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

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING 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 XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I have no idea who could of done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ) XXXX {$400.00}
Product: Debt collection

Having my credit checked found a XXXX account for a {$170.00}, got a hold of XXXX and they had no record of it filed complaint on the collection agency and XXXX to get it off my credit report.the collection agency called me last Friday to inform me that that account was with drawn from their company in XXXX 2012, and at that time they sent deletion requests letters to the credit bureaus to be taken off my credit report.Why was it not taken off 4 years ago?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$66.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witn the Fair creair reporing act. The List or accounts berow nas viorared my rederally protecred consumer rignts to privacy and confidentiality under 15 USC 1681. Account : DEPT OF EDUCATION/XXXX  Account # XXXX  XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX3 DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc 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 or other personal consumer reports

My transunion credit report was to have a credit freeze added on per my request And i found out that transunion never applied the freeze, leaving mu personal information open to identity fraud. So during a conversation with transunion i revealed it was open.
Product: Student loan

I called Aidvantage 's customer support on XX/XX/XXXX around XXXX XXXX  EDT in order to initiate a refund of {$20000.00} on multiple fully paid loans. 

I have 5 loans that added up to a total of {$23000.00}, which I paid off all around XX/XX/XXXX. 

The representative ( XXXX XXXX was able to assist and confirmed the request has been submitted and that it must be approved by a manager. Since none of my 5 loans add up to {$20000.00} exactly, he was able to request a partial refund on one of the loans while a full refund on the rest.

He also told me that the refund request will be approved and processed by XX/XX/XXXX and that my balance will be reinstated and reflected on Aidvantage and Federal Student Aid. 

By XX/XX/XXXX, I did not see any actions on either my Aidvantage or Federal Student Aid account and called customer support around XXXXXXXX XXXX EDT. The representative XXXX XXXX XXXX was able to confirm that my refund was approved for {$20000.00} and that I need to wait an additional 2 to 4 weeks for the request to be processed. 

After waiting another 5 weeks, I have yet to see any actions on my accounts. Students who called later than me have gotten their loans reinstated and refund deposited in their bank account, while my refund request is either still being processed or on hold. 

Aidvantage do not provide any system of correspondence in place that let people know what is happening with their account.
Product: Credit card

On XXXX XXXX, 2015 I did a balance transfer of {$19000.00} from my XXXX Credit Card Acct. to American Express. On XXXX XXXX, 2015 American Express sent me a letter stating that they were declyning the balance transfer of {$19000.00} from XXXX and returning the money back to XXXX. On XXXX XXXX, 2015, I contacted XXXX to ascertain if they had received the returned check of {$19000.00} from American Express and they stated that they had not received anything back from them. When I contacted American Express to inquire about this matter, American Express stated that the check had been sent back to XXXX and that I had to figure out where it went. American Express was unwilling to help me any further regarding this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> **Consumer Financial Protection Bureau** XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX **Federal Trade Commission** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Re : Complaint Regarding TransUnions Reporting Practices** Dear Sir/Madam, I am writing to formally lodge a complaint against Transunions concerning their reporting practices, which I believe are in violation of consumer protection regulations. TransUnion hasn't reported my XXXX XXXX  XXXX  Account for the month of XXXX of XXXX. 

Despite previous legal actions taken against XXXX for their unfair and deceptive credit reporting practices. Now I'm experiencing the same issues with transunion 's reporting. TransUnion has failed to accurately report my credit information, which has resulted in significant negative impacts on my creditworthiness and financial opportunities.

TransUnions negligence raises serious concerns about their compliance with fair credit reporting standards and undermines the protection that consumers are entitled to under the law. 

Given these circumstances, I urge both the CFPB and FTC to investigate Transunions practices and take appropriate action to ensure that they adhere to the regulations designed to protect consumers. It is crucial that TransUnion is held accountable for its actions and that consumers receive fair and accurate reporting they deserve. 

Thank you for your attention to this serious matter. I look forward to your prompt assistance in resolving these issues. 

