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

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 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 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 months that was reported late to be removed.

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

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


XXXX XXXX XXXX, XXXX XXXXXXXX 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 reporting or other personal consumer reports

TransUnion, XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, XXXX and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion XXXX and XXXX has neither corrected nor removed disputed items despite the evidence provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As TransUnion XXXX and XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

XXXX2017 XXXX they called and harrased me. im suffering from XXXX. this is not mines. i can barely read or right
Product: Credit card

In late XXXX, I filed a complaint with the XXXX  on Citibank stating that they would not increase my credit limit. Citibank responded saying they have a policy that requires them to wait 6 months. Citibank contacted me to let me know this to which I explained I have already found a competitors credit card and was fine with not getting a limit. The person on the phone informed me that they could reach out to the " analyst desk '' or " underwriting team '' to do a second review, but it would require a credit check ( hard inquiry ). 

I then received an immediate denial for the same reason as explain before ( no credit limit increases in 6 month ), except now my credit was dinged. 

I have asked them continuously, without clarity, as to : 1 ) Why was I offered the option to provide a credit report if it were against Citi policy?

2 ) If Citi did not review my credit report and instead denied me for the 6 month rule, what was the point of provide the credit report? 

It appears that they have penalized me for requesting a credit limit increase despite it being against their own policy, and punishing me, the consumer, for signing off on it AFTER I explained that I already found an alternative. 

The impression the executive response team member indicated was that it would be reviewed, overriding the 6 month rule, but it wasn't. After a back and forth with Citi, Citi closed the case and is refusing to provide further information or clarity. They are also refusing to find a meaningful way to remedy this issue ( i.e. remove the credit report inquiry given they didn't in fact review it since it was against their policy ). 

I have tried to work with the company directly to come to an amenable solution and I am now being told that no further communication will commence. I need help please.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX : ACCT # XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  who qualified to have student loans forgiven. My Student loans were forgiven XXXX XXXX by XXXX the account was removed from my XXXX  account but has yet to be removed from my XXXX and transunion reports. No one is ever available to help with this matter when calling XXXX. I am in the process of buying a home and this does not reflect well on my behalf. XXXX currently has class action law suits against them for wrongful practice. I would just like some help in forcing them to do right by the people who trusted in them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  Account Number : XXXX I am a victim of identity theft this is not my credit account. 

XXXX XXXX Account XXXX : XXXX I am a victim of identity theft this is not my credit account. 

XXXX XXXX Account XXXX : XXXX I am a victim of identity theft this is not my account. 

Employers : XXXX I am a victim of identity theft this has never been my employer. 

Also Known As : XXXX XXXX I am a victim of identity theft this is not my name. 

Employers : XXXX XXXX XXXX XXXX  XXXX am a victim of identity theft this has never been my employer. 
XXXX XXXX XXXX XXXX TX XXXX I am a victim of identity theft this has never been my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received documentation from XXXX XXXX XXXX/XXXX on XX/XX/XXXX that documentation had been submitted to the bureaus to have all derogatory late payments removed as I am a military member and am protected by SCRA. I received an alert from XXXX on XX/XX/XXXXthat the accounts have been updated to 120 days past due. I called and spoke with a customer service representative from XXXX on XX/XX/XXXX and was informed that my account status is showing current.
Product: Student loan

In XXXX, I could not afford to repay my student loans. So they doubled. And then they doubled again. And again. Eventually the debt soared to an amount over $ XXXX. 
Our credit was completely devastated and we never recovered. 
Since, we cashed out my husband 's XXXX to pay student loans down, we have no retirement, and because I work ALL the time, I do not qualify for any of the Biden loan forgiveness. Frankly, we're disgusted. 
Eventually we negotiated with Navient to repay the only amount they would come down to. It was brutal. But! Navient told me that before I could resume paying my student loan debt, I would have to pay a company called Pioneer Credit Recovery Services over $ XXXX, that none of the payments to Pioneer would be applied toward the debt I owed, and that only after completing 6 consecutive payments ( for nothing ) could I begin repaying the debt I owed. We had so little money. Sometimes we sold things on XXXX, I babysat ( in my XXXX XXXX )  and worked a retail job to make these payments. We finally completed those 6 payments that were punishment for not being able to pay the astronomical payments to Navient. 
Now? I would like that money to be applied to repay what remains of my student loans. I pay just under {$1800.00} month, still. But that money went to nothing. Absolutely nothing. If I can not qualify for any other loan forgiveness ( even though I meet all the criteria with the exception of entering into the new repayment program that would add another 10 years onto the debt ), I would like that money they extorted from me to be applied toward my debt. Please help.
Product: Vehicle loan or lease

