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

I spoke with XXXX in XXXX and XX/XX/ 2018 about removing the 30 day late. After a conversation with the woman she agreed to remove the 30 day late. I noticed in XXXX this still was not removed and reached out to XXXX. they said they had assured me it was removed and to wait for the credit buruea department to update. Following up in XXXX I wrote a letter to have the said item removed. I just received a response stating that the item is accurate despite numerous conversations with them stating they had it removed from the credit bureau. Please help!
Product: Credit card or prepaid card

I contacted my credit card company to dispute 2 items on my XXXX statement. I went on a XXXX cruise and made these purchases, but the items were defective, I did not discover this until I returned home. I was told I had a lifetime warranty with the device, but I was not told by the merchant that I had only three days to register and that all sales were final, these detail were conveniently left  out. Since I was on a cruise ship, and I did not open the packages to see the registration card until I returned home, I was unaware about the registration deadline and did not see the small print disclosure on the receipt. It also stated I had 14 days to return or exchange the items. At this point, I filed the dispute since the items did not work properly, returned the items ( insured ) back to the merchant. I received the package back unopened " refused '' and ultimately in the end, KeyBank XXXX denied my claim strictly because of what was printed on the receipt, " all sales final ''. I tried to reason with my bank and explain the extenuating circumstances - my concern that other potential customers may be scammed as I was ( almost {$2000.00} loss ). They told me to file a claim with my attorney general 's office and apologized, that there was nothing else they could do to assist me since they were following policy. I found this unacceptable, and I am sincerely hoping someone will assist me with my appeal to XXXX. It is difficult for me to accept that a merchant ( Forever Flawless ) can sell faulty new merchandise and put whatever they want on a receipt and just get away with it. Consumers should have some rights and be protected against scammers. This was not a $ XXXX {$10.00} item which I can just write off, this total cost was almost {$2000.00}!
Product: Debt collection

XXXX telephone company over charge me I told them I didn't want the internet service anymore and to come at there equipment I had unlimited data and they charge me XXXX dollars for one month they sold the account to a collection agency called XXXX XXXX XXXX I tried to explain and they want the same amount I don't owe them nothing we never had a sign contract so they report it to my credit I never received a letter say that they have sent it to collection agency
Product: Credit reporting or other personal consumer reports

Dear CFPB, I have found an account called XXXX under my name that is fraudulent. The company XXXX, notified me about this fraudulent account and confirmed it in an email, which I have attached for your reference. Additionally, they have verbally informed me that they have requested the credit bureaus to remove the late payment associated with this f fraudulent account. 

XXXX XXXX XXXX  Reported XXXX XXXX XXXX, XXXX I requested numerous times from Experian to correct it, enclosed are the documents sent. 

Despite these actions, the negative mark remains on my report, causing major damage to my credit. I urgently request that you take immediate steps to ensure that the credit bureaus either remove the late payment or remove the full account from my credit report. 

Your prompt attention to this matter is greatly appreciated. 

Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone Number ( XXXX ) XXXX Regarding : Original Creditor : Capital one Account Number : XXXX Balance : {$1400.00} XXXX accounts NOTICE FORMAL REQUEST FOR VALIDATION OF ALLEGED DEBT Dear : Capital One Bank This is notice of my formal request for validation of debt in accordance with the fair debt collection practices act pursuant to 15 USC 1692g. I have noticed that your company has put this alleged account on my credit report with no prior written notice giving me an opportunity to formally dispute this account. This is a direct violation of my consumer rights. I dispute any validity of this account and demand that that this account be removed immediately from all credit reports. 
I am not aware of any contract creating an obligation or indebtedness to Capital one Bank and therefore am not liable to repay your company any money for this alleged debt. So that I XXXX further assist you I am requesting that you validate the debt. Validation differs from verification whereas I am challenging the authenticity of the alleged that you are attempting to collect please provide me with a true copy of XXXX. The authenticated contract or note with the signatures and next thereto. 
XXXX. The accounting and general ledger statements showing the full accounting of the alleged death that you are now attempting to collect. 
XXXX. The name and address all persons, corporations, associations, or any other party having an interest in legal proceedings regarding the alleged debt XXXX. XXXX under penalty of perjury that as a debt collector you have not purchase evidence of the debt and you are proceeding with collection activity in the name of the original maker of the note. 
XXXX. XXXX from the stated creditor that you are authorized to act for them. 
In accordance with the fair debt collection practices act person went to 15 USC 1692f, the collection of any amount ( including any interest fee charge or expense incidental to the principal obligation ), unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
NOTICE OF DISPUTE I am disputing any interest regarding the above account whereas I believe the correct balance owed is XXXX. Please update the record with XXXX XXXX and XXXX XXXX notifying them that interest portion of the alleged it is in dispute. If you are unable to validate the information within 30 days the account must be deleted. The debt is considered to be invalid until I receive the contract requested at the address provided above. 
If the above is not done within 30 days from receipt of this letter, you will be sued and liable in federal court for violations pursuant to the FDCPA and punitive damages for harming my XXXX XXXX and wasting my time addressing this frivolous alleged debt Please not a bank statement is not a legal written contract. please send the accounting for the debt contracts wet signature or deleted and remove the information from credit reports..Thank you
Product: Credit reporting or other personal consumer reports

XXXX asked all XXXX credit bureaus to all inquiries from my credit report because I did not give any written authorization for any company to run my credit report list above. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have a right to privacy under the FCRA Law.
Product: Credit reporting or other personal consumer reports

Good XXXX, I looked at my credit report back on XX/XX/year> and realized that some things were incomplete and not accurate. I sent a letter asking them to reinvestigate these accounts below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I bought my home in 2004 with Wells Fargo Home Mortgage services. The Wells Fargo loan agent refused to let me finance the mortgage as one complete 30 year mortgage and manipulated the closing process such that on closing day I was faced with either accepting an " Equity Line '' to finance half of the home or the closing could not proceed at all. I told the agent that I did not want, nor need an equity line to purchase the house but the agent was adamant that the Equity Line would not cost any more than a normal 30 year mortgage at the average rates XX/XX/2004. I was told that I could not buy the house any other way.
Product: Debt collection

HeyThis is an important message for XXXX XXXX. If you are not this person, please disregard and delete it. 
Email not displaying correctly? 
Skip to our message. 
Pay 50 % less than your full balance! 
Hello XXXX, We are TrueAccord, a third party debt collection agency that is working on behalf of XXXX XXXX XXXX XXXX ( current creditor of your original XXXX XXXX account ) to collect on a balance of {$300.00}. 

Our approach is to make the debt collection experience better for the customer by offering self-serve options online. We're even offering you a discount of {$150.00}! 

You can review the details of this balance below. 


View Your Options Here are the details : Current creditor : XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX account ending in : XXXX Balance at Placement : {$300.00} Reduced Amount : - {$150.00} Total You Will Pay If You Accept This Offer : {$150.00} We are not obligated to extend or renew this offer. Nothing in this offer changes your rights as described in our initial email. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Nothing in this email changes your rights as described in our initial communication. 

Please read below for important disclosures. 


Copyright 2021 TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : M-F, XXXX XXXX  - XXXX XXXX  ET XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX TrueAccord account number is : XXXX Click here for more information about your balance Not ready to pay? Get help managing your debt. 
Unsubscribe Dispute this debt Privacy Policy Log in to your account The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX XXXXXXXX can not sue you for it. In some states making a partial payment may revive XXXX XXXXXXXX XXXX XXXXXXXX 's ability to sue to collect the remaining balance. 

This was originally an account with XXXX XXXX , account number ending in XXXX
Product: Credit card

I have automatic payment setup for Bank of America ( XXXX  XXXX ) credit card and I pay the balance due every month. 

