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

In XX/XX/XXXX I filed I Filed a complaint With consumerFinance.gov complaint # XXXX against XXXX XXXX XXXX which was resolved favorably the resolution was that the account was closed payments were backdated and the credit reports to remove late payments and references. My credit reports were updated immediately. On XX/XX/XXXX my transunion report updated to a new 90 day late with the date of XX/XX/XXXX for this account. This was changed again. I have the resolution letter from XXXX that included the payment history which contradicts this new credit reporting the resolution was also reported on my consumer finance file. I was not even delinquent in XX/XX/XXXX as stated on my updated report
Product: Debt collection

Equifax has re reported the XXXX account again without a 5-day notice. This is against the FCRA. I 've disputed this debt before and it was removed from my Equifax report in the past for being re reported. I 've attached a letter from Equifax in the past for the removal.
Product: Checking or savings account

Every month they were taking a maintenance fee out of my account when I wasnt supposed to be charged for a maintenance fee. This fee cause me to be over drawn on several occasions and have an overdraft fee.
Product: Debt collection

This debt continues to show up on my Equifax report as open status. However it is noted that it 's been discharged in bankruptcy since 2011. It is affect my credit score and should not be there.
Product: Mortgage

XXXX XXXX, XXXX I have provided Seterus with my XXXX County Property Tax Examption Certification for the tax year, as instructed by my County Property Tax Office. about a month ago. Their " telephone customer service '', determined that a " check for approximately $ XXXX+ was issued to me and sent to me back in XXXX, XXXX, for the tax year XXXX. I never received this check. Though a small amout about a {$100.00} refund ( unrelated ) subsequently I did received XXXX, XXXX time frame. So, after being in phone conversation, each time about an hour, with Seterus Tax Dept ( XXXX XXXX ), and Seterus Customer Service, I was told on XXXX XXXX, XXXX, a check for {$2900.00} ( aprox ) was being issued, and sent to me by mail to my mailing address, within 7 to 10 days of XXXX XXXX, XXXX ( the day I called first regarding my " Property Tax refund check for XXXX '', after faxing them the " Property Tax Exampt Certificate from my XXXX County Property Tax dept, as suggested by the county tax officer. This was the 2nd one hour phone call with Seturus Customer Service. 
Today, XXXX XXXX, XXXX, I called Seterus Customer Service again. After holding for 56 minutes on phone, with this customer service rep, she told me something very different. 
I was told that no check was sent to me, as promised on XXXX XXXX, XXXX. That an " escrow analysis '' will be done on XXXX XXXX, XXXX, as they do that once a year. After that, they may or may not send back the " XXXX TAX Refund Check ''. 
I have a family medical emergency with XXXX family members, and I have medical bills to pay, and this " uncertainty '' and repeated misleading statements and required enormous time spent on phone with their customer service dept, is an enormous burden. Seturs by the way, was selected about 4 years ago, when I did a loan modification via the Federal government, and this company was selected by the FHA loan that I had at that time, via loan modification protocol I submitted. I have never defaulted on any monthly mortage payments since that time, and have set up automatic withdrawl each month as per their instructions from my checking account, renewed every three months since then, by phone as required by Seturus.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXX Balance : {$920.00}
Product: Money transfer, virtual currency, or money service

My minor daughter was contacted by an online scammer, offering to send her money to her bank account if she would XXXX them money according to their indstructions. 

The scammer purportedly deposited {$3500.00} in her Wells Fargo account which the bank said was available to my daughter. 

After she sent {$400.00} via XXXX, the bank then said the deposit was not valid and is forcing my daughter to pay them the {$400.00} even though she relied upon the bank 's representation to indicate the money was available. 

This is not in keeping with bank policy, and besides that, my daughter never opted in to the XXXX system and even if she did, she would be a minor and unable to sign on her own. 

I've tried to resolve this with the bank since XX/XX/2022, the day I discovered the fraud.
Product: Credit reporting or other personal consumer reports

I have sent in the necessary documents to Equifax, Experian and Transunion credit reporting agencies, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from XXXX site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need these credit agencies fraud departments under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
_And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation against ALL parties involved with this illegal reporting, immediately. All Actual, Statutory and Punitive damages will be enforced. *Up to but not limited to {$1000.00} usd per month per illegal reporting.
Product: Debt collection

XX/XX/year> is the date alleged to have opened this account with balance of {$2500.00} original credit Advance Financial and collection company is XXXX XXXX XXXX XXXX. 
I have disputed this with the collection company as well as CRB 'S but the information still shows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally express my concern and dissatisfaction with the recent investigation conducted by your bureau regarding a disputed late payment on my account with XXXX XXXX, account number ending in XXXX. 

On XXXX/XXXX/2024 ], I submitted a request for investigation, clearly stating that I have never been late on any payments for this account. I provided you with the necessary details, including my expectation that your agency would conduct a thorough investigation and provide either proof of the alleged late payment or update the record to reflect that all payments were made on time. 

To my dismay, I was informed that your investigation concluded the late payment was " verified '' without any proof or supporting documentation provided to me. This response is both unsatisfactory and concerning, as it suggests a lack of due diligence in your investigation process. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and to conduct a reasonable investigation when a consumer disputes the information. The failure to provide proof of the late payment or to correct the error is a clear violation of these responsibilities. 

I demand that this matter be re-investigated with proper attention to detail, including : XXXX. Providing documented proof of the alleged late payment, such as account statements or communication from the creditor. 
XXXX. Correcting the inaccurate information on my credit report if proof can not be provided, reflecting that all payments were made on time. 
XXXX. Providing a detailed explanation of the investigation process that was followed and the specific steps taken to verify the information. 