I have a 2011 XXXX XXXX finance by credit acceptance I went to trade this car in for a newer model car but they wouldn't take the car as a trade in I called credit acceptance and ask them could I make a lower payment to keep the car cuz I didn't want a repossession on my credit score so they agreed to let me pay less than the monthly amount due because now I have two car payments but they're not reporting it to the credit department that I'm paying them anything so I look like I'm just in default payment for {$9000.00} when I've been paying on it weekly
Product: Checking or savings account

A total of {$10000.00} was illegally taken from my account. I live in Massachusetts and work in XXXX, NH while the crime was being done. The transactions were done at chase bank, 2 locations in NJ and 1 location Washington. Dates of the the crimes were between XX/XX/XXXX - XX/XX/XXXX. I put out various claims at my local branch ( XXXX, Ma and XXXX, NH ) also over the phone/online with the fraud department. Both cases been closed and have told me that theres in nothing they can do and refuse to return my money even though they were done at their branches.
Product: Consumer Loan

I have told my loan company not to call me at work. It is against our company policy to get personal phone calls. I have been warned by my employer once already. I informed the finance company on XXXX occasions not to call me at work but they continue and say they do n't have a note of it. They do not try contacting me on my personal cell phone, they only call me at my work number.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX XXXX  - XXXX - {$22000.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$51000.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.
Product: Debt collection

This collection account was already disputed and taken off my account over a year ago. I was forced into an ambulance against my will and had sent 2 letters of dispute for this balance to the hospital. I the. disputed this with the previous creditor who owned this debt starting XX/XX/XXXX ( XXXX ) and it was taken off my record for being a wrongful debt. Now this company is claiming this debt and restarting the statue of limitations claiming XXXX, with whom this account was closed already, sold the debt and it is within their rights to restart the statue of limitations. This account has been closed for about a year already and needs to be taken off my credit history.
Product: Debt collection

ONE ADVANTAGE, LLC HAS VIOLATED MY RIGHTS AS A CONSUMER. SEE ATTACHMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX off XXXX Recent changes XXXX XXXX XXXX XXXX point since XX/XX/2023 Balance Increased XXXX account balance increased ^ Between XX/XX/2023 and XX/XX/2023, your XXXX automotive account balance increased by {$150.00} from {$35000.00} to {$35000.00}. 
It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Balance Decreased XXXX XXXX XXXX account balance decreased Today XXXX XXXX XXXX XXXX Wrong info from XXXX XXXX to Transunion
Product: Credit reporting

The accounts in question are XXXX XXXX ( XXXX ) The statue of reporting has expired as of XXXX/XXXX/XXXX and it remains on my credit report. 
XXXX XXXX ( XXXX ) The orginal account was charged off since XXXX XXXX and both accounts are reporting and its passed the staue. 
XXXX ( XXXX ) Reporting pass the statue.Original delinquency wasXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th request 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$40.00}
Product: Debt collection

On XX/XX/XXXX USCB reported three collection on my XXXX  Credit Report for XXXX XXXX, a medical collection. They stated I owed balances of {$150.00}, on the first collection, {$350.00} on the second collection and {$120.00} on the third collection. I was just started a XXXX XXXX XXXX and was declined credit multiple times shortly after with reasons stating that there were multiple collections on my credit report. I contact USB quickly and explained that I do not owe XXXX and money and in fact paid the balance owed to them in full on XX/XX/XXXX see attached payment receipt. This XXXX  balance is proof that all my medical bills including my wife 's bills, my children 's bills are at a XXXX  balance. They are on my medical  plan. This is not the first time XXXX has tried to do this. They did it last year right about the same time, and that time I had deal with it.
Product: Credit reporting or other personal consumer reports

I have inaccurate information on my credit file for a very long time now Ive tried to dispute it many time but keeps getting rejected.. I have tried to explain to the companies and the credit agencies that this information is not accurate.. 

XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And that my personal information needs to be corrected as well. 

