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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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. 

DEPT OF EDUCATIONXXXX 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: Money transfer, virtual currency, or money service

I sent a wire on Thursday XX/XX/2017 of {$3000.00} to a compay Coinbase , Inc,  located at : XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, CA XXXX It states clearly on their website : " Bank wire transfers may be credited to your XXXX account on the same day if submitted by XXXX PT. Otherwise, funds will be available after one business day. '' Its a week later now and i havent received the money in my account. I called the comany there is always at least a 30 minute wait and they tell me they have an outage and they dont know when it will be fixed! Meanwhile my money is out of my account for a week already.
Product: Credit card

My Destiny Card payment was due on XX/XX/24. I logged in to access my account at Destinycard.com to make my payment on the due date at XXXX PM XXXX. Their system would not allow me to make the payment on the due date and instead forced me to schedule the payment for XX/XX/24 thus rendering my payment late and incurring a late payment fee. 

On XX/XX/24 at XXXX AM, I called their customer service phone number at XXXX. I spoke to a customer service agent who identified herself as XXXX. I explained the issue to her XXXX times. She told me that the payment was late because it was made at XXXX PM XXXX time. I explained to her that I live in the Hawaii XXXX XXXX XXXX and that I attempted to make the payment on time. After XXXX hour and XXXX minutes on the phone, they refused to resolve the issue. I asked XXXX XXXX time to allow me to speak to a XXXX, after which she finally told me that her XXXX XXXX would call me back, but he never did. 

My concern is that they are charging customers late fees for payments submitted on time in the customer 's time zone, thus fraudulently forcing late fees and added revenue for their company. 

I checked their billing statements and their website, and I could not find any disclosure stating that payments made after a certain time in the XXXX XXXX XXXX would be recorded as late or that those payments would incur a late fee. 

I looked up the company XXXX XXXX XXXX XXXX XXXX on the Better Business Bureau 's website and there have been XXXX complaints against this company in the past XXXX years. This company should be held this company accountable for unfair, misleading and fraudulent business practices.
Product: Credit reporting or other personal consumer reports

After checking my credit report I see that XXXX XXXX opened on XX/XX/year> is still being reported fraudulently without my consent.Someone must have used my information to open up the account and communicate with the company but it was not me. No product good service or money was ever received from this supposed transaction. Please note the email, address and phone number on file does not correspond with my actual email, address and phone number which is XXXX Phone number XXXX identity has been stolen and used due to identity theft data breaches and lost/stolen ID.
Product: Debt collection

I've receiving calls and mail from a debt from XX/XX/2013 from a company that I don't know. Asking for bank account to collect amount or partial payment over the phone. stating that my information was sold to them and they are entitled to collect money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
15 USC 1681I ( B ) I AM REQUESTING THE DESCRIPTION OF PROCEDURE.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I opened the account on XX/XX/2012 the balance owed shows {$1700.00}. I haven't spoken to or received any letters or emails from this company. They stated I verified my identity, but I haven't spoken to anybody.
Product: Credit card or prepaid card

It appears a new account in my credit report and i did not opened it
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a consumer complaint against online payment processor, Klarna, for not properly acknowledging or hearing my dispute resolution case regarding my transaction with XXXX XXXX, on XX/XX/year>. 

Please see attachment titled, Consumer Complaint Re Klarna, for the full complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to non-compliance with XXXX, Experian and XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Prepaid card

I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX  and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request to XXXX, Transunion and XXXX as well to the XXXX itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency
Product: Debt collection

I was tricked into an online learning college scam and ive become aware of it a few months to this day. I was pursuing a dream of becoming XXXX, but unfortunately I was not lucky at the moment I enrolled in an online institution because there was no XXXX degrees being offered at the time XXXX of Puerto Rico. So I decided to entrolled at XXXX XXXX ONLINE to start pursuing a career XXXX. I asked for several loans to pay for the courses I was enrolled in and transactions were made between the education institution and the financial lender Salie Mae to cover the expenses of the degree, which were pretty expensive. XXXX XXXX XXXX was charging me {$300.00} per credit and the concentration courses were even XXXX credits, each course lasted 9 weeks and I only lasted 2 years before finding out that a college in Puerto Rico, XXXX XXXX, was offering the same degree, and I didnt had to pay a cent for the same education and even a better one. I was told that not even XXXX charges {$300.00} per credit. Now I have my degree but there is still no jobs XXXX, neither I have being able to start my own business due to the poverty level im under. I survive by doing a job here and there, by donations my parents give me and by welfare I got at the moment of enrolling in XXXX XXXX due to the benefits a student renter has for having such low income. 

I understand that there is a debt forgiveness doctrine practiced in the economic world. Similar to XXXX XXXX XXXX where every seven years debt must be forgiven. There had pass 8 years almost and yet, my debt has not been forgiven.
Product: Money transfer, virtual currency, or money service

have not been refunded and I do not want to be affiliated with any of your services or their services I need my money back for the XXXX something that Google pay authorized without permission
Product: Credit reporting or other personal consumer reports

UNAUTHORIZE INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXXXXXX XXXX
Product: Debt collection

I dont owe this bill I dont even live in XXXX  I live in XXXX XXXX . This is fraud and it needs to be removed immediately
Product: Student loan

I have recently returned to graduate school. The lender of my private loans, Access Group, has a policy that prevents me from deferring my private loans while in school. The policy is that after 30 months of being out of school I can not defer these payments in the same manner as a student returning within this period. I would like the same treatment as a student returning to school within this period.
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. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Product: Debt collection

This letter is being sent to you in response to a telephone call made to me on ( XX/XX/2020 ). Be advised that this is not a refusal to pay, but a notice sent to a pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validated is requested
Product: Credit reporting

I am a XXXX male that own his home that have no liens or missed payment and is current on all my accounts and the credit agencies keep giving me bad scores because I am XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit report two weeks ago i have not recieved my copy by mail. XXXX has not updated my credit report in three months. XXXX is in voliation of FTC laws governing my credit file. XXXX has not provided documention for any of my recent disputes.
Product: Credit reporting or other personal consumer reports

My account with SELF LEAD 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 those account 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: Credit reporting, credit repair services, or other personal consumer reports

In XXXX through XX/XX/XXXX Specialized Loan Servicing ( SLS ) approved me for COVID-19 Forbearance Plans of which I received assistance from the CFPB in the latter part of XXXX that led to COVID-19 Forbearance Extensions. 

With the assistance of the CFPB, SLS approved me for a Trial Period Modification in the amount of {$430.00} for for the months of XXXX, XXXX and XX/XX/XXXX. All Trial Period Payments were made on time and as a result ; SLS approved me for a Permanent Modification in the amount of {$420.00} of which SLS scheduled the first Permanent Modification Payment to be withdrawn from my Checking Account on XX/XX/XXXX ( the {$420.00} payment posted on XX/XX/XXXX as SLS Confirmation Number : XXXX ). 

On XX/XX/XXXX, I received a Credit Report Alert that my XXXX XXXX decreased by XXXX Points. Upon review of my Credit Report ; SLS reported on XX/XX/XXXX that my SLS Account was 120 Days Late in the amount of {$3900.00} with the Date of Last payment listed as XX/XX/XXXX. 

On XX/XX/XXXX, I made multiple telephone calls to SLS in an attempt to speak to someone that could correct the negative credit reporting that SLS placed in my Credit File/Credit Report. The SLS System repeatedly informed me that their Telephone Representatives were receiving large volumes of calls, that they were experiencing technical issues and to try calling back in 30 minutes while they resolved the issues. Each time I called back I was unable to speak to a Representative and was given the same message to call back in 30 minutes. 

After not being able to get through to SLS Representatives by telephone ; I sent a message to the SLS Online Message Center describing the negative credit reporting that SLS placed on my Credit Report/Credit File, but have not received a response from SLS. My SLS Account is not delinquent, and is not 120 Days Late as SLS has reported in my Credit Report/Credit File. I am currently in a Permanent Modification Status with SLS and have not been late in making any of my Trial Period Modification and Permanent Modification Payments. 

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

1 ) XXXX XXXX XXXX Acct XXXX XXXX 2 ) XXXX  XXXX XXXX  Acct XXXX  XXXX 3  ) XXXX XXXX  Acct XXXX  XXXX 4 ) XXXX XXXX Acct XXXX XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX XXXX XXXX  Acct XXXX  XXXX 7  ) XXXX XXXX XXXX Acct XXXX XXXX 8 ) XXXX XXXX, XXXX Acct XXXX  XXXX 9 ) XXXX XXXX Acct XXXX  XXXX 10 ) XXXXXXXX XXXX XXXXc Acct XXXX  XXXX In Accordance with the Fair Credit Reporting Act XXXX  Accounts 1-10, 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.
Product: Credit card

Good Day... And thank you for helping me with this issue on my Credit Profile. 

Credit is one of the most important part of our finances... so I thank you for what you do here at the CFPB! 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX called- XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXXXXXX ) I have over XXXX XXXX  in my XXXX XXXX and a very large following on social media. 

One of the things XXXX XXXX XXXX XXXX XXXXXXXX  is that many of the big banks have pre-qualification tools to help consumers see if they would be approved for Credit Cards WITHOUT taking an inquiry. 

That being said, I am well aware of XXXX, XXXX, Capital One requirements for approval. 

I now have been told by Capital One that i was prequalified for several of their cards ( approval attached ) therefore I applied - BOTH times denied for a card. I send hundreds of people to Capital One ever single month ... people with missed payments and bad credit are approved ... and somehow I am denied. 

I have over 20 credit cards with fantastic credit history, low utilization and a great mix of Credit. Cap One still denies me for some reason. 

I use all my credit cards wisely and responsibly and my credit profile / histroy shows that. 

If Capital one is going to deny me, I demand they remove the credit inquiries from both XX/XX/XXXX and XXXX XXXX XXXX XXXX 

I am very well aware that the prequal does not guarantee one may qualify for a new card, but with my profile ... and my 2 most recent cards granting me {$24000.00} and {$28000.00} Credit limits... there is no reason for Capital One to deny me. 

If they are going to deny me... I demand the inquiries be removed IMMEDIATELY I greatly appreciate your help on this matter... I understand how important credit is to all citizens of this country just like you... and I thank you for all that you do to help protect all consumers in this nation!
Product: Credit card

Discover Card called my home to verify I submitted an application for credit I said I did not and they wanted my to verify my personal information. I said I would not since the phone number and name of business that ne was calling from said unavailable and that I had an issue with persons stealing my mail. He stated that Discover card did not have to protect me the consumer under the fair credit act. he placed some one else on the phone she said call me back at XXXX and ask for XXXX XXXX. I told here to send me a letter with the detail so I can protect my identity. She advised me that the application would be canceled but no details would be provide due to privacy law. So the bad guy is protected by the law while I get my identity stolen. 
Prior to this a credit card was stolen from my mail activated by XXXX and fraud charges were made $ XXXX. I reported this to XXXX XXXX XXXX they just said they would write it off. Complaint filed with the local police and with the USPS. Requested that the credit reporting agency place a alret on my credit and Discover is stating no such alert is present. How do I protect myself now.
Product: Debt collection

I have received threatening letters from Financial Management & Associates stating that I owe a {$50.00} debt to XXXX XXXX XXXX.
Product: Credit card or prepaid card

In XXXX charged my XXXX dollar account that i had been paying on XXXX dollars in interest for exiting a promo period. no warning and my account balance doubled overnight. have tried to work with them to just payoff the balance but its just lead to numerous calls, they wont connect me with hardship nor will they help on the phone.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I have send in a Debt GoodWill Update Letter & have not heard or got any response.

THE FAIR CREDIT REPORTING ACT 623.

Responsibilities of furnisher of information to consumer reporting agencies 68 ( 15 U.S.C. & 1681s-2 ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transaction or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate