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. 

Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT of EDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed/XXXX  XXXX XXXX XXXX  XXXX XXXX U.S. Department of Education XXXX XXXXl XXXX XXXX Dep of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Debt collection

This company is a horrible collection agency, they wont quit calling while I am at work. They keep sending me medical bills that have already been paid through another agency in XXXX, XXXX XXXX years ago. This collection agency keeps threatening me to sue me. I wrote them in XX/XX/2021 to get dates of service, what the debt was for and they will NOT respond. I wrote them a XXXX notice letter which is attached. Medical bills are not suppose to be on your credit report under the federal trade act so they are in violation.
Product: Checking or savings account

I have been a loyal customer of Bank of America for over 10 years, in that period that bank of would grant its customer 24 hours to correct the mistake of a overdrawn balance. However recently on XX/XX/2018 was charged 3 overdraft fees of XXXX  dollars each for transactions i did not authorize. I spoke to Bank of America 's customer representative named XXXX XXXX but she kept saying over and over again she would not refund the fees even though a full 24 hour period was not granted to me to fix the overdrawn balance before these fee were charges onto my account. I am struggling college with tens of thousands of dollars of debt already, i feel i have been fighting with BOA 's aggressive and predatory overdraft fees for several years now. Please help with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had 3 lates inXX/XX/2020 that were 30 day lates. 
XX/XX/2020 XX/XX/2020 XX/XX/2020 This was due to us being laid off because of COVID. 
I have tried several times to fix this with the company and they refuse to take these lates off my credit report. 
This is not fair. The world shut down and this was out of my control. 
These lates should have never reported. We are back up to date on everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Best Buy card for about three to four years now. I have never had an issue with any of my credit cards before, ever. I barely use this card and I just happened to use it this year for a large purchase. I also happen to be buying my first home this year as well.
In  XXXX  there was a payment of {$45.00} due for my Best Buy card, which I paid, but in  XXXX  I received a 30 day late on my credit report. I was told it was because the actual payment was {$10.00} off and that 's why it 's late. I explained that the online payment said {$45.00} so that 's what I paid. I always go by the minimum amount or I pay more. I never pay less, I always go by what 's required. Why would I pay {$45.00} and not {$55.00}, that just does n't make any sense. Especially when my credit is immaculate and I 'm in the process of buying a home?
The fact that it was reported to the credit agencies to begin with for {$10.00} is beyond me but everyone has a job to do right?
I was also never notified or mailed about anything wrong with my payment. Based on this discrepancy I wanted this to be removed because it could 've been a glitch or error on Best Buy 's website and an error on Best Buy for not reaching out to me for something as important as this? No phone calls, voicemails or mailings? Even if it was a mistake on my part, which it was n't, we all have lives, we have kids, dogs, homes, responsibilities, other bills, these things happen. I was even willing to go on autopay so something like this does n't occur again in the future.
I take this very seriously and I understand creditors want their money. But just like they 're taking my money they can also understand that these things can happen. I 've been a loyal customer and I did not feel like I was treated reasonably by the reps I spoke to over the phone or via chat which is why I 'm escalating the matter. In the end a late reporting only affects one person, the company is still receiving their money and their employees are still getting paid.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is practicing willful non compliance I have contacted this company several times by certified mail detailing this company is illegal and wrongful practices. My rights have been violated on several occasions from this company. This company has furnished data on my consumer report related to several accounts that I have already communicated to them is incorrect. This company is also responsible for furnishing negative negative and derogatory remarks on my consumer report. I have written this several letters and documents. I have filed complaints with the consumer. Financial protection bureau I have done FTC affidavits and still this company has refused to remove this information. By law they have 30 days to respond to me in detail their explanation for furnishing this data now that it has been several months later, I have still never received any proof of validation Nor have I received an explanation as to why they continuously furnace this negative data on my behalf without me ever giving them any permission. 