I have provided my bank statement to show my one and only correct address and spelling of my name..
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding Experian 's Handling of Dispute Investigation Im writing to file a formal complaint against Experian regarding their handling of a recent dispute investigation related to my credit information. The purpose of this complaint is to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in ensuring that Experian conducts a proper and thorough investigation in accordance with the Federal Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I submitted a dispute to Experian regarding certain items of information in my credit file. I included supporting documentation such as my bank statement and a copy of my social security card to verify my identity However, I recently received an email response from Experian indicating that the dispute request did not appear to have been sent directly by me or to be authorized by me. This is not accurate, as the dispute was indeed submitted by me directly. 

In light of this, I am concerned that Experian is stalling on investigating my dispute and taking the necessary actions to verify the accuracy of the information in accordance with the FCRA. I firmly believe that my dispute is valid and that Experian should be obligated to investigate it thoroughly and in a timely manner. 

As outlined in the FCRA, if a consumer disputes the completeness or accuracy of any information in their credit file and notifies the credit reporting company directly, the company is mandated to reinvestigate the dispute at no charge to the consumer. I am therefore requesting that the Consumer Financial Protection Bureau intervene in this matter and ensure that Experian fulfills its legal obligation to conduct a proper investigation. 

Furthermore, I kindly request that Experian be required to adhere to the guidelines set forth in the FCRA, the Federal Communications Commission ( FCC ), and the Consumer Financial Protection Bureau ( CFPB ) in regards to investigating consumer disputes. If Experian is unable to verify the accuracy of the disputed information as per the FCRA, I request that the company be mandated to delete the accounts in question from my credit report. 

I understand that Experian has provided a phone number ( XXXX ) and a secure website ( www.experian.com/dispute ) for disputing inaccurate information. However, despite following the proper procedures and providing the necessary documentation, I have encountered unnecessary obstacles in having my dispute properly investigated. 

I kindly urge the Consumer Financial Protection Bureau to intervene in this matter, ensure that Experian complies with the FCRA, FCC, and CFPB guidelines, and take appropriate action to resolve this dispute in a fair and accurate manner. 

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

To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4. The inquiry was not authorized XXXX XXXX, XXXX. 
Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Debt collection

XXXX  : questioned by the attorney working for the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    (   XXXX   ) abo ut the loan in question ( she should not have had knowledge of it whatsoever )  XXXX  :   XXXX   and held in  XXXX  in  XXXX   XXXX   XXXX  for   XXXX   XXXX   related to this student loan  XXXX  : previously reporte d Sallie Mae for v iolations of their privacy policy and disseminating personal information about my loan to a  3rd  party (  XXXX  attorny  XXXX   XXXX   XXXX  )  XXXX  : was incarcerated in  XXXX   XXXX   XXXX  for  XXXX    XXXX   related to this student loan ; was informed that it had to do with  Sallie Mae wanting to pursue  charges  XXXX / XXXX /  XXXX   : Released cosigner from liability relating to this student loan ( mailed letter to  Salli  e Maw hea dquarters ). Spok e to a Sallie Mae representative on the phone, was told that the loan in question was in default and he gave me two s ettlement options ( neither of which is practicle nor can I afford them )
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/scrub>/2022 Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX/2022
Product: Debt collection

I am writing to file a formal complaint against Source Receivables Management regarding their inappropriate conduct and harassment during our recent phone conversation seeking resolution and requesting a modification to the method of communication between us. I have received multiple phone calls from Source Receivables Management in relation to an outstanding debt, and I must express my disappointment in the unprofessional and disrespectful behavior exhibited by their representatives. Their tone, language, and persistent attempts to intimidate me during these calls have not only caused me significant distress but also violated the rights afforded to consumers under the Fair Debt Collection Practices Act. 

I firmly believe that all individuals should be treated with respect and courtesy, regardless of their financial circumstances. I kindly request that you investigate this matter thoroughly and take appropriate action to address the unprofessional conduct exhibited by this terrible company. 

Furthermore, I am requesting a modification to the method of communication between Source Management and myself. In light of the disrespectful phone interactions, I kindly request that all future communications regarding this debt be conducted via email or mail. This will not only allow for a more efficient and documented exchange of information but also help ensure that any misunderstandings or disputes can be resolved in a calm and measured manner.