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

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX Bank online system was hacked in approximately XX/XX/2018. My login information was changed, then my mailing address was changed and a new card requested in a different state. Subsequent charges were made by a thief. As soon as I became aware I notified XXXX XXXX. For the last two years I have fought XXXX XXXX bank, and the collection agency they turned me over to XXXX XXXX XXXX XXXX to correct this fraud : requested copies of transactions and signatures, and disputed the reporting to my credit report. XXXX XXXX bank refuses to provide me with receipts of transactions. I spoke with XXXX XXXX a year or so ago and made them aware of the situation. The XXXX XXXX representative admitted the transactions all appeared to occur in another State where a card was sent. They were supposed to send me copies of transactions, but nothing was ever received. Now I am being sued for these charges. The hacking of XXXX XXXX online system has resulted in 2 years of identity theft issues where this same individual continues to take out accounts that I have to dispute using my personal information.
Product: Credit card

2 months ago Capital changed the way it applies payments and how their app works. I pay my balance in full every month using the app which has an option to pay the statement balance in full on the due date. I select that and starting 2 months ago they started charging interest on my XXXX accounts with them when I have been a customer for years and never had issues. The first month they waived the charges and I had paid more than the full statement balance. I have attached my XXXX statements and have also included a screen shot of their payment options that doesn't pay the statement balance in full. They also miscalculated my interest as I paid XXXX balance in full in XXXX and XXXX was the cancellation and they didn't honor the grace period.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint regarding the payment history associated with my commercial relationship with XXXX XXXX XXXX . The accounts in question are : XXXX, XXXX, and XXXX. I previously disputed this information in XX/XX/XXXX, however, the issue remains unresolved. 

My complaint pertains to the late payments reported on these accounts. In response to my dispute, XXXX provided ledgers and payment histories for each account. However, I wish to clarify that my initial request was not for validation, but for the prompt removal of late payments as mandated b

y 15 U.S. Code 1666b. Under this statute, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless reasonable procedures are in place to ensure that periodic statements, including payment due dates, are provided to the
consumer no later than XXXX  days before the due date. Given that these accounts are open-ended credit plans, any late payments reported should adhere to this requirement.

Moreover, I believe that XXXXXXXX XXXX actions violate my right to privacy as outlined in the Privacy Act of 1974, 5 U.S.C. 552a. Specifically, disclosure of my financial records to consumer reporting agencies without my prior written consent is prohibited, except under certain circumstances which do not apply in this case. Additionally, XXXX failed to inform me of my right to exercise nondisclosure options as required by 15 U.S.C. 6802 ( b ) ( c ). 

Furthermore, I assert that XXXXXXXX XXXX reporting of adverse information, such as late payments, without my authorization violates 15 U.S.C. 1681C ( a ) ( 5 ), which prohibits the inclusion of certain adverse information in consumer reports without consent, particularly information that exceeds XXXX years. 

In light of these violations, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX. I also request that the late payments be promptly removed from my credit reports and that XXXX be held accountable for their failure to comply with federal regulations regarding privacy and credit reporting. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am not liable for the late payments with ( XXXX ). Three late payments were stated on this account that were in fact paid on time. All 3 credit bureaus are giving inaccuracies stating the late payments were in different months that do not coincide with each other. 

The consumer reporting agencies did not report all information with accuracy. This account has NEVER been late on payments and I've attached a copy of my report from IdentityIQ for the following dates [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] I demand these payments be updated to the correct data that they were paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

Disputing XXXX that has been misappropriated.
Product: Debt collection

Bank of America. {$36000.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
Status : Account current under XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. ( XXXX ) XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$610.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit card

American Express Credit Card is violating my rights as well as their own terms and conditions. 
The scenario is as follows. I made two purchases for the same dollar amount from the same merchant XXXX. Both charges are for the same item in different sizes. I returned BOTH and have 2 separate receipts for each item returned where the merchant promised me a refund. 
The credits however failed to materialize on my Amex credit card account for both charges, where only ONE of the charges was actually credited to my account not two. I proceeded to dispute the case with my bank, American Express, and for months on end they have refused to credit me despite me providing PROOF of both returns. 
This isnt a case of he said she said, its a clear cut case where I do not have the merchandise since the merchant already ACCEPTED it back and promised a refund. 

I tried to go to the merchant which is a huge company and the clerks do not have the power to help me since they already processed the refund on their end. Additionally the merchant later on states that I return too many items and they do not want to help me further to get the money back from Amex. They are not required to accept my return but they ARE required to refund me in the event that they do accept the return as in this case so where is my money. 

