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

FCRA Violation: credit card not mine
XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX

FCRA Violation: Student loans never late
DEPT OF ED / XXXX
DEPT OF ED / XXXX

FCRA Violation: students loan not mine
US DEPARTMENT OF EDU
Reported: XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
XXXX XXXX

FCRA Violation:  collections not mine
XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX
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 XXXX ( XXXX ACCOUNTS ) XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX, XXXX & Experian 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, credit repair services, or other personal consumer reports

RE : CFPB Complaint ID XXXX XXXX XXXX Account No. XXXX I recently submitted a CFPB complaint detailing erroneous late payments being report which are violations of my consumer rights under 15 USC 1681 ( 2 ) ( a ) ( i ) and also 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 How can I be late on payments when there is a finance charge ( 15 USC 1605 ) that's payable to me? In addition to that my statements are proof of the credit ( s ) that are due to my estate ( owner ) of the account. FCRA SAYS THAT TRANSACTIONS AND EXPERIENCES ARE TO BE EXEMPT FROM REPORTING!!! This complaint should have never been closed without a satisfactory investigation using FCRA guidelines as a medium between the consumer and the person making the report! 

15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Money transfer, virtual currency, or money service

I was given a XXXX chance offer thru XXXX on an item that I had bid on. Money ( {$36000.00} ) was sent via wire to an account at Bank of America. the next morning after the wire was sent XXXX had notified me that the account may had been accessed by a XXXX party and not the " owner '' of the account. As soon as the bank opened on the XX/XX/23 I went in to notify the manager that it was possible fraud and they notified their fraud department who then would reach out to BOA. BOA responded on the XXXX that their customer denied that the transaction was fraudulent. I had filed a complaint.BOA did not even freeze the account at all to try and see if there was possibility of fraud. I did file a report with the FBI ( no response ) then on I filed a report with the local authorities who requested a subpoena of the account from BOA.Which BOA did not even provide all information that the Detective requested. According to the Detective the account to which the account was sent was sent to a XXXX  branch of BOA but the company listed on the invoice I was sent was actually in XXXX. The account was opened the month before with {$100.00} and then another small deposit was made. Then about a week before my wire was initiated another large deposit was made and withdrawn in a day in about XXXX different transactions.Then My money went into the account. The detective had told me that my money was still sitting in the account even after my bank notified BOA of a potential fraud/scam.The account at BOA has since been closed. BOA did abosulelty nothing in any manner shape or form to even verify the potential of a scam by either me or their customer on me. I have the police report and all information pertaining to this matter. It is my honest opinion that BOA should be held liable for being negligent in preventing frauds/scams for as they did nothing even after the account activity before me should have thrown a red flag of what was potentially happening.
Product: Vehicle loan or lease

I bought a car from XXXX XXXX in XXXX XXXX CA XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX for {$110000.00} XXXX agreed to give them a downpayment of {$25000.00} so now I should have financed {$90000.00}, after reviewing the documents I realized there was an additional amount that I never agreed to which was {$25000.00} in warranties I contacted the dealership and then the finance company and I got the run around for almost a XXXX  then eventually they sent me the documents pertaining to the warranty and that's when I realized that they forged my signature without my knowledge, I've been waiting for an update from XXXX and no one contacted me about it until the car was repossessed, I would like to take legal actions for forging my signature without any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I received a call .it was from scammers that pose as loan company I believe it was XXXX XXXX so chase froze my account due to suspicious activity. Okay that's when I was able to apply for a bank account with Bank Of Oklahoma so I deposit money to my account so every month on the XXXX of XXXX I get call from the bank teller and he tells me that I didn't have any babies I replied yes it do so right then and there I was told that the relationship ends on the XXXX of XXXX I cried about not being able to care for my family of 7years that something u just can't throw under the bus next thing I know I can't get help with money then one of the consumer shows me this report it has all my business for the world to see l was so upset I was not aware of this and nation wide at that I know my rights but this is dead wrong to come across with all my personal information out there for the world to see.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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
Product: Debt collection

Today, I got a phone call from " Unknown '' contact number obviously hiding the caller. I picked up the phone and one man was repeating my name. As the caller was blocked I presumed it may be a scam so I asked him who I am speaking to. Then he responded with his name from XXXX XXXX planning on law suit for the credit debt from Lowe's-here, he indirectly confirmed that the company is not the original creditor and tried to make an attempt to threaten me with legal actions. 

