23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /s/ XXXX XXXX XXXX
Product: Credit card or prepaid card

Citibank bank gave me a forebearnace for XXXX, but they did not help me for XXXX. I do not have income and need a forebearance for XXXX
Product: Student loan

This is the second complaint that I have made to the CFPB about Discover Student Loans and their refusal to work with my hardship. FOUR times in just the past month was I given the incorrect information on my account stating that I was past due when indeed I was not. I have tired tirelessly to reduce my monthly payment ... NOT DELAY OR CANCEL, but have gotten no help from discover. Therefore, I have decided to contact a NYS lawyer in hopes of filing a class action lawsuit against Discovers unfair collection process and lack of clear/consistent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in bank statements to verify my late payments on credit report dispute XX/XX/2020 thats been reported and Experian never change or dont think they took there time to investigate proper on XX/XX/2020 I call and spoke to ally bank and they stated there end was not completed yet so how Experian done a proper investigation they also put a late payment on my report for XX/XX/2020 thats suppose to be waived do to covid-19 please look in to this
Product: Credit reporting or other personal consumer reports

I closed my credit card accounts with Chase several months ago and paid off the balances at that time. I'm guessing that this happened in XXXX. In late XXXX, I received a letter from Chase that I had an outstanding balance. I called on XX/XX/XXXX to request a billing statement from them so that I could pay the remaining balance off. As of today ( XX/XX/XXXX ) I have still yet to receive a bill from Chase. 

I received a call today that my account was not being reported 30-days late by Chase. I spoke with a supervisor named XXXX who said that the bill was not sent out until after the XXXX of XXXX. It still has not been received. I informed XXXX that I am happy to pay the balance and that I wanted the 30-day late removed from my credit report. She refused to do so. 

How am I supposed to pay a bill I have never received and why is this being erroneously late?
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

On XX/XX/2019, Bank of America imposed an unjustified {$25.00} late fee on my credit card account. Since I had not paid late, I looked back at the prior statement to check when my payment was due. The XX/XX/XXXX - XX/XX/2019 statement listed a card balance of {$460.00}, and a due date of XX/XX/2019. That was a SUNDAY. I paid that balance in full via my bank 's online bill pay feature, which does not deliver payments on Sundays. Bank of America posted my {$460.00} payment the next day, Monday, XX/XX/2019. And slapped me with a {$25.00} late fee. The CARD Act expressly forbids this kind of unfair practice involving Sunday due dates. Accordingly, I wrote to Bank of America on XX/XX/2019 to explain the situation and request reversal of the late fee. Bank of America has neither reversed the late fee nor even responded to me, necessitating this complaint to the CFPB. I will be grateful for your assistance.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. My personal information was compromised online resulting in many fraudulent accounts being opened. The following accounts are fraudulent. I did not authorize these accounts or authorize my information to be used to open these accounts XXXX XXXX XXXX XXXXXXXX {$3300.00} Pursuant to [ FCRA 15 U.S.C . 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : 1. Proof of my identity.

2. A copy of my identity theft report.

3. Identification of the fraudulent information.

4. This statement that the information is not related to any transactions I have made.

Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within 4 business days upon receipt of this letter.

I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.
Product: Student loan

This is regarding the Texas B-On-Time Student Loan. I have never received a monthly statement since I graduated college in XX/XX/XXXX. I have made a couple of payments towards the loan, only because it hit my credit report in XXXX when I pulled the report, and I called them and try to work things out. Ive lost my job a few times since graduation ; in XXXX, XXXX, XXXX and recently in XXXX, and during these times I am extremely focused on getting back on track with work. Texas Higher Education Coordinating Board has never sent me a monthly statement, so when I resume work I have other things the occupy my time and mind, so I completely forget about things that arent right in front of me. I make on-time payments towards my federal student loans, and every bill and credit card I have, and thats mainly because they make sure to send me monthly statements. I have requested that the Texas Higher Education Coordinating Board send me copies of any prior statements they may have sent in the past, but they can not seem to find a single statement. I have changed apartments a little bit, but I always send a forwarding address, and have never received a single bill whether paper or electronic. Now I see that they are hitting my XXXX credit report with late payment notations since XXXX, but can not seem to provide me with a bill they have sent prior to that.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit card

