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

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach and identity theft, the following unauthorized accounts and inquiries have been added to my credit report without my consent. 
Accounts to Be Blocked and Deleted : XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$1600.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$590.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$150.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$540.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$330.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$630.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXXXXXX XXXX XXXX XXXX Case Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX
Product: Prepaid card

I purchased {$400.00} Google Play gift cards, which are both of {$200.00} face value each at XXXX on XX/XX/. Upon my attempts to redeem the purchased gift cards to my Google Play account, an error requesting for more details prevented me from using the card. I contacted XXXX about this issue on XX/XX/. After waiting couple of weeks to hear back from XXXX, I was referred to reach out to Google directly about this issue. I reached out to Google as advised, and provided proof of purchase and gift card pictures. Google refused to allow me access to redeem the purchased gift cards till date, which violates bot Federal Law and California Law that governs purchase of gift cards. All my efforts in getting this issue resolved were all trampled upon by Google. I really wonder why Google would intentionally, and flagrantly violates the Law, and still feel they are untouchable. Their persistent refusal to allow me redeem the cards which I bought since XXXX till date is the true definition of a company that has minimal to zero respects for the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection was paid with the understanding it was going to be deleted with payment but has only been updated to paid status. I have reached out several times. I was told a deletion letter was also mailed out to me only to find out after the 4th time I reached out the printer isn't working, fax is broken and they are unable to email me a letter. Each call is a different excuse. I would like this account deleted ASAP due to erroneous collection tactics. Account was paid and cleared by bank XX/XX/2021.
Product: Student loan

I have a XXXX dollar mortgage because interest rates and inflation along with high cost for childcare and diapers and everything that comes with having XXXX children. I do not qualify for a income driven repayment plan that is suitable because I make XXXX a year and my husband makes XXXX but with the mortgage, child care and inflation, when I did the income driven repayment it put me at XXXX when the original payment was XXXX. And then this loan divided all my loans and all the interest rates are different from 5 % to 2 % and it is supposed to take ten years of XXXX to pay XXXX off which makes no since. The payment plans should account for mortgage, current debt, children, and area of living.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Money transfer, virtual currency, or money service

This had to do with JPay they provide inmates a tablet that allows them to communicate with family, send money watch movies play games and listen to music. They charge you fees in top if that. In they state of New York they tell you this tablet is complementary. I have paid up to XXXX in media alone. The tablets are like the lowest grade of tablet you can find. I have been trying since XXXX to have his tablet replaced. Of course he is an inmate and they transfer him. But it does not take 4 months to get a replacement. I tried to explain to them. There is nothing free with a XXXX dollar tablet. The girls response was well he can always access all his music when he comes home. That would be in XXXX years, not only that the point is to be able to use it now why would he watch them on his tablet when he comes home. We have paid for a service they have not provided. And not only that they never allow you to speak to any one that had a direct answer all they say is it's a process. Four months in. This had to be the worst company. I can not find any information in them and they are just takeing peoples money and acting like it's the states fault. Can some one please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the United States Bankruptcy Court XXXX XXXX XXXX Texas " XXXX XXXX Number # XXXX '' asking if they do in fact report bankruptcies to the credit bureaus and I got a reply stating the court ( does not report information to any credit reporting agency ''. So, if this is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never conducted a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights several times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy. 

According to : 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 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: Bank account or service

Most recently - they closed my savings account without giving me prior notice ( of ANY KIND - no email, letter, phone call, nada ). When I called the XXXX number to ask what was going on, the woman told me she was unable to give me any information and that I needed to call the branch. When I called the branch she told me that they do n't have anything to do with closing accounts and that I needed to call the XXXX number ... ... eventually I was informed that if my account had a XXXX balance for 3 months they AUTOMATICALLY close the account - I maintain that they should be required to let me know they are going to do that ... ... 

In the past year - they have replaced my atm/debit card three times - with no explanation. On XXXX XXXX I left to go on vacation and discovered that they had de-activated my atm card, stating that they had mailed me a new one that had never been activated ... .I never got the other card. Spent over an hour on the phone while they re-activated my card and then shipped me out another new one. The original rep I talked to was unbelievably rude, and put me on endless hold when I asked her to transfer me to a supervisor. 

The branch notified me almost 6 MONTHS after I ordered them that they had my checks ... ..I placed that order 3 TIMES and NEVER got the personalized checks I asked for and ostensibly paid for. 

Overall, the phone reps I have talked to in the last two years do n't seem to know what they are doing and they are rude. 

