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

The furnishers listed below are reporting late payments in direct violation of 15 US Code 1666 ( b ) - Timing of 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 Section1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 Days. 
There were furnishers listed below who stated in response to my CFPB Complaint # XXXX XXXX submitted XX/XX/XXXXXXXX  NO LATE PAYMENTS WERE REPORTING. 
I consider their statements to be DISINGENIOUS because I checked my credit reports today ( XX/XX/XXXXXXXX  ) These firms still continue to report the late payments in total disregard of LAW. ( FCRA 1666 ( b ) ) 1 ) XXXX  XXXX - XXXX XXXX ) XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the information be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTIONS ON MY CREDIT REPORT ARE INCORRECT AND CAUSING ME FINANCIAL HARDNESS. 

1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX
Product: Checking or savings account

On XX/XX/2018, someone withdrew {$160.00} from my account at a wells fargo bank. I did not authorize this or anyone to use my card. To my knowledge, my card was in my possession ; however when I filed my claim for the false transaction, wells fargo representative stated my original card was used and denied my claim. I don't understand how it was possible for my original card to be used in XXXX XXXX, CA. On the date of the transaction, I was at a funeral 30 miles away that entire day. In short, I did not make the transaction and did not authorize it. And because I couldn't explain to their liking how the money was stolen from me, they denied my claim. I am the victim of theft and because I can't explain how it happened, they won't give me my money back. This is so unethical. I don't know who else to turn to.
Product: Checking or savings account

I went to the Wells Fargo ATM at XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to withdraw XXXX dollars in cash. The ATM was out of cash, and I was not able to complete the transaction. This occurred approximately XXXX XXXX  on Saturday XX/XX/2023.
Product: Debt collection

In XXXX XXXX XXXX XXXX closed my credit account with them. Im not sure why but I was paying off the credit card. In my credit report the credit card was marked as a charge off and not collections. On XX/XX/XXXX I received a notification from credit karma that between XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXXXXXX that my account with XXXX XXXX XXXX was removed from my credit report from it being 7 years which falls on the statute of limitations here in Connecticut. 
A few days later I received a phone call and Text message from XXXX XXXX XXXX XXXX that I owe a debt in the amount of {$4300.00}. Then on Friday XX/XX/XXXX I received a letter from XXXX XXXX XXXX about an attempt to collect a debt. The mail was marked for XX/XX/XXXX and that I had until XX/XX/XXXX to dispute the debt. This doesnt sit well with me whatsoever. I do have proof that I received the collection letter on said date because I signed up with USPS informed delivery. I will include a screenshot of the email from that said day. I appreciate the help that I will receive. Thank you.
Product: Checking or savings account

On XX/XX/20, I purchased {$1000.00} worth of gift cards at XXXX   using my personal Citi debit card. They were for my boss and he said I would be reimbursed for the next payroll. 

On XX/XX/20, I found out it was not my boss that emailed me purchase gift cards and I found out I was scammed. I called Citibank that day but their fraud department was already closed. 

On XX/XX/20, I went to the police station to file a report and called Citibank to let them know that I was a victim of a scam and did not authorize the purchase as I was manipulated in doing so and so they opened a case that day. 

On XX/XX/20, they gave me a provisional credit to my account while they investigate the case. 

On XX/XX/20, Citibank sends an e-letter deeming me responsible for the {$1000.00} transaction. I called them again to see if this could be appealed. The customer service rep I spoke to informed me that she could dispute the case again but it doesn't look like they re-opened the case as I see there are no new messages from Citibank 's message center.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has committed Securities Fraud and Identity Fraud. I have never consented to there mortgage. XXXX XXXX XXXX have taken my identity and take out Securities out in my name without my consent That is Securities FRAUD and Identity FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into installment agreement with Speedy Cash Loan last XX/XX/ 2018, and was paying. I tried to reach and called them many times in order to notify for wanting to re- adjust my payments after I paid {$1.00}, XXXX out of {$700.00} I loaned from them. After many attempts of calling Speedy Cash, I was instructed by their Agents, to call different and several telephone numbers. After all my attempts to communicate in assisting me restructure my installment loan were always in vain and were declined by all Speedy Cashs representatives. When I would called, no one wants to help me in re- structuring my loan. After Speedy Cash uncooperatively responding in solving my willingness to repay or re-structure my installment loan. Speedy Cash have shared my personal information to third parties name XXXX XXXX XXXX XXXX XXXX. The consequences of Speedy Cash acts were invasive for my privacy, as disclosing my personal informations, as well reporting to XXXX, XXXX and XXXX ; Credit Bureaus Agencies in which compromised my credit scores, without addressing my problems on restructuring in order to resolve these issues with me personally before sharing my informations, as consequences of Speedy Cashs false pretenses of the real story. After these incidents, Speedy Cash repeatedly calling at unreasonable hours, as violation of Fair debt Collection Act ( FDCPA ), as abusive  debt collection practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Date : XXXX Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dear Sir/Madam XXXX I am writing to request the immediate removal of credit accounts associated with XXXX account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for [ XXXX ] to report my information, as required by 15 USC Code 602 ( a ).