Please consider this letter a formal complaint. I expect a response within XXXX  days, as stipulated under the FCRA. If the matter is not resolved to my satisfaction, I will have no choice but to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

Thank you for your prompt attention to this matter. I look forward to your swift and accurate resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have an installment loan with BMG Money. My payments are made through payroll deductions. I received an email and several texts on Saturday XX/XX/XXXX stating that my payment was late for XX/XX/XXXX and I had to submit the payment. I checked my paystub and the payment was taken out as usual. I tried calling Saturday but the call kept disconnecting my call. I got through on Monday and was told by two customer service representatives that my payment was late and I had to pay interest on this payment of {$9.00} a day. I was told owed {$58.00} with no documentation to support that figure. Per the account screenshots was allegedly 1 day late. I tried to explain that I had payroll deduction and my payment could not be late because its sent on time. I stated the issue was that their bank was closed on Monday because of the holiday and didnt send the money until Tuesday. This is not my fault I can not control when their bank sends the money. This is new, previous loans when the due date fell on a holiday it was just applied and there was no issue.
Product: Debt collection

My wife went to the emergency room by XX/XX/year> waited over XXXX hours in the waiting room ( lobby ) and than she left without been admitted or receiving any care! Again she just check in and waited but, has never been admitted! She returned home and in the morning took a cab and went to XXXX XXXX XXXX to get the care she needs! I have their claim that was paid by my BCBS insurance! Now CMRE financial representing " Hospitalist Physicians of New York trying to make us to pay for a " fraudulent charge '' since she was never admitted at that facility and she " left '' after waiting in pain for near XXXX hours! My insurance said they requested many times the medical records for the " care " administered to my wife but, they never provided it and the claim were denied!
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 168b permissible purposes of consumer reports. 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. 

These Inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. On a list of inq

uiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act bank : XXXX XXXX XXXX # XXXX, has violated my rigths. 

in accordance with the fair credit reporting act bank : XXXX XXXX  XXXX # XXXX, has violated my rigths in accordance with the fair credit reporting act bank : XXXX XXXX XXXX  # XXXX, has violated my rigths in accordance with the fair credit reporting act bank : XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. states i have the rigth 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is violating the truth in lending act, specifically 15 U.S. Code 1637 ( i ) ( 4 ) as I had closed a credit card account sometime last year. They have decided to report false negative information on my consumer report when the Truth In Lending Act specifically states " Closure or cancellation of an account by the obligor shall not constitute a default under an existing cardholder agreement, and shall not trigger an obligation to immediately repay the obligation in full or through a method that is less beneficial to the obligor than one of the methods described in section 1666i1 ( c ) ( 2 ) of this title, or the imposition of any other penalty or fee. '' They have constituted a default and my consumer reports is proof in addition to them having sharing my nonpublic financial information with a 3rd party debt collector.
Product: Debt collection

Calling me monthly asking when I will make a payment. Have not been late on a payment in over 3 years. They have no reason to call me. Have ask numerous times not to call me.
Product: Credit reporting or other personal consumer reports

Dear CFPB, In accordance with the Fair Credit Reporting Act, the unauthorized reporting of the accounts below has violated my federally protected consumer rignts to privacy and confidentiality under 15 USC 1681 : 1 ) Account name : XXXX XXXX XXXX XXXX ) Account name : APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The companies listed above have 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. 

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. 

Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX XXXX XXXXT : Account Number : XXXX Account Name : ( Original Creditor XXXX XXXX ) : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/XXXX 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 disputed accounts on my Experian credit report. As this company has violated my consumer rights and has caused significant financial harm by reporting accounts that I have disputed. They are not properly investigating the collection accounts and have updated the accounts as paid off instead of deleting them from my credit report.
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 XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX and XXXX XXXX XXXX were reflected as late payments 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. 
Kindly update or correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.
Product: Credit reporting or other personal consumer reports

This acct was charge off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) and on XXXX it's ( XX/XX/XXXX ) If the information is coming from the oringinal creator the dates should be the same. We can not say this account is 100 % accurate so it is deemed INACCURATE. Please delete this account from my report.Account Name : XXXX XXXX XXXX  I HAVE ATTACHED REPORTS AND MY ID, SS CARD AND VERIFICATION OF MY ADDRESS
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX and XXXX of XXXX, I had complications with my bank and they ended up withdrawal double the payment amount for a car payment, once the mishap was noticed, I had already received communication stating that my payment had not gone through. Mind you, I have 8 other obligations ( Loans are credit cards that were paid and processed ) I sent in XXXX the letter from my bank stating the mishap, I sent in my bank statements of the over withdrawal and the funds being sent back to me correctly from my bank, and I also sent in my bank statements that showed when I processed all payments, and I ended up making four payments to both XXXX XXXX, and XXXX XXXX XXXX  rewards and they still showed me for 30 days past due, even though I actually made the payments before the due date, then was made aware by my bank that there was a mishap with processing and they were to send me back funds. I immediately reached out to both XXXX XXXX XXXX  who then told me to reach out to the credit bureaus even though they knew it was at no fault of my own that the payments did not go through. They even sent me emails stating that the payments had been made. I have never had a late payment. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 my written instructions.

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

The following accounts were fraudulently obtained in my name without my permission or knowledge. I've contacting each creditor about the activity. Below are the dates the fraudulent accounts were opened and also the amount of the charges. 

XXXX Date opened : XX/XX/XXXX. 
Amount charged:XXXX. 

XXXX Date opened : XX/XX/XXXX. 
Amount charged : XXXX. 

Capitol One Date Opened XX/XX/XXXX. 
Amount Charged XXXX XXXX XXXX Date Opened : XX/XX/XXXX. 
Amount Charged XXXX XXXX Date Opened XX/XX/XXXX. 
Amount charged : XXXX. 

Please remove as soon as possible. 
THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX and 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions