23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

15 usc 1666b timing of payment should be not reported publicly law that get broken via debt reporting A creditor may not treat a payment on a open end consumer credit plan as late for any purpose As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated it is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES :. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is no longer the creditor it is with XXXX XXXX and payments are going to XXXX. however, XXXX XXXX is continuing to report delinquencies.
Product: Credit reporting or other personal consumer reports

I noticed an account for XXXX on my credit reports. I have no knowledge of this account. I requested information on account ownership from both the credit bureaus and XXXX  directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent you a letter via certified mail ( XXXX ) requesting debt validation for the referenced account. You responded on XX/XX/XXXX with a bill from a creditor. On XX/XX/XXXX, I sent you another letter via certified mail ( XXXX ), rejecting your response because a simple bill is NOT considered a " validation of debt '' by any means. Furthermore, this was unsatisfactory as proof that a debt is owed according to Texas Finance Code Section 392.202 and the CFPB 's standard. 

The letter mailed on XX/XX/XXXX again attempts to validate this debt and extends additional time for your company to comply with federal and state law. As of this date, I have yet to receive a response. This account is still reporting and has yet to be validated, even after a consumer request. 

Not only has this account not been validated, but it also contains numerous errors. When you received the two notices that this account was disputed, an investigation should have been conducted, per FDCPA and FCRA guidelines, and these inaccuracies should have been corrected. Because these inaccuracies remain, it shows that a proper validation was never conducted. 

This account has a last activity date of XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX, and XX/XX/XXXX on Experian. If this one account was updated, then it should be the same for all credit reporting agencies. What I found to be very concerning is your reporting to Experian, which reports an Account Open Date of XX/XX/XXXX but has the last activity BEFORE the account was even opened. This is an egregious inaccuracy. Next, the account shows as open on XXXX and XXXX but closed on Experian. If this is the same account, how can that be? 

Lastly, this account is a charge-off account and is reported as a collection by your company. Since then, this account has been reported as a charge-off every month, creating a payment history. This is an update in the payment history, which, to my understanding, collection accounts should NOT include an active payment history. This very action falsely manipulates the statute of limitations. 

This erroneous account contains numerous inaccuracies and has yet to be validated even after being requested twice. The company 's actions can only be deemed willful as they failed to correct or remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX inaccurate Address listed on credit report for experian. i submitted dispute letters and called in over the phone to dispute this inaccurate information. i filed a police report and did everything the compnay told me to do still nothing happened. 
there are also inquiries that were not authorized by me when reporting this information experian told me to reach out to the company and the compnay told me to contact the credit cureau inquires XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this due to non-compliance with the credit reporting agency TransUnion. They have failed to delete the unverified accounts listed on my account that I have disputed several times with certified letters in the past. I strongly believe that they are in violation of the FCRA laws and by refusing my requests and they continue to violate the laws. I sent them certified letters on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have requested that XXXX show me how they verified that the accounts on file belong to me and they have not provided me with any documents with my signature.
Product: Mortgage

Home purchased XX/XX/XXXX with adequate insurance for mortgage company. Mortgage company sold mortgage to wells fargo in XX/XX/XXXX. Wind only coverage provider cancelled policy XX/XX/XXXX. Home still covered by Insurance that is adequate to the latest legal document signed ( XXXX Closing Mortgage Document Page 6 and 7 Section 5 ) XX/XX/XXXX Wells Fargo notifies that Wind is now required, I immediatly add coverage effective 2 days after letter received, yet was charged force placed insurance backdated to XX/XX/XXXX. 

They refused to refund the force placed insurance despite acknowledging that there was no notification ever sent out that coverage was ineadequate until XX/XX/XXXX.
Product: Student loan

When I call EdFinancial Services requesting how much refund, they say that there is no refund. I am in the automatic group of XXXX XXXX XXXX settlement. I recall payments being made to XXXX. I am a XXXX XXXX recipient and should have received something. I want clarity and a formal letter setting forth how loan forgiveness was applied and why no refund. XXXX cleared though. Instead, I get transferred around. Please get me this breakout and why no refund.
Product: Credit card or prepaid card