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX. XXXX.
Product: Credit card

Each month since XXXX I am recieving a charge from XXXX on my XXXX  XXXX, Bank of America Visa credit card. I have had to call each month to get this cancelled. I do not own a XXXX account, I think it is not a good idea to PAY for music when the radio is free. I have never owned a XXXX account. How is XXXX getting my new credit card information EVERY MONTH and charging me? ~! This is tiresome. In XXXX I believe the charge was for XXXX, then each month after I can not recall exact amounts but were between XXXX and XXXX. The latest charge is for XXXX and for XXXX and XXXX I am pretty sure it was XXXX. BOA has cancelled each of my cards each time ( a couple of times I only had the card about XXXX days before a NEW charge showed up ) and closes the account. But I have a lot of people on autoPayment and this is not happening with anyone else. WHY is the happening? Please connect with XXXX and/or Bank of America and get this sorted. This is a pain every month! I am now on like my XXXX ( i think ) credit card from BOA in just a few of months. As soon as i get a new card, it is showing up with XXXX charges! Again this is every month from XXXX through XXXX and between XXXX from XXXX. I DO NOT have a XXXX account. I can not take screen shots because BOA closes the account immediately and I can not see any charges anymore. Who knows if other things are being charged on my account or not. Due to them closing the card and removing all of my charges from the screen in front of me, I can not submit any documentation. They said they will issues TEMPORARY credits to my card. I want this permanent reversal, again I do not own a XXXX account and XXXX DOES NOT HAVE MY PERMISSION TO CHARGE ME. PLEASE HELP! Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Agency , the companies listed above 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 602 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

In accordance with the Fair Credit Reporting Act, Account XXXX XXXXXXXX XXXX Acct # XXXX Violated my rights under 15 U.S.C. 1681 section 602 A states I have a right to privacy, and under 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. 

In accordance with the Fair Credit Reporting Act, Account XXXX XXXX Acct # XXXX Violated my rights under 15 U.S.C.1681 section 602 A states I have a right to privacy, and under 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. 

In accordance with the Fair Credit Reporting Act, Account XXXX XXXX  Acct # XXXX Violated my rights under 15 U.S.C. 1681 section 602 A states I have a right to privacy, and under 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. 

In accordance with the Fair Credit Reporting Act, Account XXXX XXXX XXXX Acct # XXXX - Violated my rights under 15 U.S.C. 1681 section 602 A states I have a right to privacy, and under 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. 

In accordance with the Fair Credit Reporting Act, under 15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with the collection of any debt.

In accordance with the Fait Credit Reporting Act, all these accounts are in direct violation of my constitutional federal rights under 15 U.S.C. 1681
Product: Consumer Loan

Bought car in XXXX from AUTOMOTIVE CREDIT CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX. I filed chapter XXXX Bankruptcy in XXXX at United States Bankruptcy Court XXXX XXXX of Indiana which time this was discharged.My credit file with XXXX was updated in XXXX stating that {$30000.00} was past due with a balance of {$10000.00}. I have disputed this matter several times and keep getting a response of " validated '' .I offered to send a copy of my discharge papers only to be told " you have no public records '' Account Details Last Reported XXXX XXXX, XXXX Creditor Name AUTOMTV CRDT Account Type Automobile Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term XXXX Months Monthly Payment {$370.00} Responsibility Individual Balance {$10000.00} Highest Balance {$12000.00} Payment Status Unknown Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due {$30000.00} Times XXXX/XXXX/XXXX Days Late XXXX Remarks -- Payment History No payment history has been reported by this creditor. 
Creditor Contact Details AUTOMOTIVE CREDIT CORP XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Direct Dispute You recently filed a dispute for this account. 
See the details here. 
XXXX Recommendations Find opportunities to refinance your auto loan. 
Look for ways to save on your auto insurance premiums.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the Alleged debt, nor therefore any such debt. In fact therefore exists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act 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 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, 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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt belongs to my exhusband. When I left the home on XX/X/2011 I contacted both XXXX XXXX XXXX and XXXX XXXX where I left several messages with XXXX and XXXX who both assured me that I would be taken off of the long and any debt that he incurred after that date will be HIS responsibility, not mine. He decided not to make any more payments after I left the residence and now I have it showing on my credit report because he is refusing to pay the {$5000.00} that he still owes them. We went to court I think two years ago and he never showed up to the court date. At that time I was told again by community investment group that they would be going after him for the debt amount. Now I am trying to buy a modular home and this is again showing up from XXXX XXXX group that the account is written off on my credit report showing that I still owe {$5000.00} and this is making it impossible to get my new home loan. I just want this removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, and there are fraudulent accounts on my credit report that are reporting inaccurately and destroying my life. I have been responsible with my credit to obtain housing, transportation, and education. It appears the information is very damaging. Please remove these accounts from my credit report, they are false. Thank you!
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and doesnt belong to me and need to be removed.also the nest as well.Thamks XXXX  XXXX and XXXX. 
XXXX. XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer report from XXXX and Experian after a recent dispute and saw an item reflecting adverse information from XXXX XXXX XXXX. I am 100 % sure that XXXX XXXX XXXX did not follow federal procedure in validating the alleged debt on the account in Question. The transferring of my information to the Credit agencies listed is not lawfully transferred. XXXX XXXX XXXX has not lawfully verified a contract agreement between the consumer and XXXX XXXX XXXX bearing two wet ink signatures by Consumer XXXX XXXX and XXXX XXXX XXXX in which a contract shall be made valid per contract law. XXXX XXXX XXXX has violated Due Process clause towards the consumer by denial of arbitration of any alleged debt by a lawful court order that can substantiate a lawful claim against consumer XXXX XXXX. Without any proof of Contract bearing two wet ink signatures by both parties in interest or a lawful court order or written consent from the consumer, XXXX XXXX XXXX has violated Federal Consumer Law 15 U.S.C. 1681s-2 which pertains to the responsibilities of furnishers of information and XXXX nor Experian did not properly verify this information. 1. Contract with 2 wet ink signatures by both parties 2. A lawful court order or judgement or deposition or sworn statement of facts. 3 Written consent of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022. I wrote student loan account information CCT NAME : DEPTEDXXXX XXXX # : XXXX This account is open and current on my credit report with all bureaus. I do not dispute that this debt is owed. 

