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

My account with DEPT OF ED/XXXX  was never late! I have had exceptional payment history witH 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 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 o 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. 

DEPT OF EDXXXX 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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my husband 's uncle sent me {$1000.00} us dollars on venmo and I immediately tried to put the funds on my bank account and venmo would not allow me transfer, remove, or send the funds or access it whatsoever and they then sent an email saying they were permanently deactivating my account and now I have no way to access my XXXXXX/XX/XXXX or send it back to my uncle!
Product: Debt collection

DISCOVER has violated my consumer protected rights. 
I, fully insured individual having extended an interest in my personal security as federal eligible obligation and right to credit was mistreated and harassed by the assignee DISCOVER and their deceptive, abusive and unfair practices.

I have sent dispute notices to DISCOVER regarding their alleged requirement to report to third parties with consumer consent and DISCOVER has responded by changing dates generic letters as responses. DISCOVER has disgraced me the consumer deliberately in violation of my consumer right of privacy, confidentiality in their refusal of exclusions of transactions or experiences via consumer reports furnished as defined under Fair Credit Reporting Act.

I spoke with account manager XXXX XXXX XXXX XXXX who alleged that the consumer had no right of privacy where third parties were concerned and DISCOVER could take consumer information and furnish it to whoever them wished. I demanded to speak to her Supervisor XXXX account managers on XX/XX/22, who after much effort to clarify the liability of DISCOVER failure to comply with STATE and FEDERAL laws that DISCOVER in effect has accepted liability and incurred itself a deficit of civil liability. XXXX stated he would escalate my complaint to executives regarding the asserted violation my right of privacy and confidentiality, in their willful dishonor of my cease communication via medium of credit reporting agencies as unauthorized publication of likeness pursing protection of State consumer protection laws as otherwise misappropriation of trade mark of collusion via invasion of privacy. 

DISCOVER has also misrepresented the term Bureau as defined under FCRA in their letter to deceptively assume to role as credit reporting agency themselves.

DISCOVER continues to evade respond genuinely regarding the injuries they have inflicted against me the consumer.

DISCOVER has engaged in illegal acts that has in effect voided the agreement. 

SEE ATTACHED CEASE AND DESIST NOTICE
Product: Money transfer, virtual currency, or money service

-USAA Banking : inquiry/ investigation and no action -XXXX : no action taken -FBI cyber crimes complaint XXXX no action taken XXXX XXXXXXXX XXXX : XXXX transaction - {$1000.00} : dollar amount from fraudulent scam transaction authorized by buyer I initiated a XXXX fraud/ scam complaint with my bank, USAA on XX/XX/2022 XXXX My bank informed me on XX/XX/2022 that I would not receive a refund credit to my savings account because the XXXX transaction I had authorized to a scam seller/ service provider is not Federally insured.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have XXXX accounts reporting on my consumer report that have late payments in the payment history. These accounts are inaccurate and need to be updated XXXX paid as agreed, paid on time, never late. I have never been late on any of my payments. ( XXXX XXXX XXXX XXXX XXXX )
Product: Credit card

ON XXXX XXXX MY BANK XXXX MADE A ELECTRONIC PAYMENT OF XXXX $ TO AMERICAN EXPRESS FROM MY ACCOUNT. ON XX/XX/XXXX I OPEN MY ACCOUNT I SAW A RED FLAG AND I CALL AMERICAN EXPRESS.I WASS TOLD THAT MY BANK ( XXXX ) MADE A MISTAKE AND SEND TWO PAYMENTS OF {$110.00} AND THEY RETURN BOTH THE PAYMENTS BACK TO THE XXXX I OLSO TOLD XXXX I HAD TO PAY AN EXTRA {$97.00}. WHICH I PAY IMMEDIATELY. PHONE PAYMENT TO AMERRICAN EXPRESS .I CONTACTED XXXX AND THEY SEND ME A VERIFICATION LETTER THAT THE PAYMENT WAS MADE ON TIME.WITHOUT A PROBLEM. SINCE AMERICAN EXXPRESS RETURN THE PAYMENT OF XXXX $ BACK TO XXXX THE RETURN PAYMENT SHOULD BE APPEAR ON MY XXXX XXXX AS A RETURN PAYMENT.IT IS NOT .THE PAYMENT WAS MADE CORRECT BY XXXX XXXX  XXXX AS OF NOW THEY HAVE TAKEN XXXX $ FROM MY XXXX ACCOUNT AND AN OTHER XXXX $ .FROM ME..ON XX/XX/year> I PUT A STOP TO XXXX $ PAYMENT.PLEASE LOOK IN MY CASE..I THINK IS AN AMERICAN EXPRESS SCAM TO COLLECT MONEY.THANK YOU .
Product: Credit reporting or other personal consumer reports

Ive had this account removed previously and Portfolio Recovery Associates has started reporting this on my name again.

This is violation of the fair debt collection, practices act. I have attached Section 809 ( a ) that states validation must be provided within 30 days of the collection agency contacting the consumer.

Whereas, Portfolio Recovery Associates, never contacted me through any means of communication. 

