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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd 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 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. 

XXXXXXXX XXXX XXXX XXXX XXXX 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 1002 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 card or prepaid card

XXXX account started in XXXX with no knowledge to myself Personal information stolen Purchases made in fraud I spoke with the company multiple times. I contacted PayPal and had PayPaXXXX reverse charges in XXXX of XXXX. Some charges did get reversed as PayPal found that my account had been hacked and money was being sent via this card that I had no knowledge off
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed CBNA Inquiry Date XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry ) -7/22/2024 NAVY FCU- ( inquiry ) -12/11/2024 Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. please see the above accounts 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Thank you for your timely compliance!
Product: Credit reporting or other personal consumer reports

My concern about inaccurate information appearing on my credit report is formally expressed in this letter. I am convinced that the errors in the report are a misrepresentation of my financial background and that they need to be corrected right away after a careful examination of the report 's contents. 

I'm confident that you are qualified and required to look into my concerns right away under the terms of the Fair Credit Reporting Act ( FCRA ), in accordance with the FCRA. As a consumer, I have every right to make this request, especially given that the disputed information significantly affects my credit score. 

Furthermore, it's crucial to understand that this procedure is not just a request but rather a requirement of the FCRA. Section 611 ( 15 U. S. C. ) mandates credit reporting agencies. S. C. 1681i ) to carry out an investigation into disputed items within 30 days of receiving a dispute letter. The announcement made today serves as that notice and sets the timer for this contractually required deadline. 

I look forward to having full cooperation from you and a careful analysis of the pointed out problems. I have no doubt that once you look into this matter, you'll find that the disputed details don't match up with my actual credit history. I trust you to report things accurately, and I hope this issue can be resolved quickly. 

Now that the investigation is underway, I would appreciate regular updates. To ensure that the information reported is entirely accurate, it is in both of our interests. FTC regulations state that upholding this level of accuracy is essential for fostering ethical behavior and defending consumer rights. 

Finally, I have no doubt that you will adhere to the FCRA 's rules and the fairness that the Act encourages. I appreciate your commitment to a swift and complete resolution of this matter. We appreciate all that you do to guarantee the accuracy of consumer credit information.
Product: Money transfer, virtual currency, or money service

They didnt disclaim or confirm if the money sent via zelle was confirmed to be the right person as such sending money via the zelle app could result in losing money if a mistake was made with no recourse for the money lost.
Product: Credit reporting or other personal consumer reports

How 15 U.S.C. 1681 ( a ) Demonstrates the Unfairness of XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX 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 XXXX 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

After the amount owed was removed from my credit, I have received debt collection letter from two other collection agencies... My Personal Health information is being sent from one collection agency to the next, I will report each and every collection agency that tries to contact me after reporting Medical Revenue Services. I did not authorize my information to be passed from one collection agency to the next.
Product: Mortgage

My name is XXXX XXXX and I live in the mobile home purchased by XXXX XXXX and XXXX XXXX. in XXXX Alabama. The mortgage is between them and Triad Financial Services out of Florida. The property has been " Closed on '' for over a month yet Triad refuses to pay the mobile home company, demanding instead for additional employment information after the fact. Even after that information is provide their response is Let me check on things. As a direct result of Triads breach of contract in paying for the mobile home the mobile home company can not have contractors install water and sewage. For the past month we have ( I have ) been living in a mobile home with no water, or sewage. As a direct impact of Triads breach of contract and failure to conduct business all of our other utilities were greatly delayed as well. My name is not on the mortgage but I am directly effected by their refusal to pay and continued breach of contract. 
Regardless of any circumstances, XXXX and XXXX both signed and agree and are willing and able to pay back a mortgage. Triad signed and apparently is unwilling, unable to uphold their end of the contract. 
Their failure has resulted in financial burden upon myself, XXXX XXXX, XXXX XXXX, and the manager of the mobile home company. Immediate resolution and restitution is needed for this matter.
Product: Credit reporting or other personal consumer reports

