23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This complaint addresses violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), Privacy Act of 1974 ( 5 U.S.C. 552a ), 15 U.S.C. 6802, 12 CFR 313.7, 16 CFR 433.1-3, and other consumer protection laws by XXXX XXXX XXXX XXXX  and associated Credit Reporting Agencies ( CRAs ) : Experian, XXXX, and XXXX. This complaint also raises concerns regarding retaliation and threats by XXXX XXXX XXXX executive office in response to my lawful disputes. 

Key Violations and Applicable Laws 1. Unauthorized Reporting ( FCRA, 15 U.S.C. 1681 ) : 15 U.S.C. 1681b : Reporting personal financial information to CRAs without explicit written authorization is unlawful. 
15 U.S.C. 1681c : Reporting irrelevant or excessive information, such as transaction history unrelated to active accounts, is prohibited. 
15 U.S.C. 1681e ( b ) : CRAs must ensure maximum possible accuracy in the information provided by furnishers. 
2. Violation of Privacy Rights ( 15 U.S.C. 6802 and 12 CFR 313.7 ) : 15 U.S.C. 6802 : XXXX XXXX XXXX failed to provide opt-out mechanisms for sharing my nonpublic personal information. 
12 CFR 313.7 : Financial institutions must provide a clear and conspicuous opt-out notice before sharing consumer information with nonaffiliated third parties. XXXX XXXX  failed to comply with this requirement. 
3. Privacy Act of 1974 ( 5 U.S.C. 552a ) : XXXX XXXX  and associated CRAs disclosed excessive personal information, including previous addresses, transaction history, and irrelevant details, without authorization. 
4. Certificates of Indebtedness ( 16 CFR 433.1-3 ) : Reporting charge-offs or similar items constitutes unlawful reporting of certificates of indebtedness or income, which is not legally permissible. 
5. Retaliation and Threats ( 15 U.S.C. 1692d ) : Retaliatory actions and threats by XXXX executive office violate federal consumer protection laws. Harassment, coercion, or obstructing my legal rights is prohibited under federal law. 
6. Civil Liability for Noncompliance ( 15 U.S.C. 1681n ) : Chases willful noncompliance entitles me to statutory damages of {$1000.00} per violation per CRA for unauthorized reporting and disclosures. 

Concerns Regarding Retaliation XXXX XXXX XXXX executive office has allegedly engaged in retaliatory actions, including : Attempts to coerce or intimidate me into withdrawing legitimate disputes. 
Harassment or verbal threats regarding my accounts and credit standing. 
Obstructing my ability to exercise my rights as a consumer under federal law. 

These actions are not only unethical but illegal under 15 U.S.C. 1692d and other consumer protection statutes.
Product: Credit card

On XX/XX/XXXX i was charged a {$30.00} late fee, on XX/XX/XXXX i was charged a {$37.00} late fee, on XX/XX/XXXX i was charged a {$37.00} and XX/XX/XXXX i was charged {$37.00} late fee. I noticed that each month Alphaeon always has something wrong with the payment website. Several times I logged on to make my payment as agreed in contract but my account would be disabled/locked and unable to log into. 

Alphaeon, comenity bank has charged me {$140.00} in late fees even when my monthly payments were not late. 

15 USC 1666b- timing of payments state that 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 1637B of this title is mailed or delivered to the consumer no later than 21 days before the payment due date.

This creditor Alphaeon is in violation of 15 USC 1666B by considering my payments late and automatically charging me late fees for payments that LEGALLY WERE NOT LATE. I demand this creditor to prove they have reasonable procedures designed to ensure that my periodic statement was mailed or delivered to me no later than 21 days before the due date for each date of payments they considered late and charged fees on. 

I have not received my periodic statement 21 days before the due date on a monthly basis yet this creditor still automatically charges me late fees, which is in violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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

15 USC 1681 section 604 A section 2 : States a consumer reporting agency can not furnish the account without my written instructions.

