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

How 15 U.S.C. 1681 ( a ) Demonstrates the Unfairness of XXXXXXXX XXXX XXXX XXXX XXXX XXXX Late Payment Reporting The late payment reporting by XXXX XXXX XXXX XXXX XXXX to credit bureaus is fundamentally unfair under 15 U.S.C. 1681 ( a ), which establishes Congress 's findings about the importance of accuracy, fairness, and respect for consumer privacy in credit reporting. Here 's why : Inaccuracy and its Impact on the Banking System : Section 1681 ( a ) ( 1 ) highlights that the banking system relies on fair and accurate credit reporting. Reporting my payment as late when it was made in accordance with my obligations ( or disputable otherwise ) creates inaccuracies that not only harm me as a consumer but also erode trust in the banking system as a whole.

Unfair and Unjust Reporting Practices : Section 1681 ( a ) ( 4 ) mandates that consumer reporting agencies and their partners operate with fairness, impartiality, and a respect for consumers ' rights. XXXX XXXXXXXX XXXX XXXX XXXX XXXX decision to report the payment as latedespite applicable protections under the Truth in Lending Act ( 15 U.S.C. 1666b ) violates these principles. Such reporting undermines my right to privacy and fairness. 
Failure to Ensure Accuracy and Confidentiality : Section 1681 ( b ) states that credit reporting systems must meet the needs of commerce in a fair and equitable manner while upholding confidentiality and accuracy. XXXX XXXX XXXX XXXX XXXX XXXX actions in reporting this late payment contradict this requirement by creating an inaccurate record, which could result in undue harm to my creditworthiness and reputation. 
Violation of Payment Timing Protections ( 15 U.S.C. 1666b ) : According to 15 U.S.C. 1666b, a creditor can not mark a payment as late if it was received by 5 p.m. on the due date in the correct amount and format. If XXXXXXXX XXXX XXXX  XXXX XXXX reported my payment as late when it met these criteria, they directly violated this provision, further compounding the unfairness of the reporting. 
Request for Resolution To rectify this unfair and inaccurate reporting, I request that XXXXXXXX XXXX XXXX XXXX XXXX XXXX -Remove the late payment entry from my credit report immediately. 
-Notify all relevant credit reporting agencies of this correction to ensure that my credit report accurately reflects my payment history. 
-This action is necessary to restore fairness and accuracy to my credit report, as required under the Fair Credit Reporting Act and the Truth in Lending Act.
Product: Debt collection

Notice to Cease and Desist To Whom it May Concern, This is in reference to the Consumer Report sent to me dated XX/XX/. While checking the above report, it came to my notice that your Company ( SUNRISE CREDIT SERVICES ) has furnished ( 1 ) account on my report, account numbers ( None listed ), XXXX XXXX XXXX XXXX XXXX amount listed {$78.00}. 
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 
Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company ( SUNRISE CREDIT SERVICES ), except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 
If you do not cease communication a lawsuit will be commenced against you.
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 of privacy. 
1 ) XXXX XXXX XXXX -Acct # XXXX 2 ) XXXX -Acct # XXXX. 3 ) XXXX XXXX Acct # XXXX 4 ) XXXX -Acct # XXXX. 

15 U.S.C. 1681 Section 602 A. States I have a 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 reporting 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 card or prepaid card

XX/XX/18 refund of XXXX was issue never posted on my acct. Merchant show a refund of this amt
Product: Checking or savings account

I deposited my stimulus check through mobile XXXX app I went to withdrawal XXXX them XXXX hours later it says negative when I had more than {$1000.00} dollars left
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic I was affected and missed a payment for 30 days and the government announced a an extension in the payment and they did not do it.
Product: Credit reporting or other personal consumer reports

I have been disputing negative and fraudulent Items in my credit reports since XX/XX/XXXX. Experian, XXXX and XXXX are constantly bouncing my information back and forth, they are always adding derogatory items on my credit reports. They are constantly sharing my personal private information without my permission they are constantly violating The Privacy Act of 1974, Experian, XXXX and XXXX are extremely negligent they constanly violate 15 U.S. Code 1681s. They are supposed be truthful but they just lie they constantly send me the same computer generated responses and they tell me I'm not truthful. I have submitted multiple identity theft reports, they all owe me {$50000.00} each, one day they will remove items and then the next day they add items that are not mine. they violate 18 U.S. Code 242 and 15 U.S. Code 1681n They constantly break the law. I have not been able to get approved. On XX/XX/XXXX they removed the XXXX account and they blatantly disregarded the attorney general of Massachusetts they also violate 15 U.S. Code 1692 XXXX, XXXX and Experian are violating UCC 1-103 : Duty of good faith and fair dealing. 
UCC 2-305 : Implicit contractual obligations requiring equitable exchange.

