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

XXXX XXXX Discover Financial Services Attn : Credit Dispute Department Subject : Dispute of Unauthorized Late Payments and Hard Inquiry Due to Identity Theft To Whom It May Concern, I am writing to formally dispute XXXX late payments reported on my XXXX credit card account for XX/XX/XXXX and XX/XX/XXXX, as well as a hard inquiry on my credit report dated XX/XX/XXXX. These inaccuracies resulted from identity theft, and I request their immediate removal from my credit report. 

I want to clarify that I am the rightful owner of my XXXX credit card account and do not wish to close or remove the account. My concern is solely with the incorrect late payment entries and the unauthorized credit inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Because I did not authorize the hard inquiry in XX/XX/XXXX and was a victim of identity theft during the time of the reported late payments, I respectfully request that these negative marks be removed from my credit history. 

Please investigate this matter promptly and provide a written response confirming the removal of these inaccuracies. 

Thank you for your time and assistance. Please let me know if you need any further information to process my request. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

PAID off my XXXX XXXX credit card on XX/XX/XXXX online. Got email from company that payment had been applied to my account and posted to my account on XX/XX/XXXX, and was POSTED and withdrawn from my checking account on XX/XX/XXXX. Mind you, there is no disclosure on the email or anywhere on the website advising this is a policy and that there would be a hold on these payments, and in the past, my payments have always applied and been available immediately, or the next day at the latest. Even a {$2500.00} payment made 2 months prior was available the next day. So, when i tried to use this card on Tuesday, XX/XX/XXXX, it was declined. i was very confused so i call the company, and i was told there was a hold on the payment and he wouldnt advise why and that it was just their policy that it has a 7 day hold before the avail credit is avail. Waited until next day, XX/XX/XXXX, and still nothing avail. Called again, as i paid the card off to book a family vacation, that the price is increasing daily, only for the manager to advise me, that due to the amount of the payment, being out of my normal payment amounts and algorithm different, even with the {$2500.00} pay prior, that their policy is these larger payments require a 7 day hold, and due to the amount there was nothing they could do to release the hold, and i am basically penalized for 7 days, and cant use my card to book my trip, until after the 7 days!!!!!!!! and due to the high limit of the payment, it wasnt even in her limit to release the hold!! i am beyond distraught about this awful policy! and being able to book my vacation, that is increasing daily!!!!!!!!! I work for a fortune 100 credit card company and have never heard of such a policy, or was even disclosed this info!!!!!!!!!! How is this legal??!?!?!?!?!?!
Product: Debt collection

