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

My account with 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 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
Product: Credit card

My Apple card was blocked in XX/XX/. And this also caused my Apple Savings account restricted. It has been almost three months. I have been calling customer support multiple times and asking to get the restriction removed. However, they couldn't even tell me why my account was restricted and when it would be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion claimed that I was signed up for a credit reporting service. It was not clear in their contract language that I was actually signing up for a monthly service. I thought I was just getting a one-time credit report from them. When checking my credit card report this month, I noticed that Transunion had been charging me XXXX a month XXXX XXXX after tax ) for a monthly credit report since XX/XX/XXXX. I called them on XX/XX/XXXX to cancel the service immediately. 

Transunion agreed to give me a partial refund of 5 months XXXX XXXX - XXXX XXXX and cancel my account. I wanted a full refund, but they refused to give this. Initially they were only offering a three month refund, but made an exception because I asked to speak to a manager. However, since I paid for 8 months of this service unknowingly, I was not satisfied with 5 months of refunds. 

I never used the service that was associated with transunion and the basis of this complaint is that it was not transparent that I was signing up for a monthly service. Also, I received no direct written or electronic communication with transunion after the trial period began. This was obviously effective in keeping me unaware of the fact that I was being charged a subscription fee.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear NAVY FCU, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state laws pertaining to identity theft and consumer protection. 

It has unequivocally come to my attention that NAVY FCU has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides protection against identity theft and unauthorized use of personal information, including the misuse of credit reporting data. Missouris Identity Theft Law ( RSMo 570.223 ) criminalizes the unauthorized use of personal identifying information, and failure to comply with such protections may also be considered a violation of the Missouri Merchandising Practices Act ( RSMo 407 ), which addresses unfair and deceptive business practices. 

I assert with unwavering certainty that I have not provided consent for NAVY FCU to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for both federal and state laws. 

I demand that NAVY FCU immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouris Identity Theft Law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouris statutes on identity theft and consumer fraud. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that NAVY FCU will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian XXXX XXXX  XXXX XXXX, TX XXXX, I am writing to inform you of some changes to my personal information that are pertinent to my credit account with your institution. I need it changed because I fear I am susceptible to Identity Theft Please update my records accordingly with the following information : 1. Name : XXXX XXXX XXXX 2. Address : XXXX XXXX XXXX XXXX, CA XXXX 3. Contact Number : ( XXXX ) XXXX 4. Email Address : XXXX REMOVE ANYTHING THAT DOES NOT MATCH THIS INFORMATION These changes are necessary due to [ provide a brief explanation for the changes, such as a legal name change or relocation ]. I kindly request that you update my personal information in your system as soon as possible to ensure the accuracy of my credit account. 

Additionally, please ensure that all future correspondences and statements are sent to my new address and that my contact information is updated across all relevant departments within your organization. 

I understand that providing accurate and up-to-date information is crucial for maintaining a healthy credit profile and avoiding any potential discrepancies. If there are any forms or documents that need to be completed to facilitate this change, please send them to me at the new address mentioned above, or inform me of any necessary steps to complete the process. 

Thank you for your prompt attention to this matter. If you have any questions or require further clarification, please do not hesitate to contact me at the provided contact number or email address. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX I paid the first fee of XXXX, it's suppost to be charged every 4 weeks so I couldn't pay the first fee until XX/XX/year>, I paid that and on XX/XX/XXXX they initiated another fee of XXXX from my providers debit card/ routing and account number. I am getting ssXXXX I am XXXX and get paid once a month, they refused to change the due dat to the XXXX of the month, I requested they close my account and refund both fees and they refused to do so they also don't have an option for me to remove my back account that I paid these fees on thier app. I want all my money back and my baning info deleted from thir files
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Stall Letter from Equifax and Potential FCRA Violations Dear CFPB Team, I am writing to bring to your attention a matter concerning Equifax, XXXX of the major credit reporting agencies. On XX/XX/year>, I received a stall letter from Equifax, which indicates that they are stalling on my credit dispute. I believe it may indicate a violation of the Fair Credit Reporting Act ( FCRA ). 


