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

Pursuant to 16 CFR 313.7 and 313.10 ( a ), XXXX XXXX XXXX is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties.

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, XXXX, Equifax, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of XXXX  XXXX XXXX with whom I have a direct relationship. They are separate entities from XXXX  XXXX XXXX that provides my financial information. They ARE NOT jointly employed by XXXX  XXXX XXXX with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with XXXX, Equifax, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that XXXX  XXXX XXXX complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time.

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically.

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship.

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7.

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request.

I emphasize that any opt-out clauses established by XXXX XXXX XXXX do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of XXXX  XXXX XXXX internal policies, the rights granted by federal laws take precedence.

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Product: Credit reporting or other personal consumer reports

Prestige Financial Services Company is reporting inaccurate information to all 3 credit reporting agencies. Company is still increasing the amount and saying that there are late payments when the account has been " in collections ''. If an account is in collections that means that alleged debt is no longer owed to the Original company, that company has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

in according with the Fair Credit Reporting act XXXX  Account # XXXX named XXXX  XXXX, acct # XXXX and XXXX named XXXX XXXX  and XXXX XXXX Account # XXXX also named XXXX # XXXX and Named XXXX XXXX acct # 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 an account without my written instructions
Product: Credit card or prepaid card

Barclays Arrival XXXX XXXX XXXX card alerted me to tow fraudulent charges on my card. Pursuant to that, when I received my statement there were two additional fraudulent charges which I then called into Barclays to alert them and dispute. I was told to deduct those charges from my payment. On my next statement I was charge interest and penalties for not paying my statement in full. I have called Barclays four times to try to get these charges rescinded, and was told I have to pay the charges. I have asked verbally and through emails to speak to a supervisor or manager. No one has returned my call. I believe I am protected by federal law and by my Barclay 's credit card agreement that consumers are not liable for fraudulent charges and any penalties associated with such charges.

I have had not response from Barclays regarding this manner.
Product: Credit card or prepaid card

Starting in the  XXXX  if  XXXX , I began to experience financial hardships. I request ed that Wells Fargo w ork with me to lower the APR on my account and establish a payment plan that I could fit into my budget. This included an initially lowered monthly balance due, with it increasing as I paid off other financial obligations and money became available. The company agents refused, but did offer a short term payment plan to cover the delinquent amount due on my account. I fulfilled that plan. However, I was subsequently unable to make the bank-stipulated payments. Between the   XXXX   of  XXXX  and  XXXX   XXXX  ( approx.  XXXX   )  I repeatedly tried to make a repayment arrangement w ith Wells Fargo age nts, but was repeatedly told that they do not make repayment agreements ( that they would only accept payments in the amount listed in the monthly bill ), and that I should just contact them if I am able to make payments in the future. On  XXXX   XXXX , I was sent a letter informing me that my account was being reported as a loss.
Product: Debt collection

I was never notified from the original creditor that a debt was owed. Now I am receiving notices that it went into collection. This is not fair to me and it was delivered to the wrong address.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, and Equifax, I am writing to formally submit this notice of violation regarding the handling of my consumer credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically concerning your agencys negligence in ensuring maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 
1. Violation of 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy Your agency has reported an account related to XX/XX/XXXX which was charged off by the creditor. However, this account has been inaccurately and misleadingly reported on a monthly basis as " charge off, '' despite the fact that a charge-off is a one-time accounting event. 
Under 15 U.S.C. 1681e ( b ), you are required to adopt and follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The continued and repetitive monthly reporting of this charge-off fraudulently extends the negative effects of the event on my credit report and is materially misleading. 
2. Failure to Maintain Reasonable Procedures to Verify Information Provided by the Furnisher Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information, such as XX/XX/XXXX , are obligated to report only accurate and complete information. Your agency has failed to fulfill its legal responsibility to verify the accuracy of the information provided by XX/XX/XXXX. 
The erroneous reporting of both the charged-off status and the continued reporting of a credit limit on a closed and charged-off account is a blatant violation of your statutory duty. 
Such reporting is inherently inaccurate, as a charged-off account should not reflect a remaining credit limit, thereby misleading future creditors regarding the availability of credit on a closed and written-off account. 
3. Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition Against Inaccurate Adverse Reporting The FCRA under 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that is inaccurate or misleading. By continuing to report the charged-off status on a monthly basis, XXXX, XXXX, and Equifax is in violation of this provision, allowing misleading and inaccurate information to persist on my consumer report. 
4. Negligence in Addressing Disputes and Correcting Information Pursuant to 15 U.S.C. 
1681i ( a ) ( 1 ) ( A ) Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. Despite prior disputes regarding the accuracy of the charged-off account, XXXX, XXXX, and Equifax has failed to undertake any meaningful investigation or corrective action, resulting in the continuous reporting of inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX  XXXXdischarged Filed on XX/XX/2017 Reference number : XXXX
Product: Debt collection

