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

There's no such thing as a late payment Because the account was paid in full the moment my credit card was accepted ( 15 USC 1602L ). 
The following account XXXX - XXXX is an authorization of approval of an extension of credit that is deprived from my credit card which is my social security card and has to be removed according to federal law. 
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b 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. 
I NEVER gave You, EXPERIAN OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. EXPERIAN has caused severe stress and anxiety due to the abusive and unfair practices. 
The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Checking or savings account

ONLINE PUPPY SCAM STILL UP & RUNNING : XXXX robbed me of two bank transactions. One for {$950.00} through my XXXX XXXX XXXX and XXXX XXXX  in XXXX XXXX, IL XXXX Account XXXX Transaction ID XXXX and another for {$610.00} XXXX Transaction ID XXXX to a XXXX XXXX XXXX XXXX Account email XXXX I have over 90 emails between him and I with fake shipping receipts from ( check it out ) XXXX in which I was given the Tracking # XXXX telling me my puppy as at the airport and asking for more money, and I also have my telephone logs, etc. The Online Puppy Scammer 's bank account is with : FIRST FINANCIAL BANK, XXXX XXXX XXXX, XXXX, IN XXXX telephone XXXX I WANT MY MONEY BACK. I AM A XXXX XXXX ROBBED OF AN EMOTIONAL SUPPORT ANIMAL DURING THIS PANDEMIC. THERE GOES MY STIMULUS PAYMENT! HELP, PLEASE!
Product: Payday loan, title loan, or personal loan

On XXXX XXXX received alert from XXXX XXXX of new account. After I noticed a drop in credit score I was looking for the account. The account was speedy cash an was started in XX/XX/2021. I never applied for loan or received funds. After I put freeze on my credit I contacted speedy cash. They told me a loan was taken but banking account was different. The banking information didn't match I made them aware of my bank of 14 years. They advised me to file a report with my local police. I went to my local police. They informed me I need to file a report with FTC they don't create report for identity theft. I inform speedy cash they sent me affidavit to get notarized.
Product: Money transfer, virtual currency, or money service

Our business submitted a wire transfer from Bank of America in United States to XXXX XXXXXXXX in XXXX. The receiver states that his bank never received the money. It was USD {$5300.00}. Bank of America has sent several messages to XXXX XXXXXXXX requesting the return of funds but XXXX XXXXXXXX is not responding. Bank of America also sent a trace and XXXX XXXXXXXX is still not responding. We paid this vendor through XXXX XXXX after the money did not get to them in time so that we could receive our product on time so we have double paid at this point. We really need to receive our money back. Please help!
Product: Mortgage

I called to ask about opening my LOC up from being frozen. I have been making payments on time for XXXX months. I was told an underwriter would need to review and I would hear back in XXXX days. I have not heard or seen any communication and the LOC is still frozen. This is consistent poor behavior from BOA and there is no information on my online profile what status my loan is in. 

Every time I call in i get bounced around and no one has the right information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on this account is wrong and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that the accounts were erroneous The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$240000.00} XXXX XXXX XXXX Balance : {$3300.00}
Product: Vehicle loan or lease

On XX/XX/XXXX I received a letter from Kia informing me that I had an outstanding balance of {$2600.00}. I have never missed a payment and have a copy of my payment history showing that I had not missed a single month. I made a phone call and spoke to a CSR Ms XXXX, who told me that she would have the finance department look into the account and would contact me. Since then I have not heard anything, but when I checked the website the " debt '' had been removed. Today when I went to make a payment, it shows no payment is due. The payments are due on the XXXX of each month. I went ahead and made a payment even though the balance said " XXXX ''. 

This is not the first time I have had a problem with Kia Finance. Two years ago I was making payment on my XXXX XXXX XXXX. The payments were being transferred to the account for my XXXX XXXX XXXX which I had sold back to the dealership. I got this corrected after several phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX  opened XX/XX/XXXX for {$630.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$930.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Money transfer, virtual currency, or money service

I used the platform XXXX to send {$40.00} to a user named XXXX XXXX with the confirmation number being # XXXX on Bank of America. This was used for Goods and Services from XXXX, and her user is XXXX and her name is XXXX XXXX XXXX She told me she would provide a tracking number within 24 hours on Friday, XX/XX/XXXX and did not. I re-asked her Sunday, XX/XX/XXXX and then she said she would that day. She did not, and after I asked her today XX/XX/XXXX, I was blocked and removed with no return of my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is furnishing reports breaking federal law pursuant to 15 U.S. Code 1666b - Timing of payments ( 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. 
Reports made by furnisher is illegal and should not be on my credit report of account number XXXX.
Product: Credit reporting or other personal consumer reports

This is my refilling of my complaint to EXPERIAN for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC reports with report number XXXX and XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as Experian. these accounts are with DEPARTMENT OF EDUCATION XXXX XXXX, LOAN SERVICER. this is willful defamation. FCRA Part ( A ) ( XXXX ) ( B ) ( XXXX ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, .DEPT OF EDUCATION 'S XXXX XXXX which is ( still reporting )?, Experian has held an investigation longer then 30 days and with willful intentions to keep reporting another FDCPA violation liable for damages. I have peacefully notified all arrived with proof of claim and statement, and have defaulted XXXX XXXX, with a Notice of Default via mail XXXX XXXX. I have not authorized any reporting or information nor should the information be reporting on my reporting due the primary nature of this investigation and complaints of not have any written instructions or " permissible purpose " pursuant to 15 US code 1681 B, also 15 USC 1692, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character. Not to mention the XXXX XXXX action suit filed XX/XX/2021 due to predatory lending.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

XXXX : XXXX XXXXXXXX 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 XXXXXX/XX/year>
Product: Mortgage

In XXXX XXXX Bank filed a foreclosure notice to take my house as I went into default due to unemployment. After a number of attempts to short sell it & a job relocation, I had no choice but to file for bankruptcy in XX/XX/XXXX. In XX/XX/XXXX I was notified that Bayview Financial had bought the loan. Bayview has been sending me debt collection notices almost daily ( see attached ) and has called numerous times to " collect a debt. '' I have called them twice ( XX/XX/XXXX & XX/XX/XXXX ) to explain to them that the debt was discharged with my bankruptcy 2 years ago. The first time, XXXX informed me that I was still responsible for the debt despite the bankruptcy. The second time a friendlier woman told me that they had no record of my bankruptcy. This is beyond my comprehension as they clearly have information on every other aspect of my life. 

In the meantime, while I thought foreclosure was imminent & I would finally be able to rebuild my financial health, four years after the initial foreclosure filing the process now begins all over again. I have n't set foot in the house since XXXX. I 'm XXXX & apparently I will have this toxic asset on my credit report until I die.
Product: Credit reporting, credit repair services, or other personal consumer reports

USBANK needs to provide me under 15 USC 1602g who authorized the use and permissible purposes as the original creditor to use my information to report this negative account under my name? Otherwise the account reporting needs to be block and deleted from all credit reporting agencies immediately.
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. 

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  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 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. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPs tindings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Received a recent email from EXPERIAN advising that my FICO /EXPERIAN credit my been dramatically reduced by them.

I spent over a half- day on the phone with requesting an explanation for this action. 
They refused to provide me with an answer to my question. 
Instead they hung up the phone on me!!!! 
All I'm asking is for a simple reason why my XXXX credit score was tossed into toilet by them ... ... ... ..a specific reason why and NOT a canned answer. 
Something caused EXPERIAN to clobber and destroy my credit ( score ) and I would appreciate the courtesy of a legitimate, valid answer. 

They REFUSE to give me one.
Product: Credit card or prepaid card

This is a dispute in reference to two separate card accounts. These cards were shut down by Barclays for reasons that were never given to me on XXXX While the accounts were locked, I was told very explicitly by an agent over the phone that the only way for me to pay was via mailed check. My online account was locked so I could not make payments, and I was told explicitly that no external or phone payments would be processed. Additionally, I was told explicitly by the phone agent that if the payments were post-stamped by the due date, I would not be charged any interest or late fees. I mailed all the payments to these cards on time, but I was charged late fees and interest regardless, and due to Barclays incredibly slow processing of payments and XXXX century IT systems, it took extra weeks for the payments to be processed after they arrived, during which time they accrued additional interest. 

Therefore, I am owed {$150.00} of erroneously charged late fees and interest from Card 1, and {$56.00} of erroneously charged late fees and interest from Card 2. 
I am also owed refunds of the annual fees from these cards, since one of them was shut down ~9 months after opening, and the other ~1 month from opening. These amount to {$95.00} from each card.
Product: Debt collection

Hello, Ive had a credit card with Target for a few years now. Ive always paid my amount on time all the never missed a payment until recently starting in maybe XXXX or XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Because of this sickness causing me not to work I wasnt able to pay my bill anymore. Ive tried contacting and figuring out a way to resolve this but I never hear back and now Im getting a debt collection. Its not fair.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

From XXXX 2011 to present, all 3 major credit bureaus reported an extended late payment history on my account ( XXXX ) by the creditor/student loan provider, XXXX XXXX or XXXX  XXXX XXXX XXXX XXXX Assistance XXXX. The creditor also appears as " XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' on other reports. 