Transunion shows these accounts open and current in one section of my credit report and this same accounts are incorrectly showing as " closed '' on my credit report. I have written numerous times to Transunion asking for the deletion of this information and they have not replied and they are still showing as closed on my credit report as of XXXX.
Product: Debt collection

Ford Motor Credit calls my home several times a day to collect a debt from someone who is not me and it not know to me. I have reported this to Ford Motor Credit and yet they continue to call my home several times a day. Since reporting the incorrect information, Ford Motor Credit has called my home 18 times. These calls disrupt my home office and are embarrassing during work meetings when the message is left out loud on my answering machine.
Product: Vehicle loan or lease

This is now my fifth complaint. For weeks and weeks we have asked the Bank of America to lower our monthly car loan payments to {$500.00} because of the novel coronavirus pandemic. We are senior citizens with very serious medical conditions that place us in the HIGH RISK CATEGORY of contracting the deadly and highly infection novel coronavirus! Therefore, we can not work. Mrs. XXXX had to quite her job because of the novel coronavirus. 

We have repeatedly explained all this to the Bank of America but the Bank of America refuses to help us! So very, very cruel of them! 

We are making monthly payments of {$500.00} and shall continue to do so until the loan is paid off! 

We have even suggested to the Bank of America that it raise the interest rate on the loan. 

The difference between the original loan payment of {$770.00} and {$500.00} is {$270.00} per month. Surely the Bank of America which is one of the largest and wealthiest banks in the USA if not in the world can bend a bit and help us out!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. This is my SECOND time disputing fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK 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
Product: Money transfer, virtual currency, or money service

I am filing a complaint regarding XXXX handling of my account, specifically its 180-day hold on funds after my account was permanently deactivated due to triggering their security system. Despite repeated attempts to resolve the matter, XXXX actions have been deceptive and obstructive. 

An agent handling my case deleted the case entirely, and I am now unable to access it. When I click on the provided case number link, it leads to a broken page, making it impossible for me to review my case history or its status. This lack of transparency and deletion of crucial information raises serious concerns about XXXX practices. 

I believe this handling of my case is unethical and prevents me from resolving the issue in good faith. I am requesting that the Consumer Financial Protection Bureau intervene to ensure XXXX  addresses my case, provides access to the funds being held, and improves its processes to avoid this happening to others.
Product: Debt collection

I was contacted by Atlantic Credit & Finance on today XX/XX/XXXX. The call was humiliating and harassing because the person I spoke with forced/coerced me to tell why I couldn't make the payment. He consistently asked about my personal life regarding why I couldn't make payments. I told him that I did not want to continue the conversation about my personal issues. I wanted to talk about rectifying the payment. He said he couldn't help me until I tell him the reason why I stop paying on the card. This went on for about 30 minutes. He put me on hold and then his manager got on the phone and said the exact same thing to me. I practically begged both of them to end the conversation because I was in tears. Both of them continue with no concern. I stayed on the phone with them for almost an hour and still no payment arrangement was made when the call ended. I felt ashamed that I had to disclose this information. The amount of the debt balance is {$1800.00}. I received communication via XXXX XXXX  as well. The letter disclosed that I could mail payments. The rep told me that I could not mail the payment in unless I send them {$900.00}. The letter also states that I could make biweekly payments as low as {$25.00}. I was not offered this amount as an arrangement.