23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was hanging out with my girlfriend and I check my account and there where 2 checks XXXX and XXXX and I had no clue what they where. The XXXX one got approved by the bank and the money was put into my account However the XXXX one didn't cause I called in and reported them. Then they did there thing and said it came up false and then the other one said I was fine and there was no charges to me and they resolved it. Then I had an old friend phone number after say they hacked my bank and the name was XXXX. I was super confused cause it was specific. I went to the branch and they said the same thing it was my fault or something cause of the 2 {$1000.00} XXXX payments and that happened when THEY allowed a XXXX check that was fake go into my account. It was no longer pending and was a really check according to whoever looked at it. Then I seen it and it wasn't even my signature. So they let a check that wasn't my signature in and they still said they couldn't do anything and I had to pay for it all. This was weird because someone hacked into my account and put fraudulent checks that I called in about and sent money off after 1 check got approved. Then I called in and reported all this and then they did nothing about there mess up.
Product: Credit reporting or other personal consumer reports

I am reporting an instance of credit fraud that is negatively impacting my ability to purchase a home. Unauthorized accounts have been opened in my name without my consent, resulting in a lower XXXX XXXX and subsequent mortgage application denials. I have notified the credit reporting agencies and taken steps, such as filing fraud alerts and reporting the issue to law enforcement. This situation is causing significant stress and hindering my home-buying process, and I am seeking guidance on how to resolve the fraudulent activity and protect my identity moving forward.
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. 
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 
THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Checking or savings account

Bank of America complete disregard and negative impact of their negligence
Product: Credit reporting, credit repair services, or other personal consumer reports

I have A few hard inquiries that need to be remove due the fact this companies could never verify this hard inquiries belongs to my person or were made by me .....
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt or credit management

Dear CFPB, Member ID : XXXX Experian is reporting invalidated information on my credit report which is against the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2. Furthermore, despite multiple attempts to resolve this issue directly with Experian, I have not received a satisfactory response. Additionally, Experian has prevented me from disputing items on my credit report, which violates my rights under the FCRA, specifically 15 U.S.C. 1681i. I am aware of my rights stating that it is a violation of federal and Florida state law to report false information on a consumer or to maintain information without the consent of the concerned party. 

Therefore, I am requesting that Experian substantiate the claims made under XXXX XXXX in order to properly verify its accuracy. The following can be substantiated by submitting the following pieces of information : * Proof of the existence of the alleged account and/or contract in the actual name of XXXX XXXX XXXX duly signed by both parties. 
* Proof that the agency listed for the claim ( XXXX  ) is the current holder of the original note of the alleged debt and that it has never been sold to another party. 
* A true certified copy of the actual accounting showing that Affirm incurred a loss on the alleged debt in accordance with Generally Accepted Accounting Principles ( GAAP ) and the Internal Revenue Service. 
* Proof that I, XXXX XXXX, gave consent or permission for Experian to share my private transactions, as required under 15 U.S.C. 1666b. 

Should the claimants or Experian fail to provide credible evidence as prescribed within this document, I, the Agent for XXXX XXXX, request that Experian delete the following accounts from my credit report immediately and forward the results to me at the above-mentioned postal address : XXXX ( XXXX, XXXX, XXXX ) XXXX : XXXX If Experian fails to make any reasonable procedures to resolve this matter and delete aforementioned accounts from my credit file or provides any frivolous responses, Experian will be held criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also follow up with an invoice for said violations ( {$10000.00} ] per violation ). 

Sincerely, XXXX XXXX Agent/Beneficiary
Product: Credit reporting or other personal consumer reports

I noticed that my credit report changed last year and was distressed as I have good credit. I logged in to see my credit report and noticed XXXX Department of Education on my credit. I called to dispute and the loan was taken out AFTER I graduated. I utilized my GI Bill and cash for college. I never took out a loan. I have my taxes to prove this. When I disputed with the credit agency, someone paid down the balance and the credit Union said I could not dispute unless it was negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

I'M NOT SURE OF THE EXACT DATE BUT IT WILL SHOW ON MY CREDIT REPORTING FILE. I'VE SENT MANY LETTERS TO THE COMPANIES AND THE CREDIT AGENCIES, NOTHING CHANGES. 
I am writing to formally dispute the accuracy of certain negative items on my credit report. It has come to my attention that these items are not only impacting my credit score significantly but are also reported in violation of federal law. 

