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

I have always maintained an impeccable payment record with the XXXX XXXX XXXX with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

It has been discovered that XXXX XXXX XXXX is acting as servicer for Absolute Resolutions Corporation for charges made to the principal, XXXX XXXX XXXX, Estate. Contact was made on XXXX to both companies to obtain proof of authority to administer the principle 's estate. XXXX XXXX and XXXX XXXX responded by stating they could answer no more questions. The issue here is that no person has any lawful authority to administer or speak to the estate because none was given. No prior consent was given directly from XXXX XXXX XXXX to obtain, share, sell, store, nor transfer any private non-public personal information belonging to the estate. Therefore, it has been obtain by fraudulent means. A report is being made to the Federal Trade Commission regarding this matter and legal counsel is being sought. The estate is seeking redress for the companies to immediately cease collection activity and release all alleged claims regarding any debts.
Product: Credit card

On XX/XX/XXXX I bought a {$15000.00} watch for my wife using the GS Apple card. 
The watch did not fit my wife and the merchant sent me a pre paid XXXX XXXX label to return the watch which is did on XX/XX/XXXX XXXX. 
The merchant then informed me it was a final sale but the receipt doesn't state that .I explained to Apple and the merchant, if it's a final sale ( which it was not ) please just give me back the watch. You can't keep my money and the watch. You can't have both. The merchant refused. Apple and Goldman Sachs have done nothing to this date, XX/XX/XXXX. Moreover, they have ruined my credit as I will not pay for a watch that I returned 2 days later with the XXXX XXXX XXXXabel provided by the merchant. He signed for the returned watch as well. GS/Apple have all the documentation. But they refuse to do anything. 
Recently, I read the article that through you GS paid $ XXXX in fines for exactly this issue. Failure to handle customer disputes. 
Now I have no watch no money and my credit score went from XXXX to XXXX. 
PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number # XXXX Dep of Ed/XXXXXXXX on XXXX XXXX original balance {$6000.00} Account number # XXXX XXXX XXXX XXXX on XXXX XXXX original balance {$33000.00} Account number # XXXXXXXX XXXX XXXX on XXXX XXXX original balance {$550.00} Account number # XXXX XXXX  on XXXX XXXX XXXX balance {$1500.00} Account number # XXXX XXXX on XXXX XXXX original balance {$850.00} Account number # XXXX XXXXXXXX XXXX XXXXXXXX on XXXX XXXX original balance {$410.00} Account number # XXXX Dept of Ed/XXXX  on XXXX XXXX original balance {$3100.00} Account number # XXXXXXXX XXXX on XXXX XXXX original balance {$880.00} Account number # XXXX XXXX XXXX XXXX XXXX on XXXX XXXX original {$5000.00} I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CONSUMER REPORT IN ADDITION I DID NOT GIVE XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY REPORT THIS IS A VIOLATION OF FCRA 1681B WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX Account # XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c (

a ) ( 5 ). According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person sh
all 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX we got a letter from Innovis XXXX XXXX. 
They have realized that my address has changed [ we moved XXXX  years ago ] and now they want to, and I quote the letter... 
" In the case of a new address, this written confirmation will be sent both to the new and former address. '' I have never given Innovis XXXX XXXX  any verbal or written permission to XXXX my personal information to whomever they want to. 
This is outrageous! XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
And now they are telling me [ from the letter ] that IF I want a copy of MY Innovis Credit Report that they will require this information, and I quote... 
" Please include your name, SS-Number, XXXX, XXXX of current address and Personal Identification Number ( PIN ) associated with the Security Freeze on your Credit Report. '' Can ONLY be submitted by snail mail, aka XXXX! 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XXXX XXXX, I was contacted by First Mark Services concerning my private loan. I XXXX from XXXX school on XXXX XXXX, XXXX. Immediately after XXXX I requested a grace period of 6 months after XXXX to begin repayment. A representative, XXXX XXXX from First Mark Services indicated that their records reflected that I used the grace period during the period of XXXX XXXX through XXXX XXXX. However, during that time period I was enrolled in school and did not use that grace period for repayment as I was a XXXX student and not required to make payments on the loan during that time. At the time, I submitted the form to nelnet loan company it was accepted by the customer service in XXXX. 

