THE ORIGINAL PRINCIPAL FOR LOAN # XXXX WAS {$11000.00}, AND XXXX {$8900.00}. CLEARLY THERE IS A DIFFERENCE. ( SEE ATTACHEMENTS ). 

2 ) AT THE TIME, I NOR MY MOTHER ( CO-SIGNER ) WERE AS KNOWLEDGEABLE ABOUT THE STUDENT LOAN PROCESS AS WE ARE NOW. AFTER DOING SOME RESEARCH I FOUND THAT I SHOULD HAVE BEEN GIVEN THE OPTION TO APPLY FOR A VARIABLE RATE, OR FIXED RATE. THE FIXED RATE WAS NEVER INITIATED DURING THE CONVERSATION. WELLS FARGO FAILED TO INFORM ME WHAT MY CHOICES WERE, WHICH WAS BENEFICIAL TO THEM, ALLOWING THEM TO MAKE A SUBSTANTIAL PROFIT FROM THESE LOANS. BOTH MY MOTHER AND I, HAVE BEEN MAKING PAYMENTS SINCE XXXX TIME FRAME UP TO XX/XX/XXXX. FROM MY CALCULATIONS, THOUSANDS OF DOLLARS HAVE BEEN PAID TOWARDS THE BALANCES. OVER AND ABOVE WHAT IS OWED WITH INTEREST. IT IS MY BELIEVE THAT WELLS FARGO ENGAGED IN UNETHICAL, AND FRAUDULENT BEHAVIOR IN AN ATTEMPT TO MAKE A PROFIT, WHICH THEY HAVE CERTAINLY DONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ) # XXXX, XXXX XXXX ( XXXX ) # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX  XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXXXXXX - Please delete this item immediately. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXXXXXX XXXX XXXX XXXXXXXX - Please delete this item immediately. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/ - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/ - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX  - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


XXXX XXXX, Experian, and 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint about Transunion on the CFPB complaint portal. Transunion did not complete its investigation in 30 days and did not respond to my disputes. Transunion 's response was that they could not read my typed letters and photographed ID and address verification. 

We are now over 60 days from my original complaint, and they still have not responded or provided proof of verification.
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX I finally took a call from an unknown number who has repeatedly called my phone and would never leave a voicemail when my phone was unattended. When I answered, they told me that they were XXXX XXXX XXXX who has NO CONTRACT the debt apparently was sold to them from another collection agency who held the debt previously and they informed me they wanted me to pay the debt. I asked them to send me an invoice. They said they must first have my email address. I refused. They kept insisting then they put a supervisor on who sounded like the same man. And told me if I did not provide an email address they would provide me a mailed copy of an invoice. So I hung up.
Product: Credit card

Dear Bank of America and its Representatives, I have been searching high and low for some vital information. I have not been able to get this specific information from any customer service representative or through any online search through the Securities and Exchange Commission. I need the most correct, up to date information for the following as soon as possible. Please give me the correct contact information including the contact Name and Title of the person or Senior Officer, their correct phone number, mailing address, e-mail address, and fax number for this or these representative ( s ) from both departments as follows : Full contact information for your company 's Special and Restrictive Deposit Department AND Full contact information for your company 's Indentured Trustee. 


Please provide this information as quickly and accurately as possible.
Product: Other financial service

I cashed a check written on a jp mogan check account on XX/XX/2106 one day before hurricane XXXX is projected to hit. I was informed that because I was as not a customer even though the check was written on their bank by one of their customers they were charging me XXXX$ to cash this check. I have never heard of such a thing and seriously XXXX$ for check cashing ?  That's more then cashing it at a check cashing place. I truly feel the average consumer trying to make ends meet is being ripped off by the banking industry. And in this case chase bank. How much more are we going to ripped off. How many more banks are going to be allowed to take me for a financial ride. This is seriously wrong. Had the person who wrote this check known they would do this to me he would hav gone to the bank himself to get the cash. This is horrible. I have never ever been charged before cashing a check written on the existing bank I was doing business with. Is this becaus we are in a hurricane warning....are the banks not under the same law as gas stations for not gouging the consumer?  Please help. I'm saving my receipt in hopes the XXXX$ they charged that would have put gas in my car will be reimbursed!!!
Product: Student loan

I hope this letter finds you well. I am writing to bring a serious matter to your attention concerning the unfair and deceptive practices of AidVantage in relation to my student loans. 

I am currently enrolled in a full-time graduate program, and as per the regulations, I should be exempt from student loan payments during this period. However, AidVantage has continued to charge me, causing significant financial strain and stress. 

Attempts to contact AidVantage have proven futile, as their customer service is virtually unreachable. This lack of communication impedes my ability to resolve the issue and obtain the necessary information regarding my account. 

Furthermore, it appears that AidVantage is engaging in coercive practices by ignoring legitimate requests for assistance. Such conduct raises serious concerns about their commitment to ethical and transparent lending practices. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly to ensure that AidVantage rectifies their practices and adheres to all relevant laws and regulations. Additionally, I urge the Bureau to implement measures that hold AidVantage accountable for their actions and protect the rights of students and borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am A Victim Of Identity Theft I Tried Calling A Company To See What Information Is Being Reported About Me & They Refused To Release Information & Requested Me Right A Letter I Will Right This Letter Aswell As Letting The Legal Authority Know After I Already Filed Police Report I Will Also Include A Copy To The Company
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account my written instructions under 15 USCS 1666b a Predator may not treat a payment on a credit card account under an open and Consumer Credit plan as late for any purpose.