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

Clarity Services XXXX is continuously reporting inaccurate information on my consumer report/ File. I never gave Clarity Services XXXX consent to share my information and these accounts must be deleted immediately. This is a violation of the FCRA. Also late payments are illegal and should not be on credit reports. The violation of my rights on my consumer file is Late Payments- 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Definitions ; Rules of Construction. 2 : Exclusions. Transactions are not included in the consumer report/ consumer file. Delete these Late Payments and Update my Payment History to PAANL status, or Delete these accounts now. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1666b States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also, XXXX has violated 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It is also against the law for Clarity Services XXXX to make any consumer report containing any adverse item of information IAW 15 U.S.C. 1681c ( a ) ( 5 ).
Product: Debt collection

I have a letter from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. The letter offers me a settlement opportunity. I have searched through my records and it appears to me that this debt was bought from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. This account was paid in full in XXXX XXXX. I am perplexed as to why XXXX has this when it was paid. My distress at the moment is that it is a negative item on my credit record and I have tried to explain to the company and the credit bureau that this is a mistake and I want it removed from my credit record but I have not gotten any cooperation. 
The statute of limitations on debts is XXXX years in Texas. This should not be on my credit record.
Product: Debt collection

I was a victim of Identity thief, this account showed up on my credit out of no where. I have never had dealings with this company.
Product: Checking or savings account

I contacted a number of customer service representatives on Wells Fargo XXXX phone line regarding interpretation of promotions. 
Their answers varied from fully confident answers to uncertainty to complete refusal to answer the question. 
But ALL of them first stated this question should be addressed by a banker at a local branch which offers the promotion and that the banker has the final authority to interpret the terms. 

I have contacted four bankers at four different local branches.

All of them gave me clear, fully confident answers to all my questions. 

I certify I am telling the truth and only the truth.
Product: Checking or savings account

My account had overdraft protection and changed to bounce check. As well as my credit cards having fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my report there are many collection accounts that are displaying an illegal balance. Additionally, many accounts are outdated or incorrect. I requested an investigation or to validate accounts. They only deleted one account out of man, within 30 days. Lastly, one account is only being reported for two bureaus.
Product: Credit reporting or other personal consumer reports

Pertaining to XXXX XXXX XXXX XXXX XXXX, NE XXXX Furnishing False Statements on consumer 's Credit Report as well as committing Mail Fraud sending consumer Unauthorized Solicitation, like fake invoices to the consumer in regards of making the consumer reliable for a fraudulent debt payment which is the responsibility of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's XXXX, XXXX, Equifax, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX  IS BREAKING THE LAW. Pursuant to subsection ( A ) 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. I, ( FIRST, LAST ), did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX : ACCOUNT # XXXX Please do not respond with identification verification, this is indeed XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today, XX/XX/year>, I'm unable to access my Experian account and they offer no remedy for accessing it. Apparently, they have my phone number wrong so I'm unable to log on to their site without a password that I don't have.
Product: Debt collection

I am requesting the original purchase agreement 15 US code 1692 ( c ) g )
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had multiple errors where all my credit inquiries were removed and they reappeared. I stated to them i was a victim of inquiries and they should be removed. They keep responding that after the dispute that it stands which is incorrect. Not once they did this to my credit report but twice. And they dont have an explanation for that reason
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX account number 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: Money transfer, virtual currency, or money service

On XX/XX/year> a call came from XXXX, Bank of America 's customer service number. They asked to verify some XXXX transactions to confirm we made them as they said our account may have been compromised. We verified XXXX transactions and then they asked about a XXXX transaction in the amount of {$2500.00}. We answered we did not make that transfer. They then texted verification codes and instructed us to transfer money out in order to protect us. Because they posed as a bank of America employee and texted verifcation codes we had no reason to believe it was a scam. This has never happened to us before. We have submitted this claim with Bank of America and have been denied for fraud and denied twice for a scam. The bank has told us that we have no recourse with them and to file a police report. They explained eventhough their system was compromised they are not responsible for this loss and we are not protected for reimbursement. We have been customers for 14 years and feel our finances are very unprotected.
Product: Credit reporting or other personal consumer reports

Flagstar Bank violated the following 15 U.S. Code 1681 ( $ ) -2 late payment during a panic.