Regardless, Amex is the bank and they are the ones who have access to my money which is rightfully owed to me as proven by my receipts. 
Amex however, refuses to give me my money back dragging this along for months spitting back generic robotic communications as to why they will not refund me. Sometimes they even brush me off saying that I already was refunded. This is absurd as I explained to them so clearly that I was refunded only once but not twice as I am supposed to be. 
Again this is a violation of my rights as I provided clear proof from the merchant that owes me the money based on returning both items. 

( I might add that the worst part of this ordeal is how Amex completely disregards me as a customer dragging this on for months and not even communicating with me. Rather they just close the case after several weeks of no communication with a generic response often robotic ). 

The amount in question is {$3400.00} This is an ongoing case since XX/XX/2023. 

I have attached both receipts showing 2 separate invoices for credit. I am due still one more credit.
Product: Vehicle loan or lease

On XX/XX/XXXX, I contacted Exeter Finance to receive a lien release statement bc my title is no longer in my possession and a document is needed from the DMV. The DMV will not create a duplicate unless a lien release document is provided. EF stated that would submit the request for the document and I would receive in 24-48 hours. Here we are on XXXX I have not received any documents. I call them again to receive an update and now they are saying they do not have to provide this to me. My account is paid off and Exeter Finance refuses to provide this document to me.
Product: Student loan

As stated in previous complaints, I applied for SAVE on XXXX, wasn't processed. Last week ( XXXX ) was told I had to pay {$5.00} to switch to SAVE. Today I received an email and I am now on the Standard plan. Never applied for the Standard plan. I want my {$5.00} back and I want someone competent to explain how someone was put into a plan that wasn't applied for and previous to covid was also on an income driven plan. Very angry and frustrated.
Product: Checking or savings account

On XX/XX/2023 I reported unauthorized charges made to my account immediately upon discovery, they amounted to over {$3000.00}. I provided Chime with as much information and detail as I could recall based on trying to back track the events that occurred leading up to my report, I shared my best guess where I was unable to state facts. They denied my dispute on XX/XX/XXXX without providing a single explanation of why it was denied or any information they used to make the determination. In fact in their denial email they told me that I had to request the documentation they used to deny my claim, and so I did. Late XX/XX/2023, I received an email with a statement attached. I did not receive any documents. The bullet points listed in their statement were partially false and several of their statements were " suggestions ''. The used acronyms in this statement which I have no idea of their meaning, " txn '' for example. They have caused my family and I a tremendous amount of financial burden and undue hardship based on their handling of my dispute and denial of it based on frivolous generalizations and I am seeking to be made whole.
Product: Student loan

I am enrolled in the public service student loan forgiveness program. I enrolled in the program in XXXX. I have been in an income based repayment plan the entire time, re-certified my income every year, and I have always been on direct debit for the payments. My loan was transferred to XXXX, who two years ago told me that my payments have not qualified toward student loan forgiveness. They can't tell me why. I advised them that this is impossible due to having been on the proper type of loan on direct debit with annual re-certification, and they have been " reviewing '' this for almost TWO YEARS. ( XXXX of XXXX will mark two years they're " looking into it. '' ) I even sent them proof of all the payments prior to the loan being transferred to them. They are not doing anything and lying to me that my payments haven't qualified. I need them to certify that my payments have in fact qualified and that I am on target for the loan forgiveness in XX/XX/XXXX. I have attached proof of payment of my loans dating back to XX/XX/XXXX that I submitted two years ago to prove that my payments have always qualified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I'm not sure if it was a close friend or family member, or one of the previous addresses that was listed on my credit report that I still received mail at. My personal information was breached on several occasions. Equifax in XXXX, SC tax payers breach in XXXX as well as the sherwood information leak. There are several accounts that were opened in my name that I had no idea of nor did I benefit from, as well as several other attempts to open accounts that resulted in hard inquiries. I sent in a letter to Equifax explaining this and they said they'd open a dispute and get back to me within 30 days. 30 days went by, I called each 3 days in a row after the allotted time, each time I spoke with a representative from XXXX, XXXX, and somewhere else I can't recall but all were located outside of the XXXX and said they were unable to locate what I sent it. How could they in the address I sent the disputes to was to Pennsylvania. I now am filling complaint, resubmitting my disputes and attaching my documents hoping to get a resolutions. PLEASE SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

I have filed form XXXX with the irs.gov. The perpetrator ( XXXX ) filed IRS tax return using my SSN which has damaged me furthermore the perpetrator ( XXXX ) have obtained from the Data Breach my personal information which has resulted in negative credit accounts and fraudulent inquiries of which ALL must be deleted immediately without delay on XXXX, XXXX and Transunion. Pursuant to Title XXXX USC 1692G 1692K et seq FCRA 605B ( 15 U.S.C. 1681c-2 ) Tax Fraud Reporting Inquiry and Data Breach Reporting
Product: Credit card

A payment in amount of {$100.00} posted to my XXXX XXXX ending XXXX on XX/XX/31 bringing the account balance to {$500.00}. The account has cycled recently, now showing a balance of {$610.00}. Recent activity does not show any recent purchases, shows interest in amount of {$14.00}, does not show any other transactions which would account for balance in amount of {$610.00}. It appears there is an error in crediting payment on XX/XX/31. I've checked with my bank, XXXX, they show payment cleared XXXX, screen shots attached to this complaint.
Product: Student loan

In XXXX XXXXXXXX, I submitted my application for PSLF to determine how many eligible payments I have made as well as if i received/am covered by the temporary waiver. I have received two separate correspondences informing me that they received my application but I have not heard anything since. I've tried contacting both EdFinancial and XXXX XXXX to get an update in the status ; however, neither institutions are able to give me PSLF-specific information. I have periodically reached out to both institutions, with the most recent inquiries taking place during the week of XX/XX/XXXX. EdFinancial sent me a copy of my payment history but it does not indicate PSLF-eligible payments or the eligible payments under the government pandemic forbearance, and XXXX XXXX indicates that they still do not have any record of me in their system. With the latter, I am constantly transferred and left on hold.
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccurate information on my credit profile. I have no knowledge of these inquiries that are listed on my credit report profile. The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I disputed a charge where items were not received from a supplier. The supplier provided a statement that the items were delivered with a tracking number. I submitted emails to Chase from the supplier where they agreed to refund my transaction as the item was not received. Chase refuses to reopen or appeal the dispute with the proof I provided.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX and Equifax Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts has been deleted that was XXXX Enclosed is the proof that they deleted the fraudulent account. XXXX I got an alert that a fraudulent account was placed on my credit that same fraudulent account that was Deleted XXXX, XXXX. They never noticed me of putting the fraudulent account on my credit after they deleted this fraud XXXX years ago. They have caused me caused me great damage and embarrassment also with emotional distress, Defamation of character. You have coursed me to loss a loan due this fraud you are illegally reporting. You are in complete violation of the FCRA and if this is not immediately deleted from my report I will seek legal action. This account is fraudulent and has been deleted already XXXX XXXX XXXX XXXX XXXX XXXXEnclosed you will see police report sent the the collection agency and the credit bureaus, letters and certified letters. They requested for me to send them a copy of my ID and I did. This needs to be deleted due to fraud and they are knowingly and willingly causing me damages to my credit and aware that this medical bill is completely fraudulent. I will await only allowed time for this fraud to be resolved before taking hiring an attorney and filling a lawsuit on XXXX, Equifax and XXXX XXXX this complaint serves as proof to the courts that I have taken ever possible messures to resolve this fraud. and will no longer allow The credit bureaus and XXXX XXXX Identity theft and my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in documents in regards to inaccurate information being reported on my credit report. These documents were sent in XX/XX/XXXX. I have not received any correspondence into an investigation from XXXX or Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I needed to remove a credit freeze from XXXX credit reporting to finance a leased car. I attempted to use the pin they provided in XXXX when i froze credit checks and there is nothing on their web site allowing me to unfreeze. i filled out all my personal info ( address, social sec #, bday, etc. and still got nowhere when i tried clicking on relevant buttons got no reaction. 

I then tried to call and went through three long verbal ads and tried to dial XXXX  for help but ads kept coming. unreasonably difficult to reach customer service and remove freeze. 

I am furious that an entity that tracks my life can do so with impunity and providing me very difficult ( i couldn't fix credit freeze ) path to cusotmer service. they only focus on selling fee for service and could care less about impact on non-paying people they collect and report information on. 

I think they should be forced to make it easier to correct problems on their data bases. 
Would never recommend or pay for anything XXXX provides. They are one of the worst companies i've run acress in my XXXX  years.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under The fair credit reporting act states : According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S. Code 1681i - Procedure in case of disputed accuracy7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please remove the following items from my credit report, immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The transaction happened on XXXX for the amount of {$200.00} for a booth rental. The name of the recipient is XXXX XXXX with an email address ( XXXX ). My friend had gotten information from a fellow merchant that a woman she knew was a promoter of a Pop-Up Canopy vending show the weekend of XXXX and XXXX. I contacted her via email and she told me that she would sell me a booth site for {$200.00} and to send amount through Paypal. She requested that I send through family/relative process. I didn't know that if it is sent through that process. Come to find out there was no refund. This was my first time working with Paypal and now I think I will not be working with them anymore. So, I bought and paid for a booth site but did not receive the rental.