Sincerely,
Product: Checking or savings account

I have had a few fraud issues with transactions this past year. The bank would notify me and ask if I made withdrawal, and if I had not, I would cut up the card and get a new one and money eventually added back to account. Due to these issues, I would check my account almost daily. XXXX XXXX, XXXX, I noticed a withdrawal of {$1100.00}, from XXXX XXXX in NY on my debit card ending in XXXX. I called the bank immediately to tell them I had not made that withdrawal. ( No warning messages from the bank this time. ) They issued a new card, and said I would hear from them in 7-10 days. I said that was too long for that amount of money so they sent me to the fraud dept which gave me a provisional credit on XXXX XXXX, XXXX  while they reviewed the case. That became reference number XXXX. On XX/XX/XXXX I had another issue where someone had used an ACH for {$1000.00}. I found that withdraw right away and called the bank and they put a STOP on that payment and fortunately no money was taken out of my account. I only mention this as it has been confusing with two amounts close to the same figure, and I had not heard anything back concerning the reference number above XXXX, the provisional deposit. We thought it had been resolved by this time almost XXXX weeks later. ) On XX/XX/year>, we received a letter form WF saying the XXXX XXXX issue was authorized, a digital transaction, and therefore they would be taking the provisional credit back of {$1100.00} from our account, which they did on XXXX. 
We went to the local WF and they could not talk to us about fraud case so had us call from their office. Since then, it has been bumped up for review twice and dismissed both times. I did not make that purchase in NY. Whoever did, used my name but a different shipping address. Because she had my email, I was sent the receipt for the purchase and called the bank and gave them the address of the person making the purchase.. She also went in and changed my address on social media accounts and some shopping places. I do not know if they ever followed up on that. I filed a police report because {$1100.00} is a lot of money and I couldn't let it drop. I filed the report, I with XXXX XXXX on XXXX at the XXXX XXXX Police XXXX XXXX XXXX XXXX XXXX SC XXXX I then called XXXX XXXX who we have been with a little over a year this past XXXX. They asked me to fill out this report. 
Why did we hear back 2 months later? Why didn't I get a warning message about withdraw from WF? On each review I called and asked them to please call me and they said keep your phone close for the next 24-48 hours, and no one ever reached out to me concerning XXXX XXXX, and the denials.
Product: Bank account or service

I am so frustrated right now. I only get paid XXXX and believe me, it 's not a lot. On my XXXX check I made a payment for my nephew thinking that I was okay. I forgot that I had sent out some packages through XXXX. Well I ended up going overdrawn, not by a lot. Well XXXX tried to do these small charges ( {$2.00} - {$3.00} ) several times and I did n't have enough in my account. Well they were trying every couple of days and the bank was charging me {$35.00} for every XXXX. When I checked my balance Saturday it was {$1200.00} overdrawn, I was flabbergasted. So I added up the charges and it came to {$1200.00}, so that means that I was {$8.00} overdrawn. I 've been on the phone so many times and after talking to several different people they credited me {$250.00} so they could get it under {$1000.00}. I understand that I was overdrawn and should be penalized but the charges seem a little absurd. I do n't know if you can do anything for me, but I am on Social Security and I really ca n't afford it. Thank you for your time. 


Sent from XXXX XXXX XXXX XXXX
Product: Debt collection

This is my FIFTH validation notice about the alleged debt reporting on my consumer report that needs to be deleted. I requested for validation and verification of this alleged account which they failed to adequately provide me. This agency provided a statement which is a generalized accounting that is NOT accurate because it was NOT a record authenticated.

In my validation/verification letter, I demanded a request for accounting, pursuant to the Uniform Commercial Code ( UCC ) , which is recognized as commercial law. Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request.

If this agency is having a hard time understanding the law, my request for an accounting means the request for an accounting you provide me must be signed by someone under authority in order to VALIDATE/VERIFY the information in the instrument ; this is the meaning of what a record authenticated means. A record CAN NOT be authenticated without being signed by someone under authority, therefore theyve not supplied me with adequate information and because its been over 30 days since Ive made my request theyve violated the Fair Credit Reporting Act ( FCRA ) by reporting INVALIDATED information!

