23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, specifically section 602 ( a ) of 15 USC 1681, it is crucial for consumer reporting agencies like XXXX and XXXX to fulfill their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801. This law states that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. 

Under section 604 ( a ) ( 2 ) of 15 USC 1681, consumer reporting agencies such as XXXX, Transunion and XXXX are only permitted to furnish a consumer report under specific circumstances, one of which is when they receive written instructions from the consumer. I have not provided written consent to these agencies or the furnishers of information, and any previous consent, whether verbal, non-verbal, written, or implied, is hereby revoked.

Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer has been informed of their right to choose not to disclose. However, the furnishers of information to credit agencies failed to inform me of this right. 

Furthermore, as per 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is prohibited from including certain adverse information in a consumer report unless authorized by subsection ( b ). This adverse account, which is being reported without my consent, falls under the category of unauthorized information according to the law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that no person should furnish inaccurate information to a consumer reporting agency if they are aware or have reasonable cause to believe it is inaccurate. XXXX  and XXXX, therefore, are in violation of this provision.

To maintain compliance with the law, every consumer reporting agency must establish reasonable procedures to prevent violations of section 1681c and restrict the provision of consumer reports to the purposes outlined in section 1681b, as stated in 15 U.S. Code 1681e. Unfortunately, XXXX and XXXX have failed to uphold these reasonable procedures. 

Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services. This means I no longer wish to be included in your reporting activities.
Product: Credit reporting or other personal consumer reports

This correspondence is to notify EQUIFAX that there are fraudulent account ( XXXX ) resulting from Identity Theft being furnished on my consumer report that must be removed. 15 U.S.C. 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate ''. 15 U.S.C. 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c ofthis title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title ''. EQUIFAX is not maintaining reasonable procedures. Please see attachment for further details.
Product: Money transfer, virtual currency, or money service

I contacted Remitly regarding money in the amount of {$3000.00} that was sent to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX and they tell me they will not refund my money even though it was a fraudulent transfer, however it is their policy to get ID information and contact information from the person receiving the money. My bank has been notified and is conducting an investigation into this matter. XXXX XXXX XXXX stole from me and my company and I want him held accountably and charges filed against him!
Product: Credit card

This concerns AT & T Universal credit card, which is a Citibank product. I have had an account for years with them. I pay my credit card by accessing their website and scheduling a payment to be deducted from my bank account, after I receive my statement. I annotate my ( electronic ) checkbook register as to the date I schedule the payment, which is shown in the register to be paid on the due date. My payment history shows a late payment here and there over the last five years. It also shows that the allegedly late payment is made immediately upon notice the payment is late. I have been perplexed by this as I am vigilant about credit card payments and do NOT have this issue with the numerous other credit card vendors with whom I do business. Based on this week 's recurrence, I now believe that Citibank deliberately but randomly fails to pull the scheduled payment to support its decision to maintain a default interest rate on the account. Up until today, I had not had a defaulted payment in a year and a half. I have been demanding a reduction in the interest rate ( it sat at 28.99 % after ONE day-late payment in 2012 for months, and has failed to drop below 25.74 % since then. I will upload the complaint I filed THIS WEEK with Citibank before this latest stunt. I can not help but believe they are doing this to consumers everywhere, as it is very hard to catch them at it. I have been blaming myself for inattentiveness for years but am now convinced that they have a deliberate policy in place. Also attached is a snapshot of my chat with them this morning. After my last comment, I received absolutely no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing this letter to file a formal complaint with santander usa. The company has reported my account past due when I was told on several calls that it would not if I continued to make the payments due to the account having reached maturity. The goal was to get a modification approved. I specifically asked if i was ok with making the normal payments and that my account would not be adversely affected. The agent assured me that it would not and they would offer a modification to take care of the remaining balance. To my surprise of the weekend of XXXX XXXX was notified of the late payment status to the credit reporting agencies. In addition, the modification documents for signature and the email noted it would deactivate on the XXXX. I attempted to access the document on the day and was given an error message. I am currently under going a refinance of my house. I acted on the advice from the agents regarding payments which appears to have been incorrect. I respectfully ask that this 30 day be removed from my credit report. I only did what i as told. Listed below are the times and agents i spoke with. 

Thank you very much. 

XXXX XX/XX/XXXX- Agent badge XXXX XX/XX/XXXX - Agent badge XXXX XX/XX/XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Subject : Notice of Intent to Pursue Legal Action for Misreporting First Date of Delinquency XXXX XXXX 
Portfolio recovery has documented history about reporting untrustworthy information on credit reports .I have stated numerous time this account was delinquent on XX/XX/year> with the original creditor. 
Portfolio recovery is lying and being untruthful about the first date of delinquency. 
I am writing to express my grave concern regarding the misreporting of the first date of delinquency for the debt in question. It has become apparent that the information provided by your agency is inaccurate and potentially harmful to my credit standing. 

I must emphasize the seriousness of this matter. Misreporting the first date of delinquency is not only a violation of the Fair Credit Reporting Act ( FCRA ) but also constitutes an intentional misrepresentation of facts. This has the potential to negatively impact my creditworthiness and financial well-being. 

I hereby demand that your agency rectify this situation immediately by providing accurate information to the credit reporting agencies. Failure to do so will leave me with no choice but to pursue legal action against your agency for deliberately misleading reporting practices. 

Please be advised that I am prepared to take all necessary steps to protect my rights under the FCRA and seek appropriate remedies for any damages incurred as a result of your agency 's actions. This may include but is not limited to, initiating a lawsuit against your agency for willful violations of federal law.

I strongly urge your agency to take this matter seriously and take immediate corrective action. I expect to receive confirmation of the accurate reporting of the first date of delinquency within specify a reasonable thirty days from the date of this letter. 

Should you fail to comply with this demand, I will have no choice but to pursue legal recourse without further notice. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX switched banking partners from XXXX XXXX to New York Community Bank ( NYCB ). After this change was announced, I was forced to deposit my funds to NYCB because the external accounts transfer feature was not working. After creating my NYCB account through the XXXX portal on XX/XX/22, I initiated a small transfer of {$100.00} to an external account on the same day, XX/XX/22. After nearly 2 weeks, those funds have not been delivered and XXXX has provided no support in the matter. The customer facing agents say they escalated the case, buy my {$100.00} is still missing. I have already contacted my external bank and there is no indication of a deposit from XXXX. The funds were never received by the external bank and therefore not received by me. XXXX continually dismisses the issue and says it is not their problem, yet they do not have an escalations or fraud department for me to speak to directly. As it stands the entirety of my account with XXXX is inaccessible. With no support or ATM card available from XXXX my money is stuck in a limbo. I intend to close my account, but I can not trust them to successfully transfer my entire account if they can't even transfer {$100.00}. This is unacceptable. 

( Previously submitted XXXX but realized the bank should be listed as NYCB and not XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I Dispute this account to Experian, XXXX, and XXXX. 
However the credit bureaus said that they have completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and How did they complete this investigation.
Product: Credit card or prepaid card

After receiving the XXXX card I tried to set up an online account. I was unable to do so. I also had not received a bill in the mail. I tried calling customer service on my lunch break a few times but the wait time was too long. On XX/XX/XXXX, when I finally had a day off I tried calling again. Unfortunately my first payment was past due by this time. I explained to XXXX XXXX in customer service ) that I was not able to set up an online account. After helping me He realized the system had my social security number wrong. He informed me that my account would be locked and I could make a payment in 3 days. He also removed the late fee of {$25.00} because it was their error. On XX/XX/XXXX I made a payment of {$30.00} because that was the minimum amount. I thought the account was fine. I still had not received a bill and being confused from the account being locked, I didn't realize the system expected another payment on the 3rd for {$55.00}. I got an email about the late payment. I tried speaking with customer service twice, but to retaliate against me they refused to help with the late fee. I paid {$35.00} on XX/XX/22 and on XXXX {$40.00}. A manager named XXXX rudely told me that I Didn't seem to have a problem using the card for purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report was created on XX/XX/18 for Uber Technologies.
Product: Debt collection

Portfolio Recovery Associates has sued me, filling a complaint with the XXXX county clerk of courts yet I have not been served or received any information from them directly in order to address the issue. I have received several legal advertisements from folks wanting to help me defend them. This is not legal, a suit has been filed civil suit no # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed.