I am being called from multiple XXXX numbersXXXX numbers, etc. I know they are credit corp solutions and they call XXXX times a day. I am also getting extremely ticked off that they have been calling me after XXXX at night
Product: Credit reporting

I have XXXX student loans with the same isssue. ( XXXX ) Transunion reported a 90 day late payment on XX/XX/XXXX. ( this is not possible as payments for XX/XX/XXXX and XX/XX/XXXX reported as On time. This is an error on my report that is negatively affecting my credit worthiness.
Product: Credit reporting or other personal consumer reports

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information.XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00} XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX XXXX XXXX Payments have been made each month on this account, including agreements made with the company to not report to credit reporting bureaus in exchange for payment. Account now current. Request was made to remove delinquent items which were added without my consent. 

XXXX XXXX Payments have been made each month on this account, including agreements made with the company to not report to credit reporting bureaus in exchange for payment. Account now current. Request was made to remove delinquent items which were added without my consent. 

XXXX XXXX- Payments have been made each month on this account, including agreements made with the company to not report to credit reporting bureaus in exchange for payment . Account now current. Request was made to remove delinquent items which were added without my consent.

Under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 additionally states that a consumer reporting agency can not furnish account without my written instruction. Under 15 USCS 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.

I request all delinquent items from XX/XX/year> to present be removed from credit bureaus in accordance with above articles and in accordance with the rights granted to me therein.
Product: Credit card or prepaid card

On XX/XX/XXXX. I made a payment to America express. 

America express only applied {$1100.00}. I have been calling so they can applied the right amount and they continue saying that it was a mistake and they were going to fix it and we still waiting for them to fix the issue. it has been a month from them collecting interest on an amount that was payoff. 

This is not right i do not own them anything i want the money back or the money to be apply to the balance. I attached the whole statement to prove it. 

Also they advised that they were going to give me XXXX miles when i spend XXXX dollars when i called they told me i had a chance to get it until XX/XX/XXXX. them they told me it was too late that was only until XX/XX/XXXX that is false advertising. i want this issue to be resolved.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXXXXXX never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. 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 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 XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I have no knowledge of this account I'm not responsible for it they said its mine but its not mine they have no proof
Product: Credit card or prepaid card

Hi, I filed a dispute with Chase against the merchant XXXX for a transaction that occured on XX/XX/XXXX. I filed the dispute on XX/XX/XXXX. XXXX is a monthly subscription box service. I changed my subscription to a monthly subscription prior to my renewal date, but they did not process it and charged me for the full 6 months for {$270.00}. I disputed XXXX of this transaction, or {$220.00}. I received a notice on XX/XX/XXXX that my dispute was denied. Chase did not reach out to me before their verdict to get any info from me. I called them and was told to send a letter with my support to an e-mail provided, which I sent on XX/XX/XXXX. I did not hear back from them. After waiting, I then called again and was told to submit a secure message on the Case XXXX, which I did on XX/XX/XXXX. They replied on XX/XX/XXXX saying they were looking into it. I did not hear back, so I once again reached out on XX/XX/XXXX. I was then told to call them. I called yet again and they told me too much time had passed an that they did not receive my reply on XX/XX/XXXX ( for which I have gmail proof of ). So now they want me to mail it in -- which I will do, but I am sure I will be led in yet another circle. In addition to all of this, the merchant did not even send the remaining boxes and Chase would not let me open another dispute. So I paid money for something I didn't authorize, and on top of that, after being stuck with the charges, I did not even receive the products I didn't want in the first place. I'm really upset with Chase 's dispute process as I reached out multiple times and they did not once reach out to me to contact me on the phone during this process or to ask me anything. I've just been told to contact via XXXX XXXX and nothing was ever done. I'm just at a loss as to what to do now.
Product: Credit card or prepaid card