15 USD 1681 section c. ( a ) ( 5 ) : 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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Representative of firm called Consumer Recovery Solutions, name of rep XXXX XXXX, phone number XXXX, called to attempt to collect on an overdrawn checking account from XXXXXXXX XXXX, overdrawn in 2010. Original overdrawn amount was {$130.00}. Was attempting to collect {$700.00}, and threatened that their firm has attempted a court summons recently, though he could not say when. We have received no mail, or any other notification, of the overdraft or the attempt to collect. He referenced a case number, XXXX. We initially agreed to pay, but moments later, changed our mind. Our bank told us that to fully cancel the transaction before it took place, we would need to close the debit card fully that we provided to them. This is a damage to us, and we will be without the debit card. We have suffered significant emotional stress due to this call, and this entire ordeal. When I attempted to contact this firm, I did speak with the rep, XXXX XXXX, and told him we wanted some paper form of the original debt and who it was owed to, and told us we would not be provided that information, then abruptly hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Republic Finance reported that the account was more than 30 days past due. Payments on this account for the regular monthly payment of {$350.00} have never been 30 days past due. My final payment was for any late fees acquired on the loan throughout the 2 years that I have been making payments. I have proof that every regular monthly payment has been made and never 30 days past due. They have always been made within the month they were due. I have called and was told that the only person to help wouldn't be in for a week and then I should have made the payment for any late fees with that last payment and the late fees are considered past due. If the regular monthly payment has never been 30 days late I can not be punished for making my final payment of late fees within that next 30 day window. There was never any indication through their online site or through phone calls or mail that if the late fees were not also included in my regular monthly payment that I would be reported negatively to the credit bureaus and have my score drop over XXXX points. I have a pdf and print copy of my payment history including where i made the payment for the late fees within the month that I would have assumed they were due which was XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information reporting on my credit report.Account number XXXX, This inaccurate medical account was paid to the original data furnisher XXXX XXXX and should not have never been put on my credit report. I would like for the whole account to be deleted immediately. It's not reporting 100 % accurately. It doesn't even have the name of the data furnisher, nor any other identifying information.
Product: Credit reporting or other personal consumer reports

they are playing games for 3 months now. they keep sending back disputes in a plain envelope and dont say anything, my proof of ID was cyrstal clear. They accepted the same info for some disputes, but not for others.
Product: Checking or savings account

Can Not stop the paper statements on line as BBVA states, tried 5 times to do it, each time, says, I have to call a XXXX number which I am not going to waste my time, thus it's a lie they said to CFBP. I will file another complaint, when the statement fee comes in. Either way I want to close this account as dont want BBVA anymore, with poor service, I opened a XXXX account checking/savings account with superior service. I have to wait till SSA stops the direct deposit in XX/XX/XXXX before I can close the BBVA account. I never want to do business with this entity again
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with the bureaus previously and it has not been resolved! There a 2 XXXX XXXX  late notations reporting on my file that are erroneous. I did a quick sell on my home and ended up moving immediatley and the new owners settled in very shortly after. My title company was supposed to be taking care of the transactions and since it was in XXXX, I assume it would take 30 days to process payment but XXXX only has 28 days in the month. What I wasn't aware of is that XXXX reports late notations on the XXXX of every month and will consider you 30 days late after that period. They knew my house was going up for sale and they would receive their payment in 30 days! They ended up putting late notations on for XXXX because the payment wasn't received by the XXXX and for XXXX?! They had already received the full payment and the account should have been closed. There was no payment due in XXXX so there is no possible way for me to have been late. I disputed this with them and they apologized for the confusion and gave me a XXXX card?!? I can afford my own XXXX, I need them to remove the erroneous lates.
Product: Credit card or prepaid card

There is a previous complaint several with cap one and closing the complaint process before a response can be made I am attaching bank statements and a cap one statements that reflects a returned payment of {$110.00} added onto my credit card balance XXXX payments were made in the amount of {$140.00} and {$37.00} the {$140.00} payment shows uP and not the additional {$37.00} payment total payments were {$180.00} on account ending in XXXX and an {$80.00} payment on account ending in XXXX when i mentioned a compromise with cap one dating back to Neiman Marcus in XXXX With cap one my account XXXX as charged off that is negative reporting on my credit files
Product: Credit card

This is my 3rd letter sent to Chase Bank, all by certified mail of requesting that you remove inaccurate information from my file or prove that it belongs to me. 

Below is both my letter to Chase Bank sent on XXXX XXXX, 2015 and my complaint to the CFPB about the reckless Banking Behavior on Chase Banks ' part. 
Please see attached documentation all sent via certified mail to chase bank. 
TO CHASE : On XX/XX/2015 You received a XXXX demand letter, this was sent certified mail XXXX that was signed for by your company. As of today you have failed to provide me with the proof I have lawfully requested. since you have not supplied the demanded proof of the account, under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the all alleged account, nor therefore any such account, in fact exists. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair And Accurate Reporting Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 









FCRADamages for a Willful ViolationIf you can show that the credit reporting agency information furnisher, or entity using the information willfully violated its obligations under the FCRA, then you may be entitled to recover up to all of the following damages : Basic Damages-actual ( provable ) damages ( no limit ), or-statutory damages damages between {$100.00} and $ XXXXyour actual, provable damages ( no limit ), or {$1000.00} flat ( no minimum ). 
Punitive damages, as decided by the court. 
Attorneys fees and costs. 
Definition of " Willful '' A willful violation does n't just mean that you have to prove that the entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklessly -- that is, the entity knew or should have known that it was running afoul of the FCRA. 
Damages for a Negligent ViolationYou are also entitled to damages if you can show that the entity negligently failed to comply with its obligations under the FCRA. Damages here include : actual damages ( no set limit or minimum ), andattorneys fees and costs. 


