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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
balance {$900.00} Date opened XX/XX/2022 XXXX USA Balance {$770.00} XXXX XXXX XXXX XXXXXXXX {$390.00} XXXX XXXX XXXX XXXXXXXX CO XXXX XXXX {$260.00}, {$150.00}, {$180.00} XXXX XXXX  {$690.00} In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently resolved an error on my credit report regarding late payments in my account that shouldn't have been in my account. I contacted uheaa/Cornerstone about this issue and they told me they already fixed the error on their end and I would need to get in contact with XXXX, Equifax and XXXX  about this issue. 


Below is the email confirming the changes done to my account to fix the error on the payments..
Product: Credit reporting or other personal consumer reports

Subject : Immediate Action Required for Violation of 15 USC 1681e ( b ) and 15 USC 1681n Dear Equifax Dispute Department, I am writing to demand the immediate deletion of the inaccurate and duplicate account information reported by XXXX XXXX XXXX ( Account # XXXX ) on my credit report. This duplicate reporting is a clear violation of the Fair Credit Reporting Act, specifically 15 USC 1681e ( b ), which mandates that credit reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information they report. 

Equifax has failed in this duty by allowing duplicate entries for this account to appear on my report. This not only damages my credit standing but also violates my rights under federal law. Furthermore, I remind you that under 15 USC 1681n, any willful noncompliance with these obligations makes you liable for actual damages, statutory damages, punitive damages, and attorneys fees. 

I demand that Equifax delete this duplicate account information immediately. Failure to comply with this request will leave me no choice but to pursue legal action for each and every violation of the Fair Credit Reporting Act. This includes seeking damages for the harm caused by your continued negligence.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. XXXX. Balance : {$6900.00}, XXXX. Balance : {$6300.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Reported Date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have sent the correct paperwork per the FCRA to fix my credit reports. The reporting agencies are not attaching these documents to my disputes and not filing the disputes properly per the FCRA. 

I am not getting copies of the verification process per the FCRA. 

These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent countless letters to XXXX  and TransUnion about deleting two accounts from my Consumer report. I served both XXXX XXXX  and XXXX XXXX a Cease and Desist Notices asking the companies to stop furnishing my information to the Consumer Reporting Agencies. I need each account DELETED from my Consumer report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting addresses that do not belong to me. These addresses are linked to identity theft. In addition, there is a name that does not belong to me and I would like to have it deleted as well.
Product: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : XXXX Account # : XXXX Date Opened : XX/XX/year> Balance : {$7400.00} Payment Status : Repossession
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 reporting, credit repair services, or other personal consumer reports

Upon pulling my annual credit report I notice some credit inquiries that were unauthorized and were not clearly and conspicuously disclosed. My research on the FCRA Laws, states reports containing information solely as to transactions or experiences are to be excluded from my consumer report. Attached I have the names of the companies that are in violation. This is causing injury and is causing me to get denied loan/credit opportunities from me and my family. Thank you for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I contacted EXPERIAN on numerous occassions about these fraudulent accounts on my credit report. I have attached a dispute letter with the accounts and inquiries I want removed, an FTC Report, and an affidavit of truth. This is aggravated identity theft and defamation of character. I would also like to know what method of verification and validation is used. Can you show any consumer contracts bearing my signature witnessed by my hand?
Product: Credit card or prepaid card

I opened up a credit card made a payment with XXXX XXXX XXXX  account the following month I changed bank account numbers and deleted old bank account number. In XX/XX/2018Card company still used my old account to withdraw from account they charged me {$60.00} in fees after payment being returned. I contacted them and said it they had no control .... Now inXX/XX/XXXX I made payment and after using my new account ... I still get another fee for payment getting returned. I called credit card company again and they said they used a old bank account number that I put on an application years ago to make my payment??? Why? I never gave them that account number and with out my authorization they processed a payment from a account that I never gave them and that bank account has been closed for 2 years. They had my new bank account this whole time. They should be closed down trying to make extra money by adding payment accounts that don't exist to customers. Charging them fees.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian Dispute Information Center Dear Experian I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX - Account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Credit reporting

