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

In Accordance with the fair credit Reporting Act XXXX has violated my rights. 15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : 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 an account under an open end consumer credit plan as late for any purpose. 15 USC 1681- Congressional finding statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

15 USC 1681a Definitions ; rules of construction ( d ) Consumer Report- 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for- ( 2 ) Exclusions- Except as provided in paragraph ( 3 ) the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

PAANL-Paid as Agreed Never Late. Please remove Late payment.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was charged a {$95.00} annual fee for my Citi / AAdvantage Platinum Select World Elite XXXX credit card. On XX/XX/XXXX, I called the card issuer, Citibank, to close the account and thus have the fee canceled ( within the 30 days allowed, following the date of the annual fee charge ). During my phone call, Citi offered me an incentive of a {$95.00} or {$100.00} statement credit to keep the account open. The credit would be applied to my account if I spent at least {$1000.00} in the next 90 days. I accepted the offer, did not close the account that day, and charged {$2600.00} to the card later that day ( XX/XX/XXXX ). On XX/XX/XXXX, I noticed that the statement credit had not been applied to my account and called Citibank to ask why. The representative with whom I spoke acknowledged the error and said the credit would be applied in 1-2 business days. Today ( XX/XX/XXXX ), I noticed that the credit had still not been applied to my account. I called Citibank to ask why. The representative said I had not fulfilled the requirements to receive the credit because I had not waited a day after receiving the offer to make my qualifying purchases of at least {$1000.00}. I don't believe I was told that the offer would not be in effect until a day after it was made. I told Citibank this on the phone today and requested that they apply the promised statement credit to my account. They refused, so I closed the account and told the representative that I would file a complaint with the CFPB. This is that complaint. I ask that the CFPB contact Citibank about this and have them make good on the promotional offer they made me on XX/XX/XXXX, the requirements of which I believe I fulfilled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Difficulty filing a dispute online with XXXX XXXX they are repetitively reporting in accuracy is displayed on my credit reporting that needs to be fixed or removed immediately displayed
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to urgently address the untenable situation I find myself in regarding the interest rates on my accounts. The current rates are excessively high, and despite my efforts to negotiate a more manageable agreement, I have only been presented with options that prioritize interest payments over reducing my principal balance. 

I hold both a credit card and a credit line with your institution, and the lack of assistance during this challenging time is disheartening. Every payment I make on my credit card takes up to XXXX business days to reflect on my available balance, and without notice, my available credit is consistently reduced. This not only prevents my payments from effectively lowering my principal but also results in my account appearing over the limit, further complicating my financial situation. 

I am unable to sustain payments that primarily serve to fulfill interest obligations without making progress on my debt. I urge you to reconsider my case and explore more equitable options that would help me manage my debt more effectively. A prompt resolution to this matter is crucial for my financial stability. 

Thank you for your attention to this pressing issue. I look forward to your swift response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit
Product: Credit reporting, credit repair services, or other personal consumer reports

To who it may Concern my name is XXXX XXXX XXXX my address is XXXX XXXX CT XXXX ca XXXX the company webbank/fingerhut XXXX Flying XXXX XXXX XXXX XXXX XXXX, MN XXXX i open i account with them in XX/XX/2018 in 2018 of XXXX I was hurt at work put on workman comp i got behind on bills. i had insurance thru webbank that made payment in till i get ahead. as of today i payed in full. XXXX $ with interest. they reported late payment for XX/XX/2018 XXXX XXXX i ask to have removed. i know that had insurance that payed them. i ask have the late payment removed thu Experian made i made them aware that this is a violation of fair credit reporting act. i called finger hut ask i send good will letter letting know of my situation. they sent me letter stating that this was in my welcome packet that was sent. i would like to file a complaint. with consumer financial protection bureau. i believe these is a act of false of misleading representations to my persona as a consumer.
Product: Checking or savings account

I was and currently a Wells Fargo account holder and I was not notified by Wells Fargo bank about the illegal charges or fees that was charged on the accounts in the years from XXXX
Product: Checking or savings account

My name is XXXX XXXX, XXXX of XXXX XXXX Kindly see attached the response from Chase Bank dated XX/XX/2023, I would like to explain what transpired here, so that you understand my complaint and why I am objecting to the response from Chase. 

On XX/XX/2023, I opened a business checking account for my non for profit organization " XXXX XXXX '' at JP Morgan Chase Bank hereinafter referred to as " Chase ''. On XX/XX/XXXX, I deposited a check in the amount of {$10000.00} from a non for profit organization, by the name of XXXX XXXX hereinafter referred to as " XXXX ''. As is common in the process of Chase with new accounts, Chase fraud department flagged this deposit, and put it under investigation, to verify the validity of this check. They eventually CLOSED my account in the beginning of XX/XX/2023, with a claim that it's based on a lack of proof to verify this check from XXXX XXXX, The account had a total of {$13000.00} on deposit at that time, and ultimately all the fuds were locked up, which includes funds that were not of question at all, and same remain locked until they close this investigation. 

However, Chase has repeatedly denied to accept any kind of validity or proof that was provided to them, including a letter from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX attached hereto, verifying this check, and as well as personal appearances from the Grantor 's institution Board members, to a Chase branch, verifying and confirming the check.