Some background first. On XX/XX/XXXX I purchased a televison from HH Gregg, in order to get free interest I had to take a card out which was filled out by the clerk and not until after paying the card off did I realize my last name was misspelled, the letter i was in place of an e. I added a washer and dryer on XX/XX/XXXX with the same no interest promotion and paid it all off on XX/XX/XXXX without any interest due. I did not use the card again and let it expire. 
In XXXX of XXXX I discovered an email from Synchrony stating I owed {$3800.00} plus dollars, I contacted the local police and made a report explaining someone somehow used my information I also contacted Sychrony and the call taker explained I would not be responsible. A couple days later I'm telling my son who has the same name but has his own home and he says he and his wife  had applied for a card from Synchony and received one and charged about that same amount. ( we have had issues with the post office sending our mail to each others home ). I recontacted Sychrony to try and get this resolved and my son also called them to try and get it fixed by having the bills go to him  on a new account not tied to me. I was also told I had to fill out a fraud statement which I did. My son gave me the card he received and it was a new number I had never been issued but it was still spelled wrong. 
In XX/XX/XXXX I received a response from Synchrony stating the bill was my responsibily since it was family. I called the fraud department and reiterated that my son was an adult and did not live in my house so he was not a household member nor was he ever on my original credit card, only myself. Also I was told they did not have an application from my son in the computer, however I was shown a heading from Synchony to my son sent to his address. I also received another email stating I had a new card and to activate it. Since I did not want a new credit card to begin with I never activated this card but Synchony took the charges my son made on the second card and transferred them to this third card which was not activated. 
I cant imagine some of this is legal. If it is any child of any age ( even ones who have broken off all contact with parents ) could intercept their parents mail and buy all sorts of things and never be responsible for any of it. How can credit card companies activate cards without the recipient accepting the card let alone switching from card to card.Why have a number to call to activate if they can do it without your permission. My son is XXXX years old, has his own family but Synchony is saying I'm still responsible. Seems pretty unethical. Additionally does my name being misspelled play any role at this point? I have worked hard at keeping things paid on time and not having debt and I don't want to be in the middle of this when I made none of the purchases.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights regarding privacy and confidentiality. Specifically, these violations include : 15 U.S.C. 1681c-2 Failure to block information resulting from identity theft 15 U.S.C. 1681 Congressional findings and statement of purpose 15 U.S.C. 6801 Failure to protect nonpublic personal information 12 CFR 332.4 Failure to provide an initial privacy notice to the consumer 15 U.S.C. 1681i Failure to follow procedures for disputes regarding accuracy 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance 15 U.S.C. 1681b Obtaining and using consumer reports for impermissible purposes 15 U.S.C. 1681s-2 Furnishers failure to meet responsibilities when reporting to consumer reporting agencies 15 U.S.C. 1691e Civil liability for violations of the Equal Credit Opportunity Act 15 U.S.C. 1692e False or misleading representations in debt collection 15 U.S.C. 1692d Harassment or abuse in debt collection 15 U.S.C. 1692f Engaging in unfair debt collection practices 15 U.S.C. 1692c Unlawful communication practices in debt collection 15 U.S.C. 1681q Obtaining consumer information under false pretenses 15 U.S.C. 1666b Failure to comply with payment timing requirements 15 U.S.C. 1681e Failure to implement proper compliance procedures XXXX XXXX Opened XX/XX/XXXX Balance {$26.00} grow credit XXXX  Opened XX/XX/XXXX Balance {$26.00} DEPTEDXXXX Opened XX/XX/XXXX Balance {$2400.00} DEPTEDXXXX Opened XX/XX/XXXX Balance XXXX DEPTEDXXXX  Opened XX/XX/XXXX Balance {$2200.00} These violations constitute a direct infringement of my federally protected consumer rights. I request immediate action to rectify these infractions in accordance with applicable federal laws.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Account Name : XXXX XXXX Account Number : -- - Late Payments : XXXXXXXX XXXX XXXX XXXX I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.
Product: Debt collection

I recieved the enclosed bill asked for verification/authorization to bill my insurance company To date I have recieved the requested information.The medical provider XXXX XXXX attempted to bill XXXX my insurance company for a service I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

It looks like NFCU is up to its old tricks and didn't learn their lesson back in XXXX when they were fined {$28.00} XXXX for deceptive debt collecting practices because as of XX/XX/XXXX, NFCU randomly closed my account ( XXXX ) and illegally froze all funds and my access without any warning. My debit card, ATM usage and online account functions were blocked and inaccessible without adequate notice. 

On XX/XX/XXXX, NFCU mailed a letter to me that states they have no alternative but to recommend [ Account # XXXX ] for legal action. based on a delinquent account. The letter also implied that I will find it difficult, if not impossible, to obtain additional credit because of my present unsatisfactory credit rating. NFCU did not analyze my credit situation before sending me the letter. This is in Violation of Section 1036 ( a ) ( 1 ) ( B ) of the CFPA, that prohibits unfair, deceptive, or abusive acts or practices. 

The injuries I have sustained were not reasonably avoidable because NFCU 's policies and practices regarding electronic access and service restrictions were never adequately disclosed to me when I opened my deposit accounts, credit accounts, or before I became delinquent on a credit account. NFCU 's electronic account access restriction activities, constitute unfair acts or practices in violation of sections 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA, 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ).

