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

In accordance with the Fair Credit Reporting act the following Companies listed below, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX XXXX XXXX Account XXXX XXXX Date opened : XX/XX/XXXX XXXXXXXX XXXX  Account # XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX. Account # XXXX Date opened : XX/XX/XXXX XXXX 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. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16891i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
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 befor
e 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: Mortgage

On paper work it says There are funds being held in suspense, a holding account for unapplied payments. The supervisor said the money of XXXX was applied on XXXX XXXX. This is false I payed my Monthly payment of XXXX This is the confirmation XXXX. I am being lyed to and i want the money sent to me by check or applied to Escrow
Product: Debt collection

I have never signed a contract or entered into a legal agreement with your company or firm. No information has been sent to me and nothing has been proven that neither the information you many have or the debt belongs to XXXX XXXX. Your company has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. This is to serve as your legal notice under federal law ( The Fair Debt Collection Practices Act ) to cease all  communication with me in reference to the account above. I do not have an account with your company nor have I ever has an account with any company you claim to represent. Remove this account upon receipt or I will file suite against officers of your company and your company within 5 days. 

This company has 2 different collections on my profile!
Product: Credit card

Over 5 years ago I got a credit card Double points with Citi. I signed up for the credit under certain conditions and based on those conditions i made my decision to accept this credit card. All was great and this was my favorite XXXX to use over last 5-7 years. I was charged interest after the billing cycle ended. However the XXXX company, Citi changed those conditions this year o a variable type of interest charged per day or so, still feels like a scam the way they charge those interest fees. 
Now with those conditions changed so far after I signed for this XXXX I feel trapped because I could close this XXXX since i don't agree with their change but that will affect my credit score. 
I cant keep this credit card either because with new condition I end up paying huge interest fees. For example, this month i paid my XXXX well in advance before due date by XXXX weeks, yet for XXXX week I was charged XXXX $ in interest with the new variable rates they have and with a total of XXXX $ charged in interest this year alone. I am very responsible with my credit cards and never had such outrageous charges on interest with this XXXX or other XXXX I consider a scam thaT XXXX conditions were changed for existing costumers since i is like a contract and I made the decision o sign up for this CC based on how conditions were at that time. Hope this will end up with a collective law suit, as a costumer XXXX XXXX lied and scammed. I already closed my bank account with this scam company and wish it was as easy to close my XXXX yet will affect my credit score. 
Costumer service is not helpful either as they keep long holds and multiple transfers from agent to agent so the costumer gets tired and quits the call before issue is resolved. 
XXXX. I request to have the interest fee charged for XXXX $ refunded since i have paid my XXXX well in advance by XXXX weeks from the due date. 
XXXX o have XXXX condition changed to how it was when I made the decision to sign up for this XXXX. 
XXXX Recalculate the interest charged for this year to reflect previous conditions- the ones that were in effect when I signed up for this credit card
Product: Credit reporting or other personal consumer reports

I had two collection accounts with XXXX for old rental landlord debt. I did a settlement with this company on both debts back about a year ago. Part of the settlement which they received in lump sum was after payment they agreed to pay to delete from my credit report. 

I did my part per terms and they haven't deleted both line items. Instead they are listed on my credit report as closed. They violated the agreement that I have in writing. 

I am writing to the CFPB to get this dispute in front of them so they can take action and delete from my credit reports. Failure to do so will result in further action per CFPB guidelines. 

I paid you guys so please follow through with the promise I received verbally and in writing
Product: Credit card or prepaid card

Dear Sirs, Last year, I planned to take vacation starting from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I decided to purchase online, ahead of time, a multi-city flight ticket ( XXXX XXXX XXXX XXXX XXXX XXXX ), a room at the XXXX XXXX XXXX XXXX and a room at the XXXX XXXX XXXX. The total amount of this online activity should be {$840.00} + % interest. I have already made a payment of {$400.00} so far! 
What happen is the credit card company ( Barclay/ XXXX XXXX card ) just sent a {$960.00} statement balance this month which does not reflects the remaining balance of $ XXXX- $ XXXX= {$440.00} that I was expecting! After scrutinizing carefully their bill, I found out that, they added up an imaginary purchase of {$720.00} on XX/XX/XXXX! In addition to this, ( Barclay/XXXX XXXX card ) deliberately did not mail me this statement balance on XXXX and XX/XX/XXXX in order to cumulate their late fees to my bill. All in All, This is pure GREED! I really need your arbitration to solve this issue. 