The negative accounts on my consumer report are as follows : XXXX XXXX XXXX Account Number XXXX Updated XX/XX/XXXX XXXX, XXXX Payment Status Charge-off Bad debt/collection Balance {$130.00} Credit Limit {$170.00} Credit Utilization 75 % 30 days XXXX XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX 60 days late 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
Account number XXXX Account status Open Balance {$430.00} Balance updated XX/XX/XXXX Original balance {$430.00} Company Name XXXX XXXX  Account Number XXXX Closed Date XX/XX/XXXX XX/XX/XXXX Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms 24 Months Scheduled Payment {$0.00} High Balance {$720.00} 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX 60 days late XX/XX/XXXX The laws that have been on my consumer report as followed : 16 CFR 444.1 16 CFR 433.2 16 CFR 313.7 15 usc 1681 15 usc 1666 15 U.S. Code 1692g 15 U.S. Code 1692j 15 USC 6809 18 USC 894 l, 18 USC 242.

The Privacy Act of 1974 I demand compensation for these continuous violations of my rights and my consumer laws. Which I am entitled to based on the law and codes designed to protect me the consumer.

This is a case of willful non compliance 7 CFR 205.662 49 CFR 241.15 2 CFR 200.339
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX and list of Inquiries. 


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

I sent a complaint earlier and here are the contents : I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 






















Please Block these inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX : {$690.00} XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

DISCOVER BANK opened a new account in my name after I disputed the charges on a card that was stolen. 

My bank and other credit card companies did the same after dissolving the fraudulent charges, but not Discover.

They are attempting to roll over the fraudulent charges to this new account. Why open a new account in the first place?

This is an unethical act on Discover 's behalf because by law I can not be held responsible for charges that I did not make.

Discover knows this, and has the responsibility of removing these charges which have been reported fraudulent. But instead they have decided to stick me with the fraudulent charges and charge me interest on the balance as well!

This is extremely illegal.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 months that are reported late 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Failure to Process Reinvestigation Request Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax for their failure to process my reinvestigation request in a timely manner, which has resulted in the violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a reinvestigation request to Equifax regarding inaccuracies on my credit report. Despite my efforts to resolve this matter, I have not received a response or any updates on the status of my request. The timeline of my actions and lack of response from Equifax is as follows : XXXX. XX/XX/XXXX : I sent my initial reinvestigation request via certified mail, including all necessary documentation to support my claim. 
XXXX. XX/XX/XXXX : Having received no response, I sent a follow-up letter to Equifax, again via certified mail, reiterating my request for a reinvestigation and expressing my concerns about the lack of communication. 
XXXX. XX/XX/XXXX : With still no response, I attempted to contact Equifax by phone. I was unable to reach a representative and left a detailed voicemail requesting a status update. 
XXXX. XX/XX/XXXX : I sent a final written request via certified mail, demanding immediate action on my reinvestigation request and warning of my intention to file a complaint with the Consumer Financial Protection Bureau if no action was taken. 

As of today 's date, XX/XX/XXXX, I have not received any response or update from Equifax. This lack of action has severely impacted my ability to secure credit and has caused significant stress and inconvenience. 

The Fair Credit Reporting Act mandates that credit reporting agencies must investigate disputes within 30 days of receipt. The failure of Equifax to process my request within this legally required timeframe is a clear violation of my rights as a consumer.
Product: Credit card

I was denied my own credit. As attorney in fact this is a violation of The Equal Opportunity Credit Act. Please do a secondary assessment and accept this credit application for highest amount possible. Otherwise this would be a federal violation and securities fraud. 

Are you aware your underwriting department is commiting a federal crime by denying me my own credit set forth as full faith and credit of the US? Are you aware that multiple cases have been settled based on this same claim. Lets avoid embarrassment and settle my accounts correctly or i will have to get an irs audit to satisfy my remedy. 

Since i am denied retract my application and return my original application! You are denying you access to my credit and that is discrimination against my person and violates the Federal Equal Opportunity Act [ This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act ] I am in good faith did what I could as the consumer to access your credit and was denied so Retract my application and return my original application. Retract my application. This serves as a notice of dispute.
Product: Student loan