On XXXX/XXXX/2015 I ordered a XXXX for a XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX. ( I was the first person to order this kit according to XXXX Customer Relations person-XXXX ) The product arrived and I gave it to the mechanic to install. It did n't fit so I reported it to XXXX who directed me to their supplier ( XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX ) who replaced part of the XXXX that did n't fit because it was too large. While speaking with XXXX they told me they had never tried to actually install the kit on the car it was advertised for. The XXXX set of parts did n't fit either so I contacted my credit card company CITI Bank XXXX # XXXX telling them I did n't want to pay the bill until the problem was resolved. They agreed for a month after which time I received a letter ( XX/XX/XXXX ) saying the creditor -- XXXX had refused to extend the payment. I wrote a letter explaining the situation but CITI Bank wrote back threatening to turn me in to XXXX credit bureaus as delinquent on the account. I paid the {$1100.00} to CITI Bank in order to prevent being reported for bad credit in spite of the fact that the issue has never been resolved. Currently the XXXX set of XXXX products has been returned to XXXX for analysis. In the meantime I have spent XXXX of dollars on mechanics trying to fix my car. A fair resolution would be some sort of sanction on CITI Bank since they refused to place any merit on my side of the dispute. Also, I expect XXXX to reimburse part of my labor costs since they sold a defective product ( They have now stopped offering it ) that had never been tested on the car they sold it for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

HERE ARE ALL INQUIRIES BELOEW THAT HAS TO BE REMOVED AND DELETED PERMANENTLY XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian EXPERIAN BUSINESS CRED Credit Bureau Inquiries XX/XX/XXXX Experian XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Sales Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a reported late payment from my credit report by Mariner Finance , LLC. Account number XXXX. This company has violated my rights, Based on 15 U.S. Code 1666b, which governs the timing of payments. Under this statute, a payment is not considered late unless it is received after the due date, and certain conditions must be met for a payment to be deemed properly credited. Furthermore, 15 USC 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

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have been fighting with the credit bureaus for some time now and i'm getting very frustrated.
Product: Student loan

I was seeking a income sensitive deferment, but Navient kept telling me that I did not qualify. Now I have a volunteer deferment which I know will probably be {$600.00} at repayment. They offer no help at all. I attended XXXX XXXX University where I acquired these loans
Product: Debt collection

XX/XX/18 : claimed to have documents that have been lost since the original creditor sold the loan. the document was something that no longer exists in an attempt to trick me into agreeing to pay.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX As a federally protected consumer who feels harmed by Equifax and their reporting practices. I am filing this 3rd complaint against Equifax and it's subsidiaries for several violations of my personal and consumer rights. Equifax has violated the Privacy Act of 1974, Uniform Consumer Credit Codes, Fair Debt Collections Practices, Fair Credit Reporting Acts, Truth in Lending Act, Securities and Exchange Commission, Federal Trade Commission violations as well as CFPB violations. 

I originally disputed these things on what is called a consumer credit report under Equifax on XX/XX/XXXX through this website, then I also disputed a second time via certified mail in letter form per the United States Postal Rule about the things that are reported and sold by Equifax on their reporting to no avail!

Now, here I am a 3rd time trying to get through to this agency Equifax via the CFPB to correct their errors in regards to my name and social security number/accounting. 

Here is the accounts that I am disputing as well as the adverse actions that caused harm to me and my families well-being because of their inaccuracies and practices of reporting. 

Ohio Department of Human Services Acct # XXXX XXXX XXXX XXXX Acct # XXXX {$90.00} Late payments/Charge-offs Orig # XXXX XXXX XXXX XXXX Acct # XXXX {$1100.00} Collections/Charge-offs XXXX XXXX I have asked Equifax on all 3 occasions on these disputes and even on a private phone call on XX/XX/XXXX and even the letters that I sent via certified mail as well as through the CFPB complaints on XX/XX/XXXX and XX/XX/XXXX to remove all old non-mailable addresses, phone numbers, past employers, different variations of my name, hard and soft inquiries, and other pertinent information in regards to my personal information be removed immediately to no avail! 