Specifically, I am referring to the late payment reported on XXXXXXXX XXXX  account numbers XXXX, XXXX, and XXXX. Also XXXX XXXX accounts XXXX, XXXXXXXX XXXXXXXX XXXX account XXXX. I would like to dispute all negative items on my report every one of them if not listed above. According to 15 USC 1666B ( a ), under the law passed by Congress, " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' The reported late payment is a result of an accidental oversight, and based on the aforementioned law, this item should not have been reported as late. I request that you investigate this matter and remove the inaccurate negative information from my credit report. 

Also, according 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. 

If an open-end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Article I, Section 10 of the United States Constitution**, which states : " No State shall make any Thing but gold and silver Coin a Tender in Payment of Debts. '' This means that states are prohibited from making anything other than gold and silver coin a legal tender for the payment of debts. 

Please conduct a thorough investigation and correct the inaccuracies promptly. I look forward to your swift response and resolution of this matter, as per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this request. 

Sincerely,
Product: Credit card or prepaid card

My wife and I have Visa credit cards from USAA. I have been a member of USAA for 59 years. We spend approximately {$1500.00} each month on our two cards, USAA offers 1.5 % cash rewards on our cards.. My wife observed that the 1.5 % was not being deducted from the balance owed and had not been for some time. We called USAA to find out what had happened to the cash reward. We spent several hours and were shunted to at least eleven different people but no-one could explain where our money was. We were told our reward was {$34.00}. 
We have concluded that USAA has committed a fraud. They claim we get 1.5 % but they can't tell us what has happened to the money we are owed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/2019, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Product: Debt collection

XXXX XXXX States that original company did n't receive payment but could n't state original company. States we have to pay this loan or legal action will be taken against us. She states that I signed up for this account XX/XX/2007 I do n't have any recollection of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts and inquiries : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reporting medical bill due. I did not owe XXXX. I have medical insurance for mental health treatment with them. They are incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance. Their doctors have dropped me from care on several occasions without proper notice leaving me without proper mental health care and medication.
Product: Student loan

My student loan payment is due today, XX/XX/23 with Nelnet after recently being tansferred from Great Lakes. I logged in online to make the payment and the website informed me that the payment would not be made until XX/XX/23 because it was roughly XXXX XXXX  EST ... apparently the cut off is XXXX XXXX  EST. 
I then called to see if I could make the payment via phone, but there is a XXXX Minute wait time to speak with someone. I made the payment via their IVR/Automated system . The system told me the payment would be in effect for XX/XX/23. the email confirmation states the payment effective date will be XX/XX/23. I do not yest know if this will be considered a late payment as I am still on hold ( XXXX Minutes ) trying to speak with someone. How can a loan servicer be allowed to have XXXX Minute wait times? Secondly, there is no information found online regarding if this payment will be considered late.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Equifax credit report, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. The other Bureaus are not reporting this fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX XXXX credit card on XX/XX/20 because I want to start building up my credit but unfortunately I was not approved because I guess there are four accounts in negative standing on my credit report. I wasn't aware of these accounts before today because like I said I'm barely starting to build credit. These accounts do not belong to me ; I did not open any of them and I did not give anyone permission to open them in my name. I have no idea who is responsible for these accounts but I did not benefit anything from them being open on my behalf such as money, goods, services or any other benefit and I never made payments towards these accounts. The accounts were opened with these companies-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a contract/agreement or any affiliation to any of these companies nor did I ever authorize them to access my credit information. I have filed this report with all the information I have.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Credit reporting

I made a banking online payment to XXXX for XX/XX/2016, and XX/XX/2016. My bank, XXXX XXXX XXXX returned the 2 mortgage payments to my acct stating there had been an address error in delivering the 2 payments. By the time I got the monies back in my acct, and paid the 2 payments, it was late, XX/XX/2016 payment arrived XX/XX/2016. My bank wrote a good faith letter which XXXX honored and waived any lates, negative credit reporting for those 2 payments. I sent Experian a copy of the good faith letter from my bank, and also a letter from XXXX stating they honor the good faith letter. Experian refuses to delete the negative credit reporting for the XX/XX/2016, XX/XX/2016 payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to comply with 15 USC 1681s-2 ( b ). Experian is civilly liable under 15 USC 1681 ( n ) ( i ) On XX/XX/XXXX a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Experian failed to conduct a reasonable procedure by their own industry standard of XXXX XXXX. XXXX failed the XXXX XXXX standard requirement to report the full XXXX a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Experian failed to report the account type as credit card code XXXX. The account type being reported as charge off/collection which is not an account type. Experian failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
In conclusion, Experian has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n Experian is liable for actual damages, {$1000.00} violation and punitive damages.