I was told by XXXX that my daughter could not get a loan because she had no credit established so they offered me a PLUS loan to get her started. At that time they did not tell me that I could decline the loan and that my daughter would have still been able to get a school loan without my help. I was a single mother and struggling financially so I deferred these loans as much as I could only paying here and there but still trying. My payments stayed pretty much the same for years. Then Navient took over. After struggling through a very expensive divorce I got behind in my payments to them so I deferred once more. So starting in XX/XX/XXXX I started paying on my loans and my payments were {$200.00} which I could do. Then I started getting notices that I was behind on payments. I went back and looked and from XX/XX/XXXX to XX/XX/XXXX I had made {$1200.00} in payments ( I started at the end of XX/XX/XXXX and was making {$200.00} payments every XXXX weeks ) but when I would look up my loans online it showed I was still behind by almost {$800.00}. I started looking at my statements and realized that they increased my payments In XX/XX/XXXX from {$200.00} to {$350.00} and then starting in XX/XX/XXXX my payments would go up to {$370.00}. I called Navient and told them I could not afford to pay {$370.00} and why did my payments increase and they could not give me an answer. They said my only solution was to file for forbearance and they would cancel out the money I owe for back payments. I told them I did not want to file for forbearance again because that would only increase the interest that I would owe. They told me that was my only way to catch up on my payments. It is so totally unfair that you try to help your children get a good education and try to help them out but end up paying for the rest of your life because the interest on school loans. Navient is so uncaring and they are liars and need to be stopped.
Product: Money transfer, virtual currency, or money service

Through a PayPal transaction ( XXXX {$2400.00} ) sent to be me of XXXX my dad 's life insurance policy from thefuneralhome was sent XXXX ; it was NOT sent as a " friends and family '' transaction in error. Because of this Paypal placed the funds on hold accessing a transaction fee, asked for a tax ID & stating 24 % of the amount would be sent to the IRS.Once they realized it was life insurance proceeds, Paypal said they could do a reversal but they were the unable to ; then they tried to walk me thru a refund, but we kept getting an error message stating the 24 % would still go to the IRS ; they opened up 2 online tickets thru chat the XXXX week in XXXX XXXX  ; I have been contacting them thru chat and phone throughout XXXX and are constantly told either engineering still has not resolved the ticket or that a supervisor will call within 4 hours. I am not sure how they can be allowed to hold someone's money!!
Product: Mortgage

XX/XX/XXXX : Flagstar paid, in error, XXXX XXXX from my escrow account in the amount of {$1400.00}. 
I have never dealt with XXXX, and the policy number Flagstar provided is tied to another person entirely. 

XX/XX/XXXX : XXXX XXXX issued a refund to the policy holder in the amount of {$1400.00}. 

XX/XX/XXXX : XXXX customer/policy holder cashes the check in the amount of {$1400.00} End of XXXX XX/XX/XXXX : XXXX ( My new mortgage servicer ) did an escrow analysis and then reported to me an absurd negative balance. Ive spent, in total, close to XXXX hours on the phone between Flagstar, XXXX, and XXXX figuring out what error was made and trying to get it resolved. Flagstar has given me the run around and has yet to provide any resolution, despite them clearly being at fault. 

XX/XX/XXXX : Flagstar representative told me a refund will be issued from XXXX XXXX and I should coordinate with them. 

XX/XX/XXXX : I contact XXXX in reference to the information Flagstar provided, and they had no record and were not ready to provide a refund.
Product: Debt collection

In XX/XX/2023, I received a letter from " CCS '' to collect some debt that I did and do not recognize as something I owe. The same day I faxed them a debt validation request and got a notice that fax was successfully delivered to their posted fax number XXXX. However, it is not XX/XX/2023, and I still have not received debt validation information and I noticed they reported the collections to a credit reporting agency without ever notifying me or validating the debt.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.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
Product: Debt collection

I was improperly served a summons to court at my rental property to a tenant. Then I filed a court document to stay them off that I had to pay XXXX or something to file since I was out of town for the court date. They gave Resurgent Capital Services a default judgement even though I followed legal docs on time Claiming they didnt have anything. It was delivered to the court before the court date. The amount of the judgement is as shown in paper attached file. XXXX. After getting the judgement I phoned attorney XXXX office and spoke to Resurgent prior to filing and XXXX office offered me a payment plan of XXXX a XXXX until paid off. I accepted and have my bank debit permission. Later I found out on my credit report that they say I owe XXXX or so dollars after deducting XXXX. The initial line of credit for the XXXX account was only XXXX Why are they allowed to charge sick usery overcharges for no reason and without proper notice??? The lawyers at resurgent claim its allowed when I contacted them. Please make them change it to the original amount. Please see attached doc.