The CARES Act prevents lenders from reporting late payments to credit reporting companies during the COVID-19 crisis.

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on paymentsXXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Coronavirus Delete lates payment from credit reported Within 30 days of this notice.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I have no knowledge of them, and the company proceeded without my consent.
Product: Credit reporting or other personal consumer reports

I was unaware of these charges from these companies someone used my information to get credit from XXXX of the same companies and this company couldn't tell that was fraud why would I open 3 different accts with a company that's the same with 3 different names
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from XXXX and XXXX incorrectly reports that I was late for my XXXX XXXX XXXX XXXX XXXX for XXXX XXXX for the months of XXXX and XX/XX/2022. I never received a bill from Barclays XXXX XXXX XXXX ) for those months. 

Prior to XX/XX/2022, I had no balance on the account and then had an annual warranty charge posted in XX/XX/2022 for {$69.00}. The charge was correct but I never received any notification or billing from Barclays for the charge. 

I asked Barclays to investigate and they refused but could provide no proof that I had received any billing or email about the {$69.00} charge. I have had no charges on this account for many years and only learned of the late charge when I ran my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I want to XXXX  that I did not give XXXX XXXX for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my XXXX is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my XXXX I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Product: Debt collection

My vehicle at the time was reported stolen in early XXXX  and settled with insurance which paid only blue book value at the amount of {$4600.00}. At this time, Credit Acceptance was showing a remaining balance of {$4300.00}. I'm not denying there was a balance. I am denying this account being OPEN. They are reporting an open account on my credit and adding monthly fees as if I am in possession of this vehicle still. Although they updated amount of remaining balance in XXXX oXXXX XXXX as {$4300.00}, they reported a remaining balance of {$4200.00} in XXXX of XXXX. That amount remained the same until XXXX of XXXX which at that time was listed as {$5100.00}, which an additional total of {$860.00}. Every month after it has been additional amounts ranging from $ XXXX {$70.00} in different amount each month up until the current month, now showing I owe {$5600.00} as of this month. I have disputed this account and amounts a few times from different credit sites and they seem to continue to report this account as being open. I would like it to appear as closed as it is a closed account. I can not get my credit score under control because of this company.
Product: Bank account or service

I wrote a check in the amount of {$1500.00} to a business ( with a business name ) in XXXX Texas on XXXX/XXXX/XXXX. The check was stolen and deposited into someone 's personal account at XXXX XXXX. It was not endorsed by the payee but instead signed by an individual. Yet Chase bank ( my bank and the payee 's bank ) honored the check anyway, took the money from my account, and paid the individual that was not the payee. 

I learned of this the following day and notified Chase bank. They required me to fill out and submit an affidavit. Which I did immediately. Months passed and I followed up every week, then In XXXX XXXX Chase requested and affidavit from the Payee. That was done immediately. 

Since then I have gotten the runaround, and still my money has not been returned. I have supported their efforts to find the thief, yet more than 5 months have passed and Chase refuses to return my money until they get the money back from the thief, even though they paid the thief, someone other than the payee. I have no control over that. There was no fraud on my end. No one claimed to be me, nor did they claim to be the payee. The check was stolen and Chase paid it without verifying they were the payee. This is their mistake, not mine. 

I have called the Chase fraud department almost every week trying to come to a resolution, and they have no news or updates. For months they tell me they are researching this. 

Moreover, they have been rude and even threatened to hang up when I ask for a manager. 
I feel I have no recourse to get my money back other than to sue Chase ( which I really do not want to do ). And so two weeks ago I told Chase that I feel the only way I will ever see my money again is to sue them. 

The next day I got a call from my bank manager saying that Chase fraud department told her that they are closing the claim because I threatened to sue them. 

How can they do that? 

Last week I called Chase 's Executive office and they said they 'd resolve this in 48 hours. Since then they have not called me back. I have called there two more times and I was told that someone would call me back that day, but no one has yet to call me. 
I realize that I really do have to go to court to get my money back. This is not right because they should not have paid someone other than the payee. 

I am also reaching out to you in the hope that there 's an easier way than court and also to find out of there is any other way for me to resolve this.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. Again, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case!
Product: Student loan

Hi- I am a victim of Navients predatory lending practices when I took out my first loan through Sallie Mae back in 2007. They assured me that a 10-15 % variable rate loan was a good loan and I proceeded with their guidance. I borrowed approximately XXXX to go to school. By the time I was out of school that amount had ballooned to approximately XXXX. I asked many times about repayment options and all they did for me was put me into forbearance. Everytime I was put into a forbearance I had to pay a XXXX fee and then I would have a forbearance for 6 months. The amount would balloon making my debt grow and grow and grow. They harrassed me and my cosigners, who were my parents, they made my life a living XXXX and I literally have XXXX and anxiety over this. They would tell me " well we aren't the ones who decided to borrow this money '' or they'd gaslight me and say " sir, do you know how a loan works? '' when I was trying to explain to them that my loan was being mismanaged. It made me regret ever going to school. 

Finally I was able to find a job and I had agree 'd upon making payments with Navient. They put me in a temporary reduced interest rate program that lowered my interest 10-15 % variable rate loan to 5 % but only temporarily and this too cost a fee. My payment was around XXXX a month. I had been making these payments for close to 3 or 4 years when the reduced interest rate program had ended. I paid off almost nothing over this period of time. Even with my job, this was a major struggle. Finally, I had reached a point where I had to escape this predatory lending and luckily I qualified to refinance at a lower interest rate and this would get my cosigners off. However, I now have much much more debt than I'd ever have because of these predatory loans. After approximately 8 years of paying XXXX a month, my balance is still at XXXX. I have paid for my education over the years and because of the predatory lending terms, I my debt has only grown. With this new Navient lawsuit I need to go on the record and state that just because I worked tirelessly to try and manage these loans the best I could, and did not default, does not make me any less of a victim. My life has been plagued with XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am unable to buy a home, I was unable to practice my craft out of school and instead had to take the highest paying job in order to pay these loans. It has wrecked my career, my mental health, my relationship with my family and my financial life. I am 100 % a victim and will not stand by and not be seen. I have records beyond records of faulty information. It's nearly impossible to track how my money was being applied to the loan. Please help or guide with any information. I am providing documents as well. This also is not my first time contacting the CFPB about this matter and I am fully prepared to escalate this fight if it does not end here.
Product: Credit reporting or other personal consumer reports

I wrote a letter about unauthorized inquiries on my credit report, and more than XXXX XXXX later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within XXXX XXXXs is cause for immediate removal of all those inquiries from my credit report ; given that it has been more than XXXX XXXX, they should be promptly deleted. I demand that these inquiries be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting or other personal consumer reports

Re : Incorrect Personal Information To Whom It May Concern, Would you mind looking into this personal information for me- Seems a little awkward with certain information. I was going through my personal information on my credit and I was wondering if you don't mind fixing it to reflect the Identification, social security number, and proof of address I attached to this letter? Can you do me that favor? I mean, is there a reason why the personal information on my credit report contains errors? I looking at my credit report, and I noticed errors with my personal information, misspelled my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any other inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX
Product: Debt collection

XXXX   XXXX   XXXX , willfully violated Chapter (  XXXX  ) The failure to disclose in the initial written communication with the consumer  XXXX   XXXX   XXXX , violated chapter (  XXXX  ) of the Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT, as amended by Public Law  111-203, title X, 124 Stat. 2092 (   XXXX  ).  XXXX   XXXX   XXXX , willfully violated  Chapter (   XXXX   ) T he failure to disclose in the initial written communication with the consumer.      XXXX   XXXX   XXXX , willfully violat ed Chapter (  XXXX  ) The fa ilure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector.     I sen t Capital One  a dispute letter dated  XXXX   XXXX ,  XXXX  attached an d Capital One  failed to respond. But   XXXX   XXXX   XXXX   sent me a letter dated  XXXX   XXXX ,  XXXX  where they stated that I disputed the debt from them, which was false and I consider their response a letter of harassment as I did not write them as I never received the initial written communication to me.     They are civil for damages for their viola tion 813. Civil  liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- (  1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I expect them to comply with the federal a ct and they willfully violated the federal law.