23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXXXXXX XXXX XXXX account is reporting past due to the consumer reporting agencies but per 15 U.S. Code 1666b ( a ) : 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.

and per 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ) : If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
XXXX XXXX XXXX XXXX failed to mail me a periodic statement and failed to notify me in writing of the furnishment of negative information to my home address that is located on my credit reports and on the billing statements provided. The statements provided are also from the month of XX/XX/2022 ; indicating my home address was the same.
Product: Money transfer, virtual currency, or money service

Bought time off XXXX turned out to be scam tried to contact chase about XXXX said no refund was done said I they couldnt do anything. Girl turned off social media and blocked me after.
Product: Credit reporting, credit repair services, or other personal consumer reports

im writing this complaint because ive obtained my credit report and seen the some questionable items on there that are very dangerous and a burden to my consumer report. the unjust and unfairness of the credit bureaus has caused me a great deal of financial stress. please help me resolve this matter as it is a surprise to me that these items are on there when never authorized for my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a did a credit report with XXXX  and noticed it said i had a balance of {$9200.00} I have never had a credit card so this is wrong. 
It says i am an authorized user of a citibank creditcard that was opened in XXXX 
I was XXXX XXXX XXXX in XXXX 

I filed a dispute but they couldnt do anything apparently. 
I got a letter from citibank saying i needed the creditcard owner to remove me. I dont know how thats possible considering i have no idea who that person is.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the credit companies by mail and stuff asking them to remove addresses that are not mines in the last few months
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XX/XX/XXXX BANK XXXX XXXX - XX/XX/XXXX SYNCB/AMAZON PLCC XXXX XX/XX/XXXX SYNCB/AMAZON - XX/XX/XXXX ONEMAIN XXXX XX/XX/XXXX ONEMAIN - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Product: Checking or savings account

Chase bank has suddenly closed all my checking accounts on XX/XX/24 without any explanation. Despite multiple attempts to obtain clarification and a resolution, Chase Bank has refused to disclose the reasons for the account closures and has further declined to provide a timeline for the return of my funds. 

I have both business and personal accounts totaling {$26000.00} with Chase bank, this sudden closure has left me in a state of financial distress. 

Without access to my funds, I am unable to meet essential expenses such as rent, utilities, and operating costs for my business. Moreover, as I do not maintain checking accounts with any other financial institutions, this action by Chase Bank has severely impacted my ability to conduct daily financial transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries are Fraud not Authorized are TRANSUNION. XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX ... XXXX ARE. XXXX XXXX XXXX dates XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX also XXXX XXXX XXXX XX/XX/XXXX also XXXX XXXX XXXX XX/XX/XXXX also XXXX XXXX XXXX XX/XX/XXXX also XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, and I have rights under 15 US 1681 Equifax is governed by 15 USC 1681and they have violated my rights numerous times. I demand these accounts blisted below be removed because according to 15 US 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : 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 XXXX XXXX XXXX XXXX
Product: Credit card

CAP ONE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAP ONE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAP ONE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft ACIMA CREDIT XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i saw that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

It appears that my information was used to open a XXXX cell phone account on or around XX/XX/2022. I have had the same XXXX account for over a decade and have never used XXXX for anything. They used my name and my parents ' home address to open this account. I did not have any knowledge of this until a debt collector called me asking for the money owed on the account. I of course declined and proceeded to call XXXX to inquire about the matter. XXXX would not give me any information on the account as I did not have the password or pin associated because it was created fraudulently. I then proceeded to attempt to file a police report in the jurisdiction where I believe the crime took place XXXX XXXXXXXX XXXX  ), but I was told that since I now live in Virginia, they would not file a report. A few weeks later ( between XX/XX/XXXX and XX/XX/XXXX according to my credit report ), the debt hit my credit report and dropped it XXXX points. The collection agency is listed as " Receivables Performance ''. This is a major setback, as these derogatory marks usually last for years, and I am trying to purchase an engagement ring and my first house in the next couple years. At this point I feel very helpless and that there is nothing I can do to address this situation. I have since received the bills that were mailed to my parents ' house and included them in the attachments.
Product: Checking or savings account

My account was erroneously overdrawn due to a fraudulent charge. Because of that, a {$35.00} overdraft fee was assessed against my account. This started a chain reaction of several overdrafts due to automatic payments, which were paid by the bank including a {$35.00} overdraft fee. In addition, the bank assessed a {$35.00} overdraft fee every time my card was used, even if they did n't approve the transaction. This caused several hundreds of dollars of overdraft fees. 