UCC 9-102 : Protection of intangible property interests. 
Additionally, I suspect that Experian, XXXX and XXXX 's actions, including the unauthorized use and monetization of my data, may involve the private securities market, with significant tax implications. I have requested a forensic securities audit to uncover the extent of these practices. They break every FCRA law including 15 U.S. Code 1681e. I have submitted affidavits under penalty of perjury and they still provide no proof or help. XXXX, XXXX and XXXX pose as " Credit Bureaus ''. but they are not Federal, Bureau means federal. These are privately owned data mining companies. They get to s
Product: Mortgage

To who this may concern, XXXX/XXXX/XXXX My name is XXXX XXXX, I have contacted your company before due to our mortgage company not following guidelines about our modification. XXXX bank seems to have done it again, and refused our payments and according to the FHA guidelines if we live within a XXXX miles radius of one of their offices the company is to send an agent for a sit down conference, this never happened and we live within a XXXX mile radius of a branch in XXXX Michigan. Instead we had our payments refused on and off since XX/XX/XXXX, then XX/XX/XXXX, refused again in XX/XX/XXXX and then accept it again XX/XX/XXXX, and then refused the entire rest of XX/XX/XXXX only to have the payment accepted again XX/XX/XXXX. Our mortgage was then sold to Planet Home Lending who is a debt collection company and has also refused our payments from XX/XX/XXXX all the way up until XX/XX/XXXX and we were told they were attempting to collect a debt we would not have had if XXXX had just accepted the payments and followed the guidelines they were required to by law, Planet Home Lending then did a trial modification for 3 months, XX/XX/XXXX to XX/XX/XXXX. When that was done our payment in XX/XX/XXXX was refused, when asked why this happened, I was told by XXXX XXXX the modification was accepted, we then received permanent modification papers to be returned no later than XX/XX/XXXX with the first payment, which was n't due til XX/XX/XXXX, however we are also being charged and additional {$5100.00} for legal and attorney 's fees. I do not believe we are responsible for all this, due to the fact we made our payments on time and monthly, the payments were refused. We are now responsible for extra fees we did not cause and we have been placed with a debt collection company for a debt we did not accrue. I have all the documents to prove we made our payments and we even had to hire an attorney to explain why this was happening. I am at my wits end our payments have increased over {$100.00} a month, and we were not in the wrong or at fault for this to happen, how can a company cause this kind of issues and get away with it? 

Thank you for your time, XXXX XXXX
Product: Debt collection

I have contacted Comenity Bank as well as XXXX XXXX XXXX in regards to a collections account that resulted from a fraudulent account with XXXX XXXX XXXX. This account is as a result of identity theft. I have stated this information to both creditors and they have disregarded my claim. They continue to send me statements of the account but have failed to validate the debt as belonging to me. I have requested an application bearing my signature and a copy of my identification proving that I was the party that opened the account. So far they have not provided me with this proof. 

Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. THis is damaging my credit rating and causing me a lot of stress.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries are on my report that resulted from identity theft. I have notified Experian and provided my identity theft report but the inquiries are still on my report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Spring Oaks Capital was sent certified mail yet keeps illegally reporting to my consumer reports for {$660.00} without my consent or an option to opt out of reporting after they were notified they were in violations of my rights. 15 U.S. Code 6802 - Obligations with respect to disclosures of information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, natural person, consumer, am aware of all rights that I have, which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts listed in the company 's response has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Account Name : CAPITAL ONE AUTO FINANCE Account Number : UNKNOWN 15 USC 1681 Section 602 A. -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 an account without written instructions from the consumer. 

DELETE THIS ACCOUNT IMMEDIATELY, UNLESS YOU WANT TO BE HELD {$1000.00} PER VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Expressed to XXXX, XXXX, and XXXX ( not yet Innovis, XXXX XXXX, XXXX XXXX ) on several occasions to remove certain addresses on my report but they have not. I was embarrassed to say the reason but, I have a stalker that has caused harm, and sent threats at my current addresses and previous address ( upon the new residents that stay there ). This person has gained access to my information some how and I am asking that you please remove all addresses from my report and replace it with the po box that I put in the following letters. I have labeled the letters for each company and each letter includes personally identifiable information. Please not that by law you may not furnish any information and or adverse information without my handwritten consent. -15 USC1681 ( b ) ( a2 ) -15 USC1681 ( g ) ( a ) ( 1 ) -15 USC1681 ( c ) ( a ) ( 5 ) Please view the letter which is addressed to your company
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not adhere and follow the law that a credit agency was given by CFPB when it comes to the timeframe of validation of debt. Per CFPB regulation F subpart b 1006.34 ( b ) : ( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it. 
I am providing the laws that you ( CFPB ) have put in place to protect a consumer ; I have provided proof and sent a certified green card letter to Experian, XXXX, and XXXX proof that XXXX has not sent any validation of debt for all XXXX of my student loans in the 30 days, only a letter saying verify. Experian only updated and did delete off my consumer account, even with all the documents provided. Now it is your responsibility to have these credit agencies to abide by the federal laws ( you have written CFBP ) by removing all XXXX of my student loans from my consumer credit file. Since, Experian has not complied with the federal laws that are here to protect me ( XXXX XXXX XXXX, I am now requesting for CFPB to have these credit report agencies to follow your law and remove now! I have read the laws on what you as an agency must follow, and you have failed to act. I am not requesting for you to validate the information for me, I am telling your agency that I request for XXXX to validate all XXXX of my student loans and I only received one piece of paper without anything else according to CFPB XXXX, you as a consumer reporting agency is not above any law! As of today XX/XX/XXXX, I just receive a package from XXXX from my original request on XXXX XXXX and Complaint with CFPB XX/XX/XXXX, this is proof that it took 2 months for me to receive any information to my first original request for validation of debt on XX/XX/XXXX. I only receive 1 letter saying that an account is verify and accurate. That letter from XXXX does not follow the guidelines and law written by CFPB, which states what a validation of debt is and what is required by the debt collector/ servicer within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX lexus nexis inaccurate information to credit company or broker
Product: Debt collection