After receiving official documentation from XXXX XXXX stating that my account was inaccurately reported as late and that the account is now closed after being paid in full they still remain as active negative items on all three of my credit reports. 

Numerous letters, disputes, and phone calls have been made to the three major credit bureaus regarding this matter and yet none have helped remedy the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this XXXX XXXX XXXX XXXX account with ChexSystems because it is not my account. ChexSystems responded with " proof '' that it was my account, which DIDN'T HAVE ANY OF MY INFORMATION ON IT OR INFORMATION THAT I RECOGNIZED. It showed a business with a completely different address in a state 2000 miles away from me. When I disputed it again, ChexSystems responded claiming that my dispute is " considered frivolous ''. REMOVE THIS FRAUDULENT INFORMATION FROM MY CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2021, XXXX XXXX  and its mortgage team requested a second credit report from a third-party. We were told on the second credit check my spouse had missing information and XXXX XXXX  blamed the credit reporting agencies.m and told me my spouse did not enough credit history. Of course, pretext is possible since my spouse had the better score during the pre qualification stage. The credit score in the first credit check displayed XXXX approximately for her score. 

After many conversations, XXXX XXXX and its mortgage team reiterated the credit reporting companies are responsible for their errors. However, XXXX XXXX  and its mortgage team also stated multiple times my spouse no longer had a reportable credit score because she lacks credit history. Both statements are mutually exclusive. To muddy the waters even more, XXXX and company stated there is no regulation requiring a settled fixed loan to stay on a credit report ; additionally, XXXX was under no obligation to move foreword with closing the loan because there were no written policies addressing issues similarly related to records retention. Instead, we were denied our first loan application because my spouses XXXX XXXX discrepancy ( pretext ). After our inquiry, we were discriminated against, including : ignoring our attempt to define policies for records retention related to settled debts; dragging feet when asked to provide answers ; misleading statements about having to go through the credit reporting agencies ; dishonesty and self-serving behaviors ; and retaliating against us when I alleged discrimination against women and for my request for an investigation into possible violations and/or self-serving behaviors. 

XXXX et al. has successfully misdirected the CFPB and myself to accept responsibility for self-serving behaviors and lying about or not creating records retention policies for loans. Ultimately, we are stuck with higher payments and a higher interest rate by more than XXXX points or 0.2 % ; I was forced out of the company for filing a complaint and questioning company practices ; and my personal information was shared with my local branch manager. What can I do? 

Thank you.
Product: Credit reporting or other personal consumer reports

YOU HAVE NO MORE TIME TO FIX THE ISSUE : XXXX XXXX XXXX  Delete the account. OR provide me with the 1099, point of contact and how they verified the information even though it's not the same on all reports and how doing that can be considered accurate, as well as a notarized letter stating the CEO/CFO is aware of the issue and the debt is NOT already paid, been in collections, a tax write off or in que to be, and a pay to delete is not and has not been an option even though I should had been told it was. 

Law 15 usc 1681 Treatment of inaccurate/verifable info 5A : 3a.Factual dispute : date of last activity, factual dispute : pmt Factual disputes inaccuracies : 1 reaging the account is illegal ( you did that ) 2 Misrepresentation of the account status ( Not unanimous ) 3 Not reflecting a 0 after sold/trans/paid ( its a charge off ) 4 Inconsistent balance across 3 bueros 5 DAte of first delquincy illegally changed ( switched when updated after I reported the account then changed back after it was " verified '' ) 6 Changes after 180 days charge off status ( you are still showing it as CO but there should be 0 updates on a closed account let alone a Charged off account.

This has took more than 30 days and I have the right to get it removed.

Attached is certifed mail from the company not responding to my request and you guys allowing it.

Another violation : THE DOCTRINE ENGELHARDT ( MO ) 281 SW 715./13.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT.

send gifOMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION PROORT Y IFORMAAIPMPER 15 USC 160468
Product: Credit reporting

Credit report shows XXXX different social security number under my report in personal information section. I disputed different social security number shows up in my report but credit reporting company said they can not remove it because that information is coming from the lender. And because it is XXXX digit different they were thinking some of lender 's operator made a simple mistake during their input process so considered it as minor, but It is not minor problem to me. I am an XXXX military XXXX and during my background investigation they found XXXX different social security numbers and the government is considering me as some type of cheater or dishonest personnel and possibly losing my career with this silly mistake someone made.