I have a Home Depot Credit Card that I pay off fully every month and have not missed any payments or been charged any late fees. I noticed printed in the middle of the statement that " You must pay your promotional balance of {$82.00} in full by XX/XX/20 to avoid paying deferred interest charges '' and another that states " You must pay your promotional balance of {$7.00} in full by XX/XX/20 to avoid paying deferred interest charges '' I called the company and they told me that when I pay my statement the money goes to charges ( revolving credit ) that have not been paid yet ( in the 25 day grace period that have not been billed yet ) and the rest goes towards the promotional balance. The only thing that I can figure is that the grace period is negated if I purchase something over a certain amount. I've told Home Depot it's illegal for them to charge me interest during the 25 day grace  period.
Product: Credit card or prepaid card

I opened this account in XX/XX/XXXX ( I think ) to allow me to make payments on a new furnace / air conditioner for my home. My old furnace did not work anymore. I went to a local HVAC dealer / installer and they presented me with 2 financing options through Synchrony Bank. One option had a low interest rate for however long the balance was unpaid, the other option offered a promotional 18 months 0 % interest but would jump to 25 % interest after the promotional period ended. I chose the promotional option and opened the account with a balance due of {$6700.00}. 

What was not explained to me is that at the end of the promotional period if the balance was not paid in full, interest from the inception of the account at the rate of 25 % would then be added to my account in one lump sum and then I would also be charged 25 % interest going forward. 

I missed my payment for XX/XX/XXXX. I logged into my account to make a payment on XX/XX/XXXX and found that {$2800.00} was added to my account as one lump sum in XX/XX/XXXX. My previous balance was {$3600.00}. Now due to the lump sum interest and 25 % interest on my balance since that time, I now owe {$6600.00}. 

I called Synchrony in the evening of XX/XX/XXXX to explain my issue and to see if anything could be done to reduce the lump sum interest charge of {$2800.00}. The representative stated the only thing she could do is take notes and submit to someone else for review. In a nutshell, she stated I signed the papers so I should have known. 

I need help with this. All the payments that I made since my account opened in XX/XX/XXXX are now gone. I can not afford to throw all of that money away.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX ( Finance ) - XXXX XXXX, XXXX  XXXX. XXXX XXXX  ( Bank ) - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in Accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, has violated my rights. 

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.
Product: Vehicle loan or lease

I have paid the loan amount in full and should be immediately remove from my credit report.
Product: Bank account or service

Some months ago I took my mom to a B of A to cash in some Series XXXX. The time before this, we were told we were allowed to cash in XXXX bonds at a time. We went to the B of A today at XXXX XXXX XXXX XXXXXXXX, Az XXXX with XXXX bonds to cash and the Manager told us he would only cash in XXXX for us. Your policy states : Can I redeem a Federal Savings Bond at a Bank of America financial center? 
Yes. The savings bond must be older than 12 months and the person redeeming the savings bond must be the owner or the co-owner. Please note that if you do n't have a checking or savings account, or have had XXXX for less than months, you 're limited to redeeming a maximum of {$1000.00} per day. 
The managers name was XXXX XXXX and he was very rude and as we told him that we were told his branch and another that we were allowed to cash up to XXXX bonds per day, he was saying that he NEVER said that. He would n't even listen. Then they said they only had XXXX cashier and they did n't have the time. I 'm sorry, but we are the customers and we should be able to go into the bank and do the business that we want to do. Tell them to have more then XXXX cashier. By the time it took for him to decide they would n't help us, he could 've helped us. Later, he was just standing outside the bank jabbering with the security guard. GREAT MANAGER! We have a lot of money in your bank and have had problems before with this branch. It is the closest to our home and have had our accounts with this branch for years. We are now rethinking banks. What a shame that you would allow a Manager to treat their customers in this way.
Product: Credit reporting or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX
Product: Credit card

On XX/XX/24, I made a complaint about PayPal Credit limiting my access to my online account set up to make payments, excessive late fees, and improperly reporting to Credit Reporting Agencies XXXX XXXX, XXXX, and XXXX ) regarding this account because they kept fraudulently adding late fees by blocking my access to the online site to making payments. On XX/XX/XXXX and XXXX I received two email notices one listing my new computer bill of {$420.00} on XX/XX/XXXX, and the other on XX/XX/XXXX, for a minimum payment of {$260.00} and a balance of {$1200.00}. PayPal has continued to harass me with this account and I want damages to be imposed on them. I would like the balance to be XXXX out and to sever all ties with PayPal because of their fraudulent practices. Please see the attach email notices from them
Product: Debt collection