I used to be super happy with this bank, but the last two years I have had increasingly poor service and I now have absolutely NO CONFIDENCE with this bank - where I have had an account for over 20 years.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX 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 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
Product: Credit card or prepaid card

I still have {$5400.00} held up by Bank of AmericaXXXX XXXX benefits that I haven't been able to receive. They first blocked payments in XXXX of XXXX in the middle of the pandemic, again in XXXX of XXXX, and a third time in XXXX of XXXX. I tried multiple times to contact Bank of America and XXXX XXXX and was not able to get through, and received no replies to my questions. Thanks in advance for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. following XXXX XXXX  XXXX XXXX Balance XXXX  ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX  ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  {$1600.00} ; Bankruptcy XXXX XXXX-dismissed Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX : Bankruptcy Date Filed XXXX. 
XXXX, XXXX Reference Number XXXX ; XXXX XXXX Bankruptcy : Bankruptcy Date Filed XXXX. XXXX, XXXX Reference Number XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Could you please delete these inquiries? I'm not informed about this issue, and the company acted without my consent.
Product: Debt collection

I was contacting the hospital to find out if I had any outstanding bills that were not ran through my insurance. I was told I had to contact a few agencies by the hospital to ask about my insurance being ran on some outstanding claims. When I contacted Eastern Revenue, I was contacting them specifically in reference to a different date of service that I had been told about by the hospital that took place in XXXX and was placed on the phone with an XXXX XXXX to talk about what I needed to have ran through. He started explaining I had several outstanding debts with their collection agency, I had only contacted them to ask about whether or not my insurance had been ran through for a date of service in XXXX. During speaking with him he was harassing me about the other dates of service that are outside the limitation of collection, he kept asking me to make payment for them and to make arrangement for them to be paid. I explained I was not calling about making payment I wanted to know if my insurance had been ran through before the charges were placed against my credit for the XXXX date of service which was my right to ask. Since then I have received calls from them several times a week regarding collection of the outstanding debt for charges dating before XXXX. The debts were not on my credit report and they refused to send me a statement of verification or anything in writing about what they claimed I needed to pay right then and there. I never asked about these debts or promised to make payment to them. They reopened these debts from XXXX as if I contacted them about them and promised any sort of payment and are now contacting me several times a week for payment on a debt that was written off years ago that I didnt contact them regarding nor did I have prior knowledge of before contacting them regarding a claim that should have had been partially or fully paid by my insurance company. They have threatened to sue me for the debt and to get payment through alternative means of collection?? I dont know what that means or their intentions are however I feel that this is a sincere threat from them.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be 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.

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! 


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

After applying for a loan, my credit report stated that XXXX had issued a 30 day and 60 day late payment for my credit card. After first reaching out on chat, the employee agreed with me and stated that this was a mistake and he was not sure why this happened. They submitted a dispute but got back to me saying the information was correct and I missed those payments. I called and asked a supervisor to verify the information which she could not. She looked over my accounts and I asked if she say any late payments or fees associated with my card which she replied to with " hmm no, but lets file another dispute and see what happens. '' Weeks go by and I file another dispute where I send in all my statements that accurately show a credit to my account in full every month for the so called " late payment '' In total it has been almost 2 months where I still have not gotten a resolution or a clear answer as to why they reported to the credit bureaus that I was delinquent on payments for up to 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, the account is not recognized, d and neither is the information. After disputing it, XXXX reported it as a charge-off. 
this is a violation of 15 usc 16 18 1 e b here how they report it : Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updatedXXXX  XXXX, XXXX Original balance {$2000.00} Account info Account XXXX Open/closedClosed Date openedXXXX XXXX, XXXX Account typeUnsecured Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX StatusAccount charged off. {$1600.00} written off. 
Company soldXXXX XXXX XXXXXXXX After XXXX attend to get the XXXX, they refused to provide it, and instead send me a letter that they assigned the debt to a debt collector. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX vs XXXX XXXX XXXX XXXX XXXX. I presume that no proof of that alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Mortgage

My mortgage payment is set up for automatic payment through Amerihome website for over a year. They deducted money from my bank account on the XXXX of XXXX with no issues. Then Amerihome sent me a letter saying the payment got Returned. When I checked my bank account the amount was deducted from my account. When I called the customer rep they keep on blaming my bank and ask for different things every single time. I have sent the bank statement, trace number, transmittal form and letter from my bank manager but Amerihome keeps on making excuses. Manager from Amerihome called and told me they will suppress from reporting to my credit bureau until the dispute is settled but I don't trust them. They never try to help resolve issue or call back. I think this company is a SCAM. They even suggested to pay it again to prevent reporting to credit bureau, a {$3500.00} free money. These people are disgusting.
Product: Debt collection

I have been requesting, since XX/XX/2021, verification of this alleged debt that TARGET TD claim I owe and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet they failed to do so for me... why is that. They never send documents to validate it
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX auto finance are illegally reporting late payments on to my consumer report without my consent. Ive been in contact with XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX to have this information removed off of my consumer report since I did not give them my consent. They have willfully non-complied with my request even with me stating the laws under the FCRA that they are governed by. 

I informed them that Late payments is a transaction with the line of credit that was extended between the consumer me ( XXXX XXXX ) and the person XXXX XXXX, XXXX XXXX, and XXXX auto finance that is making the report. Congress clearly states that the report of transactions or experiences between the consumer and the person making the report is not included on the consumer report. You have violated the FCRA 15 USC 1681 ( a ) ( 2 ) ( I ) by reporting this transaction on my consumer report which Congress clearly states is not included on my consumer report. Ive informed them that they have 10 calendar days to delete all late payment transactions listed but they have failed to comply. So I am seeking remedies to this matter.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;