The Federal violations that I am using to dispute and show that they have injured me are as follows.

Uniform Consumer Code Violations.

Violations of Privacy Act of 1974.

Negligent Enablement of Identity Fraud/Federal Trade Commission ( FTC ).
Violations of 16 CFR 441.1 Removal of non-mailable addresses.

Violations of 15 USC 1681b Permissible Purposes.

Violations of 15 1681 sect 602-604 Rights to Privacy.

Violations of 15 USC 1681 Willful Noncompliance-616.

Violations of 15 USC 1681 Civil Liability.

Defamation of Character ( Per Se ' ).

Violations of 15 USC 1692g Fair Debt Collection Practices.

Violations of 15 USC 1681e Provide Maximum Possible Accuracy/Compliance Procedures. 
Violations of 15 USC 1681m Requirements on Users Consumer Reports.

Violations of 15 USC 6803 Disclosure of Institution Privacy Policy.

Violations of 15 6809 ( 4 ) Nonpublic Personal Information.

Violations of 16 CFR 313.1 Purpose and Scope.

Violations of CFR 313.4 Initial Privacy Notice to Consumers Required.

Violations of USC 15 1666b Late payments should not be reported on open end consumer reports as well as past due balances.

Per these Violations I want Equifax to remove all errors from their reporting and my report effective immediately!
Product: Debt collection

This collection agency has failed to provide me a wet-ink signature agreeing to transfer any allege debt to them. I also do not agree nor is the debt valid. It's a violation of federal law to furnish on my credit without my consent which they have failed to provide. I will now have to seek legal counsel and file a lawsuit. The XXXX, XXXX is a debt collector that violated my federal rights. XX/XX/XXXX
Product: Credit reporting

I disputed to XXXX, XXXX and Equifax the deletion of a paid tax lien ( per the Consumer Assistance Plan whereby the XXXX credit bureaus agreed to a settlement with the XXXX state XXXX to delete all judgments and liens. In addition, the IRS made the following provisions : Fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on IR- XXXX, XXXX XXXX, 2011. 
XXXX has quickly deleted the lien from my report but XXXX and Equifax continue to not delete the item from my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple complaint and dispute letters regarding inaccurate information on my credit report. It is both ridiculous and frustrating that these issues persist. Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to promptly investigate and remove all inaccurate information. I demand immediate action to address these errors. Attached are copies of the letters I have previously sent as proof of my efforts.
Product: Debt collection

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX XXXX is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

! FRAUD ALERT! XXXX XXXX XXXX / XXXX account opened without my knowledge in XX/XX/2022. Noticed and disputed XX/XX/2022 Experian, XXXX and XXXX. Attempted to contact XXXX XXXX, XX/XX/2022 - Robo answering service is suspicious - requires input of personally identifying information with no option to speak with a live representative. Disputes have not resulted in the removal of this account from my credit report. I did not open this account. Identity theft. Do not extend new lines of credit.! FRAUD ALERT!
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account has reappeared on my credit report after previous being disputed and removed account has reappeared with another collection company name I have never had any contact, communication or contract with this company
Product: Credit reporting or other personal consumer reports

I asked XXXX XXXX XXXX to validate the debt for accurate and verifiable information. Also, I asked for proof and accuracy to no avail. The information is not accurate. I asked for original copies. This is an ongoing issue. I want to persue arbitration! According to the FCRA all information must be verifiable, accurate and complete. They are required by law to verify the accuracy of the debt according to FCRA.
Product: Credit reporting or other personal consumer reports

An unknown suspect has been using my identity and social security number without my permission. When I reviewed my credit report I observed several accounts that I did not apply for or authorized. 

I have filed a Police report and I am still unable to get these accounts removed. Please remove these fraudulent accounts from my report. In accordance with the fair credit reporting act XXXX Account numbers 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 States 2 : It also states a consumer reporting agency can not furnish a account without my permission without my written instructions. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im positive I always pay on time, but I dont understand why this company has reported late payments for certain months. By law ( USC 1666b ), billing errors must be fixed, and the account should be marked as " paid as agreed. ''