Information is inaccurate. Credit limit states credit card is XXXX and balance is different of over a XXXX dollars over.
Product: Student loan

On XX/XX/2014, I was accepted to attend XXXX University Online. I attended the school for about two years at the time. I did not have a high school diploma to attend this school but the advisor told me that I was okay he was going to accept me anyway and put me on the right track to get my XXXX XXXX XXXX in XXXX XXXX. I was young at the time and get have the best education growing up but I want to be somebody and this was it for me. after attending this school for XXXX  years with XXXX credits and a GPA of XXXX, I was also on the XXXX XXXX  List. I received a call from a new advisor they told me I could no longer attend this school when I asked them why they did not give me any information and I was terminated from the online school and lost all my credits this Crush my dreams from getting the job I wanted and moving forward in life. For the past few years, I have been struggling with fighting with this school to remove the remarks and the debt off of my credit and the money I did not receive. I still feel like I have been scammed by the school. they have ruined my credit for over 5 years now I have been turned down from a car loan personal loan or good job by having this on my credit as a debt this school has really ruined my life. I have tried many programs and went to the government website to file a complaint but have not received any answers. I did receive a letter from the government on a dispute letter saying that they were going to remove accounts off of my credit but after a few months the accounts were being updated and placed back on my credit I'm back to square one this is my only hope to getting my life back together and putting my family back on track. I have a XXXX son and I want to give him the world not have the best education but. I have the intelligence to keep pushing I am an entrepreneur so I made a way for the world to still see my gifts in repairing Electronics and making people happy but I'm still struggling because I'm unable to expand my business from this being on my credit I unable to grow with this heavy burden on me. it was a mistake for me to trust this school with my future but now my future is in my hands and if this doesn't work I will keep trying to find a way. I believe I will be successful one day and make my son proud. 

Ps Sorry if I misspelled anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Cosigned for a car for an X over eight years ago, it was never on my credit and all of a sudden its showing up on XXXX with the date XXXX XXXX I cosigned for this vehicle over eight years ago and he left with the vehicle. I never drove it. He was paying everything on it. I have no idea what happened to the vehicle. It was never on my credit with XXXX and now its showing up on there and I dont know why, they told me that I needed to get an FTC thats what Im trying to do so I can send the information to them because this is not my account and I dont understand why its on my credit all of a sudden two years ago when it hasnt been on my credit for almost over 10 years
Product: Credit reporting or other personal consumer reports

I sent your company a letter disputing account number XXXX with XXXXXXXX XXXX on XX/XX/year>. I received a response from you dated XX/XX/year>, where you stated that the items had been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the items have been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

After receiving a copy of my credit report, I noticed a debt in the amount of {$800.00} for a former residence of mine. I reached out to the collection agency for validation and received an invoice from the apartment complex. In XX/XX/2018 I took the apartment complex to court for the debt and through Mediation, the amount owed was invalidated. The final agreement signed by all parties shows the complex owed me {$300.00} and I owed them the same amount. This means the amount is negated. National Credit Systems continued to report the balance as {$800.00}. I disputed it with the credit bureaus and National Credit Systems updated the balance to reflect {$300.00}. As recently as 23 days ago they continue to falsely report this acount.
Product: Bank account or service

Bank of America solicited me via their website for opening of a checking account. The solicitation included an offer of {$300.00} for the opening of a new checking when there are XXXX direct deposits of {$2000.00} apiece. Their terms included a mention that deposits should come from an employer or an outside agency. I had XXXX deposits of greater than {$2000.00} within the XXXX month of opening the account, and yet, no reward deposit. I waited for processing times, and then began to look into the issue, at which point I was informed by customer service, including a supervisor, that my deposits were not 'qualifying ' and that I would therefore not be receiving the new account promotion. I informed them that I had a copy of the original terms, and they were unwilling to resolve the issue by crediting my account with this promotion. I was told that the promotion was entered on XXXX ( which is a week after the account was opened ). XXXX of the qualifying deposits was received on XXXX, and I think the holdup on the processing is due to the delay on Bank of America 's part in properly coding my account. I received conflicting information from a supervisor, who attempted to then tell me that the promotion was processing, but failed to provide me with concrete resoution to the conflicting information and did not provide a timeline for when I could expect to see the credit. I feel this is textbook 'bait n switch ' advertising, and that their institution hoped I would go away or did not have my ducks in a row. I have attached a copy of the original promotion as well as activity statement showing the deposits.