I have received a letter from this company named Mid-South Adjustment, co. This is now the third time they have sent me a letter stating they are collecting a debt I owe Veterans Affairs. I don't know how Iam being contacted? I pay the VA every month. For about a year they were sending a check to me stating I had overpaid about 2 years ago when the pandemic started.
Product: Mortgage

I was in a forberance and once out of forberance I entered into a repayment plan and was told that my loan would not be reported as deliquent. They are currently reporting my loan as deliquent which is having a negative impact on my credit. I was told Carrington Mortage policy will not report deliquent as long as I am in the payment plan and payments are automatically schedule to withdraw from my account
Product: Credit reporting or other personal consumer reports

I recently reviewed again my Equifax credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I am disputing this account, because this lender has committed a fraud under this account, and they need to be accountable to fix this issue on my credit report, if this issue is not fixing, I will hire an attorney to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2020, 2 of my capital one accounts have been closed without my knowledge after I have made a payment from my savings account that went through and even after I have called and disputed this they told me they can not help me and to just pay off the amount and since its closed no interest or anything will accrue. Yet they now hit my credit report TWICE with 30 day past due delinquency along with interest charge AND a a late fee ON TOP of my initial payment tried contacting them again about my finacial hardship and could not get through multiple times I was hung up on .Which is not correct at all. This needs to be addressed and Im tired of being given false information.
Product: Credit reporting or other personal consumer reports

All three credit bureaus and XXXX XXXX are reporting the balance at least {$1000.00} HIGHER than what is showed, PLUS it being OVER the limit. 

So far, Experian and XXXX have maliciously and fraudulently ignoted my attempt to correct it. 

This is effecting BOTH XXXX XXXX and XXXX XXXX credit reports and scores. This is exceptionally bad due to the fact that we are immediately attempting to purchase a house. PLEASE urgently force them to fix this massive problem.
Product: Debt collection

I just learned on XX/XX/2020 that Navient requested and received a hard copy of my credit report. I never authorized this transaction or requested or applied for a loan with this company. Navient continues to act recklessly, carelessly and unethically.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a notification on XX/XX/XXXX that Cash app had closed my account stating due to going against cash app policy. However I hadnt sent or received money via cash app in a few days prior to them closing my account. 

I attempted to read through all of my prior transactions with several representatives to gain understanding as to why theyd closed my account. I was hung up on several times. Additionally asked if I could speak with a supervisor and was then told that someone would email me however nothing. 

I did explain to them that I had received some odd notification stating that there was a login from an unknown device and asked if they could investigate if my account was possibly hacked. No response, a week has gone by and still no follow up and or explanation provided as to why they closed my account. I honestly believe it is an error on their end however they are refusing to fix and take accountability for their error and reopen my account.
Product: Debt collection

XXXX XXXX XXXX contacted me with a litigation for a Wells Fargo Bank account that they claim I had and was charged off. I have never had a Wells Fargo Bank account ( 20 years ago I did in 2000 but nothing past that and the account was closed ) They are claiming I owe {$900.00} and claiming if I dont pay I wont be able to submit checks or use my debit card. 
I asked them to send me a letter stating what I owed and who this was through. They sent me a letter dating XXXX I received the letter with all my information, I have not called Wells Fargo to confirm. When I searched online it said this XXXX XXXX XXXX is a scam.
Product: Debt collection

XXXXXXXX FORTIVA has furnished information on my consumer report without my consent. I do not have a account with FORTIVA. This account has since been charged off to collections to XXXX XXXX and I have not given FORTIVA permission to communicate with any third parties regarding my personal private information under the FCRA and FDCPA. I am demanding FORTIVA to pay for the violation of 15 USC 1692c. Payment to be made no later than 10 days from receipt of this notice. If this matter is not resolved I will take this matter to court and will include actual damages and request punitive damages determined by the court.