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

Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Got loans from XXXX back in XX/XX/XXXX. When I was a senior in college I applied for autopay on what I believed were my XXXX loans. Post college I got accepted in the federal loan forgiveness program for my federal loans. I called XXXX to make sure my other private loans were being paid and they were. However recently 3 private loans from got sent to XXXX by Navient. I was never made aware of these loans not getting paid as I was told by XXXX that I was covered. When I called Navient the told me they split, with XXXX and took some of my loans. I was never given a chance to pay anything on these loans before they went to collections.
Product: Debt collection

I do not owe anything to this collection company XXXX GC Services XXXX ). I do not owe {$65.00} to XXXX  XXXX XXXX. I have dispused this illegal debt several times to GC Services XXXX Partnership and once I dispute this debt again, the debt collector must stop all debt collection activities until they provide me with proof that I owe the debt, which I do not since it is fraudulent. GC Services must provide me with that proof and never bother me again. Under the FDCPA, I have the right to dispute the debt and it has XXXX separate components : XXXX to notice of the debt XXXX Right to contest the debt XXXX to verify the debt Within XXXX  DAYS of first contacting the Consumer Financial Protection Bureau. GC Services must send a letter telling me : the amount of the debt the name of the creditor information about what I can do if I think there has been a mistake and proof, I actually owe the money. I can prove it is identity theft. The debt collector must stop all debt collection activities until it can verify the debt. Additionally, I have my original identity theft affidavit. I do not have a contractual relationship with XXXX XXXX XXXX. Unfamiliarity with the Company : This is the third time this company has reached out to me. Inappropriate Reporting : Fair Credit Reporting Act. This indicates potential issues with their reporting practices. Claims of Identity Theft : This points to potential issues with verifying the identity of the individuals associated and it is not me. Unsatisfactory Product/Service : All of these complaints fall under the complaint type, " Problems with Product/Service '', which indicates a more general issue with the way manages its debt collection process or communicates with its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking you to remove these unknown accounts from my report, I am additional proof that I didn't open these accounts. I was told by a legal expert that they may be caused by the XXXX XXXX breach, so please remove them already.
Product: Vehicle loan or lease

I recently got an auto loan with Wells Fargo for a used car. When I went to make the first payment, long before the first due date, it advanced my due date by 2 months and charged the interested they would have earned during that time ( which has not yet elapsed ). Their website states payments will be applied as forwarding your payment due date until you are 3 months ahead. Once you are 3 months ahead, any additional payments will then be applied to principal only. I am still prior to my first due date, but I have now paid over 3 months of interest, the vast majority of which is unearned. The contract ( Finance section 1 ( b ) ) states any over payments will be applied to EARNED interest, and then will be applied entirely to principal. In addition to being a breach of contract, I believe this is a violation of prepayment penalties in Arizona. I am coming to you first because, regardless of how I personally resolve this with Wells Fargo, I believe they are continuing at least some of the behaviors that led to your prior settlements with them. I have included a copy of the contract, a screenshot of how my personal payments were applied, and a screenshot of the Wells Fargo policy on the website on how payments will be applied.
Product: Credit card

Since 1 year ago I have been trying to close the account TJX Rewards Account Number { XXXX } Because I no longer use this account. 
The problem is that they are charging me to my XXXX debit card number { XXXX } a continuous monthly amount between {$66.00} and {$69.00} dollars without any debt. 
I already contacted XXXX bank to stop the recurring transaction by Synchrony Bank WEB ID { XXXX } but they can not do it because it is an ACH debit ( electronic payment made from one bank ). 
Then when I asked TJ Maxx to cancel the card, they argument they can not because there is an amount in favor. 
I dont know why they are referring an ACH debit but as a fact I need to cancel the recurring charge and Cancel the TJ Maxx card.
Product: Checking or savings account

Chase bank transfer funds from my account to an unknown XXXX  XXXX account. The amount is in excess of XXXX XXXX. After contacting Chase bank they instructed me to fill up many forms. This did not stop the transfers, so I personally went to the branch and after visit, calls, forms they stop XXXX  XXXX from taking any more money. 

After 3 months I am still waiting for Chase Bank to refund the money taken from my account without my authorization.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

XXXXXXXX XXXX  Account # XXXX, XXXX XXXXXXXX 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 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.

15 U.S.C 1666B : A creditor may not treat a 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

My name is XXXX XXXX and this is not a third party filing this complaint. I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : XXXX, TransUnion, and XXXX. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.
Product: Debt collection

XXXX was listed as a creditor on my credit report and XXXX sold the account to XXXX XXXX. I disputed XXXX XXXX and in less than 30 days this account was picked up by Source Receivables Management. <P/>XXXX contacted XXXX and XXXX on my behalf and removed the account from my report. <P/>I DO NOT believe that XXXX had adequate time to resell this account to Source Receivables who claim that they received this account from XXXX. <P/>I am requesting that the new creditor submit to me validation to prove that XXXX has sold the account and they have not received this account through XXXX XXXX or XXXX. <P/>I request names and address of all to whom they contacted as well as date and time. <P/>I will be following up on this correspondence directly. <P/>The certified RR letter with tracking number was sent on XX/XX/2017 XXXX
Product: Debt collection

