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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Student loan

I have talked with XXXX XXXX  for 3 months in regards to my payment plan selection and forbraence. One XX/XX/XXXX I made a {$5.00} payment to start processing my loan repayment I was to have my forbearance until XX/XX/XXXX.Today XX/XX/XXXX I received a text saying I was delinquent.1. My payment plan has not been processed. I have not received notification of that ( XX/XX/XXXX has stated that they did not send it to my paperless inbox but via mail- I opted to the paperless inbox ). 2. My forbearance was supposed to be until XX/XX/XXXX (XX/XX/XXXX stated they dont know why the forbarence lapsed for 10 days- they claim they were they were going to correct that ) I called multiple times about the bill I received on the XXXX, but every person I spoke with said that bill was created to begin processing my payment plan request. By using deduction 1. My payment plan request was supposed to automatically put my payment in forbarence 2. The lapse in 10 days was never noted to me.3. No one can tell me what happened. I want answers and I was given none. 4. I dont want my credit impacted by their error.

I pay all of my bills on time and I trust, the American people trusted XXXX XXXX XXXX to ensure that payments and request are processed in decency and order.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that the Credit reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB complaint to help establish a legal recourse. My information has been exposed in the Equifax data breach. The following account, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please have the following items removed as soon as possible : 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  Original Creditor XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$410.00}
Product: Credit reporting or other personal consumer reports

My account with 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 2 MONTHS 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  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: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/year> Re Acct # ( XXXX ) This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting 'validation '', that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, If you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please Note : This notice is an attempt to correct your records, and any information recelved from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX****. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, TransUnion ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TransUnion are not an affiliate of XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax via phone at their XXXX equifax number and a representative told me that these accounts were already removed from my consumer file, but when I ran my credit report on XXXX XXXX XXXX to see what was investigated removed nothing was done i just got a lot of fluff from them. 
these XXXX accounts are reporting inaccurate cause there are Fraudulent accounts. account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I purchased an apartment 7 years ago and I got a ballon mortgage. My mortgage was for {$180000.00} USD. Now I want to refinance my mortgage and the bank told me that I can not do that because now my apartment cost a lot less that when I bought it. I called the bank to request a mortgage modification, and they told me that the modification will affect my credit because, even though the account is up to date, that arrangement was not accorded when I first took the mortgage. What are my options? Is that even legal?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX : # 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
Product: Mortgage

In XXXX, I went to an event to help get a loan modification from ASC/Wells Fargo XXXX The loan counselor stated my chances for a modification looked excellent since I was actually getting paid more money and had a more stable job. The modification failed and she wasn't sure why. This resulted in me going into foreclosure and I had to do a short sale. I just received a check from Wells Fargo for {XXXX} however, since my lack of modification with out any reason why resulted in a foreclosure/short sale I have seen information that others with this result have gotten paid out over $ XXXX. I wanted to inquire as to what the {$200.00} is for. The statement with the check only states that when the loan was being considered for loan assistance options, there may have been an error. It doesn't actually say what the payout was for. I believe my payout should have been more than {$200.00} since it resulted in foreclosure, selling my home and finding a place to rent. My salary has only increased since applying for a modification which I would have been able to pay the mortgage, have a better credit standing and selling my home if I so desired at a much higher value. By proceeding the only way to cover less loses, I suffered financially and emotionally.
Product: Debt collection

I received a notice through my  XXXX  that I had a new account being reported, a collections account. Whereas I have never received any communication from this debt collector in writing on phone call that I owed this debt, it went straight to being reported on my credit report and I was not given the right to dispute this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX First Progress Card XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Re : Acct # XXXX To Whom It May Concern : First Progress Card is destroying my credit on a secured card and reporting incorrectly after several letters to correct their error thereby causing me credit denials. 

I have never owed First Progress Card any amount of money, I started with a secured card and called them to cancel within few months which they agreed. 

Upon further investigation, I have retained new copies of my credit reports and noticed that First Progress Card did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I took a secured card from your company with an amount of {$200.00} which I paid. I later called to let your company know I am no longer interested and as such, I requested my balance back which is {$110.00}. Yet your company refused to refund my money and put a charged off amount on my account by claiming I owe {$84.00} which I never did and has such destroyed my credit making it impossible for me to secure credits. Your reporting has been inaccurate and this will be my last registered letter before I file a small claim lawsuit if this issue is not resolved. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being ignored regarding fraudulent applications done in my name without my knowledge and consent. I am unable to get approved for a much needed credit card because of this.
Product: Debt collection

Hello I need your help on a collection accounts that is showing on my credit report. 
By law I read the collection agency couldnt charge you interest after they both the debt for a penni. 
Another note, why this collectors all alleged that I owe them money, I had never made any business with these company I did not gave them permission to have access to my personalL information. I dont even know who this peoples are. Anybody clido mail a letter that they owes money to XX. Company. 
But how they proof that. I have no business these companies.. 
If they are adding interest on this accounts why I never received a letter or statement advising me about new charges. And they failed to validate this account they didn't even want to tell me if midland funding and XXXX XXXX XXXX XXXX XXXX Attach are the screenshots.
Product: Credit card

XXXX XXXX - XXXX XXXX no support from Bank of America credit card. 

My return was not possibly although the company, the owner and sales rep said they would take it back. The problems, the items do not match the contract. When calling they say they will arrange pick up. Then they would update the policy on their site. See below : I paid to have each item assembled and the trash taken away. {$2600.00} in assembly alone. Their assemblers ran into my garage door causing an additional {$1800.00} in damage. I can not return a marble dining table at my expense that they assembled. There is no way to determine the product is incorrect without assembly. There is now way to determine a table is matte not gloss without assembly. There is no way to see the product is poly urethane not leather without assembly. The owners are complete fraud. They even added pictures of my custom made product to their site and had multiple ratings of XXXX out of XXXX when I hadnt even received the XXXX of a kind product. XXXX would not return calls and make promises they never followed up on. I spent XXXX on polyurethane not leather, received incorrect product and bank of America, my bank for 22 years offered no support for the fraud.
Product: Checking or savings account

I do not remember the date but Chase Bank Blacklisted me over {$70.00} and I have been deemed high risk ever since. Let me rephrase that the know it all agent I was arguing with ILLEGALLY Blacklisted me and deemed me so called high risk when I'm not. Now I can't open up a bank account, obviously can't get credit nothing. Chase Bank ruined my life and they need to be held accountable.
Product: Money transfer, virtual currency, or money service

you and your account.

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written permission.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector. or the express permission of the court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX XXXXXXXX, has violated my rights. They have not provided me with the original contract from XXXX that shows proof I have an account or contract for this debt. This account is a charge off asking for paid debt to be repaid. I did not validate this account to be on my credit report. 
15USC 1681-602A states I have the right to privacy. 15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be. deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not included This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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