I called Bank of America and spoke to a customer service representative, as well as their fraud department, and they said they would remove the erroneous, fraudulent charge and refund the {$35.00} overdraft fee, but every successive {$35.00} overdraft fee for charges they did n't pay would not be refunded, even though they did n't process the payments. I urged them to remove the charges, but they said this is standard in their checking accounts, and they refused to help me. I then decided to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following companies have violated my rights : XXXX XXXX XXXX ; Account # xxxxxxxxxxxx XXXX for {$580.00} XXXX XXXX XXXX ; Account # xxxxx XXXX for {$7200.00} XXXX XXXX XXXX for {$850.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I purchased an item at XXXX XXXX through a credit card issued by Comenity Bank.I received an email from a representative at XXXX XXXX that I would be compensated when the item was delivered to make up for a delayed delivery.I was not charged a reduced amount- I was charged the full price and was not issued any compensation.  After I contacted XXXX XXXX, they issued a gift card but did not credit my account. In the interim, I was charged late fees by Comenity Bank. I called a representative at Comenity Bank and spoke to him for an extended period of time describing the situation.  A significant amount of time passed before  I received a written notice from Comenity Bank that they did not have all the information they needed to process the dispute.  I then had to submit the dispute in writing, which included the email from XXXX XXXX promising compensation.In response to my written dispute to Comenity, they said the late fees, finances charges, and charged amount were all appropriate and said the case was closed.The compensation that was promised only materialized in the form of a store credit after I contacted XXXX XXXX.  The phone conversation I had with a representative of Comenity Bank led to a delay because that representative did not gather all of the required information to process the dispute. During this whole process I incurred late fees and finance charges. They also reported a 30 day late payment to credit reporting agencies in XXXX.  The item was delivered in XXXX and the promised compensation was not issued until after I called to inquire once the item had been delivered.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017 I tried to withdraw money out my PayPal account, to my surprise the account was then limited. The last transaction I sold was on XXXX XXXX, 2017. PayPal operating as a money transmitter in the state of Georgia is not allowed to hold peoples fund for 2+ months. I have {$260.00} being held and I 'm not receiving any interest. I contact PayPal on XXXX XXXX, 2017 at XXXX and spoke with XXXX ( manager id # XXXX ), she told me they wanted to hold my money for 180 days. I would like my money released so I can close my account and be on my way.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX 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 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 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

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17.00}, XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2900.00} Original Creditor : XXXX XXXX  Balance Owed : {$130.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I attended XXXX XXXX XXXX ( XXXX ) from XXXX to XXXX. Upon graduation, the only jobs I could get were minimum wage jobs and my student loans payments were more than I could afford to pay. I refinances my loans with a company called XXXX XXXX XXXX which did not satisfactorily explain that refinancing would make my loans fully private, limiting my eligibility for federal student loan protections. XXXX XXXX XXXX has since gone out of business and the note was transferred to American Education Services which had managed my direct FFELP loans which remained federal loans. They list the loan as being owned by XXXX XXXX  XXXX and the school is incorrectly listed as the XXXX XXXX XXXX and not XXXX. 

This year, XXXX was listed as one of the schools implicated in the Sweet v. Cardona lawsuit which stated that implicated schools engaged in misleading recruitment practices, and fraudulent misconduct. Students who attended XXXX and did not refinance their loans will receive debt forgiveness. Because I made my loans private, I will have to pay back {$68000.00} ( principle ) on a loan with an original balance of {$52000.00}. The difference owes entirely to compounding interest with a current rate of 9.2 % Because this loan is now private, I will not receive loan forgiveness under the Sweet v/ Cardona lawsuit. It is my contention that if the original loan was based on fraudulent and misleading recruitment tactics, any transfer of the loan to a private entity is also invalid and the loan should also be forgiven. 