A debt collector may not communicate with a consumer in connection with the collection of any debtat any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. And 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.

This company is harassing me by saying I owe a debt that is an ALLEGED OBLIGATION and also violated the law by communicating with me at an unusual place and time known by me, THE CONSUMER. I will begin to take legal action if this is not handled properly. CITI Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, COMENITYCAPITAL/XXXX  add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FIN XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, Medical XXXX Balance : {$270.00}, XXXXl XXXX Balance : {$750.00}XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX CRE U 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the account below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681. XXXX XXXX XXXX account # 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 then records of convictions of crimes which antedates the report by more then 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer 15 USC 1692 section 805 A section 3 states at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may r treat a payment on a credit card349 account under an open end
Product: Bank account or service

We have a savings account that we have had for many years. Never really checked balance but when we did 3 or 4 years ago it was drained to XXXX. My wife contacted bank numerous times and customer service said they would get back to her. This never happened. My wife went into branch office and filled out a investigation form and representative would check and get back to her. She went to bank and representative left the back. Never heard back from bank. After our investigation we had found out that someone in the bank was using our saving account to pay their XXXX XXXX bill monthly. We checked our account and saw where withdrawals were happening. We call XXXX XXXX and they confirmed that our account was being used to pay one of there customers Chase withdrew 8 months and only gave credits for 3 months and after I put a claim in they allowed another withdraw which caused our account to be negative and they charged us {$25.00} Here is how it went down. 

XXXX XXXX, XXXX - {$140.00} XXXX XXXX, XXXX - {$170.00} XXXX XXXX, XXXX - {$230.00} XXXX XXXX, XXXX - {$200.00} XXXX XXXX, XXXX - {$150.00} XXXX XXXX, XXXX - $ {$13000.00} XXXX XXXX, XXXX - {$110.00} XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - {$2500.00} - insufficient funds fee credit {$150.00} credit {$130.00} credit {$110.00}
Product: Checking or savings account

Wells Fargo used high pressure sales tactics for me to open another Bank Account that I didn't need and that I wasn't planning on using. I opened the account and deposited {$300.00}. I was told that there would be no fees on the account and I could just keep the money there until I planned to use the account. 

This is the second time I've complained about this same issue. I am not getting emails that the account is overdrafted and I've never used the account. Wells Fargo drained the {$300.00} in my account and started charging me fees, for no reason. 

This is blatant theft. 

Account name is under business XXXX, XXXX.
Product: Credit reporting

XXXX XXXX and EXPERIAN has failed to produce any documentation that shows that alleged XXXX - XXXX XXXX XXXX has named alleged XXXX XXXX, as assignees, nor have even shown that the original accounts has any knowledge of this actions, or that the original alleged XXXX- XXXX XXXX XXXX has even given all rights and control.EXPERIAN continue state that they have verified the information when I sent them a letter disputing the information 2 months ago. 
If XXXX - XXXX XXXX XXXX did assign the debt to a third party-XXXX, XXXX - XXXX XXXX XXXX would then lose his rights to collect later. This means that probably took a tax credit, an insurance write-off, or some such action that automatically makes XXXX XXXX unable to collect the debt after that point. Collection agency XXXX XXXX does not have the original agreement with my signature. I never attended any college. According to the Fair Credit Reporting Act section 609 ( A ) ( 1 ) ( A ) the credit bureaus have to get physical verification of the original consumer contract for any and all accounts they post on a credit report. Electronic dispute notices ( XXXX ) received by was handled by its " XXXX ''. 
I Noticed they never had a single person actually investigate any of the XXXX and it never contacted me by mail on their way of investigating. No proof.They stated their position was that it had no responsibility to do anything because its computer " investigated '' the dispute when it reviewed the information in system and compared it with the information supplied by the XXXX XXXX and EXPERIAN. 
EXPERIAN said that they have verified all accounts. I need to have them send me a copy of what they used to verify the accounts attached. The ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) If they do n't have it please remove it. I have no knowledge or signed account level agreement with alleged collections agency- XXXX XXXX or original alleged XXXX - XXXX XXXX XXXX.