This company contacted me about a debt they said they bought I requested verification they said they are going to mark as disputed and request the creditor send me the info I found out yesterday they reported to my credit file in direct violation of my consumer rights
Product: Credit reporting or other personal consumer reports

XXXX XXXX account. I never had or opened. 
Also an XXXX account. Below I spoke with XXXX XXXX on the phone a few different times. The resolution was the account was an error to be removed from my credit report. However, its still not. 
XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance {$1000.00} Terms 1 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX  XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1300.00} Highest balance {$1400.00} Terms - On record until XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SUBMITTED APPLICATION FOR AUTO LOAN OR LEASE WITH THESE 3 COMPANYS WITHOUT MY WRITTEN CONSENT CAUSING 3 HARD INQUIRYS TO BE ADDED TO MY PERSONAL TRANSUNION CREDIT REPORT. XXXX XXXX XXXX  ( FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX   XXXX XXXX XXXX XXXX  ( FINANCE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX,MI 
XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,WI XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of a collection account from my credit report, which reflects an outstanding balance of {$3000.00} associated with a previous rental property. 
I understand that this account may have been reported in error or that there may have been circumstances that warrant reconsideration.

I believe this entry does not accurately represent my creditworthiness and is negatively impacting my financial situation. 
As a valued customer, I would greatly appreciate your cooperation in resolving this matter. 
I kindly ask that you investigate the circumstances surrounding this account, and if appropriate, take the necessary steps to remove it from my credit report. 
I am committed to resolving any outstanding debts and maintaining a positive credit history. 
I would be grateful for your prompt attention to this matter and request a written confirmation of the removal once it has been processed. 
Thank you for your understanding and cooperation. 
I look forward to your swift response.
Product: Debt collection

I have this debt in collections for a XXXX XXXXXXXX account that I never opened up. I was onlyXXXX  at the tile this account was opened and I never lived in the address that was associated with the XXXX XXXXXXXX account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX AND 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 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 AND 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 reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 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. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Checking or savings account

My name is XXXX XXXX XXXX XXXX, I was the victim of an indirect fraud via XXXX on Bank Of America To my Bank Of America account. I sold some Bitcoin on XXXX  the user paid me with the account that was hacked, I received the payment and I did Not check the account senders name against the name and the name on the XXXX account, so I release the Bitcoins. About 3 days later I got a blockage on my Bank Of America to account, only then I realized what happened. I explained to BOA in details what happened and also send them proof that I was also a victim on this scheme, and that It completely irrational that if it was about to commit such a fraud I would my legal account to damage my own banking reputation. Bank Of America has a really vague antifraud support infrastructure and they are quick to create an incomplete fraud report especially when they don't have any skin in the game. Not only I lost the Value in BTC but I also paid for the USD fund that was hacked to the other  individual. I'm looking to clear these false and unjust fraud claims out my record.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfillits legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed
Product: Money transfer, virtual currency, or money service

I made online purchases through XXXX XXXX XXXX, paid through PayPal. One of the items is defective and missing parts ( not as advertised by the seller ). It also contains serious security vulnerabilities which were flagged by XXXX ( see attached ). When I reached out to the seller letting them know of the defects and the security issues and missing parts, they asked that we wait for them to fix the defects, or to hire our own developer to fix them. Since I do not have the means to hire my own developer, I chose to wait. Three months later, the seller still has not fixed the issues, nor provided the missing part. So, I filed a refund, which they denied. I escalated the issue to XXXX XXXX support but was told they would not provide refunds for the defective item, to keep working with the seller. I then escalated this issue to PayPal and got an email today that my case was ineligible for PayPal purchase protection. I am now stuck with a purchased item that is defective, missing parts and has serious security vulnerabilities. Furthermore, XXXX XXXX locked my account immediately after I escalated the issue to Paypal ( see attached ). I am unable to access any of the products and services that I purchased or my billing records & statements. I really hope that PayPal will look into these complaints as I do not feel any consumers should have to settle with products that are defective, missing parts and/or not as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquries listed below are fraudulent and as a result of identity theft. I have filled an identity theft report regarding these credit inquiries that I personally never initiated or approved. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

I told pnc bank to file two chargebacks and to give me receipts, but they never sent me a written receipt of what they did for both chargebacks in their investigation. I was never shown in writing whether or not the merchant agreed to give me my money back or if visa was involved in issuing the funds back into my account.

I want two written receipts for both chargebacks. Here are the dates of the fraudulent transactions ( XX/XX/XXXX ) and chargeback dates ( XX/XX/XXXX ) + ( XX/XX/XXXX ). 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - Dispute Pending EFFECTIVE XXXX XX/XX/XXXX Final Dispute Credit EFFECTIVE XXXX
Product: Debt collection

My account with 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 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! 


Update the late payments from my consumer reports
Product: Debt collection

I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report. This inclusion violates the FDCPA and FCRA, and it is imperative that these accounts and information be promptly deleted and removed from my consumer report to comply with the relevant laws. I kindly request an immediate removal of these accounts and information.