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

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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. 

XXXXXXXX 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

Please contact me immediately for a hearing and delete any negative items off my credit report within 45 days of service
Product: Debt collection

I signed up for XXXX XXXX XXXX internet in XXXX. Agreement was if you cancel and return equipment in the first 30 days there would not be a charged. I cancelled and returned equipment in the 30 day time frame. They have sent me a debt collection through convergent outsourcing debt collection on XX/XX/XXXX. I attempted to contact XXXX customer service and the XXXX home internet department is impossible to get in contact with and they send you back to main menu when you do talk to someone. They are falsely billing me and using illegal tactics to try to make me pay money I do not owe. They have also been sending me bills for {$250.00} that I do not owe In the month of XXXX and XXXX. They are purposely making to where you can not contact them so they can bill me. I do not owe this debt and I disputed it online with convergent outsourcing and sent a dispute by mail on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a valid dispute with Equifax regarding a bankruptcy tradeline. On XXXX the investigation was complete but I was not notified and found out from looking at my credit report. When I went onto the Equifax site, where they indicated to view the report, it does not allow me to see it or even download it. My report indicated the dispute was validated by Equifax, which is not the furnisher and they indicated on their investigation process they contact the information furnisher. The furnisher is US Western District Bankruptcy Courts. When I contacted them, they advised they DO NOT valid or even report to the credit reporting agencies. This information leaves the investigation to be false and misleading. The law indicated they have to contact the furnisher, not anyone else. So if the information is court information as they state, where they obtain the information means they are using the courts to mislead the consumer and actually lying about any investigation of a dispute.
Product: Credit card or prepaid card

I received communication from a credit bureau that my account was closed. i had not received any notification from the credit card company. I called & was told it was closed for inactivity & that a letter had been mailed XX/XX/2019. i have not received any correspondence as of today XX/XX/19. I verified that my contact information was correct. The bank that has the credit account is XXXX XXXX, and I have had problems with them once before with a refund they owed me last fall on a different account ( which they finally sent, twice ... .the 2nd refund was returned ). 
What is the course of action when there is no notice?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, have 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft due to an XXXX credit breech. XXXX   credit services and transunion credit services continue to report these fruadulent accounts for monetary gains. They have been sent all the information needed including identy theft report, ID VERIFICATION, POLICE REPORT AND FRAUDULENT ACCOUNT information to permanently block these identity theft accounts from my credit according to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding a potential breach of privacy associated with my Cash App account. Recently, I encountered issues that have led me to question the security of my personal information. The nature of these concerns has prompted me to reflect on the overall security measures in place to protect users data, and I am genuinely worried about the possibility that my privacy may have been compromised. 

Given the importance of safeguarding sensitive personal data, I respectfully request that Cash App conduct a thorough investigation into this matter. I would greatly appreciate understanding the steps being taken to resolve this issue and any actions being implemented to strengthen security moving forward. As a user, it is essential for me to feel confident in the safety and confidentiality of my information. 

Thank you for your attention to this matter. I look forward to a timely and thoughtful response.
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 right to privacy and confidentiality under 15 u.s.c 1681.. 
Account Name ... ... XXXX XXXX  ... .. Account # XXXX Account Name ... XXXX XXXX ... Account # XXXX XXXX ... Account Name... .. XXXX XXXX XXXXXXXX ... ... Account # XXXX 
15 U.s.c 1681 section 602A. States I have the right to privacy.. 15 u.s.c. 1681 section 604 A. section 2 : IT also states a consumer reporting agency can not furnish an account without my written instructions ... 15 u.s.c 1681 c. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
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 XXXX XXXX XXXX. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Credit card

well fargo refused to show the debit i was in XXXX XXXX XXXX XXXXXXXX and they kept billing me and i ask for paperwork they refuse to help
Product: Debt collection

I received a letter from a collection company, Credit Corp Solutions, issued on XX/XX/2021 for a debt of {$1400.00} whose original creditor is XXXX. I am positive that I do not owe that debt since I never made any purchase on XXXX credit and don't even have any bank account/credit card on my XXXX profile. And the XXXX account number shown on the collection letter doesn't match mine either. 
Just to make sure, I contacted XXXX and was told that I do not owe anything. So I suspect this is a case of stolen identity and don't know what to do.
Product: Credit card or prepaid card

My sister passed away. I have a cc with the activation sticker still on it. Barclays is unresponsive. Whenever I reach a human, they say the account is open but they can not close the account and must transfer me to someone who can. I have been put on hold for 30 minutes on three separate occasions. Their complaint procedure found at   XXXX   XXXX   XXXX   says I may call  XXXX  and all I need are name and address, day time telephone number where we can contact you, and a clear description of your concern or problem. Calling this number does not permit me to follow the outlined process. It just puts me back into the same holding pattern for anoth er 30 m inute wait.
Product: Debt collection

Someone used my credit to open various accounts for credit cards including a XXXX store that sued me and is garnishing my wages.
Product: Credit card or prepaid card

I have a business VISA credit card with US Bank. For over 2 months, I have brought to US Bank 's attention that I am unable to pay my credit card statement balance using an external bank 's checking account. I receive technical errors when attempting to add the bank 's info stating that I have already added the bank account and it is ready to use. Unfortunate, that bank is NOT added and I can not use it. Therefore, I am being charged interest on my balance because I can not pay it. No one has ever offered a solution that worked. Nor has anyone set up auto pay for me, nor offered. No one has offered to take payment over the phone. I am only advised to " try this '' option online. Then it doesn't work, and I not only have a late fee but an interest charge. US Bank 's inability to process a payment and/or assist their customer 's with technical support is costing me, the consumer, money and MAKING them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, USDOE/XXXX, Dep ED/XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX  XXXX XXXX, XXXX  XXXX, XXXX  XXXX  reported that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers and names corrected on my report this is a violation of my consumer protection rights.
Product: Mortgage

This complaint is connected to complaint number XXXX that I previously submitted. 
After Bank of America told me I was not approved for a refinance, I requested an adverse action notice. I was told I needed to " formally '' apply and pay the credit report and appraisal fees totaling more than {$550.00}. The fees are not refundable. I do not understand why Bank of America would charge ( and KEEP ) an appraisal fee when the company has no intention of completing an appraisal. 