Extra Information I did the same purchase online, on XX/XX/XXXX, with a different credit card ( XXXX  XXXX ) ; I purchased another multi-city flight ticket ( XXXX- XXXX-XXXX XXXX ) a room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX credit card 's statement balance is accurate! It reflects what I spent from XX/XX/XXXX to XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct # XXXX - disputed multiple times came back verified, I am not now nor have i ever been a customer of this company, the credit bureau has failed to provide an original signed copy of any agreement as required and are therefore reporting information that is not 100 % accurate XXXX has already removed this account due to error
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX XXXX XXXX XXXX  - Account XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded XXXX XXXX  yesterday for the first time and I noticed I had several accounts that did not belong to me. So, I decided to pull my report and noticed several accounts that are not mine. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$650.00} XXXX XXXXXXXX XXXX {$360.00} XXXX   XXXX {$180.00} XXXX XXXX XXXXXXXX {$290.00}
Product: Credit card

Open 3 credit cards diffent banks without my consent. 
I contact XXXXXXXX XXXX and Capital One. They already cancel the credit cards and open fraud investigations. 
XXXX XXXX XXXX XXXX  I have not contact yet.
Product: Credit card or prepaid card

Dialed a phone number 1 digit off the Chase Card Lending number. The number dialed was XXXX. Chase 's actual number is XXXX. The person identified themselves as Chase. I said I was calling regarding a credit card application. They asked for identifying information ( name, address and date of birth ) then told me I'd won a {$100.00} gift card. I was then ask to provide a credit card number for covering the shipping and handling for that gift card. I refused to provide that information. The individual hung up. I made my banking representative know about this issue as well.
Product: Credit card

Discover is violating the following : Privacy Act of XXXX ( 5 U.S. Code 552a ) 15 U.S. Code 1681b 15 U.S. Code 1681c 15 U.S. Code 1681o 5 U.S. Code 1681n 5 U.S. Code 6805 12 CFR 1022.3 12 CFR 1016.1, 1016.4, 1016.7 Discover XXXX Charge Off ( is a certificate of indebtedness a 1099-C was filed with IRS ) which means that this is now income and income CAN NOT be reported to the credit agencies. 

It is illegal to report transaction history Discover is currently violating the Security Exchange Act of XXXX.
Product: Student loan

ENTIRE STUDENT LOAN WAS PAID IN FULL, XXXX KEEP {$5000.00} AMOUNT & INCREASED TO {$7500.00} WHEN BALANCE SHOULD HAVE XXXX {$0.00}.
Product: Credit card

* I opened an account with FOREVER 21 clothing store thru Comenity * I made the first payment at the store because I could not set up an account online * In the process of trying to get the payment made, it then became late * At this point I called in and made the payment with a live person so that I could confirm that the balance was XXXX after I made the payment, that the late payment WAS paid with that payment I just made, and I so I could receive a confirmation #. This payment was made on XX/XX/year> ( a full 15 days before the due of XX/XX/year> ) * I received a bill stating that I owed {$3.00} ( this bill has a due date of XX/XX/year> ). I called today, XX/XX/XXXX, for customer service at XXXX to find out how I owed {$3.00} with no balance showing. 
* The automated system for FOREVER 21 confirmed the payment amount and date received, then said my current balance owed was now {$6.00}. The first customer service rep I was talking too confirmed it was for INTEREST ; then " disconnected '' me while he was checking on why it was charged ; although the line was still open, there was no one there. I called back, got to another XXXX rep, she then told me that I owed {$9.00} and that it, again, was for INTEREST. She was not in XXXX so I asked for someone higher up. 
* I was transferred to an American based center, and that rep confirmed again that the balance owing was for INTEREST, went over again my options to make the payment, ( because at this point I just wanted to get the balance PAID OFF and close the account ), but now the balance was {$12.00}!!!!!!!!!!!!!!!!!! Forget that it's extortion, because it was charged for INTEREST, as confirmed by every representative, they have violated their contracted amount for interest charges, and how often interest is charged.
Product: Credit card or prepaid card

I been a Synchrony bank/J.C Penney credit card customer for at least five years now. However, recently for reason unknown to me Synchrony bank first, resorted to preventing me from using my card and second has closed the account altogether. I last, checked in on XX/XX/2020 and was surprised to see the account status as closed for no good reason. As previously stated the account has been open for about five and in such time not a single payment has been made late nor is there a due balance on the account. I was neither informed of synchrony bank intentions of closing my account and in fact planned to use it soon. In such case, I consider synchrony bank acts as direct violation to my civil rights since as an ideal and paying customer I should have at least been informed of such action.
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concerns regarding the accuracy of the information contained in my credit report, as maintained by your agency. Pursuant to 15 U.S. Code 1681e ( b ), credit reporting agencies are legally obligated to ensure the accuracy of consumer credit reports. However, despite repeated attempts to rectify wrong and deleted accounts in my credit report, I am deeply disappointed by the failures of your agency in fulfilling this obligation. 

I have diligently pursued the correction of wrong information by providing documented evidence to support the necessary corrections. Despite my efforts, the credit bureausEquifax, XXXX, and XXXX persistently failed to take appropriate action. This flagrant disregard for accuracy not only undermines the credibility of the credit reporting system but also directly harms consumers by impeding their access to credit and financial opportunities. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) ( A ), credit reporting agencies are required to conduct reasonable investigations upon receiving disputes regarding the accuracy of information in a consumer 's credit report. However, the investigations conducted by your agency have been grossly inadequate. Instead of diligently investigating and rectifying the inaccuracies as mandated by law, the credit bureaus have routinely dismissed valid disputes without conducting thorough investigations, thereby perpetuating erroneous information on my credit report. 

