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

In Accordance with the fair credit Reporting act XXXX XXXXXXXX XXXX Account Number XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose. 

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

I paid PayPal  off the full balance of the account and for three years they have denied receiving the payment and continues to charge interest and fees for three years and report me to the credit unions and I have contacted the Attorney General in Florida and Massachusetts. Ive written into and reported XXXX XXXX for them to finally finish their fraud investigation through XXXX XXXX and I sent the statement showing the cancelled check from XX/XX/. Ive written continued letters, certified letters, faxes, and made phone calls. Ive spent so much money for copies, mailings, faxes. Ive sent the investigation letter proving they received the payment and I had XXXX XXXX contact them by conference call with my daughter and myself. They were told to stop sending me letters, statements etc and stop charging fees and interest and the emails, letters, phone calls are daily and worse? I am XXXX with a XXXX XXXX and XXXX XXXX and this has caused tremendous stress and huge issues with my credit reports. Theyve taken off the payments and put them back on three times. I keep having to send the credit unions envelopes of proof of all dispute material. The Attorney Generals contact gave me the address of the XXXXwo PayPal Managers and theyve been sent certified letters twice. I have all this proof if you would like me to mail. Synchrony Bank was sending All letters and changed it to I need to contact PayPal to find the money that they received?? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MA XXXX
Product: Debt collection

I received a collection letter from Portfolio Recovery Associates LLC back in XXXX stating that I owe {$2700.00} to XXXXXXXX XXXX XXXX XXXXXXXX. I requested validation of this debt via certified mail XXXX XXXX and never received any correspondence.
Product: Student loan

My grandson,  XXXX   XXXX ,  XXXX  in  XXXX    XXXX  . He had a private student loan that I had cosigned for him. I have asked the loan agency to forgive this loan, but they refused. The loan agency is   XXXX   XXXX   XXXX    XXXX   XXXX , which is serviced by ACS Education Services (  XXXX   XXXX  ).  XXXX  's student loan account was  XXXX , and my account is  XXXX .   XXXX   XXXX    mother is on  XXXX   (  $  XXXX   )  and I 'm  XXXX  and working to supplement her  XXXX .
Product: Credit reporting

XXXX entered a payment arrangement with me, in which they were to deduct my payments. I signed and returned the information. XXXX was going through a merger at the time with XXXX. The account was not even 30 days deliquent when I set up the auto pays, next thing I know, they marked the account 120 days past due, and charged off. I am upset because this has ruined my credit, and they wo n't respond or provide ACCURATE and full details of my payment record. I have tried to work with them several times, but it seems they do n't have the records, and are placing blame on my. If you view the payment reporting to the credit agencies- you will see the account went from paid on time to 120 past due in less than 1 month. They need to remove all of this information, I have given them 2 years to work with me or fix this, and it has ruined my quality of life and availability to consumer financing I would otherwise qualify for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the bureaus and the student loan places to have them correct the information on my report. I wrote to them in XX/XX/2018 regarding the late payments on the XXXX XXXXXXXX XXXX XXXX with acc # XXXX XXXX, XXXX, XXXX & XXXX. These accounts have been reported on my account multiple times. I reached out to them but I never received a response from them. I tried making a goodwill adjustment as I had fallen on hard times and was not able to make my regular payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts associated with my personal information, as I am a victim of the recent data breach that has affected numerous individuals. The following items do not belong to me and is a result of fraud that I did not authorize : 1. XX/XX/XXXXDate of inquiry : XX/XX/year>2025 2. XXXX XXXX Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to my personal information. The breach has compromised my data, and I am concerned about the potential for identity theft and misuse of my information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX EMPLOYEE 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 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  EMPLOYEE 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

I Have sent a written request to Equifax asking for my free written credit report on XX/XX/21 and again on XX/XX/21 I also enclosed a copy of my drivers license and a copy of my social security card along with two current utility bills and still they have failed to send me my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX  XXXX  XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX  XXXX XXXX  XXXX. XXXX, XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to file a complaint against TransUnion for violating section 611 Of the FCRA. Ive filed complaints with TransUnion for reporting inaccurate information. TransUnion verified the accounts in questions and said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both TransUnion and all the data furnishers listed below the required letters and I have not received anything from any of the companies. Ive further sent TransUnion request to remove these items for lack of response & theyve ignored my requests to remove the items which I know are inaccurate. TransUnion is now violating section 611, 609 & 623 and Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation. 
XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$23000.00}
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit card or prepaid card

I have had my Comenity Buckle Card, XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX placecard for a long time never XXXX. Then I opened a bug lots card and this is where it started the card was sold never got a statement finally talk to them get my payments finally straightened around then these where aold I have always had these cards on auto pay they where sold to bread financial never a notice so my payment was late on maurices because they dropped my auto pay. So I get letters stating they dropped all my credit limits way low. Which has now affected my credit score. This is the company fault I have called numerous times and they state everything is good then its not. Also my home is paid in full thats why it doesnt show in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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: Debt collection