Additionally, I am attaching a copy of my credit report from XXXX for your review. I believe these documents will help illustrate the violations I am referencing in this complaint. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure compliance with the FCRA. 

Thank you for your attention to this important matter. If you need any further information or documentation, please feel free to contact me at the provided email address or phone number. 

Sincerely,
Product: Money transfer, virtual currency, or money service

Someone hacked the phone of a good friend of mine and I didn't know that was possible and I was scammed. I Totally trust in my friend and the guy behind this hacking asked me if I can transfer {$980.00} to an account. he was not able to transfer money himself because he said he could not transfer because he already transfer the daily limit. He said he would return the money later the same day so I decided to help him because I trust him. I transferred the money to the account that he told me ( XXXX account ) and after that he asked for more money ( {$1700.00} ) to transfer to another account and I said that was too much money and just can help him with XXXX more but I started to suspect that someone took his phone to scammed me. I called him after that and he answer and it was a guy who was not my friend because I recognize his voice so I didn't transfer the other part. I hang the phone and immediately call the bank ( Bank of America ) to cancel the transaction but they told me that is not possible but they will make the claim but they don't assure me the money return. I attached the proof of the conversations in XXXX, the call I made when I suspected that I was not my friend asking for the transfer and also the proof of the change of phone number that my friend had to do because of the hacking. The conversations are in XXXX so I hope is not a problem for you. I really hope you guys can help me in this matter. 

Thank you in advance
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 6, 2, which affirms my right to privacy. Furthermore, under 15 USC 1666b, a creditor is not permitted to report a payment as late on an open-end consumer credit plan for any purpose without my written instructions The account late payments in question are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, establishes the importance of consumer reporting agencies like XXXX, XXXX, and XXXX conducting their substantial responsibilities with fairness, impartiality, and respect for consumer privacy. Under 15 USC 6801, it is mandated that financial institutions maintain an ongoing duty to honor customer privacy and secure sensitive personal information. As such, DISCOVER BANK, categorized as a financial institution, is bound by these provisions. Specifically, 15 USC 1681 section 604 allows consumer reports to be furnished solely with the consumer 's written permission. 
However, I have not provided DISCOVER BANK or the mentioned consumer reporting agencies with my consent, in any form, to share my information. Furthermore, under 15 USC 6802, a financial institution is prohibited from disclosing personal information to unrelated third parties without informing the consumer of their right to prevent such disclosure. I was not made aware of this right by DISCOVER BANK.

Moreover, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including certain negative information older than seven years in their reports. Any reporting of such outdated adverse information by these agencies without my consent is a violation of the FCRA. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the dissemination of information by any entity if there is knowledge or reasonable belief that the information is incorrect.

Consumer reporting agencies are required by 15 U.S. Code 1681e to establish adequate procedures to prevent violations of section 1681c and ensure that consumer reports are only used for authorized purposes. Failure to maintain these procedures by XXXX, XXXX and XXXX would be non-compliant with the FCRA. Lastly, as per 12 CFR 1016.7, I am entitled to opt out of such reporting services at any time, which I am hereby exercising.
Product: Bank account or service

Bank of America closed my account in XX/XX/2014 ( I think ) and placed a suspected fraud/ theft on my name in XXXX making it hard to obtain a bank account with any other banks. I reached out to them on several occasions to have this resolved or investigated and have n't heard anything bank. I spoke with a branch manger on several different occasions and she has called the fraud department and all they tell her is that it is being investigated. They sent me my transaction history showing the money in my account and then coming out but I questioned the check that was deposited, how was it deposited, who deposited the check, how was it cashed, when and by whom. Nobody could tell me anything. I reached out to the company that they say furnished the check to verify that I have no type of business dealings with them or accounts. This company stated that they have nothing to do with myself and they do n't know anything of this check. Bank of America has be so called investigating this far to long. I 've even sent them my police report that I obtained back in XX/XX/XXXX for Identity theft after I found out that someone else had accounts in my name that I found out about after pulling my credit reports. They still have yet to reach back out to me or respond in any kind of way.
Product: Credit card