I hereby demand the immediate removal of the following inaccurate items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I expect prompt action to rectify these inaccuracies and ensure the integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been trying to get a copy of my chex systems report for over a year. I received it about a week ago. I was relieved to find I did not have any negative information except one problem there were 56 Inquiries on my account.! Dating back over 3 years ago!! 
some were from XXXX? I do not recall intiating them so I made categories of bank accounts they said I had made inquiries too and a list of dates. 
I called chex systems today and spoke to " XXXX '' from XXXX. who said he could not give me anyother identifying information..Right but he had All Of My information. 
so I asked him how long to you keep consumer initiated inquiries on an account and at first he said 2 years then he changed it to 3 years. 36 of the the? inquiries are Over 3 years old. I  mean im XXXX years old im a citizen iver worked for this country for over 50 years and I kept wondering Why cant I open a bank account?? and now I have my answer ... not sure how I m going to be able to clear this up but im asking for help im really disappointed and upset about this .thank you XXXX
Product: Checking or savings account

I banked with Bank of America and they over charged me regularly with overdraft fees and I want part of that settlement. I banked with them for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One recorded 5 late payments on my credit report. For years it was 4 but recently they tacked on a 5th. I was in a bad place in life and called to let them know I was I couldn't make my payments so I was told I was on a suppression program that would give me time to get back on my feet. For which I did. They claim I was told that the interest was only suppressed and not my minimum payment. I disagree and claim I was given misinformation. They have yet to provide the phone conversation that shows that I wasn't given misinformation or that I understood what I was being told. I would like to be sent this recording as well as statement for the entire year that they say my payments were late in. 

All the proff aside they have an opportunity to help someone out and retain a customer and yet they seem to be more interested in hurting my credit than anything. XXXX I will file these reports over and over again! You have already been repaid. You have nothing to gain by refusing to delete those late payments and are continuing to not just lose a customer but you are paying someone to deal with my complaints. Again I will continuing to file complaints and disputes over and over again. I will cost me as much money as I can until you do the right thing and delete those payments. 

Your stance his highly illogical and anybody in your management department reviewing this case should see that the logical cost effective way to handle this is to just delete the late payments and move on. Maybe I will appreciate the gesture enough to give you another chance one day and we can both profit again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XX/XX/XXXX **TransUnion** TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX*Subject : ** Formal Dispute and Request for Reinvestigation Under FCRA and Metro 2 Compliance Dear Credit Bureau Representative , I am writing to dispute the accuracy and completeness of certain items appearing on my credit report as per my rights under the **Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) **. Under **FCRA 611 ( 15 U.S.C. 1681i ) **, I am formally requesting that you conduct a thorough reinvestigation of the reported accounts, inquiries, and derogatory marks to ensure compliance with federal law and **Metro 2 reporting standards**.

Additionally, under **FCRA 609 ( a ) ( 1 ) **, I request full disclosure of the verification process, including the name and contact details of the entities that provided the disputed information. As mandated by **FCRA 605 ( a ) **, any information that is **inaccurate, outdated, unverifiable, or does not comply with Metro 2 data furnishing requirements must be deleted** from my credit file. 

Pursuant to **FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) **, credit reporting agencies are required to ensure **maximum possible accuracy** in consumer reports. Any failure to properly verify disputed accounts within the **30-day time frame under FCRA 611 ( a ) ( 1 ) ** will necessitate their immediate removal.

I am not providing a specific breakdown of the errors, as it is your legal obligation under the **FCRA** and **Metro 2 Compliance Guidelines** to verify and maintain accurate reporting. However, I demand that you review all reported accounts and inquiries and delete any unverifiable or inaccurate information. 

**Required Actions : ** 1. Conduct a **Metro 2-compliant reinvestigation** into the accuracy of all disputed items.

2. Remove any accounts, inquiries, or derogatory items that ** can not be fully verified**.

3. Provide a detailed **method of verification** report for each disputed account per **FCRA 609 ( a ) ( 1 ) **.

4. Send me an **updated copy of my credit report via U.S. mail** reflecting the corrections.

Enclosed, I have included : - A **copy of my government-issued ID** - **Proof of address** ( utility bill or bank statement ) - **A copy of my credit report with disputed items highlighted** Failure to comply with my request may result in legal action, including complaints to the **Consumer Financial Protection Bureau ( CFPB ) ** and the **Federal Trade Commission ( FTC ) ** for noncompliance with **FCRA and Metro 2 data standards**.

Thank you for your prompt attention to this matter. I expect your response within **30 days**, as required under federal law. 

Sincerely, XXXX XXXX Copy of ID - Social Security Card Copy of Credit Report with Highlighted Disputed Items