Someone stole my identity and opened many accounts without my permission or authority. Please check 100 percent accurate, true correct and remove these fraudulent accounts ASAP. see attachments
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH PRIVACY ACT OF 1974, 5 USC 552a ACCORDANCE WITH GRAMM LEACH BLILEY ACT TITLE 15 USC 6801 PROTECTION OF NON-PUBLIC PERSONAL INFORMATION ACCORDANCE WITH 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN PERMISSION TO HAVE THESE UNAUTHORIZED TRANSACTIONS AND ACCOUNTS
Product: Checking or savings account

I am riding to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have occurred despite having sufficient funds when transactions were authorized I was charged fees due to lagging post of charge and credits this issue a line with the recent cfbd finding against Navy Federal for similar practice where transaction settled with insufficient balance despite initially available funds I will leave these practice are unfair and request an investigation into my account transactions
Product: Mortgage

XX/XX/XXXX - school taxes due from escrow account for discounted rate XX/XX/XXXX - school taxes due for the face value XX/XX/XXXX - statement received in mail from tax collector that school taxes were not paid and there would be {$280.00} late fee for not being paid by XX/XX/XXXX and must be paid by XX/XX/XXXX XX/XX/XXXX - contacted mortgage company, New Rez, - apologized for not paying school taxes and would talk to a supervisor to expedite the process to have them paid by their due date XX/XX/XXXX- filed a complaint with NewRez, have only received a letter in the mail saying that they have received a complaint and are working to " gather the requested information and will forward it to you as soon as possible. '' XX/XX/XXXX - contacted tax collector - school taxes still have not been paid XX/XX/XXXX - contacted mortgage company and they said that the taxes were mailed on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I finished their credit program. They kept billing me for 3 years after when I wasn't using the card. Now they say it's maxed out. They did not improve my credit score. I don't understand what I've done wrong.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX  Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am contacting you about the compromising of my Social Security number. I am a victim of a data breach/identity theft. I contacted the federal trade commission And my FTC reference # XXXX Please block and remove all information from my credit report and send me an updated copy of the credit report. My situation has been XXXX breaking and a burden. And XXXX asking for your help if you could remove these from my account. 

Under 15 USC 1681 c-2 c ( a ) The credit reporting agency must block and remove any allege pieces of information. The consumer considers identity theft within four business days of receiving the complaint.

1. Definition of character 2. Neglect enhancement of identity fraud 3. Violation under 15 U.S code 1681o 4. Violation under 15 U.S 1681n ( b ) 5. Violation of the federal credit reporting act 6. Failure to comply with 15 USC 1692 ( g ) 7. Violation under code 15 U.S Code 1681b permissible purpose of consumer reports.

8. Violation under 15 USC 1681 a ( 4 ) right to privacy 9. Violation under 15 U.S code 1681c requirements relating to consumer reports Unauthorized Accounts Account name : XXXX XXXX  Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX  Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX XXXX XXXX  XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX 
Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXXXXXX Account # XXXX Unauthorized Inquiries Account name : XXXXXXXX XXXX  Account name : Tower Loan Account XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX 

These accounts have violated my right. 
Please remove all negative accounts in XXXX business days. Thank you for your patience
Product: Credit card or prepaid card

On XX/XX/2021 I contacted Capital one and asked for my annual fee of {$39.00} to be waived due to not being able to work the past 3 weeks because of COVID. To which I was basically told Capital one is offering no means of help to card holders in these rough times. The representatives were rude, unbothered and inconsiderate stating " Maybe they can push off the charges to another month. '' I don't know if I'll start back work next month I don't even know how I'm going to pay my utility bills. I wasn't even asking for my charges to be waived just their ridiculous annual fee that I don't have the money for. It's ridiculous I've been a customer for 5 years of on-time payments, never had to ask for something like this before and this is how I'm treated. After the card is cleared I'm canceling the account, cold hearted company.
Product: Credit reporting or other personal consumer reports

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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Services 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
Product: Debt collection

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit card or prepaid card

I filed a CFPB complaint for payments not applied in a timely fashion, see XXXX. 

The response to this complaint does not address all of the factors in my complaint, specifically, that the XXXX payment was handled in a different way than the XXXX payment. The XXXX payment was backdated, without my asking for it to be, but the XXXX payment was not so backdated. 

I've also learned since the previous complaint that it is Goldman Sachs themselves that have imposed a {$750.00} limitation on electronic payments from XXXX. Had they not imposed this limitation the payments in question for XXXX and XXXX would have been sent electronically, not via check over the mail, and we would not be here arguing over payments not credited timely. 

I again request that my interest charges be waved, as my payments were submitted in a timely manner, and I would again request an explanation for why the XXXX payment was processed and handled differently than the XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to Transunion to fix this issue they have not fixed this matter yet.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.
Product: Debt collection

I had a collection through Paypal and it was on my credit. I paid the balance in full of the {$390.00} that was owed. I have asked for proof of payment and they show on their end that I paid but will not provide me a receipt stating that I did because it has bounced to different collection agencies. They are now telling me that I need to pay again then dispute after I pay to get my money back. This does not seem right I paid this back in XXXX of 2020. 
This is hindering me with future moves that I am trying to do with my credit. I keep getting bounced around to different agencies and nobody can help me.