The conversations about this took place on XX/XX/XXXX at approximately XXXX E. T. I was told the conversation was recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items 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.
Product: Bank account or service

To whom this may concern, I am in a bit of a unique situation that has severely limited my access to financial services and I am writing this complaint in hopes that a solution can be reached. 

By way of background, here is the problem : I am currently located in XXXX but receive physical checks from my XXXX work. These physical checks are delivered to my US address, XXXX California, XXXX because international mail is both expensive and inconsistent. While I previously had these checks sent to directly to my XXXX bank account, my bank decided, for unknown reasons to close my bank account. As a result, I have been unable to cash about 6 months worth of checks and have been having significant financial troubles. While I could resolve this situation by traveling back to the US and opening up another bank account I am prohibited from doing so because of the associated cost. Despite having over XXXX XXXX dollars in soon-to-be stale checks in the US, I am unable to access any of the monies from those checks. 

I am writing this complaint in hopes that Wells Fargo will provide me with a detailed response on how I can get those checks cashed and gain access to the monies. Thus far I have tried : 1. ) Giving my mother, who is receiving the checks at my former US address, a Durable Power Of Attorney. The bank refused to honor this Power Of Attorney despite it being fully signed and executed. The bank states that I must have the Power Of Attorney notarized, however, XXXX is not a signatory to the Hague Convention and thus is not allowed to do international notarization. At the same time, the XXXX XXXX provides notarization services but traveling to and from the XXXX XXXX and paying the notarization fee is beyond my financial means. 
2. ) Other means such as sending the checks to XXXX, signing the checks, then sending them back to the US and then having my mother deposit the now endorsed check. It works but because of the shipping times involved, some of the checks become stale dated and expired, thus limiting my ability to gain access to my funds. On top of this, the additional shipping costs are unreasonable for small dollar checks. 

In review of the California Statutes regarding notarization as listed here : XXXX, I would like to inquire if the bank with allow a signed power of attorney with two witness signatures, in accord with Section XXXX. Please promptly advise and I will have a Power Of Attorney signed with two signatures made available to the bank for review. 

Finally, in review of the CFPB guidance regarding POAs and similar options listed here : XXXX and XXXX, I would like the bank to explain if there is any other method, option, or service that could allow me, or a family member acting on my behalf to cash the checks. 

You may call me at XXXX or contact me directly at XXXX Sincerely Yours , XXXX
Product: Debt collection

On XX/XX/2024, the creditor sent two separate emails to my parents, providing them all information about my debt, including amounts owed. I never provided them with these emails as being okay to contact. 

My parents now know very personal information about my debt history and it has caused extreme interpersonal and family problems due to this, all because of the credit collector recklessly giving them this information without my permission.
Product: Debt collection

I recently reviewed a copy of my credit report and have noticed fraudulent accounts on my report. Please remove these accounts immediately, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a derogatory mark on my credit report by Midwest recovery systems. For XXXX dollars. I have never heard of this and it dropped my credit by 40 points!!
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 : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX AUTO # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that I did not authorize and are unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2022 XXXX XXXXXX/XX/2022
Product: Credit card or prepaid card

There have been multiple unauthorized payments made from my XXXX XXXX   checking account to Citibank using fraudulent credit cards that are not associated with me. According to XXXX customer service representatives, the XX/XX/XXXX {$26.00} returned item fee was generated due to an unauthorized Citibank credit card trying to make a fraudulent {$11000.00} payment.

XX/XX/XXXX FEE - RETURNED ITEM - {$26.00} XX/XX/XXXX CITI PAYMENT PAYMENT XXXX - {$2000.00} XX/XX/XXXX CITI PAYMENT RETRY PYMT XXXX - {$11000.00} Since I have four Citi Credit Cards and they all have been setup to do autopayment by my XXXX XXXX 's checking account, I checked all these credit card accounts and none of them had these amount of transactions. It seems that this criminal was issued a Citibank credit card by Citibank and stole my checking account number from Citibank database or Citibank leaks my checking account information to this criminal. I called Citi Credit Cards Customer Service multiple times ( XX/XX/XXXX- XX/XX/XXXX ) to find out which Citibank Credit Card/Account illegally using my XXXX XXXX 's checking number to pay for this criminal 's account. So that this criminal could be caught and stop to perform illegal activities again, but Citibank Customer Service and Fraud Investigation Department failed to make effort to identify this criminal 's account and let these fraud transactions happen again and again.

A similar case happened on XX/XX/XXXX with an unknown XXXX Credit Card to withdraw {$5200.00} from my same checking account, I called XXXX XXXX customer service and they identify that criminal account with couple of phone calls, then my {$5200.00} was refunded.
Product: Money transfer, virtual currency, or money service

The company is cash app they freeze my account with out contacting me letting me know anything they fail to ask for Verifiable ID an to respond to either of my emails I been contacting them for 4 weeks now an they fail to communicate back if some can kindly contact me at XXXX or XXXX XXXX