23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

FAILING TO DISCHARGE ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHAP. 48,49. JUNE 5, 6,1933, HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 BANKRUPCY ACT OF 1933 I sent my remittance slip/Bill of Credit Approval to Bank of America Processing Center XXXX XXXX XXXX XXXX XXXX, DE XXXX via first class mail. I also sent a copy of my remittance slip/Bill of Credit Approval to the Chief Financial Officer and the Registered Agent via certified mail and return receipt. Both received on XX/XX/XXXX. Until today, the bank has not credited my account and XXXX it pursuant to 15 U.S. Code 1666d. As per UCC 1-202 Notice ; Knowledge was given to the CFO & Registered Agent via cert mail and return receipt. The debt is XXXX upon receipt. Negotiable instrument is legal tender and if it is refused, there is XXXX pursuant to UCC 3-603. There is no money to pay because of the Bankruptcy Act of 1933. A negotiable instrument is legal tender according to the IRS employee handbook and the International Bills of Exchange. They are acceptable form of payments. I received a letter form the Bank to discuss credit card request. This is false and misleading because when I called them it was to discuss my credit card PAYMENT. I spoke with a customer service representative and XXXX XXXX from Client Care, Executive Response Team, Bank of America and neither of them knew what negotiable instrument was. They were not able to help me with this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am ( XXXX XXXX, social security number XXXX ) writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested specific information from Chexsystems in order to resolve an issue with XXXX XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX XXXX President/CEO XXXX XXXX in XX/XX/XXXX via certified mailed as well as XXXX XXXX and Senior VP XXXX XXXX on XX/XX/XXXX. Both requests were not responded to. I would think they would be empathetic regarding the climate of our world right now and how everyone is struggling just to survive and a consumer does not just reach out for no reason unless they really needed assistance. I then reached out to Chexsystems in XXXX of 2020. What is suspicious and odd to me is to reach out to a financial institution on two occasions and not receive a response about information reported to a reporting agency such as Chexsystems and then that reporting agency does not properly investigate or fulfill my request. I sent my request on XX/XX/2020, I then track the item to see that Chexsystems must have received my letter on XX/XX/2020, yet on XX/XX/2020. Chexsystems generates a response to me stating they are investigating and will respond, however I never received any of the information that I requested. That is odd that both entities are taking a hands off approach when a consumer is reaching out for assistance. I also believe that Chexsystems is in violation for not researching my request.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment to be updated.

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

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


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

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

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

Update the late payments from my consumer reports
Product: Credit card

I appealed a dispute of a charge from Saks Fifth Ave on XX/XX/year> in the amount of {$1100.00}. The dispute was initially denied based on the merchant 's claim that the product was delivered ; however, I did not receive the package. 
Although the merchant provided a confirmation of delivery, I want to emphasize the following points : 1. No Signature on Delivery : The package was reportedly delivered without any required signature. I did not sign for the package, nor did anyone in my household. Also, a picture was provided that the package was left on the porch but could have easily been taking back with the delivery driver or stolen prior to me getting home to retrieve it.

2. Thorough Check of Property : I have thoroughly checked my property, including areas where the package could have been left, and found no sign of it. I have also inquired with my neighbors, and none of them have received the package on my behalf or retrieved it for me.

3. Adherence to Protocol : I followed all necessary steps to file a claim with the merchant. Despite providing them with this information, my claim was denied solely on the basis of their delivery confirmation.

Given these circumstances, I believe that I should not be held responsible for a charge for goods that I have not received. I requested that my dispute be reopened and credit the amount of {$1100.00} back to my account. The credit company send a response on XX/XX/year> Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. yet on XX/XX/year> I received an alert stating I have an account 30 days late and my score has dropped XXXX points. I called the credit card company and the representative stated they sent a letter on XX/XX/year> saying the dispute was denied again because the merchant verified the purchase was received. This is very disheartening. Where is the protection here? Things happen and Im standing on I never received my package so I will not pay for something I never received. 

Keep in mind the charge was XX/XX/year>, Ive contacted the merchant 6 times since then, the previous credit card company ( capitol one ) 7 times before it was sold to XXXXXXXX XXXX and then contacted the new bank 6 times. Still they did nothing in my favor and put a delinquent mark on my credit which is XXXX might I add. I am livid to say the least.
Product: Checking or savings account

On or about XX/XX/XXXX, a person by the name of XXXX XXXX stole a check forged my name and deposited the same into his account. I contacted Citibank regarding this matter, to no avail the investigation was closed twice due to Citibank 's failure of providing letters of information requested the 1st time and when having done so, up and to including a police report mailed into Citibank, they have not given me my funds back. I go to court in this matter on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing accuracy of the accounts with the collection agency 's for one whole year now, I ask why they are inaccurately reporting this charged off a account with a monthly balance for the past couple of years, this is a violation per the FCRA section 623 section 5. Furnishers must only notify the credit reporting agencies the date, month and year when the account was marked as a charge off. Additionally I keep asking them to validate the alleged debt. They just keep on sending itemization of charge which is not debt validation. I ask them for proof of the initial contract and or my wet signature. they have failed several times. The is affecting my credit worthiness and i demand this to be removed from my credit report immediately.
Product: Debt collection

I XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Product: Vehicle loan or lease

GAP Insurance paid off the remaining balance all the way back in XX/XX/XXXX  XXXX
Product: Vehicle loan or lease

I was approved for a loan in XXXX of last year I gave the funds to the dealer and was waiting for my car the dealer stated that the money had to clear first and that the car should be arriving soon. No I can not get in contact with the dealer they have changed their number I dont know whats going on I still have not received my car and it has been three months. I notified Navy Federal they stated that the check had already been cashed and that they could not help me I do not know what to do.
Product: Checking or savings account

PNC has changed their accounts so that they do not link to accounts such as XXXX. I would like to fund an investment account via XXXX but PNC will not allow me to do so. They use to but changed for " security '' purposes.
Product: Debt collection

I underwent XXXX and paid out of pocket. Before the procedure I inquired about the price and was given a price ( in writing ). The morning of the procedure I was asked to pay {$420.00} more than I was told. Under duress, I paid, but told them I disputed the difference and they told me to contact my doctor 's office, who had given me the pricing. I contacted them after the XXXX and they said I needed to speak with the XXXX  center, who sent me back to my doctor. I disputed the amount of {$420.00} with my credit card company because I was told the procedure pricing well in advance and it's not my fault they were wrong. I've spoken with the person who gave me the original quote in writing and they said they've contacted the XXXX  center to remove this debt but that was months ago, and the debt is now on my credit report.
Product: Debt collection

So I gave up after challenging this collection debt attempt through the credit agencies last year. The debt started as a court ordered debt and quickly went into collections after being late on the first payment. It got sold to credit bureau associates right away and now there is an extra debt on my record not related to the first debt. So I show two collection debts from this company regarding the first debt. I know this because they came on the credit report the same day. It continues to grow every month so the debt appears new every month though it is now three years old. I would need the extra debt removed. The XXXX is the extra debt. The XXXX is the wrong amount too of what I really owe. I have not received anything in writing but that it was correct from the credit bureaus. No backup documentation was sent to me. I believe this is false and for the damage it has caused me from preventing me to get credit, I would want the whole debt forgiven. This has taken so much time away from life I ca n't get back. Can I collect for that from CB Associates?
Product: Debt collection

This debt was discharged in my bankruptcy. I wrote to the collection agency. They responded saying that they would remove this derogatory mark within 30 days. This was at least 5 months ago.
Product: Vehicle loan or lease

My XXXX Honda XXXX was illegally repossessed by Honda Financial Services in XX/XX/XXXX. The bank NEVER notified me of the repossession order. The vehicle was given back to the bank. A week later it was auctioned for {$7400.00}. The bank refused to put me in a new vehicle and keep charging me a termination fee of $ XXXX was defrauded out of {$9000.00} from a prior trade in before buying the XXXX Honda XXXX which I should of been reimbursed. Results of this repossession was I lost my job and business wages.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 Ive been disputing with Equifax, XXXX and XXXX via credit repair services! But to no avail nothing never has happened to my satisfaction!
Product: Credit card or prepaid card

we paid off the account in full and they didn't close it. we were never notified it was still open and after just now checking the account they have an invalid address so we were never told it was open with a opened balance. we have zero issues in paying what is owed, however its not ok to backdoor a customer who thought they paid off and closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy A-Discharged CH-XXXX XX/XX/XXXX I have disputed this several times. XXXX XXXX deleted this permanently. This needs to be taken off my report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Have them to send me the original contract with my signature agreeing to do business with them. They will not find it. Have them to remove it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity. Back in 2011 someone got a hold of my wallet at local bar for the last 9 years I have had bank accounts, credit cards, etc in my name that I did not agree with nor known anything about
Product: Debt collection

I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts are incorrect, and it's causing me discomfort
Product: Vehicle loan or lease

I, XXXX XXXX XXXX Trustee of the XXXX XXXX XXXX XXXX is giving USAA a warning an intent to sue in federal jurisdiction to the fullest extent. I have offered arbitration and USAA has chosen acquiescence therefore as a flesh and blood living soul I am now invoking my rights and ready to come forth with the fraud and deceit USAA has committed. I will give XXXX hrs before I contact the process server XXXX XXXX ( XXXX XXXX XXXX
Product: Credit card or prepaid card

I called Capitol One 2 times previously about this same issue. It appears that Capitol One is trying to draft payments from a frozen Capitol One " Free Checking Account, which is no longer active ''. The account it is not the bank account listed for credit card payments. Apparently I do not have a choice of bank accounts used to make payments automatically debited for credit card payments. I do not expect to see {$35.00} charges for an issue which remains the subject of my stress. I do not want my credit affected by an ongoing issue with Capitol One. I received another email telling me that my payment was unsuccessful. I then go to my bank account and to my surprise no payment was taken. I go into the Capitol One Dashboard and just as I suspected, " even after 2 calls to customer service '', the issue has not been resolved. I want Capitol One to remove the inactive checking account ( and saving accounts ), return the {$35.00} fee, and utilize the correct bank account for all upcoming payments. Upon checking the XXXX XXXX  account is clearly listed on the account as the payment account. I did not elect Capitol One Checking as the payment account and if I didn't know better, I would suspect Capitol One is trying to fee gouge.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 card

At XXXX XXXX, XXXX, I opened a credit card account with Synchrony Bank, as they had the two years interest free promotion. 
I thought the due day was XXXX, I scheduled the payment every month at XXXX. 
At XXXX, XXXX, I checked my online balance and found out that I was charged late fee and interest almost every month. 
At XXXX XXXX, XXXX, I called the company, complained that why they gave me a wrong due date in the beginning and why they did not notice me the late fee for almost 2 years. but they denied any wrong doing. 
Two year interest free promotion is just a hook, they tricked you with wrong due date and secretly charged you late fee and interest. I had never received any bank statement for two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft. 
Icontacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 


Please remove the following unauthorized hard inquiries from my Equifax credit report : XXXX. XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

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


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


I demand the late payment reported in 60 days to be removed. 


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


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


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


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

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

Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX