23daVinci/CFPB_Complaints huggingface dataset:
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 USC 1681. 

XXXX XXXXXXXX XXXX Original creditor : Account number : XXXX XXXX XXXXhas violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with this company 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.

This company 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: Payday loan, title loan, or personal loan

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES XXXX XXXX XXXX CHASE. I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES, INC d/b/a CHASE on ( XXXX/XXXX/2021 ) via US mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES XXXX INC d/b/a CHASE who took adverse action against me, denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES, INC d/b/a CHASE are now civilly liable to pay me for the damages.
Product: Credit reporting or other personal consumer reports

Equifax on XX/XX/year> you received my Complaint. See CFPB case number XXXX regarding inaccurate and incomplete information on my consumer that you replied Verified/Accurate. The account that you responded verified XXXX XXXX to still has inaccurate and incomplete information. 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By law you are obligated to report accurate information, you are also supposed to notify me not later than 5 business days after the completion of the re-investigation by mail BUT you did not?! ( 6 ) Notice of results of re-investigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a re-investigation under this subsection not later than 5 business days after the completion of the re-investigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the re-investigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the re-investigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am here. By requesting in good faith pursuant rule 1002 a description of the procedure used to determine the accuracy and completeness of the information used in verifying this account as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Vehicle loan or lease

I have tried to lower the interest on my car loan since due to the situation of the pandemic I lost my job but still I continue to pay my payments and the interest is at 14.99 % and now the interest has dropped and I want to lower it but They don't want to help me, they say it can't be changed. To this day I have never stopped paying my car, I just want my interest to be lowered as the law stipulates at this time The bank that has my car loan is Westlake Financial
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries tHat should be off the report
Product: Debt collection

I have been being garnished since XX/XX/2013 from this company. They continue to resubmit to the court a request for garnishment and then add on their lawyer fees and filing fees to increase my debt. Thus, perpetuating my debt to the Portfolio collection company. The original debt was to XXXX XXXX and I have not received any written notification of the legal actions being taken. I am only aware when I get a letter from my employer stating the court mandated garnishment. This debt is also more that six years old. RCW 4.16.040 states that six years is the statute of limitations on debt collections.
Product: Debt collection

Enhanced recovery company keeps reporting a fraudulent collection to the credit bureaus for a collection at att mobility. I've been a customer with XXXX  over 5 years and they have already proven to the credit bureaus that my accounts have always been in good standing never late or missed payments. XXXX and XXXX have both deleted the collection and confirmed with XXXX that it was fraud. Enhanced recovery company continues to place this item on my reports and attempts to make me pay a fraudulent charge. XXXX deleted the collection the same day it was placed on XX/XX/2020. The company placed it on my report for XXXX  again on XX/XX/2020 and XXXX  confirmed fraud and deleted it the same day on XX/XX/2020
Product: Money transfer, virtual currency, or money service

I paid for a course offered on XXXX to a guy, he asked me for {$640.00} dollars in advance to start the course through XXXX quick pay. He never provided the course and doesnt want to return the money to me, I have been trying to contact him and also called the bank but they do not want to resolve the issue or offer an investigation for me.
Product: Checking or savings account

On XX/XX/XXXX 2020- An unauthorized transaction of {$1000.00} was removed out of my account. My email was compromised. I've been a victim of identity theft. My email was logged in with different IP Addresses. 
I submitted a police report the day of the activity. USAA denied my fraud claim when providing evidence of fraudulent activities to my account .... 
The Fraud Department failed to provide me with any paperwork of any sort stating my claim was denied. I was told by the bank I can't appeal their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.s.c 1681 section 602 a.i have the right to privacy 15 u.s.c 1681 section 604 a section 2 ; it aslo state a consumer reportion agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX has fraudulently reported and sold my personal information to credit reporting agencies and to LVNV Funding LLC. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Student loan

XXXX credit reporting service reduced my credit score by more than XXXX points in XXXX of 2015, dropping it from the high XXXX to the XXXX. My credit report states that I was 90 days late paying a student loan from XXXX University from University Accounting Services LLC ( henceforth " UAS '' ). The monthly payment was XXXX. I used my XXXX XXXX XXXX autopay feature to debit my account to make the payments. I have done so since XXXX without missing a payment. 

For some unknown reason the payments for four month in late 2015 months were either not sent or received. The automatic payments resumed again in XXXX without my having done anything to change their settings. Stranger still, I had a smaller loan from UAS during the same period that was paid the on the exact same day as the larger lone and we never marked delinquent. 

I believe there was a either a systemic IT failure in XXXX XXXX XXXX 's automatic payment system or a similar failure in XXXX 's receipt system. My checking account balance was more than enough to make these payments. 

I was not contacted by XXXX University, XXXX XXXX XXXX, UAS, or XXXX about the delinquent account and had no reason to believe that this account was behind. Indeed, I have not missed a payment on any credit line in the past 16 years. These missing payments from XXXX are a clear deviation from this trend. 

Moreover, as attached, my bank statements for the months in question show clearly that the payments were debited from my account on time and sent to UAS during the months in question. I have attached a screenshot of my credit report as well as bank statements that provide evidence that my account was debited for XXXX each month. 

Neither of the XXXX other major credit reporting agencies noted the account as delinquent. 

The drop in my credit score will significantly reduce my ability to take out a mortgage or loan in the future or rent an apartment. If XXXX is unwilling to make such a change, then I would like to request a refund of all debits from the allegedly defaulted account, which total to several hundred dollars.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute accounts do not belong to me. Please remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX  % accuracy that each items is XXXX  % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} CXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$930.00}
Product: Credit card or prepaid card

I was sent a pre-approval letter via mail from Fortiva Credit Card. I saw that it said pre-approval instead of pre-selected. The words should stand for themselves and what they mean. It should not be a grey matter for misunderstanding. I have been pre-approved and never been denied. This company is shady, because they should have told me that they was doing a credit check. I don't see were they said they will be doing a credit check. I don't live in the states that they specifically had disclosure on. So, what information applied to me. A credit check should not be need for pre-approval offers. XXXX XXXX just got hit for misleading with pre-approval lies. This effects a person credit score and a hard inquiry. They need to honor my offer and stop having grey matters on the card offers. Pre-approval should mean just that. Just call an activate and receive your card in the mail
Product: Checking or savings account

On XX/XX/year> I received multiple texts from USAA stating that they suspected fraud on my checking account. I tried to login to my USAA app but my PIN had been changed and I could not login with my password either. I had to reset the password and then the PIN and finally got in the account. I called USAA and was told that the department I need to speak with was not available and that I need to call back. I found out through looking at my account that someone had connected several online companies to my account and I disconnected them all when I saw this. I called USAA again and was told that they were exercising their right to discontinue banking with me due to suspected fraud. I asked what kind of fraud and was told that because I deposited one check and moved the money to another account of mine that it looked like fraud. This is something I have done before and I do not understand how this is fraud. My VA XXXX payment is direct deposited into this account and was told they will close the account within 90 days and then mail me any funds in the account. I depend on my XXXX payment to take care of my kids and pay bills. My XXXX was just deposited on XX/XX/year> and I have spoke to multiple departments because they are not legally allowed to withhold any type of VA benefits from a Veteran, yet they still have my money in this account and refuse to let me access it or move it to a different bank. I have called multiple days in a row and repeatedly asked to speak with a manager and have been told a manager will contact me but this is the 3rd day and I have not received a call. I need my VA XXXX payment released to me immediately.
Product: Debt collection

I was reviewing my credit file and noticed on collection account from Receivable Recovery Service dated XX/XX/XXXX. I have attempted to contact the collection agency via certified mail dated XX/XX/XXXX but have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of these bankruptcies ( below ) on my Experian credit report due to their failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they were required to promptly DELETE all information which can not be verified., Experian has violated the Fair Credit Reporting Act ( FCRA ). Please have them remove these bankruptcies ASAP. 
Furthermore, I disputed this inaccurate information on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. Experian REFUSES to disclose who verified this inaccurate information. I also contacted the bankruptcy court via mail at XXXX XXXX XXXX, XXXX, Il XXXX and they stated they do not correspond with credit bureaus and never verified this information with Experian which documentation of said information by the Court is attached. 
Due to the inaccurate information XXXX  deleted these bankruptcies and I asked Experian to follow suit in which they did not and continue to report this unverified inaccurate information on my credit report. Attached are documents supporting my aforementioned claims against Experian and its imprecisions. 
Bankruptcy Ref. # XXXX & Bankruptcy Ref. # XXXX Warm regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried to le my taxes and it did not go through. My accountant advised me that it did not go through because I was claimed as someones dependent. I never authorized anyone to use my information and denitely am not someones dependent. I feel as if I am a victim of identity theft. I was advised to report this to the credit bureaus. I called Experian and they told me I had to report this on here as well.
Product: Money transfer, virtual currency, or money service

Hello, how are you? 
On XX/XX/XXXX, Friday, I received a message informing me that you tried to contact me on the phone ending in XXXX. However, I did not receive any calls. Its possible that my phone identified the call as telemarketing and blocked it. 
Regarding notifications in the website inbox, there was no message related to sending additional information relevant to the case. The same happened with my email address, where there were no updates about my case. 
The next day, Saturday, at XXXX XXXX, I received the decision that my complaint had been denied. I believe the platforms minimum response time is 20 days, yet my complaint was denied in less than 24 hours. 
Regarding the eligibility of my purchase, the item I bought is related to XXXX XXXX, as detailed in the purchase history title. I tried reopening the case on XX/XX/XXXX, but the same issue occurred, and this time the complaint was denied shortly after reopening. 
Im not sure if there was some internal security block, but I am unable to access my account through the browser, and Im not receiving SMS codes on my phone. I can only access it through the app, and Im unsure if this is due to a device change or unauthorized access to my account.

I provided all possible evidence that I did not receive what I purchased and also sent all necessary information within the specified timeframe. Below, Ive attached screenshots of the emails I received. 
Thank you in advance for your attention, and I await a solution for my case. 
Best regards.