23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I had problem getting my EDD Bank of America debit card in the mail, I was disqualified for identity verification during Covid in XXXX, I eventually verified my identity XXXX XXXX I requested Bank of America to ship my debit card out to the address I have on file and the EDD debit card never comes. I called Bank of America representative to send an emergency transfer to me and I was told by their representative that I had XXXX XXXX in account. I never get any debit card from Bank of America and I was paid {$27000.00} from EDD. Bank of America told me the money wasn't in my account again, but I never received a debit card from them. I told the rep to filed for fraud claim and return my {$27000.00} benefit payment which the rep insisted that they can not do that, I've called Bank of America several times to return my money back and they insisted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My communication is in regards to the XXXX account furnished on my consumer report that I want deleted. Now, according to 15 USC 1681a ( 2 ) ( B ) it says a consumer report does NOT include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is, the term credit card mean any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the card I used to grant the right to this debtor making it a creditor, to then extend credit back to me. This is a violation of the FCRA and a consumer right to privacy. Congress clearly states what should be excluded from a consumer report therefore delete this account immediately.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action.

Heres the list of the questionable items : XXXX XXXX - Account XXXX Please investigate the history reported on this account It is inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX XXXX - Account XXXX Please ensure that all information is accurate XXXX  XXXX - XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX I don't recall having late payment on this account XXXX XXXX XXXX - Account XXXX Please ensure that all information is accurate XXXX XXXX XXXX - Account XXXX My parent has the same name as me. 

XXXX XXXX XXXX XXXX - Account XXXX i don't recall having late payment on this account XXXX XXXX XXXX - Account XXXX This is not mine. 
XXXX XXXX XXXX - Account XXXX Please remove it from my credit report. 

XXXX XXXX XXXX - Account XXXX Please investigate the history reported on this account It is absolutely inaccurate that this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX Please remove it from my public record XXXX - Account XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX ) was 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 ( 8 MONTHS ) 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 ) 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 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: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX I was buying concert tickets by a user on XXXX from my local concert group. She never sent me the tickets. I paid {$70.00} through chime pay anyone. I reported her chime account to the bank and they said there was nothing they could do.
Product: Debt collection

I was seen at emergency room due to car accident, XX/XX/2021, XXXX XXXX XXXX, I did provide insurance information to hospital at time of visit, the hospital didn't submit to insurance, and I didn't receive any information from hospital for debt, until I found on credit report, I have requested removal several times, without reply. I asked XXXX to submit payment, and State collection didn't reply with any documentation in the time of compliance, therefore debt is not my responsibility per XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I have diligently pursued the removal of fraudulent items from my credit report. I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, despite my efforts, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. Despite multiple attempts to resolve this issue, the inaccuracies persist, and I am seeking further assistance to address this matter. This marks the third time I am reaching out for help in rectifying these issues. 

These persistent inaccuracies have caused significant stress and hardship. It is crucial that these issues are promptly addressed to ensure the fair and accurate reporting of my credit history. I respectfully request that you could help me conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies. Please help me remove these inaccurate items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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
Product: Student loan

In XX/XX/XXXX, I submitted a XXXX XXXXXXXX XXXX XXXX XXXXXXXX  for employment at the XXXX XXXX XXXXXXXX from XXXX to have time credited to my account for loan forgiveness under the time-limited waiver. I submitted an additional documentation of more months of employment XX/XX/XXXX. These forms were transferred transferred to Mohela in XX/XX/XXXX according to XXXX Mohela said that they would catch up with processing this documentation after the XX/XX/XXXX XXXX deadline. It is now XX/XX/XXXX and I have still not received any information. There is no information on the Mohela website that the waiver documents were transferred or are in the process of being reviewed. 

I am very concerned because ( XXXX ) some of the time I submitted XXXX have counted under the waiver, and not outside of it and ( 2 ) President Biden says that payments can restart within 30 days of a resolution to his XXXX loan forgiveness plan. I want to ensure that payments are applied using waiver guidelines. I think I XXXX have met the required number of payments, and I do not want to start payment if that is true.
Product: Money transfer, virtual currency, or money service

I had two phones and I had all my bank information in both phones. from XX/XX/XXXX until XX/XX/XXXX they took the money from my bank account and transferred it to my XXXX XXXX {$6100.00} disappeared from my bank account. And I noticed that I had lost my XXXX  phone and someone had stolen it from me. I called the bank to explain my situation to them but the bank did nothing. I insisted again after days they blocked my card there. They returned the stolen money to me. After their investigation they recovered this money saying that they did not find the culprit. They can't do anything for me. I contact a lawyer, I explain the problem to him. my lawyer sends them a letter but they tell me that this complaint was already closed and that they did not receive the letter from my lawyer
Product: Credit card or prepaid card

Chatted with a Capital One representative onXX/XX/XXXXaround XXXX about payment options for late payments and what options were available as a result of covid-19. We were able to make arrangements to cover the late payments but the company seemed to be unwilling to suspend the interest I was going to accrue while making the payment arrangements. I totally understand I was late but I would've hoped they would've been able to pause my interest. 