I am going to be XXXX XXXX XXXX on XX/XX/XXXX. My student loan balance is four times greater than my 401 ( k ) savings. If I am unable to receive forgiveness of this loan, I will likely face garnishment of my Social Security. So this outstanding loan has the potential to impose a significant negative impact on retirement. 

Furthermore, I was diagnosed with XXXX XXXX XXXX XXXX in XXXX of this year. Therefore, I will only find it increasingly difficult to make payments on this loan given the medical bills I will incur over the remainder of my lifespan. 

I can seek to have this loan discharged in bankruptcy if I am able to prove undue hardship. However, the implications of bankruptcy on my financial well-being would be significant and would last for up to 10 years. It hardly seems fair that I should be further punished by bankruptcy to unburden myself of a loan that was fraudulent, to begin with. 

I have always remained current with this loan and never entered into default. I made payments when possible and received deferment or forbearance when needed due to economic hardhsip or being in graduate school. 

XXXX loans are intended to lift people up. Attending XXXX XXXX XXXX was the bigget mistake of my life. Refinancing the loans with Loan-to-Learn/XXXX  was the 2nd biggest.
Product: Debt collection

I have written XXXX about a collection on my report. They have done nothing to resolve the issue on over a year! I AM SICK OF IT!!!! Don't know this company! Never heard of them! All the other credit agencies have done the proper investigation and have removed it, but XXXX continues to have it cause my credit to suffer!!! I have all my certified mailings in regards to this request if needed.

ALLIED COLLECTION SVCS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I'm sending this complaint on behalf of myself, there is NO third party involved with this complaint. On XX/XX/2021 I sent a 609 dispute letter to Equifax regarding the following Inquires that has been placed on my credit repot, asking for a immediate investigation and removal of these Inquires. It has been well over 30 days and I have yet to receive any information regarding the investigation of the inquires listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently someone fraudulently applied for an XXXX student loan through Discover for {$20000.00}. I received two letters from them where it states it was denied because they could not confirm my identity. I spoke to the fraud department on several occasions to try to have this hard inquiry removed from my credit report and I had to explain that it was not me who applied for this loan. Someone else applied without my knowledge or permission but they said they were not allowed to share the email address with me of who applied they said I would have to file a police report. At this point I just want it removed as a hard inquiry on my report one of the letters I received is dated XX/XX/2021 the application ID is : XXXX, Discover address is : XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. They told me they would send an email to the three major credit bureaus explaining that this application was done fraudulently but I could only confirm with XXXX that it was removed from there end. It is still showing on my XXXX report and as for XXXX I can not get a hold of a live person. XXXX informed me that I had to write a written complaint regarding this and also to write to you guys explaining as well so that FTC could send me a form that I can in turn send in to XXXX credit reporting.
Product: Student loan

Received to pay student loan XX/XX/XXXX from Aidvantage while Biden hasnt confirmed extension yet..
Product: Credit reporting

Have contacted all XXXX reporting agencies on an XXXX XXXX issue where the account was settled in XXXX 2011. Part of the settlement, which they agreed to, was that they would not report negative information on my credit file. The Cause No was XXXX. Have provided this documentation to the reporting agencies and yet they continue to report negative information on my file.
Product: Checking or savings account

I filed a dispute with capital one for XXXX XXXX. I was given a provisional credit. They cancelled my card and sent me a new one. I thought my XXXX XXXX  was secure so I linked the new card to it. It was not secure and the scammer transferred money over from my linked debit card. XXXX XXXX denied the second dispute. Today they found me in favor of my first disputes but the second dispute is denied still. How can they approve XXXX of the disputes in my favor but deny XXXX of the disputes when they were the same exact thing related to the same exact issue.
Product: Credit reporting or other personal consumer reports

My right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my credit score and impacting my life negatively.