Lowe 's the well-known corp has a credit line opened with Syncrony Bank which often work for many other corps for the credit line platform, so I tried to access my online account but I failed to log in. It almost seemed to me they closed the access entirely. So I called to Syncrony and asked them why the credit debt balance was sold/transferred to the 3rd party collection company when I already requested the suspension of the payment for Covid-19. And the representative couldn't respond to any of the questions regarding the matter. 

Not to mention being blocked from my own information, Syncrony Bank didn't even inform me prior to the sudden closure of my accounts. Then this almost fraudulent action made by them, did lead to this unpleasant and threatening phone call that I received from XXXX XXXX. As per the information provided by Syncrony, the XXXX XXXX took over the debt on XXXX of this year which is still during the pandemic.
Product: Checking or savings account

On XXXX an unauthorized wire transfer was made out of my account. I reported it as fraud and the transaction was canceled. A second wire transfer was made immediately after for the amount of {$1500.00} I reported this as fraud but the bank transfered the funds anyways. An investigation was done and the bank determined this was fraud and the outcome was ruled in my favor. The bank will not return the funds that were taken from my account nor credit my account.
Product: Debt collection

Midland Credit Management has called me numerous times throughout the day since the beginning of XXXX I have already complained to the supervisor "XXXX regarding the aggressive behavior of my account manager, XXXX XXXX  and requested that my account, be transferred to another person without success. I have spoken repeatedly to XXXX and explained that I am experiencing financial hardship. My family was affected by the XXXX XXXX fire and my son's father suddenly stopped paying child support in  XXXXr which has make bills tough. I spoke to the Supervisor on more than one occasion and expressed that I would need more time, which he allowed but I continue to get aggressive calls from XXXX  despite the fact that I informed him that I had already spoken to his supervisor and that he was going to allow me more time due to financial hardship. When I would speak to XXXX he would talk over me, reading from a script, interrupt me, and make snarky remarks.Calls have been made to me on the following dates and times in the last week.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

American Express Serve has repeatedly placed all refunds on a review hold for review. I called them regarding this and they stated that its policy that is done to protect the customer. I find this to be outrageous. I purchased something then returned it, now you hold my money. No other credit card company does this. Once a return comes into your account its to be available to the account. 
I have included the transaction that is in question Transaction in question : XX/XX/ Merchant Credit Hold for Review - XXXX XXXX XXXX PROCESSING - {$31.00} Completed Transactions XX/XX/2018 Store Return XXXX XXXX XXXX + {$31.00} Original transaction Store Purchase XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA SHOPPING Edit - {$36.00} XX/XX/2018 Transaction ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent Experian, XX/XX/XXXXand XXXX XXXX a letter requesting them to remove all Hard Inquiries that did not have permissible purpose to be removed. 

None were removed by this letter I sent every Bank that pulled my credit and explained I did not apply for the loan. One removed it on their own. 

XX/XX/XXXX I sent Experian, XXXX XXXX and XX/XX/XXXXa letter from XXXX XXXX XXXX that said I did not have permissible purpose for a credit check. 

I found out there were 19 Hard inquiries on the XXXX and XXXX XX/XX/XXXX for a car loan. I had a car so I investigated and talked to 3 managers at XXXX XXXX XXXX till finally they realized I was never in the building or ever applied for the credit. Then they gave me a letter saying I did not apply for the credit and all my inquiries should be removed. 

I contacted XX/XX/XXXX 2 weeks ago on the phone and they said I needed a police report to remove the inquiries. 



XX/XX/XXXXXXXX - XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXXXXXX XXXX Auto FinancingXXXX Experian XX/XX/XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Automotive XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXBank XX/XX/XXXX XX/XX/XXXX XXXX XXXX I Travel/Entertainment XX/XX/XXXX XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XX/XX/XXXX I did not apply for that credit, I had no idea about the credit that was being applied for. I want this removed. Its not my responsibility. I didn't do it.
Product: Checking or savings account

I am writing to formally file a complaint regarding unauthorized transactions from my Chase bank account related to a fraudulent account registered with XXXX XXXX. 

