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

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA!

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged : XXXX Original Creditor : XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Vehicle loan or lease

Throughout my history with XXXX XXXX XXXX XXXX ( XXXX XXXX ) I have been manipulated, and humiliated. I have also had to deal with being bullied, harassment and verbal abuse so the fact that they now have stolen my car does not surprise me. 
On Monday XX/XX/XXXX, XXXX XXXX hired an unauthorized towing company, XXXX XXXX and XXXX XXXX. to unlawfully break into my private locked garage to repossess my XXXX XXXX XXXX. This alarmed me because I had been told by XXXX representatives that my loan was paid off and that I was paying late interest back, and my last payment was just made on XXXX XXXX. This encouraged me to take a look at my contract and receipts from XXXX XXXX. 
My contract with XXXX states that my last and finale payment with them should have been XXXX XXXX paying {$180.00} bi weekly, and the amount that I will have paid after I will have paid after I have made all payments as scheduled would be {$15000.00}, my contact also states that if payment is not received in full within 10 days after it is due, you will pay a late fee of {$15.00}. The late fee has always been applied to the account on the 11th day. 
With this information I contacted XXXX XXXX and spoke with XXXX XXXX, XXXX XXXX told me that my loan was not paid off because I had a 4 year loan and it was not suppose to be paid up until XX/XX/XXXX. I inform XXXX XXXX that my contract did not state that. XXXX XXXX then said that my car was repossessed because I was always late and that everyone in the office knew that I was always late. 
Looking at my receipts from XXXX XXXX I noticed that I never paid the {$180.00} XXXX XXXX stated in my contract I always paid more than what I was suppose to pay bi-weekly XXXX XXXX has committed fraud by taking my current balance and changing it to a past due balance to satisfy their allegations that my loan is not to be paid up til XXXX XXXX and telling me that the past due amount of {$4300.00} came from me being late all the time. 
As you can see on the receipts leading up to XXXX I was current, so that means all late fees that had been added to my account pior to has already taken care of. XXXX XXXX has repossessed my car off a fraudulent past due amount. According to my contract my XXXX XXXX  was rightfully mine. According to my receipts I have invested {$18000.00}, that's way more than my contract says I will pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX are violating my rights under the FRCA rights with a charge off. XXXX XXXX XXXX XXXX is reporting a past due on my credit profile.
Product: Student loan

I keep getting phone calls from Action Financial Services. They never leave messages so I have no idea who they are. Now they are calling me at work and demanding my personal information even though they have not told me what it is about. Threating they will take my wages. I asked them to send me something in writing about what I owe because I have not had anything from them and the lady said, '' Well that is why you are talking to someone they will tell you what you owe. '' I said that doesn't seem right as anyone can call and say you owe money and that I want actual documentation because I thought my loans were all through XXXX so I have no idea who they people even are. She said, '' Well I'm not here to argue with you, so when can you be called and speak to someone about the debt. '' I again asked for actual documentation but finally hung-up when she would not help me and would not get off the phone even though I indicated I was at work. This was today XX/XX/19 and I am being told they will take % 15 of my wages but I am not getting any actual documentation or proof.
Product: Checking or savings account

About a week and a half ago my bank account was hacked. Someone emptied my bank account by sending money to themselves with XXXX. I called chase and told them what happened and they refuse to refund me for the stolen funds of {$500.00}. This is unacceptable and I can't believe that they are not going to refund me for all of the money stolen from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XX/XX/202XXXX XXXX  XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$3200.00XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXXXXXX Balance : {$410.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1900.00}
Product: Credit card

I did an XXXXXXXX XXXXXXXX transaction to pay for goods in the amount of {$84.00} on XXXX XX/XX/2023. I was surprisingly charged a XXXX XXXX fee of {$10.00}. I told agent payment was for goods and services and requested {$10.00} fee reversed. They declined to reverse the charge. I even paid off the XXXX transaction fee of XXXX right away as I seen the posting, and they declined to reverse the {$10.00} fee. For consumer protection, XXXX XXXX  charge should be prompted before consumers use that cards to make payment if they are not using their PIN to withdraw cash. Clearly, the money did not come to me, so why am I being charged a XXXX XXXX XXXXee?
Product: Debt or credit management

I went into JG wentworth 's debt relief program, they told me to stop paying all my credit cards and loans. They started taking out the money bi weekly. I received a letter saying I had repaid one loan that they negotiated down for me. Now that same debt has been sold to a debt collector.
Product: Checking or savings account

I submitted a transfer to my external bank on XX/XX/11. I was told it would take 3 business days. To date, the transfer has not been processed. It has been 4 days...
Product: Credit reporting, credit repair services, or other personal consumer reports

Need accounts on my credit report removed
Product: Checking or savings account

CFPB closed my complaint based on a letter that was later mailed to me, from XXXX XXXX, stating that {$25.00} had been deducted from my account. This was not disclosed to me during our conversations. This was not disclosed in any way, in fact, until after the account was closed. 

XXXX XXXX 's letter refers to the Terms, and describes this as an " Early Closure '' fee that was part of the Terms, however, the account was not closed early. 

First, contrary to XXXX XXXX 's implication, the Terms allow, but do not require this fee. 

Second and more importantly, " early closure '' is within 180 days ( see attached secure message from HSBC ). I opened this account on XXXX XX/XX/XXXX. I funded it on that same day via XXXX XXXX   transfer. After a few days, when that transfer had not been credited to my account in violation of HSBC terms and relevant law, I complained, and in the end, HSBC did finally credit my deposit, retroactively, another unlawful act, but putting the funding date as XXXX XX/XX/XXXX ( see second attachment, statement with date account opened and funded ). 