On XX/XX/2017 my wife made a charge for {$17000.00} on our American Express credit card. Within a few months it came to light that this charge had been made under " fraudulent '' circumstances by a company ( XXXX XXXX, XXXX XXXX XXXX, etc. ) that had been doing this for a number of years. This fact has been proven in three federal and state courts. Documentation for this has been provided to American Express on different occasions. We have, for over two years, been disputing this charge with AMEX to no avail. American Express has now cancelled my account and reported it as delinquent to the credit bureaus severely damaging my credit standing despite the fact that I have spoken to them on multiple occasions and thoroughly explained the situation. Recently, letters were sent to the " XXXX XXXX XXXX XXXX  '', the " XXXX XXXX XXXX XXXX XXXX XXXX '' and the " Chairman/CEO '' of the American Express Company asking that this matter be re-investigated, the amount be discharged from my account and that such resolution be reported to the credit bureaus as soon as possible. 
Despite the fact that the action ( s ) by the XXXX XXXX, XXXX XXXX XXXX, etc. has been determined as " fraud '' by three different courts and that my situation is a " textbook '' case for the " legal '' definition of fraud, American Express refuses to follow the decisions rendered by the courts or to accept the " legal '' definition of fraud but, rather, apparently feel they exist outside, or above, the law of the land. 
I ask that CFPB investigate this matter and to direct the American Express Company to accept the three courts ' decisions and to follow the " legal '' definition of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraud alert placed on my Experian credit file that indicates anyone who runs my credit needs to call me for permission. That was not done, and that violates my rights as a consumer and I'm now left with several credit inquiries that I did not authorize. I've reached out to Experian several times to advise of my credit being pulled without my permission.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX Inquiries : ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

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


Collection 1. Collection XXXX Account Number : XXXX Please remove it from my credit report. 

2. Collection XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Collection XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX : XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Late Payment : XXXX. XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 



I urge you to treat this matter with the utmost urgency.
Product: Credit reporting or other personal consumer reports

Problem is I am victim of identity theft and XXXX is reporting an account that is not mines on my credit report. The account name is XXXX  XXXX XXXX and Account Number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EXPERIAN HAS INFORMATION ON MY CREDIT REPORT THATS NOT MINE.
Product: Mortgage

Complaint against BSI Financial Services. XXXX XXXX XXXX XXXX, XXXX, PA XXXX We are currently in an active bankruptcy. We received a notice from the BSI Finanial company stating we are in foreclosure and they are no longer excepting payments from us. I called BSI and spoke to a Mrs. XXXX who stated they had been granted a stay of relief and are foreclosing on out property back in XXXX. She refused to provide any documentation to us or our attorney. I contacted my attorney and he stated there is no stay of relief approved by the courts and continue to make our monthly payments. We sent in our XXXX and XXXX payments, both checks have been voided and returned stating we are in foreclosure. 

Today XX/XX/20 I spoke with a XXXX at BSI Financial who continued to state we are in foreclosure and they have been granted a stay, through the courts .Once I pressed her to provide the legal documentation in regards to the stay of relief to myself and my attorney she back tracked and stated that the had not been granted a stay as of yet. I informed her that BSI has been violating the law by using false information and misrepresenting the situation to illegally bully us into a foreclosure during an active bankruptcy. At no point have we sent in a late payment to this company. In no way have we violated our end of this contract. I attached all documentation we have received from BSI. 

-Voicemails are not returned, once get in contact with the person handling your account they state they are looking into it and never get back to you. 
-BSI cashed and processing all checks received, often times 2 months after they were sent. They also stated they did not receive a payment even though I provided tracking information from XXXX stating they received the payment. They also refused auto pay for our account. So we had to continue to send in checks with no statements taking up to 2 weeks to process. 
-Refusing to provide monthly statements, Attorney provided authorization 5 times to send statements directly to our address. 
-Not disbursing escrow payments to homeowners insurance on time. Received cancellation notice for homeowners insurance company. 
-Disbursing property taxes once in delinquent status, request made at 2 different times to disburse tax payment from our escrow account, due in XXXX they were finally paid in XXXX. 
-Receiving collection calls from day one when our loan was sold to them stating we owed back payments for {$17000.00} that were already being paid by our trust as part of the bankruptcy.