On January 1, 2023, NFCU failed to cease and desist all forms of communication, reporting these inaccuracies on my credit report. This is in Violation of 15 usc 1692 ( c ).

Lastly, both the CRA 's and Creditors did not have permissible pursuant to 15 US Code 1681b : a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have contacted the Attorney General 's Office, XXXX and the CFPB TWICE and nothing has changed. 

The {$28.00} XXXX was just a slap on the wrist for NFCU. I highly recommend that they learn a lesson by way of stiffer penalties and fines. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as NFCU willfully violated its obligations under the FCRA.
Product: Credit card

Back in XXXX, I made my payment on XXXX, it was due on XXXX, then 2 weeks after I made my payment and was taken out of my checking account, I received notification that I did not make my payment and was charged a late fee. I called and provided them proof of payment before the due date. They stated there was an " outage '' ( I believe they had a security breech, not an outage, but no evidence ) and the problem would be fixed. They fixed the problem with payments, however I had XXXX graduation rewards and I should have received my XXXX in XXXX. This means I would have received an increase in credit or decrease in interest amounts. My graduation rewards in XXXX showed XXXX of XXXX, instead of XXXX of XXXX. As of today, XXXX, it's still showing XXXX of XXXX. I've contacted the credit card company multiple times and they keep telling me " they are working on it ''. I know for a fact that these type of technical problems do not take a month to fix. I have reported them to the XXXX  and they have not responded. I have emailed them and they continue to give me the same reply of " we are working on it ''.
Product: Credit reporting or other personal consumer reports

I was victim of identity theft and the following documents uploaded needs immediate attention. 

Please remove the following incorrect addresses Information from my credit report EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove the following fraudulent accounts from my credit report EQUIFAX : I XXXX XXXX filing this adavit to report fraudulent accounts on my credit report for a collection account under XXXX XXXX opened on XX/XX/XXXX, account number ( XXXX ), a credit card account under XXXX opened on XX/XX/XXXX, account number ( XXXX ), credit card account under XXXX opened XXXX XX/XX/XXXX, account number ( XXXX ), which are reflecting on my three credit bureau reports. I do not recognize any of this fraudulent accounts, and they are result of Identity theft and fraud. These account leads to collection be in place on my credit report, I demand that this fraudulent accounts be removed from my credit reports and any collection needs to be ceased, under FCRA and FDCPA.
Product: Student loan

In XX/XX/2018, three loans I have with navient come out of my last forberance. I tried for 90 days prior to XX/XX/XXXX to get on a repayment plan that would meet my income level. After multiple calls and financial worksheet submissions, I was told that " No concessions can be made on my account, as we have your discretionary income as over {$3000.00}. '' My total monthly take home income is around {$3000.00} and i currently pay multiple other obligations every month. After trying to fix figure several times with phone calls and more financial worksheet submissions, I was still told no concessions could be made on my account and the only option I had was to try for a rate reduction program. After asking how that would happen, I was told you only become eligible for this program after your account is past due. I called back several times over the course of the next 60 days trying anything that would prevent that from happening. In XX/XX/XXXX, I was finally allowed to apply for the XXXX XXXX XXXX, provided I agree to auto deduction from my bank account and make three " qualifying payments '' into the program. I asked what would happen to my account since it was showing as past due. I was told to not worry about it, as Navient does not report anyone to the credit bureaus until at least 90+ days  delinquent ( I was around 45 days ) and they ABSOLUTELY do not report while anyone is in a qualifying period for a new rate program. I was told that IF my account was still delinquent after the three month qualifying period, then i would be reported to the Credit Agencies. 6 weeks into my qualifying period, and after a successfully making 2/3 payments, I was reported to the bureaus as being " severely delinquent. '' I called navient, spoke to a " supervisor '' who told me this was a processing error and that should have not been reported. I asked what would be done to fix this and they stated they can file a retraction, but it would take a month to process. I asked how I was to know this got done, and was told " well i will make a note on your account. '' I then asked for copies of the " notes '' on my account and was told that i could not access them, as they were internal documents and that it was not appropriate for me to have access to my own personal loan records. This was in XX/XX/XXXX. In XX/XX/XXXX I called back to ask what was going on with my retraction, as my credit score has plummeted, I can not purchase a home, move out of my parents home or refinance my car. In speaking with the " supervisor '' XXXX, employee XXXX, I was told that no such retraction had been made, and further more, she had no knowledge of the program in which i was entered, so therefore she really couldn't do anything to help me. I asked to file a formal complaint within the company as this was now the third time i was told a retraction would be filed and my credit score repaired, as much as possible, and each time i call to check on the status i speak to someone who has " know knowledge '' of these issues, even with all the " notes '' on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lets get Straight into this, All 3 Credit Reporting Private Companies has a account on my Credit report that shouldnt be on there. Actually by Law nothing should be on my Credit report sue to the Fact I havent giving anyone permission to report anything on my credit Profile I have the right of privacy They have a account from XXXX XXXX Bank and all 3 Private Data Reporting Companies have something different on their for the Account Status. Im going to start with Trans Union, has the Account listed as In Collection/Charged off. This XXXX  XXXX Account cant be a Charge of because that means that XXXX XXXX Bank gave up the Debt in most cases filed a Insurance Claim, also will be receiving a Tax Write off.. As for the Collection part, how do the Credit Reporting even know that this account for XXXX XXXX Bank is in Collections when a the Collection company at hand never even Posted yet. Another pointer is that until the Debt Collection Compnay sends over the Validation not Verification I requested the Acount may not even be mines. Im attaching a file with this letter showing that This account should be Deleted according without any Delay. 

Now on to XXXX. XXXX has this Account listed as a Charge off, and as I stated Earlier in this letter that this isnt a Charge off. A Charge off is when the Granting Company just throws in the Towel and take a full lost. Actually its not a Full lost because They fill an Insurance Claim to get paid, also write it off on their yearly Taxes. Basically they are getting paid twice for it, and also when a Company Charges Items off the Consumer isnt held reliable for that Account because the Granting company took it upon themselves to Charge that Account off. So please remove at Once. 

Now For XXXX. 
XXXX Also has this account showing as Charged off. Clearly you can read the above statement about Charge Offs, so Im not going to get into that. I could tell you this though., These Credit Reporting Companies are illegally False Reporting. This Account was never Charged off, nor do they know its in Collections. They are breaking the law, in the attachment Im attaching to this XXXX XXXX Bank Clearly says they Sent these False Credit Reporting Companies a message to DELETE THIS ACCOUNT because they dont want their name on anything. Once again the Law has Been broken by these Private Companies whom call themselves a Bureau, when Actually their criminals due to the reason I didnt give my consent to post anything on their Reports or whatever you want to call it. My right have been violated, my right to my privacy must not be a Great American Law anymore. 

Please remove this Account from your reports or be prepared to be Sued In the Words of the late Great Donald Trump Lets make American Great Again
Product: Credit reporting or other personal consumer reports

Information still showing on consumer report after TransUnion send paper showing it was deleted on XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Subject : Dispute of Accounts ( per 1681o for Civil Liabilities of Negligent Noncompliance ) Dear Sir/Madam, I am writing to formally dispute the following accounts on my credit report : XXXXXXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX - {$710.00} XXXX XXXX - {$1300.00} XXXXXXXX XXXX XXXXXXXX - {$1000.00} In accordance with the Fair Credit Reporting Act ( FCRA ), section 1681o, these accounts are inaccurately reported and must be removed immediately due to negligence. While I am aware of current lawsuits against credit bureaus for similar issues, my goal is simply to ensure accurate reporting and resolve this matter promptly. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX