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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.
Product: Mortgage

I got a letter mid XX/XX/XXXX that my town had not received my RealEstate Taxes that were supposedly paid XX/XX/XXXX from my XXXX account at loan care. I contaceted loan care to resolve the issue and sent in supporting documents. They said would be handeled in the next 10 days. I waited XXXX week and checked back in and they said was taken care of. I then called the town office and they still had not heard from Loan Care. I called them back and they said that they called on XX/XX/XXXX and talked to XXXX and she said everything was all set. My town office is closed on XXXX and There is no XXXX that works there. They said that they would lescalate and take care of by the next day as I am facing a Lein on my property. Called the next day and they said another XXXX business days. I told them not acceptable as the Lein will be placed before then and she said there is noting I can do and hung up. I want LoanCare to take care of this issue ASAP!!! This is not acceptable.
Product: Credit reporting 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 these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance Owed : {$8600.00} XXXX  XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX Balance Owed : {$84.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$5100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX , SC XXXX.
Product: Debt collection

Due to the negligence of XXXX I was subjected to abusive, deceptive, and unfair debt collection practices including the loss of my job on XX/XX/XXXX. Being an employee at XXXX affected my mental, physical, and emotional health. 

XXXX unlawfully garnished my employee compensation without my consent which led to a downward spiral in my life. XXXX is willfully in violation of 15 U.S. Code 1692e ( 4 ). I lost everything. My shelter and independence. I was no longer to afford my expenses to live once XXXX started the garnishment. 

I have been unable to afford shelter and now rely on the assistance of loved ones since my termination. I experienced personal injury due to the negligence of XXXX. Including loss of enjoyment of life. The injury affected my physical health, mental health, emotional health, ability to perform given activities resulting in the loss of employment. I have not been able to work since being terminated from my position at XXXX. I have experienced XXXX, extreme financial strain, no medical care or coverage, financial instability, damaged reputation, familial strain, relationship instability, and invasion of my individual privacy. I have been left completely disadvantaged. 

XXXX garnished my employee compensation for two alleged debts. The first garnishment was from XX/XX/XXXX until XX/XX/XXXX. The second garnishment was from XX/XX/XXXX until XX/XX/XXXX. 

This caused my mental health to be affected. I had to go on both short and long term disability. I have loss the ability to function and have been plagued by XXXX XXXX XXXX. I was once prescribed meds to cope but have not been able to afford the medical attention I need. I included a copy of one of the recertification forms from my doctor during the time of the garnishment. I was unable to perform every day tasks. I lost the enjoyment of life. I have not had any medical care and have not had access to counseling and therapy since my termination. 

I have requested that XXXX provide me with termination papers but have not been furnished with anything including documentary evidence. I requested that my full file be provided to me for the entire duration of my employment including W2s. I was employed with XXXX for XXXX XXXX and XXXX XXXX, from XX/XX/XXXX until I was terminated on XX/XX/XXXX. I have not been employed since my termination and still experience XXXX from my employment with XXXX. XXXX has abused and injured me. 

I also was subjected to abuse by XXXX by being subjected to deductions and withholdings of funds from my compensation. I dispute the validity of every single debt, deduction and withholding that transpired. Including medical benefits, 401 ( k ). I am the original creditor and have been violated under the Truth In Lending Act and the Fair Debt Collection Practices Act. 

My legal name has changed since my employment and I have included a copy of the court order as an attachment,
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian XXXX and XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated. 

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.

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!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX was XXXX, XXXX, XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : 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 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 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 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 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
Product: Debt collection

Im not liable for this debt with CAINE & WEINER COMPANY, I do not have a contract with CAINE & WEINER COMPANY. They did not provide me with the original contract as I requested.
Product: Debt collection

Good morning. I received and alert from my credit service about a Collection flag in my credit report. It said it was from a XXXX XXXX XXXX account never paid. I only have XXXX XXXX account with XXXX XXXX XXXX. Also, I went to XXXX XXXX XXXX to ask if they are having any account in my name besides my XXXX XXXX, they said NO, no account in my name besides XXXX XXXX. 
The company Colletion name is : M.R.S ( www.MRSBPO.com ) Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX  Phone : XXXX XXXX XXXX  Blance date : XXXX XXXX Balance : XXXX  Here is the copy of the document they send me : XXXX XXXX XXXX   Payment Link Creditor : XXXX XXXX  Creditor Acct # : XXXX XXXX XXXX # : XXXX ACCOUNT BALANCE : {$1400.00} Dear XXXX XXXX XXXX XX/XX/2023 We recognize that sometimes circumstances or events can make it difficult to satisfy your financial obligations. We are presenting three options to resolve your balance. We are not obligated to renew these offers. 

Option 1 : Make 1 payment of {$1100.00} to be received by XX/XX/2023. 

Option 2 : Simply pay 2 monthly payment ( s ) totaling {$1200.00}. Your first payment of {$620.00} is due by XX/XX/2023. Remaining payments of {$620.00} are to be received by the XXXX of each following month until the total discount offer of {$1200.00} is paid. 

Option 3 : Simply pay 3 monthly payment ( s ) totaling {$1400.00}. Your first payment of {$460.00} is due by XX/XX/2023. Remaining payments of {$460.00} are to be received by the XXXX of each following month until the total discount offer of {$1400.00} is paid. 

Payment may be made by calling ( XXXX ) XXXX, mailing to the address below, or by using our online payment website at https : //portal.mrsbpo.com. 

When you call please let our representative know that you have received the XXXX XXXX option letter. 

Sincerely, MRS ASSOCIATES ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card

A formal complaint was filed with Consumer Finance ( # XXXX ) against Synchrony Bank regarding issues with transactions and a loss of payment amounting to {$500.00}. On XX/XX/XXXX, an additional payment of {$400.00} was made, yet this transaction was also marked as late, despite being paid early, resulting in the imposition of late fees. Although Synchrony Bank corrected the accounts, they subsequently reduced our credit limit in retaliation and are attempting to close the account. 

I have made multiple inquiries to understand their business practices. We have consistently made substantial payments to the account, often before the due date. I communicated to a Synchrony representative that the frequent changes in due dates create difficulties in posting payments on time and result in irregular late fees. If this is their standard administrative practice, the collection of late fees from customers would be disproportionately high. For instance, a customer might expect their payment due date to be the XXXX of the month, but Synchrony could change it to the XXXX, leading to a late charge. 

I believe these business practices are unethical. Therefore, I am requesting that Synchrony Bank restore my credit limit to the original {$2000.00}, as we have never been late on this account, and ensure the account is in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my report today and I noticed some inquiries on my report that Im not aware of as you know reporting anything inaccurate on my report is against the FCRA and it needs to be eliminated immediately. I dont mean to be so upfront but Im trying to better my life and this is holding me up .. 

Inquires : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Vehicle loan or lease

1. Ford Motor Credit Company closed the auto loan in XX/XX/XXXX without notifying me in writing per the loan agreement. 
2. Ford Motor Credit Company tried to repossess the vehicle in XX/XX/XXXX without providing the 10 day notice in writing per the law requirement. 
3. Ford Motor Credit added {$12000.00} in interest after the company closed the loan and marked charged off. No additional fees or interest can be added afterwards. 
4. Ford Motor Credit refuses to provide reasonable accommodations to make monthly payments, re-open the loan or allow for refinancing with another financial institution.

5. Ford Motor Credit reported falsely on my credit report.
Product: Credit reporting or other personal consumer reports

This report is not a duplicate report. I did not hire a credit repair agency or a XXXX party to submit this complaint. 

I recently obtained a new copy of my credit report and noticed there are some violations that need to be investigated. In accordance with the FCRA LAWS the below accounts have violated my rights according to 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 an account without my written instructions. 

Account Name : XXXX XXXX Account # XXXX Acct Name :XX/XX/XXXX Acct # XXXX Acct Name :XX/XX/XXXXAcct # XXXX Acct Name :XX/XX/XXXXXXXX Acct # XXXX Account Name : XXXX XX/XX/XXXX Original Creditor : XXXXXX/XX/XXXXXXXX A Acct # XXXX Acct Name : XXXX XXXX Account # XXXX Acct Name : XX/XX/XXXXXXXX Acct # XXXX Acct Name : XX/XX/XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XX/XX/XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Furthermore, please provide the XXXX following things for further investigation on my end : XXXX. The Original Contracts Of All Accounts With My Wet Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report. Thanks
Product: Money transfer, virtual currency, or money service

Money was sent to another person via Zelle but it was a scam. I was not notified nor asked to confirm information prior to sending. Money was never returned.
Product: Credit card or prepaid card

I am a victim of Identity theft. I have fraudulent accounts opened in my name without my knowledge. I need these unauthorized accounts removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are continuing to report inaccurate information on my credit file, accounts that are not mines, inwhich I'm holding them accountable for, for reporting un verified accounts. Accounts inwhich has not been physically verified by physical documentation but by electronic Verification alone, inwhich by law and as a general rule can not be accepted as proof .So I'm demanding that either these accounts be physical verified or block these accounts immediately. 

1 ) XXXX XXXX 2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX   XXXX 5 ) XXXX XXXX {$8800.00} 6 ) Dept of Education {$4500.00} 7 ) Dept of Education {$3500.00} 8 ) Dept of Education {$2200.00} 9 ) Dept of Education {$2100.00} 10 ) Dept of Education {$2000.00} 11 ) Dept of Education {$1700.00} 12 ) Dept of Education {$1700.00} 13 ) Dept of Education {$1300.00} 14 ) Dept of Education {$1000.00} 15 ) Dept of Education {$1000.00}
Product: Student loan

Ive reached out for a refund twice, because I havent received any email stating that it was being processed or requested. Its been a month and have been given no timeline, especially with student forgiveness my full balance to be paid wont be shown.
Product: Bank account or service

My wife and I have XXXX IRAs with Morgan Stanley. Since our balances were below a certain amount ( XXXX have a little less that {$2900.00}, but over {$2500.00} ) they have been selling off shares every year to pay a " past due acct fee '' totaling {$50.00} to {$150.00} per year ( the statements and wording is hard to understand ) Last year was the first time I realized what they were doing. So of course the accounts have never gained much in value, as the fees wo n't allow it. 

My wife 's account ends is XXXX So the company that should be helping me accumulate wealth is doing just the opposite to me and my wife. 

What is surprising is that I 've been with them since around 1996 and have a third account that has had values between {$25000.00} to {$50000.00} and no advisor has ever suggested that I do something different to avoid these fees.
Product: Credit reporting or other personal consumer reports

My credit reports are extremely inaccurate and incomplete! The FCRA states that everything reported must be 100 % accurate and my reports are the exact opposite of that. Payment dates, open dates, and amounts are not reporting accurately across Experian, XXXX, and XXXX 's credit reports. inaccurate credit reports have ruined my reputation with the banks and I am unable to take care of my family like I need to. I need all inaccurate accounts removed immediately or I will be forced to take legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent certified mail to Equifax advising them of me being a victim of Identity theft and I do have the Certified Mail receipts. It has been over 30 days since EQUIFAX received my correspondence which contained my VALID DRIVERS LICENSE, Notarized FTC ID THEFT AFFIDAVIT, FTC Report and I have not received any other notices that the FALSE information therein was DELETED, and yet this FALSE inaccurate information still remains on my file with the last investigation