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

XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified as accurate, it must be deleted from my credit report. Since your agency has failed to provide proper verification, these accounts are now legally unverifiable and must be permanently removed.

Final Demand for Deletion : I am giving you five ( 5 ) business days from receipt of this letter to : 1. Delete the accounts listed above from my credit report immediately.

2. Provide written confirmation of their removal.

Failure to comply with this request will result in formal complaints with the ( CFPB ), ( FTC ), and my State Attorney General. I will also consider legal action against your agency for willful noncompliance with the FCRA, which carries statutory damages of {$1000.00} per violation under 15 U.S.C. 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the credit bureau 's to updated my XXXX XXXX credit card to XXXX.
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 XXXX, XXXX 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 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 months that reported late 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  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 card or prepaid card

After 2 years of no resolution of USBank unwilling to remove the incorrect negative credit card account off my credit report I decided to file three separate complaints with the XXXX, FTC and Washington State Office of the Attorney General in addition I will file a complaint with the Minnesota ATG as that is where USBank is headquartered then take legal action as a last resort if the item is not removed. Attached are copies of the complaints filed with each agency. 

This complaint is for account item : US BK XXXX Account Number : XXXX
Product: Debt collection

The calls date back to XX/XX/XXXX. I receive/received repeated phone calls from XXXX XXXX XXXX , XXXX. Although the address is : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX, the company is outsourced in XXXX. XXXX XXXX XXXX , XXXX is trying to collect money for an account from XX/XX/XXXX. All of my accounts with this company are outdated. The customer representatives have incorrect address on file, my accounts are passed to more than one person I continue to speak to different people regarding my information. When I ask to mail all of the information regarding my payments that are due, the response is " I only handle this account '' although my accounts are with the same company. One of the representatives was condescending and rude and some customer representatives were aggressive and wanted me to make a payment during the phone calls. When I asked to speak to a manager, I told him about the situation, the manager was rude as well. I think it's unfair for me to make payments on closed accounts. It's also frustrating to have multiple customer service representatives calling me and pressuring me to make payments for multiple accounts all at once/same time for debt that is over ten years old.
Product: Credit card or prepaid card

On XX/XX/2019, I made a reservation with XXXX for a total amount of {$3600.00} and paid for it with my US Bank credit card. During that transaction, I selected their enhanced Cancel for Any Reason plan for a cost of {$320.00} above what is included in the Standard insurance plan. 
After making the reservation, my spouse encountered medical problems and we took advice from our physician NOT TO TRAVEL. We contacted XXXX on XX/XX/19 to cancel our reservation based on doctors advice. One of their agents told us we had 2 options : ( 1 ) forfeit the entire reservation amount, or ( 2 ) accept a voucher credit but receive no money back. I then discovered that XXXX had already charged the ENTIRE AMOUNT to my credit card. 
I researched XXXX and found they have a history of scamming people. I immediately filed a Chargeback with US Bank to recover the money stolen from my account. 
On XX/XX/2019, US Bank denied my chargeback based on FALSE information XXXX gave them during the investigation. XXXX told the investigator I cancelled the reservation on XX/XX/2019, activating the Insurance Policy, but I DID NOT cancel the reservation and could not cancel the reservation because I did not communicate with them on XX/XX/2019 as they stated in their letter to the US Bank investigator. I have email proof and phone records to support this. 
They misled the US Bank Investigator by saying that I could rely on that program for reimbursement. In addition, XXXX states in their letter to me : if you wish to apply payment and travel This proves that their XX/XX/XXXX charge on my US Bank account was UNAUTHORIZED, premature, and illegal. 
On XX/XX/2019, I contacted the district manager of US Bank, XXXX XXXX ( XXXX, XXXX ), and she said to appeal the decision with XXXX XXXX ( at XXXX ). I called Ms XXXX at least 10 times from XX/XX/2019 through XX/XX/2019.  Each time I called, I was told by her assistant that Ms XXXX would return my call within 48 hours, but she never did. On XX/XX/2019, I spoke with XXXX ( at XXXX ) and he said the appeal period lasts only 1 week and unfortunately the deadline has passed, but Ms XXXX has the ability to open an appeal even today. 
On XX/XX/2019, Ms XXXX finally called me and told me there would be no appeal because it is out of her hands. Essentially, US Bank denied me the ability to appeal and provide them with PROOF that XXXX lied to the investigator. 
US Bank is effectively the collection mechanism for XXXX fraudulent operation.
Product: Credit card

For the last several months American Express has been applying interest to my account when there should be 0 % interest applied to this card until XX/XX/XXXX I contacted American Express XX/XX/XXXX regarding the most recent interest charge in the amount of XXXX applied on XX/XX/XXXX. I was informed that someone from Amex would be contacting me no later than XXXX. No one from Amex called so I reached back out to them on XX/XX/XXXX and was informed that a dispute was opened. I was not provided a dispute number/case number by phone or email. I contacted Amex on XX/XX/XXXX and Amex acknowledged that no dispute was ever opened. The previous XXXX months this issue was resolved in less than XXXX minutes by contacting customer service. I am uncertain why Amex has failed to credit my account as no interest should be applied until XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6TH 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 XXXX XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXXXX/XX/XXXX
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 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 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
Product: Credit reporting, credit repair services, 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.

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 or prepaid card

1.I have never had an account with this company XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SEARS/CBNA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Debt collection

XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. Pease send validation of alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 my wife was diagnosed with stage XXXX XXXX XXXX. I am permanently XXXX with XXXX XXXX. We missed mortgage payments for the months XXXX, XXXX, XXXX of 2019. I contacted the mortgage company and they offered a loan modification because of a medical hardship. We sent the application paperwork for modification of the mortgage back on XX/XX/2019. The process of doing the modification of the loan was finalized on XX/XX/XXXX 2019.During this process the mortgage company called every month and withdrew payments for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2019 XXXX reported these months late on the credit report to the credit bureaus. I dIsputed this to XXXX, XXXX  and XXXX XXXX. I supplied all three credit reporting services with proof of payments posted to the mortgage company from the checking account. They investigated and return with the loan was modified and current. I disputed the findings again to the credit bureaus. The same answer came back from the investigation. I was told to contact the mortgage company and open a credit dispute with them on an error of crediting payments taking directly from the checking account. I spoke to someone and would not delete the late payments. They told me that I should have asked for a forbearance and that would have not affected my credit. I was never told about this option back in XXXX XXXX.I asked to talk to a supervisor and received a return call the next day with the same decision not to credit these payments. They record all telephone calls. I told the person that took the payments every month that how can you repot these late. I was told when the modification of the loan was complete that it would be fixed on my credit report. I came to find out about this when trying to refinance the loan with another company. I was never credited for the payments and that it shows as late on my credit report. 
Thank You, Trying to refinance a mortgage after a medical hardship
Product: Debt collection

I am in a paying status and they will call me every day and XXXX XXXX will leave me a voice-mail every single day. When I call they told me they dont know why she called cause I'm paying. Then I got a letter saying I am not trying to resolve this and I need to pay XXXX of my balance right away to show my intention. I got that letter today and then they took my payment out today as well. I being repeatedly harrassed by this company.
Product: Credit reporting or other personal consumer reports

My account with 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  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

I am looking my report from my personal credit profile, And I see unauthorized fraudulent hard inquiries on it. I want to remove this fraudulent from my reports as soon as possible XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Trying to link my PNC bank account with XXXX and they arent allowing it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. Refunds, unauthorized transactions, money being taken by Cashapp for no reason.
Product: Student loan

Navient is my loan servicer. I have federal loans from XXXX that were converted into FFELP loans with Navient. Although I work in higher education, and therefore am eligible for both the one-time {$10000.00} relief and the Public Service Loan Forgiveness program , Navient both threatened debt collections to continue collecting loan payments during the federal moratorium on loan payments and failed to ask or inform me if I work in a PSLF field when they uniformly told me my loan was not eligible for the one-time Biden forgiveness plan.

In fact, because I work in a PSLF field, my loan is eligible. Navient therefore lied to me about my eligibility in the federal program in order to continue receiving payments from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank account was hacked in the summer of 2017 and my account was frozen for weeks. I have a letter from the bank confirming this. I missed two payments due to the hacking and have given WFDS the bank letter MANY times to no avail. Due to that WFDS has my account showing TWENTY SIX TIMES!!! This has destroyed my credit score which was in the 700 's for my entire adult life. I'm now XXXX. PLEASE help to get this resolved!
Product: Credit reporting or other personal consumer reports

I woke up this morning around XXXX Eastern time because I had heard my phone ding. There was an email from XXXX  stating that there was a new inquiry on my credit report, when I logged in there was a hard inquiry from capital one today. I have no applied for a capital one credit card and I have no submitted a request for one. I contacted XXXX and filed a dispute, I also filed one with XXXX. XXXX advised me to contact the bank Capital One. I was told by a representative that someone did try to open a card in my name and that they would decline the application due to me letting them know someone had used my social security number unknowingly. I told them that if it werent for experian emailing me and letting me know about the inquiry I wouldve never knew someone tried to get a card in my name. Especially due to me not getting an alert from capital one or anything. I do not have any accounts with capital one and I have never applied for a capital one card.