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I Have tried to opt out of Jefferson Capital Systems reporting Non-Public personal information on my credit report, for one because I have no contracts with them,2 the debt is now a certificate of indebtedness which is now income and income can not be reported on my credit report, XXXX per the FCRA it is my right as a consumer to opt out of the disclosure of any non-public personal information.
Product: Debt collection

I sent a debt validation letter on XXXX  through certified mail. I have not received a response yet they are still reporting the debt.. They called me years ago claiming I owed this debt at which time I denied the debt. I am going through my credit report to find this debt listed so I sent a validation letter. I don't believe I owe this debt hence wanting to get validation of it. They have failed to respond to my request per their obligation under the Fair Credit Reporting Act
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX XXXX  was scheduled to come to my home to install floors in 2 bathrooms. As part of the terms, I agreed to a one day install and to purchase the materials. The installer took the last material to be installed, stating he had something that would look better, and that he would return the next day. Since this was my second install with XXXX, and the installer had been to my home before, ( trusted him ) I did sign for completion. The installer never returned to complete the work and never returned the materials I purchased. I contacted the company and the installer directly until XX/XX/XXXX and then I filed the dispute. As of XX/XX/XXXX, the work remains incomplete. 

The work was to be financed by Fortiva Credit services. On XX/XX/XXXX, I opened a dispute with Fortiva. On XX/XX/XXXX, Fortiva denied my dispute stating I signed the certificate of completion, despite the fact that Id sent pictures showing the work was incomplete. Fortiva has now added this to my credit report for a total of {$1500.00}, for work and materials not provided as agreed. I disputed this on XXXX XXXX on XX/XX/XXXX and was advised today that the item would remain on my credit report. 

Last XXXX, Fortiva opened a second account in my name, without my full legal name on the card. When I realized this in XXXX, they insisted I opened the account by applying for credit online in XX/XX/XXXX. This is also inaccurate. I was able to close that account after multiple transfers with customer service. 

Fortiva recently sent my husband, at same address, a credit offer.
Product: Credit reporting or other personal consumer reports

Social security number is XXXX On XXXX theirs two negative items the negative items are credit collection and the other negative item is 60 day late both items are fraud they supposed to be removed from my XXXX credit report I filed a federal trade commission identity theft report on and on equifax theirs only one negative item s that's 60 days late it supposed to be removed from my equifax Credit report and XXXX XXXX theirs three negative items that are charged off they are fraud please have XXXX XXXX also removed all the fraud credit hard inquiries
Product: Credit reporting or other personal consumer reports

I believe I am the victim of Identity theft pursuant to section 605B please remove these fraudulent accounts from my report.
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. 

XXXX, XXXX XXXX : XXXX, XXXX  : XXXX, XXXX XXXX XXXX XXXX I : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : 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 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

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all the inaccurate accounts below be updated immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These victims and survivors are being deprived of an equitable resolution under the Debt Bondage Repair Act and Experian is violating FCRA 605C by delaying the process of blocking information within 4 business days. Experian is also violating the requests of consumers who have authorized XXXX XXXX XXXX as their point of contact and as their representative. 

The Bureau is revising the text of the rule in 1022.142 ( b ) ( 6 ) ( ii ) to s

pecifically provide that the documentation, which may consist of a statement prepared by the consumer, identifying adverse items of information may also be prepared by a designated representative on behalf of the consumer.

The Bureau notes this approach will reinforce the need for consumer reporting agencies to accept trafficking documentation, as required under 1022.142 ( d ) ( 1 ), from third parties identified as assisting with or acting on behalf of the consumer The Bureau also understands some consumers who are victims of trafficking may prefer to provide the physical or email address contact information of the consumer 's designated representative instead of the consumer 's contact information. Accordingly, consumer reporting agencies must use the preferred method of contact identified by consumer pursuant to 1022.142 ( b ) ( 6 ) ( ii ) for communications under 1022.142 ( d ) through ( f ) even if the preferred contact is the consumer 's designated representative and not the consumer.
Product: Credit card or prepaid card

I was stunned once I viewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020, my previously earned miles from Discover Card Services was unexpectedly converted to cash. There was no notice given. Contact with the company stated that : " I am so sorry about this happening, but I can send you the terms for your account where it will talk about cashback/miles being forfeited or cancelled at our discretion. Would you like me to do that? '' They then disconnected the chat on me after I wasted an hour with them. 

I will be closing my account and advise others to as well.
Product: Debt collection

This collection is on my credit report. Never used or heard of the issuing bank before, never received any contact from the collection agency, yet this has been on my credit report since XX/XX/XXXX it appears. I would think that if this was legit I would have gotten calls or letter in the mail within the last 8 months, but not a single call or letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know why these inquiries are on my credit report. Experian refused to remove them and told me to contact the companies that made them. There is no information to contact these companies ( no phone number or address to dispute inquiries ) and Experian doesn't even give the full name of the company. So how am I supposed to contact all of these companies? 

Here is a list of all the inquiries that are incorrect : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXX Important dates XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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