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

I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX Credit Bureau are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below are the accounts with erroneous information and Id like remedied ASAP. 
XXXX XXXXOSLA XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, XXXX XXXXOSLA XXXX XXXX Opened : XX/XX/XXXX Balance : {$2900.00} XXXX XXXXOSLA XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

T

he credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate. the date last active is inaccurate, and the ldate last reported is inaccurate. this is grounds for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. states i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. also the credit bureaus took more than 30 days to investigate
Product: Checking or savings account

Hello, I did not make these charges. I thought it looked like my balance was low. I haven't bought anything so expensive. I didn't use hotels.com. I don't have fitness membership. I don't know XXXX XXXX. I have the card right now. I'm sorry I am taken aback by this. 

XX/XX/XXXX XXXX XXXX XXXX  Purchase - {$1000.00} XX/XX/XXXX XXXX XXXX LA XXXX - {$200.00} XX/XX/XXXX XXXX XXXX - {$1000.00} XX/XX/1924 XXXX XXXX XXXX  - {$110.00} I couldn't find anyway to contact them so I must complain like this.
Product: Debt collection

This is a complaint against Ability Recovery Services located in XXXX, PA. This company has continuously disregarded my consumer rights under the Fair Debt Collection Practices Act and has caused me much unwanted financial AND mental worry. For starters, they're reporting a wrong & unverifiable account on my credit report and not to mention an account in which I've requested for evidence of claim and which they were not able to furnish, per the FCRA & FDCPA. In spite of my endeavors to fix this unfortunate problem for quite a few months now ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), Ability Recovery has completely dismissed my communications and multiple requests to delete this mistaken information from my credit report. This company 's negligent conduct has caused lots of great harm, not only to my capacity to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me. I really appreciate your time and guidance in this matter and hope to hear from you very soon.
Product: Checking or savings account

Random fees would be added for no reason Charges for over over draft even if I didnt over draft and even tho I had over draft protection it never worked Issuers never got resolved when going in
Product: Vehicle loan or lease

XXXX XXXX, after a total loss leased vehicle, keeps all settlement monies even if the payoff amount is less than the settlement. There have been numerous claims that I have worked on that XXXX XXXX is the XXXX. They demand that the whole settlement amount from the insurance is theirs even though the payoff is less than the settlement. My clients are getting robbed by XXXX XXXX. The insurance companies side with them stating that it is in the contract. Just because it is in a contract that no one really reads, the fine print, doesn't mean it's lawful. Please investigate XXXX XXXX as it is really unfair for them to keep the equity that is owned to the people.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 8
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; I XXXX XXXX XXXX XXXX Affirm ; that my Given Birth Name is XXXX ; XXXX XXXX I was Born on XX/XX/year>, My Mailing Address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX Affirm ; That any other Person Identity Information that reflects Different than the above mentioned Affirmed Facts are inaccurate, I Demand all Inaccurate Person Information to be immediately updated to the accurate information. Included you will Discover XXXX XXXX XXXX XXXX ; Certified Birth Certificate which will Further Affirm my Giving Name, My Birthdate and Correct Age As this Inaccurate Information has damaged, & Violated XXXX XXXX XXXX XXXX ; Rights to Privacy, image, name, and likenesses, reputation and also physically and Emotionally since the report appeared ; In accordance with 15 U.S.C 1681 1. I have Presented Proof of address ; proof of Identity ; Certified Copies of my Birth Certificate ; a Copy of my Driver License & a copy of my Tax Return showing proof of my Social Security # ; Affirming my Giving Name, My Correct Birthdate and Correct Age & 2. Affidavit of Truth 3. I have presented proof of Inaccurate information thats on my consumer file In accordance with 15 U.S.C 1681 & the Fair Credit Reporting act Equifax has violated my federally protected consumer rights to privacy And Violated Multiple U.S. Codes ; 15 U.S.C 1681 ( a ) ( 4 ) - There is a Need to insure that Consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers rights to privacy 15 U.S. Code 1681 ( e ) ( a ) - Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 15 U.S. Code 1681 ( e ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Student loan

My loan was moved to Navient. I requested a deferment several times via email because I was homeless and without employment. I received emails that said all I needed to do to request a deferment was to reply to the email, which I did. I then found out they did not put my loans into deferment like they said and ended up referring them to collections. I still have these emails showing I made multiple requests and even asked them to provide a form if necessary via email. I received these loans at XXXX University, XXXX and XXXX.
Product: Credit reporting

Hello my name is XXXX XXXX XXXX XXXX I contact you because and my credit report show wrong information personal because I star building my credit whit my Number of identification Regulary is confused whit information my father name is XXXX XXXX XXXX the confused is because I 'm used regularly XXXX XXXX name whit see at confused used at XXXX the wrong is and the birthday show at my father date and something information for inquiry is some for my dad and show me information wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$3300.00} {$3300.00} This account does not belong to me, this is an error, I have never had a XXXX account. This was already removed on XXXX and XXXX
Product: Prepaid card

Bank of america owes me for XXXX claims still that were made over XXXX yrs ago. My end benefits were stolen and I want my claims payed to me. I'm a single mother of XXXX and need this money to pay my rent so I don't loose my home. I don't want to end up homeless. They need to reimburse me instead of denying my claims. They have a policy that says they will investigate each claim and if they can't resolve it in XXXX  days they will give customer provisional credit. It's been years and they have not provided me with that. These claims are the only ones left for them to pay me back for letting my benefits get stolen. I want my claims reimbursed to Me
Product: Debt collection

Subject : Cease and Desist Notice Unauthorized Access and Furnishing of My Consumer Report Under 15 U.S.C. 1681 To Whom It May Concern, This letter serves as a formal cease and desist demand regarding the unauthorized access and furnishing of my consumer report, which appears to be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Upon reviewing my credit report, I discovered that my personal and financial information has been accessed without my explicit written consent, particularly for insurance underwriting or other unauthorized purposes. Pursuant to 15 U.S.C. 1681b ( a ), a consumer reporting agency is only permitted to furnish a consumer report under specific circumstances, including when the consumer has provided written authorization. I have never given such written consent.

Furthermore, 15 U.S.C. 1681b ( f ) prohibits any entity from obtaining a consumer report without a permissible purpose. Any continued access to my consumer report without my express written permission constitutes a violation of my rights under federal law.

Therefore, I demand that you immediately : 1. Cease and desist from any further unauthorized access, use, or furnishing of my consumer report. 
2. Remove any inquiries or accounts that were obtained without my written authorization.

3. Provide me with the names and contact information of any entity that accessed my report without my consent.

4. Provide proof of my written authorization for any disputed inquiries or accounts. If no such authorization exists, the disputed entries must be removed immediately.

If you fail to comply with this cease and desist demand, I will have no choice but to pursue further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing civil litigation for FCRA violations.

I expect full compliance and a written response within 30 days, as required under 15 U.S.C. 1681i. This letter serves as formal notice, and failure to act accordingly may result in legal consequences. 

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

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I still haven't received any results.
Product: Credit card

Got this card from Synchrony Bank when I got an Air Conditioner unit for my house. Started to receive the paper statements for {$310.00} a month, which I was paying always on time, then a couple months ago, they sent me a notification that they were giving me the choice of having paper statement for {$1.00} or having my statement on my email and avoid the charge. I do not check my emails often and called them when my statement showed the {$1.00} charge. The Customer Service agent did not care much when I said that I was not going to pay such charge and ended the conversation. I submitted the {$310.00} for the payment for last month and to my surprise, my next statement came with a penalty of {$30.00} plus the XXXX. I have paid such charges but I consider this very unfair and would like them to credit those fees ( {$31.00} ) and continue to send me the paper statement on a monthly basis, so I can budget myself to pay on time, as usual, I never had any trouble with any financial institution and consider this an abuse from them!! 
XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XXXX of this year I began searching for a new homebuyer loan. My credit history was pulled and even though my credit was high enough the bank I was getting a loan from needed to see that I had sufficient payment history. I had two car loans with XXXX so was expecting that getting a loan wouldnt be an issue. What I found was that my good credit was reported for someone else under their social security number. The first attempt took two months before it was found that the request was sitting on someones desk being ignored. I was told at that point the issue was resolved. It wasnt! Once found the next step by XXXX was to call XXXX XXXX asking how we could move forward. I was then told that they were having issues getting a file created to send to TransUnion. Next, there was a file created and sent but rejected by TransUnion due to its date. When the file failed XXXX refused to submit another. My credit was reported using my fathers social security number and now I'm stuck with no credit and unable to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX. XXXX, INC # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCE  XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i filed a complaint about my hard inquires with transunion and its been over 30 days and these are all the inquires thats on my report : XXXX XXXX XXXX ( finance ) XXXX XXXX XXXX XXXX XXXX ( finance ) XXXX XXXX XXXX ( bank ) XXXX XXXX XXXX XXXX  ( finance ) XXXX XXXXXXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( finance ) XX/XX/XXXX And there has been no respond
Product: Credit card

this is a continuation of cfpb complaint XXXX. 

I am writing to say i intend to use every legal means available to me to get that money back and compensation for my time.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 
1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXXXXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report. 
3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 
Thank you, XXXX XXXX XXXX
Product: Vehicle loan or lease

I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit card or prepaid card

complaint # XXXX Attn XXXX : XXXX XXXX account numbers are XXXX and XXXX. I only have access to XXXX, that is where I would like my miles to go. Thank you Frontier Airlines somehow has XXXX member accounts under my name. I have tried 15 times to contact XXXX to resolve this and they keep sending me to a recorded line with no help. I have paid for XXXX 's discount XXXX plan more than once and need that resolved. I need my account with all of my miles and my payment history for the discount den plan. I've tried over and over to speak with someone from the credit card company and tried to call XXXX. Impossible.
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS USAA SVG BK XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from USAA SVG BK WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX : Found out that my personal information may have been impacted by the Equifax breach. 
XXXX/XXXX/XXXX : Have tried freezing my credit online multiple times with XXXX and Equifax, but the site keeps failing me. I then called each of them at least 5 times but the automated system keeps failing me as well. 
XXXX/XXXX/XXXX : Tried calling another 4 times again with both XXXX and Equifax and each time, the call would fail at the verification level. I can not get past the bot to talk to a human representative ( even with me calling multiple departments ( ex. fraud, freeze, etc ). I even tried getting a credit report for them, only for them to say that they can not provide me with this service at this time. 

I will be attempting to contact them again and worst case scenario, mail my documents over. All of this time and effort is going to only one objective : to freeze my credit due to their failure to secure my personal information.