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

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report notation of the following late payments ( 2 ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not { XXXX XXXX XXXX XXXX XXXXXXXX and Account number XXXX } I also respectfully request to be provided specific proof that theses alleged late payments were in fact late. I request to see all statements and payments transaction records from the you as the creditor that would proof that my payment was not submitted on time. It is my understanding that I must verify these items with the reporting creditor ( XXXX XXXX XXXX XXXX  XXXX ) for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws. 

In addition in accordance to the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1666B 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.

Furthermore as per the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Where is my right to privacy, when your reporting to the credit bureaus about alleged late payments?

Over and above that, by means of the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681a ( 2 ) ( B ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Checking or savings account

I tried to open a checking account with Eastern Bank online. Afer I submitted my applicaiton, I was declined with the attached email stating that, " Our decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. '' The email provided XXXX XXXX XXXX XXXX XXXX. I went to the website and requested a copy of my Consumer Disclosure Report. I found not implicaiton of writing bad checks or overdraft activities. My credit score is over 800. I do not understand why the bank decline opening a checking account.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report with Experian, XXXX, and XXXX, I discovered several inquiries that were not authorized by me and for which I have no further information. The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer, I am now opting out of all authorization with XXXX. I the consumer may have given you written, unwritten, verbal, and non-verbal. I am now rescinding that authorization per 15 USC 6802 effective immediately and indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S. C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 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 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

I took out a loan with Loan at Last XX/XX/2017 for {$470.00}. Since this time I have made all my payments which are {$100.00} twice a month totalling {$520.00}. After making my most recent payment I was informed my payoff amount was {$600.00}! I was not expecting that after paying more than the cost of the loan the payoff amount would still be more than the cost of the loan. I feel these are predatory lending practices. I need help getting out of this payday cycle with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Telecheck is reporting wrong and inaccurate information about me to companies such as XXXX causing me to be denied services that I should otherwise be able to use. I have been a victim of massive identity theft and have spent years trying to resolve it unsuccessfully and I've requested reports from them who have made it near impossible to dispute erroneous and falsified information that has caused me harm.
Product: Debt collection

This is a company that seems to be meeting all of the above criteria but I marked sued me without properly notifying me of a lawsuit because that seems to be where the trouble with them began. 13 years ago ( approximately ) this company said I owed them money. I began making payments and then asked for verification of the debt. They did not respond so I quit paying and again asked for verification. They then obtained a judgment against me and I only found out later because it showed up on my credit report. They never notified me of a court date. I attempted for 10 years to fight this on my report and the requests from the credit agencies went unanswered. The judgment was obtained in XX/XX/XXXX and expired 10 years later, making it XXXX. It came off my credit report XX/XX/XXXX. During that time I never heard anything from them. I then received a notification that this company has requested a court hearing for XX/XX/XXXX so they can obtain information from XXXX! I looked this information up and the Washington Courts shows they have been to court in XX/XX/XXXX as well for this same thing, having again NEVER notified me! At this point I am figuring they are attempting to seize property or wages for an original debt that was in violation of the FDCTA, then a judgment which was done without legally notifying me, and now they are trying to gain information on an expired ( supposed ) judgment which expired over a year ago and was not re-instated within their legal 90 period! This has been one illegal action after another with the company never responding to my original verification request. They are now and have been apparently since XX/XX/XXXX being sneaky and at this point harassing me by requesting information on an expired judgment. Their court request is in XXXX County, which is 2.5 hours away. This means in order for me to fight this I am either going to have to respond in writing or take an entire day to make the trip out there to fight this in court. All of this for again, an expired illegally obtained judgment which they should not be able to request any information about me. I now have to miss work, spend time and money on the commute, and spend time fighting this.
Product: Prepaid card

XX/XX/year> - Called Prepaid Gift Balance regarding gift card not working. Tried to use at XXXX, and many other vendors. Verified balance was available of {$50.00}. Customer service with poor XXXX stated they would replace gift card. Provided many Personally Identifiable Information, including DOB, and other sensitive information to put on file for this card. Had to speak one letter at a time. 
XX/XX/year> - Replacement gift card received. Can not activate through automated system. Automated system states invalid card information. Spoke to representative. Took multiple calls. First representative hung up on me. Second representative states to wait 24 hours because attempted too many times and failed, after researching with " Specialist ''. Both representatives had poor XXXX speaking and understanding skills. 
XX/XX/year> - Attempted to activate replacement gift card again. Can not activate still as system states invalid information provided. Spoke to representative. Insists replacement card works fine. Says new replacement card has to be sent again. Representative 's XXXX speaking and understanding skills were poor.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX 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  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account XXXX : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ODE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Account was opened with World Finance Corporation in XX/XX/year> leaving a balance owed of {$0.00}. This account was stated to me by the debt collectors that this account was closed and would be approved to be removed off my credit profile.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Transunion regarding inaccurate and incomplete information on my credit report. The letter was sent via tracked mail with Tracking Number : XXXX. As of today, over 35 days have passed, and I have not received any response or resolution from Transunion. 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), Transunion is legally required to conduct a reasonable reinvestigation and correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. Transunion 's failure to comply is a clear violation of this law.

Additionally, my dispute included evidence of identity theft and requested Transunion to block fraudulent accounts, which they have failed to do. This is a violation of 15 U.S.C. 1681c2, which mandates that consumer reporting agencies must block fraudulent information within four business days upon receiving proper documentation.

Transunion has also violated : 15 U.S.C. 1681e ( b ) : Failing to maintain accurate and complete information in my credit file.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) ( i ) & ( ii ) : Failing to correct and update inaccurate information.

15 U.S.C. 1681n : Willful noncompliance, subjecting Transunion to civil liability.
Product: Checking or savings account

Chase XXXX stated at the beginning of the 2022 year they would be using the 24 hour grace period for insufficient funds fees in an effort to reduce these fees. On multiple occasions, most recently on XX/XX/2022 I was once again charged a {$34.00} fee for a transaction done earlier in the day. And Chase did not post my payroll check til XX/XX/2022 at XXXX which in Chase parameters is exceptable for the {$34.00} insufficient fund charge. It seems that Chase is using creative accounting to get around charging the consumer these fees. Yes Chase says they are eliminating excessive bank fees when in actuality they are not. Instead they are posting deposits well after the end of the day so they can charge these fees to consumers. As a consumer I feel these big banks are misleading their customers and still charging unnecessary banking fees despite of what is being said.
Product: Debt collection

I am filing this complaint against IC Systems INC, for reporting an unverified and inaccurate debt of {$770.00} on my credit report. The company has failed to provide any legally required documentation or verification despite multiple dispute requests.

Specifically, IC Systems has engaged in the following violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : 1. Reporting a debt without notifying me first I have never received prior communication about this alleged debt.

2. Failure to validate the debt Despite my written dispute request, they have not provided any supporting details, such as account numbers or the original creditors name.

3. Failure to respond to my dispute I have sent multiple notices requesting validation and removal of this debt, but they have ignored my requests.

4. Unlawful credit reporting They continue to report the unverified debt to credit bureaus, causing damage to my financial standing and credit score.

This false and wrongful reporting has negatively impacted my ability to obtain loans and has caused undue stress. I have also sent them a final notice demanding removal within 7 days, but they have not responded.

Steps I Have Taken : 1. Disputed the debt in writing and requested validation.

2. Sent follow-up notices with deadlines for response.

3. Filed a complaint with the Better Business Bureau ( BBB ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company repeatedly to advise the car was purchased back and paid for by the dealership XX/XX/XXXX and the funds for the vehicle were cashed in XX/XX/XXXX and the remaining balance was sent and cashed by the company on XX/XX/XXXX. They have now falsely reported to my credit a late payment to a car I have not had in over 6 months and in their system their last payment of record is XX/XX/XXXX which is incorrect. They have made my credit drop 51 points!!!! I even gave authorization for the dealership to contact the lender to provide the check number amount and confirmation of the check being cashed. This is not fair to me or my family!!
Product: Credit reporting or other personal consumer reports

I just see a lot of inquiries on my credit report SYNCB/AMAZON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that CAPIO PARTNERS would verify the debt. So I took it upon myself to ask CAPIO PARTNERS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent letters to this consumer reporting agency to correct my personal information, My legal name is XXXX XXXX XXXX. I am not a criminal Therefore, I do not have any aliases. 
As far as my address goes, I only have one. And it is as follows, XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX. 
. Transunion is presenting false statement as fact. And it is causing significant damage to my reputation. I need this information corrected immediately.
Product: Payday loan, title loan, or personal loan

Didnt apply for loan with company, the information is not accurate.
Product: Credit card

I was charged {$300.00} by XXXX XXXX XXXX card ( XXXX ) for a cabin that I reserved for XX/XX/XXXX to XX/XX/XXXX. We drove XXXX hours down to XXXX  just to find the address as a house ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and not a cabin which I verified with the XXXX fire department. Once the charge was posted I disputed the charge because we didn't get the cabin.Capital one credited the charge initially and then reversed it asking for paperwork.I sent said paperwork ( including a detailed explanation of what transpired ) and they denied my dispute. We didn't stay ergo I won't pay for NO services rendered ... ....
Product: Student loan

I have requested multiple callbacks from XXXX Mohela over the years. Less than 50 % of my requested callbacks are ever filled. Most recently, XX/XX/, I had scheduled to call back. No one ever called. This repeatedly impacts my ability to make informed financial decisions. Hold times are crazy. Scheduling a call is the only way to contact them as I work a full time job. When I make time, and they don't call, this has significant negative impacts.
Product: Vehicle loan or lease

I am a VICTIM of Identity Theft. Someone fraudulently purchased a vehicle, ordered credit cards, purchased furniture and took out loans in my name. I reported the fraudulent transactions to the credit bureaus, however, they are refusing to remove any negative information from my credit reports. I notified XXXX, XXXX & XXXX. I received forms to complete and NOTHING has been RESOLVED. These are the following accounts that are FRAUDULENT : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX Under the FCRA 15 US Code 1681S-2 and 15 USC 1681 ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). None of these negative accounts should be reported on my credit as OPEN accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX/XXXX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Student loan

Someone stole and used my information as a co-signer and took out a student loan. I did not sign my name anywhere for this. It is identity theft and I never authorized myself to be a co-signer.
Product: Debt collection

I received a letter from Discover threatening me with a lawsuit for unpaid debt. Due to the COVID pandemic I have been laid off from work and surviving on unemployment benefits and support from relatives and friends. I have mentioned this to Discover but they are still pursuing this legal action against me. 
I kindly request to look into this matter. I can be reached on my email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.S 1692g. This agency fail to respond satisfactorily with deletion of the accounts that are reporting on my credit report and also failed to provide me with a free copy of my credit report after the changes. it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation. Also I will also be seeking {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g. My information was impacted by the Equifax data breach as well so therefore got into the hands of a criminal.
Product: Mortgage

I filed a complaint previously ( last month ) about not receiving my mortgage statement until after the date due. Their response was I have to pay it over the phone or online. On XXXX XXXX, 2022 I call customer service because I did not receive statement for XXXX 2022 payment. I was told it went out on XX/XX/XXXX. On XX/XX/2022 I call again after still not receiving statement and was then told it went out on XX/XX/XXXX. Once again I have been given misinformation. I had to print a statement to send it in and in and it is my belief I was not sent a statement at all. Shellpoint was the only bill I had not received of all my bills. I was offered automatic payments and or to pay online or by phone. To me that is unacceptable.
Product: Checking or savings account

Someone is using my personal information for a PayPal account. The suspect name is XXXX XXXX and is using my email address for unauthorized use of an account. PayPal refuses to fix the issue. The issue was first noticed back in XX/XX/2018, and the issue persists after contacting PayPal to suspend/close the account.
Product: Payday loan, title loan, or personal loan

They charged 299 % interest ... I had no idea this is Robbing me ... I have payed the loan off however because of the interest rates I have barley paid the principle and I am still getting ridiculous interest charges of 299 %
Product: Credit reporting or other personal consumer reports

somehow paypa, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are allowed to look at my credit and i never gave them permission .according to15. u.s.c. 1692c these companies are violating my right by unlawful communication please remove these from my credit thank you
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 Acct # XXXX has violated my rights. 
XXXX XXXX NA -Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Mortgage

Because of the low principal balance on my mortgage Chase Mortgage informed me that I could place my Homeowners Insurance myself. However, they did not tell the insurance department of Chase who went ahead and also placed a policy. Which when cancelled incurred a {$720.00} short rate charge. This also happened the year before! Please advise?
Product: Money transfer, virtual currency, or money service

I can't access my XXXX to send my XXXX off of Geminis wallet into a separate XXXX wallet after seeing bad reports/reviews they have currently held my XXXX hostage for almost 24 hours now and are asking weird questions which I answered along with sending the selfie/image they asked for and still they haven't unlocked it where I can send it to my other wallet so I can close the Gemini account after all theses issues Ticket ID : XXXX