I submitted the same form that during that time I was enrolled as a XXXX student in school ( XXXX in XXXX ). Upon submitted the form I found that without further evaluation or confirming my enrollment they denied my request via the indicated form. 

Desiring to resolve this matter I then requested to reduce my payment amount to {$50.00} a month since I am currently unemployed and preparing for resident matching this summer, XXXX. After several email exchanges with XXXX XXXX, it was concluded that I could make $ 50 monthly payments until I became employed and was able to make the full monthly payment amountIn my email I stated that I will be able to make {$50.00} now then 2 weeks later I will be able to make a payment of {$100.00}, then afterward I will make auto pay of {$50.00} a month. I made my XXXX payment of {$50.00} then he contacted me and indicated that I will need to start making full payments and denying that he agreed to reduce my payment to $ 50 monthly. 
I felt I was really misinformed and misguided by the company. At the same time, I felt I was robbed of my grace period. 
I am trying hard to work things out with the company while the company is not even doing the minimum to help me. They are not even meeting the minimum requirements as indicated by law to completely inform me. They are using short answers that have misguided me.
Product: Bank account or service

I was charged {$70.00} in NSF fees by Wells Fargo. These charges were for XXXX debit card transactions that Wells Fargo paid. I declined the 'courtesy pay ' service when I opened the account, but was Wells Fargo opted to pay the debit card charges and assess me XXXX fees. Actual charges were XXXX, Wells Fargo paid it, then charged me XXXX, the other charge was XXXX and Wells paid it, then charged me XXXX. They declined to refund the money even though they verified I am NOT enrolled in " courtesy pay ''.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent formal dispute letters to [ Credit Bureau ( s ) ] ( XXXX, XXXX, Equifax ) to address inaccuracies on my credit report. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), the credit bureaus are legally required to conduct a reasonable investigation and respond to disputes within 30 days. If additional information is provided, they are given 45 days to complete their investigation and respond to the consumer. 

As of XX/XX/year>, it has been more than 45 days since the date of my original disputes, and I have yet to receive any response from Credit Bureaus. This is a direct violation of the FCRA, which mandates that the credit reporting agencies must provide the results of their investigation within the required time period. 

The failure of the Credit Bureaus to respond within the legal timeframe has significantly impacted my financial situation, as the inaccuracies on my credit report have remained unresolved. These inaccuracies may be affecting my credit score, access to financial services, and overall financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts numerous times with Equifax ; 1. XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$2000.00} ) 2. XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$3300.00} ) 3. XXXX XXXX ( Opened XX/XX/XXXX, Balance {$8400.00} ) 4. XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$130000.00} ) 5. XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$7800.00} ) 6. XXXX XXXX ( Opened XX/XX/XXXX, Credit limit {$2500.00} ).

7. XXXX ( Opened XX/XX/XXXX, Credit limit {$1800.00} ) 8. XXXX XXXX ( Opened XX/XX/XXXX, Credit limit {$6900.00} ) As allow by the FDCA I asked XXXX  to provide me with the method of verification or with any proof that shows that they verify this accounts but to this day they have ignored the law and failed to answer to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX XXXX XXXX ) placed on my consumer report by XXXX XXXX and Transunion. Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX XXXX accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to XXXX XXXX regarding the alleged debt they say I owe. I don't owe XXXX XXXX any money. XXXX XXXX has yet to send me anything bearing my wet-signature proving that I owe them anything. XXXX XXXX doesn't have my consent to furnish my Consumer report or share information with anyone. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as XXXX XXXX, and TransUnion prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )
Product: Credit reporting or other personal consumer reports

I am complaining because of XXXX  allowing fraudulent information to be reported on my credit profile. I am a victim of Identity Theft and I would like to have the fraudulent accounts removed from my profile.
Product: Credit card or prepaid card