As per XXXX XXXX 's letter, the account was closed on XXXX XXXX XXXX. 

Whether counting from the date the account was opened ( as required by the Terms ), or when it was funded, in either case 180 days elapsed in XX/XX/XXXX, about a month before the account was closed. Indeed, after HSBC, in one of many messages exchanged via the secure message center on the HSBC app, informed me that if I closed the account within 180 days of opening it I could be assessed a {$25.00} fee, I deliberately waited until the 180 days had elapsed before taking further action. 

HSBC apparently assessed the fee anyway, without notifying me at the time, without notifying me before doing so, and without any basis for doing so.
Product: Credit reporting or other personal consumer reports

I submitted my dispute via CFPB # XXXX on XX/XX/2024 and Equifax acknowledged receipt on XX/XX/2024 and I received results regarding the account listed below on XX/XX/2024 ( XXXX ) days later in violation of 611 ( a ) ( 1 ) ( A ) which states that the investigation should have been conducted and that the consumer be notified in 35 days.

I am demanding that account be deleted immediately due to the Equifax untimely treatment of my dispute in accordance with Federal Law. 

XXXX ) XXXX XXXX - XXXX. 


My dispute was based solely upon The XXXX XXXX XXXX XXXX XXXX, FCRA 602 which states I have a right to privacy and FCRA 604 ( a ) ( 2 ) which states a credit reporting agency can not furnish an account without written instructions. 

I GAVE NO WRITTEN INSTRUCTIONS FOR THE ACCOUNT TO APPEAR ON MY CREDIT REPORT therefore remove it. 

Additionally, If account is not deleted, I am requesting in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( A ) ( 7 ) a description of the procedures that were used to verify both accounts. I also request the name of each person that you spoke with along with their telephone numbers and addresses. 

I understand that I can sue under this law if I do not receive this information in 15 Days and collect monetary compensation. 

Delete account from my credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not reporting the correct name for me. 
I would like my name updated ASAP. 

My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES. 

This name is inaccurate XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

An incorrect collection is on my credit report. I do not owe this company. I have asked for proof that I have ownership to this debt but failed to give me this information. 
National Credit Systems XX/XX/XXXX Credence Resource XXXX XXXX National Credit Adjustment XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S.

Code 1602 ( p ). Also violating 18 USC 894. Using my name and address without express written consent in violation of O.C.G.A. 16-9-93.1 Then list the items that are creating the negative impact Statement : XXXX XXXX XXXXXXXX and XXXX  have violated my rights, and restraint of trade in violation of 15 USC1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

I let these agencies know about these errors beginning in XXXX XXXX XXXX sent evidence police reports and they continue to report and supply the same information without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection in the amount of {$1600.00} on the XXXX XXXX XXXX, XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account should be reporting a {$0.00} balance. This incorrect reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Checking or savings account

Well, I went to the bank and told them that I lost my wallet which had my ID and my debit card, but they refuse to help me get a new car just because I showed them my work permit instead of my other ID, which is in the lost wallet
Product: Checking or savings account

My grandmother signed over a large check to me ( from the sell of her house- she is in a XXXX home ) I was told she would need to be on my account ( due to the amount- although she signed the check over to me ). I added my grandmother to my checking account via telephone ( as advised by customer service due to her health and unable to walk ), provided all documentation necessary to add her as a co-owner ( XXXX forms of ID ), we signed the signature card. After the XXXX business days AND the posting the check to my account, they put a hold on the remaining balance. Called customer service for days. Went in to the branch and found out it was because the branch scanned our signature card into the system versus being mailed in. The agent working with me at my local branch called me yesterday and said although I did everything correct by my bank rules that she decided NOT to release my balance unless I bring in my grandmother to the branch and we both resign the signature card that was just submitted to them XXXX weeks ago. My grandmother can NOT walk due to XXXX and XXXX. I informed them of this when adding her to my account which is why we needed XXXX forms of ID and to sign the signature card. Now my bank it holding my funds XXXX and I have bills that need to be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 i was denied services by Affirm. In this denial it stated that i was denied due to payment history with Affirm. Yet I have an impeccable payment history with them nothing has every been late and everything has been paid on time. It also stated I was denied for Credit utilization, historical loan delinquency, and number of recent credit inquires. Now according to section 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

This is a direct violation of my consumer rights. Affirm did not protect me against unauthorized use of my consumer report because I never gave permission to them to utilize my report. This denial had also caused substantial harm and has inconvenience me since i was denied for using my no public information to make a judgement against me that i was unaware of.
Product: Credit card

I made an agreement where I would pay a sum of money and they would mark my account as a XXXX balance. I paid it and they have not removed the balance. I have all the documents needed to prove this.
Product: Debt collection

On multiple occasions Ive disputed a false collection for a XXXX ( no longer in business ) device I never even owned and company refuses to provide proof of. They will not remove account from my credit. When sent complaint by CFPB they state they have no record of my account. This company is XXXX XXXX. Upon my persistence, they assessed a new account identical to the XXXX XXXX account in another name. Enhanced Recovery
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax and reported a fraudulent account on my credit report on XX/XX/20 dispute number XXXX. They removed the dispute within days without investigating. I had to open a second dispute XXXX, and now Im having to go through the process of proving this account is not mine. I dont believe they really investigated the first time I placed the dispute.