Attaching the payment terms we agreed to for reference.
Product: Credit card

Company discriminated against right to credits of business. Described reasons for denial was because amount was " too high ''. Used false public information and right to dispute the accuracy of credit report as reasons to deny credit in denial letter. Proof of discrimination and ETC violation within the SEC. 

Right of Trust to issue and request funds from depositor or issuing financial institution Commission pursuant to section 78u3 of this title, other than by committing a violation subject to a penalty pursuant to section 78u1 of this title, the Commission may bring an action in a United States district court to seek, and the court shall have jurisdiction to impose, upon a proper showing, a civil penalty to be paid by the person who committed such violation. 
( B ) Amount of penalty. 
( i ) First tier. The amount of the penalty shall be determined by the court in light of the facts and circumstances. For each violation, the amount of the penalty shall not exceed the greater of ( I ) {$5000.00} for a natural person or {$50000.00} for any other person, or ( II ) the gross amount of pecuniary gain to such defendant as a result of the violation. 
( ii ) Second tier. Notwithstanding clause ( i ), the amount of penalty for each such violation shall not exceed the greater of ( I ) {$50000.00} for a natural person or {$250000.00} for any other person, or ( II ) the gross amount of pecuniary gain to such defendant as a result of the violation, if the violation described in subparagraph ( A ) involved fraud, deceit, manipulation, or deliberate or reckless disregard of a regulatory requirement. 
( iii ) Third tier. Notwithstanding clauses ( i ) and ( ii ), the amount of penalty for each such violation shall not exceed the greater of ( I ) {$100000.00} for a natural person or {$500000.00} for any other person, or ( II ) the gross amount of pecuniary gain to such defendant as a result of the violation, if ( aa ) the violation described in subparagraph ( A ) involved fraud, deceit, manipulation, or deliberate or reckless disregard of a regulatory requirement ; and ( bb ) such violation directly or indirectly resulted in substantial losses or created a significant risk of substantial losses to other persons.

Equitable Relief.

Section 21 ( d ) ( 5 ) of the Exchange Act of 1934.

In any action or proceeding brought or instituted by the Commission under any provision of the securities laws, the Commission may seek, and any Federal court may grant, any equitable relief that may be appropriate or necessary for the benefit of investors.
Product: Debt collection

They call every morning and wake me up. Im a senior and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my car leased through XXXX XXXX was totaled. Insurance covered the claim and the account was closed. In XX/XX/XXXX, I applied for credit and was informed that their was a Serious Delinquency indicator on my credit file, but in reviewing the credit report, there were no delinquencies. After much research, I was able to determine that the indicator was caused by the comments from XXXX XXXX. I contacted Experian, XXXX ( the 2 agencies reporting it ) and XXXX XXXX and asked them to remove the indicator as the account was paid as agreed and closed. Despite saying they have updated the account, the indicator remains on my report. I also contacted FICO and they are claiming that Early Lease Termination is considered a derogatory indicator. This Serious Delinquency Indicator only reflects on certain FICO calculations, not all. While it 's very clear to anyone who actually looks at my credit that there is nothing derogatory on my report and the account was paid as agreed and NEVER delinquent, I can not get any of the companies to correctly update the account and scores. I also want to mention when I was trying to fix this issue with Experian, I spoke with a supervisor ( did not get her name ). She was trying to tell me that my closed credit cards were the problem, but when I pointed out that I only had one derogatory indicator and there were 3 closed credit cards on my report, she told me that she could " fix '' it for me and add 2 more derogatory indicator. I find this beyond unacceptable and think the company should be fined for allowing their employees to treat customers that way. The person was rude, unprofessional, and ignorant. I expect an apology.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 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 or 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 have an account that needs to be updated to the correct status. I had a joint account with my son XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXXXXXX the account was reported to CHEXSYSTEMS on XX/XX/2022. This account has been resolved. PAID IN FULL.My Consumer ID is XXXX for XXXX XXXX in the CHEX SYSTEM DATE BASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX. NC XXXX. XXXX XXXX To Whom It May Concern : This letter is regarding XXXXXXXX XXXX XXXX  an unaware and unauthorized collections on my credit reports on all three bureaus which you claim I owe $ XXXX is a formal notice that your claim is disputed, this is not mines. 
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 XXXX or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont 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 outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims 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 but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REMOVE OR DELETE this information which can not be verified. XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, 2016 XXXX ; {$0.00}.