As Per The Fair And Accurate Reporting Act : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Product: Checking or savings account

I had 3 IRA accounts established at Ally Bank ( AB ) for a number of years and am transferring them all to XXXX XXXXXXXX XXXX XXXX XXXX  to consolidate and be able to better manage retirement funds. 2 were term CDs and 1 was an IRA Savings account. The CDs matured XX/XX/24 and XXXX XXXX and I sent them via fax their documents to close out these accounts and remit the full balances to XXXX XXXX. After hearing nothing for a couple of days, we called Ally to follow up and were told there was a '3 to 5 business days processing period, and then a check would be mailed out '. As rates are currently in the ~5 % range and this involved approximately {$270000.00}, the loss of interest on earnings is running nearly {$38.00} per day, so we asked how we could get the funds wired out to XXXX XXXX ASAP . The Ally representative guided us to the wire transfer request forms and XXXX XXXX said they ( XXXX ) would absorb the wire fees, which would have to be 3 separate wires for the XXXX accounts. The XXXX rep explicitly inquired if e-signatures were acceptable from the client ( myself ) on these forms and were told those were acceptable. These were submitted by XXXX on or about XX/XX/24 to AB. After again hearing nothing for several days, we called AB again on XX/XX/24 to ask why the wires had not been sent. We were informed by AB that the forms were rejected as they required 'wet ' ink signatures, not e-signatures, and that a notice of same had been sent out via snail mail, which I have still not received as of this date. They had my and XXXX 's phone numbers and email addresses all this time and yet resorted to snail mail. I was unable to physically sign new documents until the morning of XX/XX/24 ( today ), which I did and ML submitted them yet again to AB. XXXX  and I jointly called AB today who confirmed receipt of the fax and said they were in process of scanning the faxed documents into their system and thus could not confirm all was fine. They said this would require yet another 3-5 business days to process -- we explained that we had already been delayed ridiculously long by their feet-dragging and their incorrectly telling us e-signatures were acceptable and asked if this could be expedited, AB said no. AB said that receipt of the forms removed the 10-day rollover or penalty provision which we are taking at face value for now, though AB was not willing to reimburse me for all the lost interest during this time. My request is XXXX items : 1. Ensure that the 10-day rollover period does not become a problem 2. AB to provide reimbursement for my lost interest on funds during these delays. 
3. I recently heard that an industrywide problem/gimmick with these online banks is when you try to get your funds out or close accounts -- there tends to be these inordinate hassles and delays while they sit on your funds. That should be addressed with these online banks as an industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX report not showing XX/XX/2023 and XX/XX/2023. I have asked them to updated and report the proper information as this could hurt my scores.
Product: Credit reporting or other personal consumer reports

please see attached forms, i was affected by the Equifax data breach. Equifax, Transunion and Experian refuses to block information within 5 days of getting my FTC REPORT and allows creditors to report on my credit file without my written or verbal consent. i have requested a method of verification and also ask them to cease all credit reporting for carmax auto finance and procollect until this issue is resolved. They have violated my privacy rights and fair credit reporting consumer rights
Product: Credit reporting or other personal consumer reports

XXXX and Equifax have been contacted a few times mainly by email and phone in requesting a dispute ; in regards to removing a bankruptcy from my report. The other two bureaus removed this file ; in which, it was placed without my consent. Verification was provided to both XXXX and Equifax to inform them I am who I said I am. However, the file still remains on my report. The court system has stated they do not report to credit reporting agencies with this type of information. This is labeling me as a high risk, higher interest rates, additional deposits, and more. XXXX buy this type of information from databases, and place them on reports without the individual 's consent. This becomes a breach of the privacy of others. I will be in the process of obtaining funding and purchasing a property, and I will not for this to be a blockage.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! XXXX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states i have right privacy.

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

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC, 1681-B A Intends to use information as Experian violated my consumer protection rights FCRA. My desire is to have these inquires removed from 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 XXXX
Product: Debt collection

This company has not furnished a contract with my signature on it in blue ink agreeing that I owe {$160.00}. 
Also In accordance with The Fair Credit reporting act this creditor has violated my rights. Under 15 USC 168 1 section 602 says I have the right to privacy.. Under 15 USC 1681 604a section 2 a consumer reporting agency can not furnish an account without my written instructions. Under 16 USC 1666b a Creditor can not treat a payment on an account that's open on a credit report as late unpaid or in collection. Private information was transferred without my permission. I have a common law copyright on my name XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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.