I am not sure this is the right place to do this but XXXX XXXX credit card reported a late payment for my credit card bill. it was not late. They have done this multiple times ( I actually quit using them for over a year due to issues with them ) but I gave them another shot and they XXXX again. I could not get onto their site to pay. I made contact with them and was told I would be contacted to pay the bill and no one ever called back. I kept calling and trying to logon unsuccessfully. When I finally got someone who would help me, it was past the due date. I explained the situation to them and they apologized and were supportive and removed the late fee but had already reported it on my credit score. It should n't be there. It is not a legitimate late payment because their site was down. They have notes on my file to back this claim. I want it off of my reports, all of them. It really hurt my score!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I entered an agreement with CapitalOne on my credit card ending in XXXX through its collection agent XXXX XXXX. Prior to a dismissed Chapter  XXXX bankruptcy, my account was in good standing. After the Chapter XXXX was dismissed, I tried to resume payments but was told the account had been charged-off. I agreed to a settlement of {$1500.00} making 6 payments of {$250.00} to satisfy the account. I was told I could call back and re-negotiate the agreement after a few successful payments. I called back on XX/XX/XXXX and ask to re-negotiate the agreement to {$1000.00} due to financial issues which was a direct result of COVID-19. I earn income as a XXXX XXXX XXXX  and a XXXX XXXX for XXXX ; as you are aware all institutions of education were impacted. I shared this information with XXXX XXXX ; at that time Capital One took over the account. I paid the {$1000.00} based on the re-negotiated request in XX/XX/XXXX. None of the payments made were reported to the Credit Bureaus. I spoke with the representative XXXX XXXX at XXXX on XX/XX/XXXX regarding this account and I was told again that the account is not longer with their offices - I would have to reach out to Capital One. I called Capital One at XXXX and spoke with XXXX, Agent # XXXX on XX/XX/XXXX. After discussing the issue with XXXX, he stated the XX/XX/XXXX agreement was no longer an option and the {$1000.00} settlement agreement was denied and I would have to enter into a new agreement based on the current balance of {$2500.00}. XXXX indicated he would have to speak with his superiors regarding an acceptable amount - I was told $ XXXX was required to satisfy the account. This is {$1100.00} over the initial agreement and it appears Capital One is trying to collect 2-3x more on the account as we all know the charge-off ( bad debt ) was transferred or sold to a collection agency for pennies on the dollar and then reinstated to collect from me again. Not to mention, Capital One filed this charge-off as a loss on its balance ledger to the IRS. This is causing an adverse effect with my federal employer and my clearance which is a requirement for my continued employment and an extreme hardship to my credit report. I have since been extended new opportunities from CapitalOne and all accounts are in good standing.
Product: Credit reporting or other personal consumer reports

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, XXXX, TransUnion ) XXXX the XXXX knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my XXXX? XXXX is clearly writing off debt with the IRS without XXXX out XXXX as required by the IRS for debts greater XXXX { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TransUnion are not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : Based on my banking records, the payment was made before the due date. I have attached my payment confirmation as evidence. 
Clerical Error : The account in question had no outstanding balance at the time of the reported late payment. Attached are statements showing that the account was in good standing. 
Inconsistent Reporting : The late payment was reported inconsistently across different credit bureaus. This indicates a discrepancy that needs to be corrected. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I signed up for an opening checking/savings bonus offer. To receive a {$100.00} bonus for the saving account, I was supposed to " Deposit a total of {$1000.00} or more in new money within 30 days of account opening, '' " Maintain a {$1000.00} minimum daily balance of {$1000.00} or more for 60 days, and " Set up monthly recurring auto transfers of {$25.00} or more from your Banner Bank checking account to your Banner Bank savings or money market account. '' I satisfied all these requirements including setting " up monthly recurring auto transfers of {$25.00} or more from your Banner Bank checking account to your Banner Bank savings or money market account. '' However, I am now told I am not eligible because I set up the monthly recurring transfer myself online instead of getting someone from the bank to do this for me. This is nonsensical and not in the terms. If I was required to go to someone from the bank to initiate the monthly recurring transfer, I certainly would have done so ; but it was not advertised in the offer so I never had the opportunity until it was too late.
Product: Credit card or prepaid card

In XX/XX/2018 I was sold a service called XXXX which I charged to my Synchrony Bank/Care Credit account. The service was sold as a facial improvement with no downtime, no recovery ( their advertisement is attached to this complaint ) The service was performed on XX/XX/ 2018. Immediately after the service I felt XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the way home from the service. The next day I woke up to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( photos are attached ). Long story short due to what happened I was unable to go to work for 2 weeks so I lost 2 weeks of wages over {$3300.00} gross wages to be exact. I immediately  contacted the merchant who did nothing to resolve the matter and blew off my complaint. At that point I went to Synchrony Bank who to date says they are investigating but expect me to make payments during the time it takes for them to investigate. I felt that was unfair and so I am filing the complaint. The merchant lied in the sales process in order to get a sale. I would have NEVER EVER done this if the merchant told the truth. I am asking for an adjustment for the lie. While the service was performed, there has been NO result and I lost 2 weeks of work in pain and looked absolutely horrible. I still have XXXX XXXX XXXX XXXX XXXX XXXX over XXXX months after the service.