Recently, I discovered that someone created an account in my name on XXXXXXXX XXXX and transferred over {$450.00} from my Chase bank account without my consent. While I was in XXXX, I could not access my XXXX email to view notifications regarding these transactions. I only became aware of the issue upon my return to the U.S. on the XXXX. 

The account was registered using a XXXX phone number, which is not mine, and I can not log in to resolve the issue due to XXXX XXXX XXXX two-factor authentication process. Despite contacting their customer support, I was unable to gain access as I could not answer the required security questions. 

Chase Bank is also aware of my situation ; however, they have refused to assist me in recovering my funds, citing the nature of the transactions. This is particularly frustrating given that I was not in a position to log into foreign applications while abroad. 

I request your assistance in addressing this matter, recovering my lost funds, and ensuring that consumer protections are upheld in situations involving fraudulent activity.
Product: Credit card

I purchased a pair of shoes through XXXX for the price of {$420.00} on XX/XX/year>. Upon receiving the shoes, they arrived in a wet box and the bottom of the shoes were starting to grow some areas of mold on them. Given that I paid {$420.00} for this item, this is unacceptable for XXXX and the Apple Card. I tried contacting XXXX about this issue and they were firm on their no return policy hence why I took this up with my bank. Published are photos of the shoes and box.
Product: Credit reporting, credit repair services, or other personal consumer reports

n XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by 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 ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

For the last year, I have continuously disputed the debt with the collection agency and three credit bureaus. I have never received notification from the original creditor or collection agency regarding the two debts owed. I repeatedly disputed and Credit Collection Services failed to provide validation of debt and continue to report the account to the bureaus. 

The amounts of the debts are ; {$440.00} and {$380.00}. The accounts are still showing up on my XXXX XXXX credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).
Product: Debt collection

My information was sold to a third party without my authorization. In accordance with the fair Credit Reporting act Goldman Sachs Account ending XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A credit may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute the account listed below that has been reported on my credit file by XXXX XXXX XXXX. I have no record of authorizing this company to place a collection account on my credit file, nor am I aware of the original creditor associated with this debt. I request that this account be immediately deleted from my credit report due to the following violations of consumer protection laws. 

Account Information : Account Name : XXXX XXXX XXXX  Original Creditor : ( Not listed on my credit report ) Account Number : Not listed on credit report Open Date : XX/XX/year> Balance : {$960.00} Status : Open Collection Account Remarks : Placed for collection Key Issues : Unknown Debt Ownership : I do not know who the original creditor is for this debt. The credit report does not provide the name of the original creditor or any identifying information to help me confirm whether this debt is valid or if it belongs to me. The report only shows XXXX XXXX XXXX as the collector, with no information about the original creditor. I am entitled to receive a clear, valid, and detailed description of the debt, and XXXX XXXX XXXX has failed to provide this information. 
Failure to Provide Authorization : I have never given authorization to XXXX XXXX XXXX or any other party to report this debt to the credit bureaus. This collection account has been placed on my credit report without my consent, and I have not received any communication or documentation supporting this collection activity. 
Failure to Validate Debt ( FDCPA Section 809 ) : Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a debt validation request, but I have not received any proof that this debt is mine or that it is being collected by a legal entity. This lack of validation, along with no information on the original creditor, is a violation of my rights.

Fair Credit Reporting Act ( FCRA ) Violations : Section 609 : I am entitled to request and receive documentation proving the validity of this debt. XXXX XXXX XXXX has not provided this validation, nor have they listed the original creditor, which makes the debt unverifiable and inaccurate on my credit file. 
Section 623 : As a furnisher of information, XXXX XXXX XXXX is required to report accurate and complete information. The failure to report the original creditor and failure to verify the debt makes the reported information inaccurate and incomplete.
Product: Credit reporting or other personal consumer reports

Never heard anything back was trying to get my disputes done with third party crediting places like XXXX, XXXX XXXX, and others nothing seems to go away they always Gave me the run around about how to do the process tried to do it more then once but when I request it, I would get the run around about I did it too many times and things like that.