I am writing to report an identity theft issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my file. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. XXXX XXXX  - XXXX {$120.00}, XXXX  - XXXX - {$1400.00}, XXXX  XXXX XXXX XXXX XXXX XXXX {$6.00}, XXXX XXXX XXXXXXXX XXXX {$740.00}, XXXX - XXXX XXXX {$4400.00} Inquiries XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The company has yet to provide me with documentation that they never sold the vehicle or if they did sell it, they never sent papers about how much. They have different amounts on each one of my credit reports. They keeping it from high to low to high.
Product: Credit reporting or other personal consumer reports

As of today, previous lenders that were paid off are now back on my credit report showing 88 % of on-time payments. Last month on my credit report, it was reflecting 100 % on-time payment history. A lot of this information has been disputed as of XXXX  and was rectified. I refinanced my auto loan ( NAVY FEDERAL ) last year in XXXX or XXXX and the old information from the previous loan was removed ; now it's back on my credit report. 

My credit cards, except for XXXX and real estate loan all have been paid off and reflected on my credit report via XXXX XXXX. The late payments are showing on my credit report again. I went from 100 % on-time payment history to 88 % on-time payment history as if those credit cards, auto and real estate loan are still open.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block.Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) specially, Cash App failed to take timely and effective measures to prevent and address fraud one their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as did they not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Checking or savings account

NFCU : So many companies have totally lost integrity, ethics, morals, values, a soul - during COVID19 and are targeting, bullying and clearly violating the law.

This is starting to become a regular issue and I am trying to figure out why. The money was in there however somehow ; I have been charged ten overdraft fees. NFCU is purposefully doing math wrong. I am shocked at NFCUs unethical overdraft practices which are impacting my transactions. My checking account has been compromised by abusers.

Commingling with my checks, bill payments, debit card transactions, and ATM withdrawals each day then taking a week to process transactions - a violation of NFCU policy. I understand COVID19 has impacted operations but what is being done to my account is a violation of law. NFCU is manipulating the order of my transactions to maximize the chances I will be charged an overdraft fee. The transaction order ( not chronological ) and the way NFCU is processing various types of debits and the time period ( a week ) doesnt allow me to keep track of what NFCU is doing I am unable to anticipate and avoid overdraft fees NFCU is stealing really. 

I am head of household - not by choice. I have children that I need to take care. NFCUs complexities of the payment process and operational efficiency needs to be evaluated. I have been a member for 16 years - shame on you NFCU. 

XXXX XXXX
Product: Credit card or prepaid card

Was suppose to get XXXX points on fuel purchases for every dollar, pen fed claims XXXX XXXX where fuel was purchased did not put in the right code. There were XXXX fuel stops from XXXX to XXXX. Anywheres from {$850.00} to XXXX. I could understand if it was a couple of them that did not put in the right code but all of them. Spoke with them and just for a XXXX time courtesy they will give me XXXX points on XXXX gas charge.
Product: Credit card or prepaid card

Navy Federal Credit Union Denied MY Application Seven ( 7 ) Times..I applied for Credit Line Increases, Credit Cards, and Personal Loans. Adverse Action against a Consumer is against the LAW ... According to the Equal Credit Opportunity Act which is Codified in 15 USC 1691 ( c ) and is Pursuant to Civil Liability Under 15 USC 1692 ( k ) I Have Proof that I was Discriminated against by Nvay Federal Credit Union Due to the Response I Received. Navy Federal Crediut Union is in Violation of 15 USC 1642, USC 1681 ( m ) and CFR 1002 Because. I The Consumer made an Application in Good Faith but was Denied Credit. 

Furthermore, Because my Social Security Number ( CREDIT CARD ) was used and I Received No BENEFITS this is Proof of Fraudulent Activity ( Unauthorized use of Credit ) on behalf of Navy Federal Credit Union. If Navy Federal Credit Union Fails to make an Reasonable Procedures to Resolved this Matter and Compensate me for the Use of my Credit Card I will indeed Make Navy Federal Credit Union Criminally And Civilly Liable for all Actual Damages Pursuant to 15 USC 1681 ( n ) and 15 USC 1681 ( o ). 
I will Also Follow up with an Invoice for said Violations ( {$10000.00} ) per Violation.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance $ XXXX Late Dates XXXX