I applied for a Chase XXXX XXXX credit card and was turned down because of having XXXX new credit accounts open within the last 24 months. However, I have a credit score of over XXXX, make $ XXXX and many of the cards counting against me have {$0.00} balances and are from small retail stores ( like XXXX XXXX , XXXX XXXX , etc. ). There was no reason to be denied and applying for the card resulted in a credit pull which had a negative effect on my credit. Chase did not clearly advertise that having XXXX credit lines would result in a denial which I find is misleading and fraudulent. Two of the cards they are counting against me have been closed ( XXXX XXXX XXXX XXXX XXXX ) one of the other " cards '' is my ATM card!
Product: Debt collection

I GOT A LETTER FROM XXXX XXXX XXXX DATED XXXX XXXX TO COLLECT A DEBT OF {$1200.00}. SOME ONE WROTE A FALSE CHECK TO XXXX XXXX ON XX/XX/XXXX IN XXXX  TX XXXX. THEN I GOT LETTER FROM IRS EMPLOYMENT RELATED IDENTITY THEFT NOTICE. NOTICE DATE : XXXX XXXXI CALLED THE DEBT COLLECTION COMPANY TO TELL THEM ABOUT MY INDENITY THEFT. I RECEIVED ANOTHER LETTER FROM XXXX XXXX XXXX DATED XXXX XXXX IN THE LETTER THEY NEED SOME DOCUMENTS, I ALREADY SUBMITTED TO THEM INCLUDINDG POLICE REPORT, FTC IDENTITY THEFT REPORT AFFIDAVIT. IN YEAR XXXX I GOT ANOTHER LETTER DATED XX/XX/XXXX FROM XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX LETTER TO COLLECT THE SAME DEBT XXXX {$1200.00}. I CALLED THEM ON XXXX NO LADY WHO ANSWERED THE PHONE.I GAVE MY A/C NO, SHE SAID I DO NOT HAVE ANY INFORMATION ABOUT THE CASE. NOW I RECEIVED ANOTHER LETTER FROM TRANSWORLD SYSTEMS INC. DATED XXXX XXXX. TO COLLECT THE DEBT. THEY ARE CALLING ME EVERY DAY ON MY CELLPHONE. THIS IS NOT MY DEBT.
Product: Mortgage

My wife and I received a letter from XXXX XXXX XXXX of Global Home Finance stating that he could finance us a house with a 3.990 % on a 30 yr. fix rate so I called him at # XXXX ext XXXX .I told him that I needed a realtor, so he put me in touch with XXXX XXXX XXXX. # XXXX to help us find a House, I told him that I was a Veteran and that I wanted to use my VA loan 100 % financing and he said that I could and I got with XXXX and she found us a house at XXXX tx XXXX told us that we had to have {$1500.00} earnest money and I said that I thought this was 100 % financing, she said that they was just going to hold the money until we close on the house and then I will get it back, so I wrote her a XXXX check to the Title company as earnest money, then she said that I had to pay {$350.00} for inspection fee, I paid that. Then XXXX told me that I had to pay {$570.00} for appraisal fee I paid it off of my Credit Union card, as time went my truck broke down on me and I had to get a little car to drive to and from work and I called XXXX and ask him was that going to hinder me from getting the house, he said no and that they could work around it, so I stated ok lets go on then, then they said that the owner had to repair some things on the house and that we was going to close on XX/XX/XXXX and problems started to occur, and the owner was requested to repair more on the house and the week we was suppose to close on the house, my wife and I starting packing because they said that we had the house. Then XXXX stated that he was going on vacation and that his team members can help me close on the house and that everything look good ..then XXXX XXXX XXXX. spoke with me after they had me to sign the Documents and said that everything was good and that we could close on the XX/XX/XXXX then the day before closing he called back and stated that I could not close because I had to pay the car off at XXXX ... and I stated that you guys told me that everything was good and he said that he could not finance me at 3.990 % but that he had to go up 4.125 % or something then he debited my Credit card without my authorization for {$200.00} I called the Credit Union and they said that Global Finance credited my card I told them that I did not consent to that ... and the man said that he would block the card so that they could not credit it again ... Then I asked XXXX if I could get my earnest money or all of my money back and she stated no they are not going to give your money back ... and I told her that it was not my fault and they agreed to that, then she stop talking to me and I called XXXX to confront him again about the situation and he hung the phone up in my face because I asked him who told him to credit my card..so I want to know if I can get some of my money back .... 
Kindest regards, XXXX phone # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documentation sent to both XXXX XXXX XXXX Wells Fargo. 