From my conversations with Chase, it turned out, that their only way of accepting verification for this check, would be by verifying the PHONE NUMBER on record for the Grantor 's Institution, specifically registered by their Risk Management Company 'XXXX  XXXX '' and ABSOLUTELY no other form of confirmation or validity, from any party, including the grantor 's banking institution, will be acceptable as confirmation.

Unfortunately, the Grantor 's institution is not registered by XXXX XXXX, and can therefore not be verified through this system, which leaves us with the circumstances that we are currently in, with all of my funds LOCKED. I have pleaded with them to at least return the funds to the Grantor 's Institution, but they have denied to do so. THIS IS HIGHWAY ROBERY, AND THEFT AT IT'S BEST. 

I want to directly respond to the attached respond by XXXX to this matter, whereas XXXX claims that in our Agreement at opening the account we are subject to those actions, THAT THIS IS COMPLETELY FALSE. Nowhere in any agreement between the consumer and the Bank, is their any mention of being subject to a specific third party to verify a XXXX XXXX. 

I AM PLEADING TO YOU, TO PLEASE STOP THIS MONEY GRAB FROM CHASE, AND FORCE THEM TO EITHER RELEASE THE FUNDS TO ME, OR AT THE VERY LEAST, HAVE THEM RETURN THE FUNDS FROM XXXX CHESED TO THEIR ACCOUNT AT XXXX XXXX, AND THE REMAINING FUNDS TO ME. THIS HAS BEEN GOING ON FOR MONTHS, WITH ABSOLUTELY NO MOVEMENT BY CHASE!!! 

Kindy and truly yours XXXX XXXX
Product: Debt collection

Well, this collections company sent me a letter in the mail recently stating that I owe a debt in the amount of {$2200.00}. However, it is passed the statue of limitation because the debt was all the way from 2002.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital 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 XXXX XXXX XXXX. 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 those account 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 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 filed 3 separate disputes with Equifax, XXXX, and XXXX in order to have inaccurate information removed from my credit file. The first dispute was filed on XXXX XXXX. XXXX, but I have not received a response from the credit bureaus. I'm hoping that CFPB can help me with this issue.
Product: Debt or credit management

good XXXX  yes indeed I use klarna, but since the month of XXXX XXXX I have not made any order first because my purchasing power did not allow me and I wrote to you then from there I did not buy again with you then I lost my phone I will leave you the report of XXXX XXXX  I was without phone for XXXX weeks I reported it to the insurance they sent it to me in 4 days and then I lost the access to the account then you were still logically taking money from my account I will rely on my account logs of course because I saw that you the initial disappears I will leave you all the proofsTHEY STARTED TO REWRAP XXXX ME BECAUSE THEY KNOW THAT WHAT THEY DID IS NOT RIGHT I WILL ATTACH THE PROOF.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX  XXXX, Texas XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX XXXX XXXXXXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, XXXX, Equifax ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, XXXX, Equifax ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX UCC 1-308 ALL RIGHTS RESERVED
Product: Debt collection

This debt was dissolved due to company shutting down and failing to provide services. Further, the debt was sold without even providing any services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

paypal it limited my account without reason, I do nothing at all, I contact it and I explain my service that I sell but without having any answer.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant to 15 USC 1602 [ a ] that your Company never that your company never provided adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 [ k ] the terms adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation un 15 USC 1602 [ k ].

Further pursuant to 15 USC 1601 [ a ] consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end I have not benefited from this transaction which again is a violation of 15 USC 1602 [ p ].

According to 15 USC 1602 [ p ] The term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

I hereby request you to do the below mentioned things : DELET THESE ACCOUNTS AND VALIDATE THE DEBT 15 USC 1602G [ 4 ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX now ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, I will not escalate this matter to the Federal Court. in case, you dont accept the above request a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Since XXXX XXXX XXXX. 

ALL RIGHTS RESERVED WITHOUT PREJUDICE UCC1-308
Product: Vehicle loan or lease

In XXXX I purchased a XXXX XXXX XXXX XXXX XXXX. It was later repossessed due to Wells Fargo illegal practice of adding CPI insurance to the loan therefore making payments harder financially for me. The vehicle ended up being repossessed and years later Wells Fargo FINALLY had to face the consequences for their actions. They were held responsible for the actions that caused thousands of consumers to lose their vehicle. I lost my job due to their actions as well as had to withdraw my XXXX just to be able to purchase another vehicle. They recently sent me a payment of {$6400.00} but was a slap in the face for the damage it has caused over the previous 17 years. It has completely ruined my credit with that being my first big purchase. I completed a packet for mediation and they tried settling with yet another slap in the face of {$2000.00}. This has consistently played a factor in my everyday life and it is time that Wells Fargo be held responsible legally and criminally.
Product: Debt collection

On XX/XX/XXXX @ XXXX hours Cavalry Portfolio Service received certified letter requesting proof of original application, contract, any and all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I received a letter dated XX/XX/XXXX stating " the dispute lacked specific facts or information which would allow us to conduct an investigation ''. " Because the dispute alleges no specific information to form the basis for an investigation, we are unable to investigate the dispute pursuant to the FCRA ''. I find this totally erroneous and unacceptable from Cavalry Portfolio Service.. As per the Fair Debt Collection Act, section 809 ( b ), Cavalry Portfolio Service is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition Cavalry Portfolio Service received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since Cavalry Portfolio Service has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies immediately.