On XX/XX/XXXX I requested a refund from a fraudulent company because i needed to cancel my trip due to a recent XXXX. I called the company who I booked my trip through, XXXX, and they agreed to issue me a refund and sent me a receipt of {$430.00} being refunded to my account. The refund was supposed to be issued within he next 10 business days. On XX/XX/XXXX, they sent me anoher email telling me that " its a short matter of time for it to be reflected back to your account. '' ( documentation below ) However, it was never refunded, when I tried to contact XXXX again, they put me on hold for one hour and then hung up. It was at this time I realized I was dealing with a fraudulent company, so I contacted Discover Bank to file a claim. I also sent Discover the supporting documents which revealed that XXXX was going to refund the {$430.00}. When Discover Bank did their investigation, XXXX then went on and said that it was a nonrefundable transaction which contradicts what they previously told me, proving further that this company is fraudulent. I would like Discover to refund me my money, I have been a valued customer to them since XXXX, I would hate to have to terminate our relationship over this.
Product: Mortgage

U S Bank claims the payment is late for about 6 months now. Furthermore, they have falsely reported to all XXXX credit bureaus as late. I have checks and documentation to prove it has never been late, moreover, the online account even shows the mortgage to have been paid on- time for the past 6 ( six ) years. On a daily basis they call and harass with threats and I continually tell them I have sent certified letters explaining the mistake and showing the mortgage to be paid as agreed.
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint against Equifax, a consumer credit reporting agency, for their failure to comply with the request to block all items related to identity theft under section 605B of the Fair Credit Reporting Act ( FCRA ). 

In XXXX, I submitted a formal request to XXXX to block all items pertaining to identity theft within four business days as stipulated under section 605B of the FCRA. This was in response to incidents of identity theft that have affected my credit report. However, despite the legal obligation and the time-sensitive nature of the request, XXXX has failed to take the necessary actions within the specified timeframe. 

This delay in action from XXXX has placed me in a precarious position, exposing me to potential financial risks and further damage due to the unresolved issues related to the identity theft. I have made multiple attempts to contact XXXX to expedite this process, but to no avail. 

I am seeking the intervention of the Consumer Financial Protection Bureau to address this matter promptly and ensure that XXXX complies with the legal obligations set forth in the FCRA. I urge your office to investigate this non-compliance and take the necessary actions to enforce the provisions of the FCRA, thereby protecting consumer rights and preventing further harm due to the negligence of XXXX. 

Enclosed with this letter are copies of all relevant correspondence, including the initial request made to XXXX, as well as any additional documentation deemed necessary to support this complaint. 

I kindly request that the Consumer Financial Protection Bureau take swift action in investigating this matter and take the appropriate steps to rectify the non-compliance exhibited by XXXX. Your prompt attention to this issue is greatly appreciated.
Product: Debt collection

Company was persistent and I told them to not call me anymore. Then one day, I received a call from my mother advising that she was informed about my debt from this debt collector. I do n't believe it was right to release this information, as they informed her about the amount I owed. This was my first issue with the debt collector. 

Then, in good faith I began to have scheduled payments taken out of my bank account every month with them in 2015, then one month I called in advance advising them that I had a new job and since I now would be working with the state, I would be paid monthy instead of biweekly and needed to have a payment date moved. They agreed. However, the amount was still taken out of my account and I received overdraft fees. 

I then, called and asked them to reverse this. And the debt collector said that I never had called. I find this to be unethical. I did everything I could to do the right thing. I had to call my bank and tell them that this was unauthorized.
Product: Debt collection

Edfinancial Services is claiming i owe student loan debt. 
The United States of America government is responsible for all debts under the the House Joint Resolution 192 & 18 USC 8 : Obligation or other security of the United States
Product: Debt collection

I got a bill trying to collector from XXXX XXXX for a supposed sum of XXXX yet if i paid before 30 days it was only XXXX. I personally walked into XXXX XXXX, paid my last bill and closed my account before moving to XXXX 5 years ago. What was even better that the bill was sent to my mother 's address in XXXX yet my last address while living in the USA was in XXXX. Convergent Outsourcing Inc sent me the bill
Product: Mortgage

Despite the multiple previous written requests, the XXXX item listed below still remains on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Collection : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 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 items of information, other than records of convictions of crimes which antidotes 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: Money transfer, virtual currency, or money service

I sent money through Zelle, to make payments during XXXX and XXXX. Payments were rejected and my bank charged me fees because Zelle didnt properly explain how funds could transfer at one time and then cease to transfer at another time.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"