The account details are below : PORTFOLIO RECOV ASSOC XXXX XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So upon checking my credit and going over my credit reports I found out that their was a bankruputct reporting on my credit report. When I saw that this was on my credit report Itook action and ask the Credit Brueas to remove this off of my credit report. They respose to me was it was verfied. How can they just say that it was verfied when I never gave them permission to verfiy it. 

The Bankruptcy is Dated on my report as XX/XX/2018. 

I have asked them numerous of time to remove this.This harming me and my kids by me being the sole provider. I am unable to get the job that I need. 

Per 15 USC 1681k ( 2 ) and 15 USC 1681 ( c ) them reporting this information is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX... 
XXXX XXXX XXXX - XXXX... 
XXXX XXXX XXXX XXXX - XXXX... 
XXXX XXXX XXXX - XXXX... 


I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. You can reach me at [ your phone number ] or [ your email address ] if you require any additional information or clarification. I am asking for your immediate assistance to correct these accounts in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX Balance Owed :. {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the XXXX dispute letters I have been sending to the Credit Bureaus, they have failed to removet the disputed inquiries compeltely from my Credit Report and continued their reporting without proving that the inquiries beling under my name. The last leteters I have sent to them was XX/XX/XXXX with complete attachments of my personal information. Under the FCRA, I have been requqesting that the Credit Bureaus take a look to my Credit File and confirm the validity of the disputed Inquiries and send me proof of their verification and yet they have to do so! I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. I am planning to pursue legal action and pursue the Credit Bureaus for their willful non-compliance with the4 FCRA regulation. The Credit Bureaus must remove the disputed inquiries as soon as possible : XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They're reporting me as late even when I'm not. So please carefully and thoroughly look at the attached documents to understand everything.
Product: Credit reporting

There are XXXX tax liens on my credit report, XXXX have been released and satisified. I would like to have them removed. I have called XXXX XXXX court and they are telling me they do not report or remove them. I called the Georgia XXXX and they are telling me they do not report to the credit agency. If they credit agency put this there, it should be removed immediately. This is satisfied and released.
Product: Credit reporting or other personal consumer reports

I recently became aware that unauthorized accounts XXXX XXXX, XXXX XXXX XXXX was open on XX/XX/2023, the balance is {$340.00}, XXXX {$340.00}. Addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX, NY XXXX, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information stays private which is supported by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " The Bank of America is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Bank of America the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent or permission to appoint or furnish this information additionally they do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and The Bank of America whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Bank Of America, XXXX, XXXX and XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an unfavorable item which they are reporting again without my permission this is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Bank Of America, XXXX, XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Student loan

I am the co-signer on my sons student loan. We have received mailed statements for years from XXXX but now that Mohela has taken over, they refuse to send a statement saying that I changed it to email. Thats impossible as I do not have access to the account. The payments and interest continue to grow as I have told them that I refuse to pay until they mail me a statement. One of their employees told me that it was illegal to send both email and mailed statements. I have made numerous calls and emails to their advocate, XXXX XXXX. 
XXXX XXXX XXXX is no longer operating and went bankrupt and was sued for predatory loans. Mohela is being sued for these exact practices for not sending out statements in a timely manner. Therefore, this loan was made under criminal intent. Its sickening to even have to pay much less being told they cant mail me a statement. They, of course, threatened me with my credit rating.
Product: Credit card or prepaid card

There was a transaction made with a company named XXXX XXXX in XXXX XXXX utilizing XXXX XXXX. I spoke to Bank of America the same day this occurred. I had to step out of class to give them a call since I got an alert on my phone. I lost my XXXX XXXX and had XXXX XXXX  linked to it. I made this very clear to the employee who was helping me. I received two letters stating that I had won this case and thought that this was over and done with. But a letter addressed to me, was sent out on XX/XX/2019 stating that they were unable to approve the claim even though I had previously won the claim. Obviously my XXXX XXXX was used by me in the past, but when I lost it, it still had XXXX XXXX setup and my card was still on it leading to this fraudulent charge. I would like the money refunded to my account for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED BANKRUPTICIES HAS BEEN DISCHARGED IN THE COURT OF LAW AND NO CREDITORS ARE ALLOWED TO REPORT DISCHARGE CASES. THOSE BANKRUPTICES HAVE BEEN HURTING MY CREDIT AND HAS PREVENTED ME FROM ACQUIRING NEW CREDIT, IT HAS BEEN TOUGH BECAUSE THERES SO MUCH THAT I AM TRYING TO ACCOMPLISH FOR MY BUSINESS AND DUE TO THE NEGATIVE ITEMS AND INACCURATE REPORTINGS IT HAS HOLD ME BACK FROM DOING THAT. PLEASE INVESTIGATE THIS AND HAVE ALL THE DISPUTED ITEMS REMOVE. PLEASE SEE THE ATTACHED PAPERWORK FOR THE DISCHARGE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and i dont recognize the following inquiries on my credit report and i didnt authorized the inquiries XXXX XXXX XXXX XXXX credit unions Inquiry date : XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX
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. 

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 DEPT OF ED / XXXX : # XXXX XXXXXXXX DEPT OF ED / XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX 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 XXXXXXXX : # XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX  : # XXXX XXXXXXXX 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 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.