Balance Due {$7800.00} XX/XX/XXXX  Payments and Other Credits- {$9700.00} XX/XX/XXXX  including automatic payment to Bank of America {$7800.00} XX/XX/. 

Overcharged {$1800.00} that represent credits received on the account on XX/XX/XXXX  and prior. 

Bank of American is getting a free loan in the amount of {$1800.00}. 
I called and was informed that credits are not counted against the balance due. 

All my other credit card accounts do not overcharge but correct the automatic payment amount for the credits to the account prior to due date.
Product: Money transfer, virtual currency, or money service

The federal violation conducted pertains to the Consumer Protection Act whereas SquareXXXX failed To protect consumers from unfair or deceitful actions made against me by its merchant, XXXX XXXX. Also, my consumer protection was violated in the state of Texas in which a consumer complaint was filed. 

The merchant offered store credit for its consumers via website and refused to honor that for me. So as of today it has my products as well as charged me for the products. 
Prior to reaching out to you directly, I have taken multiple attempts with disputing this matter with my bank XXXX and the merchant lied and indicated that I have my products which I don't. 

Before I seek legal guidance from a consumer attorney and escalated this matter to the following entities CFPB, XXXX  and Texas Attorney General, I believe that its important for the entities to know the lack of accountability SquareXXXXXXXX has taken regarding my matter and not being careful as to know how merchants refuse to work with its customers after being suggested. SquareXXXX should have understood as a brand consumers are helping small businesses and corporations during these times of the pandemic and for consumers not to be ripped off with falsified policies. 

Also, SquareXXXX should acknowledge that the merchant should be held responsible for its Liability for Chargebacks especially after disputing with my institution. 

I attached the following images to support my dispute which shows the merchant having my products via tracking number, a screenshot of her website with the verbiage of " store credit only '', screenshots of her threatening me on social media, etc. 

Since then, I have reported this behavior as consumer fraud and theft to FTC as well Report # XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX SECTION XXXX A.STATES I HAVE THE RIGHT TO PRIVACY. 
XXXX XXXX XXXX SECTION XXXX A SECTION XXXX : 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

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 Ive been asking the company to provide accurate documentation because I am not associated with the address on their documentation and I never lived there and thats not my signature what do ever so please update my credit reports please and thank you so kindly
Product: Bank account or service

XX/XX/XXXX-went to Bank of America ( XXXX XXXX branch, CA ) closed checking acct. But XXXX XXXX ( BOA ) closed both my saving and checking without permission. 
XX/XX/XXXX-Went to BOA ( XXXX ) who said that my saving ( XXXX ) has been closed. Staff said if I did not open a " new '' saving account today. All money remaining in saving will be gone permanently XX/XX/XXXX-Went to BOA ( XXXX XXXX ) and realized XXXX has been terminated due to received several complaints from customer XX/XX/XXXX. Talked to acting branch manager, after filled out paperwork, she promised she will recover my saving acct by next Tuesday. I also shown that my credit score has been dropped off XXXX point from XX/XX/XXXX to XX/XX/XXXX, because of closing this old saving account ( opened XXXX ) XX/XX/XXXX-Went to BOA ( XXXX XXXX ) and teller told me saving account has been recovery, all money from new saving has transfer back to saving before closed this account XX/XX/XXXX- After deposited money to BOA ( XXXX XXXX ), I realized they put money to new saving account. Staff told me it is the only account I have. That means BOA ( XXXX XXXX ) lie on me by never recover saving account
Product: Checking or savings account

I ordered some items from target that I did not receive I reached out to them and they refunded those items to me via XXXX because I paid using my XXXX thats connected to my bank debit card. On XXXX side they say they refunded the full amount but when I check my bank I was still charged the wrong amount. 
The original amount I was charged was XXXX on XX/XX/year>. XXXX initiated XXXX separate transactional refunds. XXXX in the amount of {$34.00} and the other in the amount of XXXX cents so in total a refund of {$53.00} cents should have been the total amount refunded out of the charge {$67.00} It appears that only XXXX of those refunds actually went through on my checking account so Id like for it to be adjusted to receive what I was supposed to.
Product: Vehicle loan or lease

Mailing Address Correction For Case #: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS FALSLY REPORTING AN ACCOUNT FROM XXXX SUPPOSEDLY FOR XXXX XXXX IN THE AMOUNT OF {$550.00} DOLLARS SO I AM REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCRA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON, TO MAKE SURE THAT YOU ARE NOT REAGING SOMETHING ELSE. I AM ON XXXX AND MY INCOME IS FEDERALLY PROTECTED.
Product: Credit reporting or other personal consumer reports

Request for compliance - 15 U.S. Code 1681i -- -- - I am filing this complaint against Experian due to their continued failure to correct inaccurate and unverifiable information on my credit report, despite multiple disputes and formal notifications. This persistent noncompliance has caused significant harm to my creditworthiness and financial opportunities, including missed opportunities and higher costs of credit. Additionally, I have suffered emotional distress due to the ongoing inaccuracies and lack of resolution.

My concerns about Experians failure to properly investigate disputes were further amplified when I became aware of recent lawsuits filed against the company for similar violations. These legal actions underscore Experians systemic failure to comply with the Fair Credit Reporting Act ( FCRA ) and its obligations to ensure accurate reporting and thorough investigations. The parallels between these cases and my experience highlight a troubling pattern of negligence and noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quite unsure why i have loans open under my name for a vehicle that i did not purchase
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this item 2 twice once back in XXXX a second time in XXXX with XXXX  XXXX/Bank CC 'd, Equifax claims that the item is legit ... ... However I also directly emailed XXXX  XXXX  on XX/XX/XXXX of this year. I received a letter in the mail stating the item will be removed, which indicates Equifax DID NOT verify the item with the furnisher. ( See attached. ) The hard inquiry from XX/XX/2020 SHOULD BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company that had my debt for XXXX is EOS CCA. I paid the amount of {$1100.00} on XX/XX/2018. When I paid the amount agreed upon. I asked the representative if the account would be removed from my credit report and was told yes by the representative. It has been 150 days and they have not removed the account from XXXX XXXX or XXXX. I called EOS CCA on Friday XX/XX/2018 and again on Wednesday XX/XX/2018 to resolve this. I was told that they would not remove it, and I informed them that they werent in compliance with the fair consumer reporting act. I then notified them that I would be reporting them to the consumer commission.
Product: Debt collection

Portfolio recovery and associates currently reports misleading, Unverifiable, inaccurate information on the 3 major credit reporting agencies without full validation of debt. This is a violation of the fair debt collection practices act section 809b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with transunion, XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Debt collection

Over a period of months they've contacted my neighbors, my siblings, my sister-in-law 's parents, and engaged in harassing phone calls when they know how to reach one of my parents and myself. The purpose is harassment. Having learned the nature and background of this loan service provider who bought my loan supposedly from XXXX XXXX, I refuse to deal with them. They've repeatedly violated federal and state Fair Debt Collection Practices, and engaged in profane, abusive and harassing patterns of conduct. I do NOT trust their reputation given their proclivity for fraud to enter or sustain any contractual relationship with them nor repay loans with them as the student loan service provider of record, and I request injunctive relief from the U.S. federal government, including but NOT limited to forcing their resell of my student loan to another service provider. 

I would prefer to have my loan resold to another loan service provider. I will NOT voluntarily enter into a contractual refinancing of my student loan with Navient given their reputation and the present allegations made against them by the CFPB and the Attorney Generals of several states from Pennsylvania to Washington State.
Product: Credit reporting or other personal consumer reports

Dear XXXX I pulled a copy of my credit report and noticed some inquiries that are fraudulent I have attached a copy of my FTC report and my Drivers license and social security card. Please remove the following inquiries : XXXX XXXX, Citibank XXXX Sincerely XXXX XXXX