Per FCRA accounts must be reporting to all bureaus with the exact same information. I notified both companies in XXXX that the account was reporting to all bureaus. 

Lastly, the account is listed as a charge off meaning THERE IN VIOLATION OF 15 USC 1681 E ( B ) since theyve yet to supply a 1099-C form that has been requested previously
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed reinsertion letters to XXXX, XXXX & Transunion because some items that were removed had been placed back on my credit report showing derogatory marks and hindering my financial future please see attached letters & certified mailing receipts to XXXX, XXXX & Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit I have requested that they provide the purchase agreement to show full ownership of such account that it belongs to me.
Product: Credit reporting or other personal consumer reports

This credit card was closed in XX/XX/XXXX due directly to medical complications of XXXX XXXX and being injured in the line of duty as a XXXX XXXX XXXX, now on social security XXXX and XXXX XXXX XXXX. This has drastically changed my yearly income, preventing me from paying my creditors on a timely manner. Ive closed three other credit card accounts and was able to be I rolled in a customer assistance program, lowering my monthly payment to something I can pay in order to eventually pay off my account without claiming bankruptcy. This company has agreed to accept {$40.00} payments from XX/XX/XXXX to XX/XX/XXXX. In XXXX, XXXX, XXXX XXXX XXXX XXXX  agreed to place me in a customer assistance program of paying {$40.00} a month on auto pay on certain dates we agreed to. They are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. After such, some kind of long term plan would be made. Meanwhile, this monthly payment plan, case # XXXX created by the XXXX XXXX XXXX XXXX  representative, was approved. In XX/XX/XXXX, I noticed my account was paid the {$40.00} but I also noticed that my account was being charged a {$30.00} late fee as well as {$110.00} in interest. I called the customer service in XX/XX/XXXX after seeing this and explained my concern. The representative apologized and removed the {$30.00} late fee and stated she would write down my other concerns of {$110.00} in interest being applied as well. In XX/XX/XXXX the account was paid {$40.00} on autopay but again, my account was also assessed a {$41.00} late fee and the additional {$110.00} in interest as well. I did call and filled a complaint as well as writing three ( 3 ) separate internal messages on my account app to the customer service department. I was told during my last phone call with a representative, that she wrote down the issue and after speaking with a supervisor, someone would call me back within 24 hrs. They never did. On XX/XX/XXXX I received a notice on my credit report that now this creditor, XXXX XXXX XXXX is reporting my account as 30 days late. This lowered my fico score by XXXX points. This was outrageous and shameful and should not have been reported wrongly. As this account was in a customer assistance program of {$40.00} per month with the case # I have provided as proof. Now suddenly, Im being marked by false credit reporting of being 30 days late on this account, still being wrongly charged a late fee and still being charged {$110.00} in interest in this customer assistance program. This Creditor, XXXX XXXX XXXX bank is falsely reporting late payment activity, and unethically charging my account late fees and interest while this account was always current and was placed in a customer assistance program to help me till XX/XX/XXXX. This case # proved is authorized till XX/XX/XXXX with automatic payments of {$40.00} a month as agreement between me and this creditor. This is outrageous behavior and incredibly unethical conduct of a bank.