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

My account with EXPERIAN 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 in ( MONTHS REPORTING 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.

EXPERIAN 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

I made a payment of {$200.00} on XX/XX/XXXX it was credited on XX/XX/XXXX however, not applied to my credit available balance. I am being told the payment needs to be verified and will be held for up to 26 days.
Product: Credit reporting or other personal consumer reports

My ongoing efforts to address these concerns have not led to a resolution. Your firm 's response to my credit report dispute deems my request for verification as " frivolous '' or " irrelevant. '' It's important to clarify that I don't view this matter lightly. Should my initial request for verifying the items go unacknowledged, I am prepared to file a complaint with the Federal Trade Commission. I respectfully request validation of the alleged item, specifically the contract, note, or any document with my signature. Without such validation, I insist on the prompt removal of these items from the report.
Product: Credit card or prepaid card

XX/XX/2022 I noticed my XXXX  card was being used I tried calling the numbers listed on line was told 2-3 days for a call back I have all paperwork from then of my reaching out XXXX was taking from my XXXX  card and they wont call me when they email months later they said it wasnt in my favor I want my funds and I have proof they owe me THE COST OF LIVING IS TO HIGH IM A SINGLE MOTHER OF XXXX during these times coming out of Covid 19 and having to still beg for my funds u have no idea what me and my children went threw please help
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 XXXX XXXX XXXX. 
Accounts : XXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # 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 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

currently reporting XXXX invalid debts based on false claims and / or false representations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a person by the name of XXXX using my credit report. I receive emails with his name attached to my report. I called all 3 bureaus and nothing was done. I reported that there was identity theft and I received an email regarding identity theft tied to my name and email account. The report comes from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and did not realize it until just recently. My credit report has inaccurate information and accounts that do not belong to me, I am asking to please remove these accounts from my report immediately. It is against the law to keep these accounts on my credit report, and it is affecting my personal life in many ways. PLEASE REMOVE THESE ACCOUNTS XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) : XXXX XXXX XXXX XXXX : XXXX Hard inquiries not authorized by me : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 The accounts listed above were not authorized by me and they need to be removed from my credit report.
Product: Debt collection

I had an attorney who represented me in a collection case with Discover. He entered into an agreement with XXXX XXXX XXXX in XXXX XXXX, to which I paid faithfully every month until my obligation was met in the fall of 2019. I noticed that none of my payments was recorded by Discover, and they still have me owing the final amount, which was not the negotiated amount. I then got another letter from XXXX & XXXX trying to collect the same debt. What happened to the money I paid XXXX XXXX XXXX? Why hasn't the Discover account been credited with that money, and why isn't the debt being adjusted by the payments I made. The payment arrangement was not much different than the total amount of the debt owed - in other words, it wasn't a 50 % debt reduction. So I want Discover to recognize the payments and the debt to be satisfied as per our agreement.
Product: Debt collection

I was contacted by Hunter Wakefield on or about XX/XX/XXXX for a debt in the amount of {$1600.00}. I investigated the company via Better Business Bureau of XXXX, FL and discovered that this firm had over 300+ complaints. After many hang-up calls, the firm finally left a message. I called back and thought we were making progress in negotiating a settlement. I spoke to XXXX XXXX on or about XX/XX/XXXX and made my final offer to settle. Unfortunately, he became angry and belligerent and hung up on me. See Attached documentation.
I continue to receive hang-up calls from a phone number related to Hunter-Wakefield. I 've sent a certified letter requesting the calls to stop. See attached documentation. <P/>Can you help? <P/>XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted disputes about the negative information on my consumer report to this company on numerous occasions and the company did not investigate these disputes properly.

( Experian or the Company ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX XXXX XXXX Inaccuracies Charge-Off Status and Payment History : o Both XXXX and Experian list the account as " Charge-off '' with a balance of {$16000.00}, but there is no explanation for this status. 
o The payment history does not show late payments leading up to the charge-off. 
2. Inconsistent Reporting Across Bureaus : o XXXX : Provides no data for this account, resulting in an incomplete report across all bureaus. 
XXXX. Future Reporting Dates : o Last Reported : XXXX and Experian report a " Last Reported '' date of XX/XX/XXXX, which is a future date and violates the FCRA 's timeliness requirements. 
XXXX. Resolution of Consumer Disputes : o Both bureaus mention a prior dispute with comments such as " Dispute resolved reported by grantor '' ( XXXX ) and " Account previously in dispute now resolved '' ( Experian ), but no resolution details are provided. 
5. High Credit vs. Balance Discrepancy : o High Credit : {$27000.00}.

o Balance : {$16000.00}.

o While this discrepancy may not be inaccurate, it requires clarification. 
6. Date Last Payment vs. Date Last Active : o Date Last Payment : Listed as XX/XX/XXXX. 
o Date Last Active : Listed as XX/XX/XXXX. The date discrepancy requires correction or clarification. 



Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted. 
2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement. 
3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVE a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$820.00} XXXX XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXX XXXX Owed : {$15.00}
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Block , inc due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) they took my money and blocked my account XXXX
Product: Credit card or prepaid card

Hello my I recently got approved by Chase Sapphire preferred Thursday XX/XX/XXXX I was instantly approved for XXXX credit limit I was in the process of moving and called them that same night to update my new address I 'm moving to, to have my card sent there I passed all the verifications and I got the rush delivery so my card arrived Monday XX/XX/XXXX once I got my card I called to activate it and was sent to the fraud department I passed the identificafion verification and my account was off hold and my card was activated by the specialist who also told me I would n't have to worry about any issues or my account being on hold again so today XX/XX/XXXX I tried to use my card at the ATM and was declined I called chase again and they said my account was on hold again I passed the  verification process once again and they said they could n't access my account but gave me a number to call XXXX I called it and she said my account was under periodic credit review I did nothing to trigger it and I verified who I was now I can not use my card that I was approved for and was told to wait 7-10 business days till they pull my reports and I have been trying to build my credit so on the day of XX/XX/XXXX I got approved for an XXXX card for XXXX credit limit and a XXXX XXXX visa for XXXX and 2 other inquiries that day
Product: Credit card or prepaid card

Received a postcard that offered XXXX XXXX miles if I signed up for a Gold American Express card. I applied and received the card XX/XX/XXXX. 

When I had not received the bonus miles by XX/XX/XXXX I called the company and was told that the offer did not apply to anyone who had previously had an American Express card ( I last had a card in XX/XX/XXXX ). 

There was nothing in the advertised offer that said kings x if you had a card three years ago. Therefore, extremely misleading.
Product: Debt collection

I am writing to express my deep concern and dissatisfaction with the debt collection practices employed by IQDataCollections in their attempt to collect a debt of {$6100.00} from XXXX XXXX " XXXX XXXX. '' My experiences with IQDataCollections have been troubling, and I find it necessary to bring these issues to your attention. 

Refusal to Provide a Final Invoice via Email : I have repeatedly requested IQDataCollections to furnish me with a final invoice detailing the outstanding debt. Unfortunately, they have consistently refused to provide any documentation via email, claiming that their processes are exclusively handled over the phone. The only proof provided thus far is a copy of a ledger dated XX/XX/2023. This lack of transparency raises serious concerns about the legitimacy of the debt. 

Unusual Payment Demands and Lack of Online Transaction Records : IQDataCollections has insisted on payment through a credit card or debit card, explicitly stating that money orders or cashier 's checks are not acceptable. Furthermore, they maintain that there is no record of the transaction online. This unusual payment demand, coupled with the absence of online transaction records, has heightened my suspicion about the legitimacy of the debt. 

Refusal to Adhere to Communication Preferences : Upon noticing irregularities, I requested that all communication be conducted through email to ensure a documented trail. Despite this request, IQDataCollections has persistently ignored my preference for email communication and continues to insist on handling matters over the phone. 

Use of Abusive Language and Threats : The situation took an alarming turn when the individual representing IQDataCollections resorted to using abusive language and issued threats. I was threatened that my family and I would be living in our car, and that I would never be able to rent an apartment again. The person making these threats explicitly mentioned that I should remember their name when these unfortunate events occur.
Product: Credit reporting or other personal consumer reports

There are several accounts inaccurately reporting on my credit report. I have no idea where these account come from. I am tired of disputing accounts that do not belong to me. Not to mention, the creditors that are reporting this information are refusing to investigate the matter. This has to be illegal for them to do this. Please assist me in getting this matter resolved and removed from my credit file. 

The following accounts are not mine : XXXX XXXX XXXX showing on my XXXX XXXX XXXX showing on my Transunion and XXXX XXXX  showing on my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Their was a Derogatory Remark about a Collection put onto my credit report with all   XXXX   credit reporting agencies. The remark indicates that I owe  XXXX  {$3800.00} and this account is now in collections.   - I have never had an account opened with  XXXX , and there is no credit account open on my credit report with  XXXX .   - I have also never been contacted by the collection agency, Convergent Outsourcing, about this or any other collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my consumer report, the collection account by Midland Credit has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT
Product: Money transfer, virtual currency, or money service

I received an email on Friday at XXXX EST that I had upgraded my XXXX account. I immediately logged in and changed my password and tried to void out the upgrade. Unfortunately my PayPal was already charged. Shortly thereafter I received a notice that I had " forgotten my password ''. I disputed the charge with PayPal, because it was an unauthorized charge, but they claimed it was an authorized charge because I had an agreement in place with XXXX. The only thing I could do with XXXX was change my password and cancel my account. I reached out to XXXX and informed them of the unauthorized transaction and they said there was nothing they could do to issue a refund because PayPal had charged me.

As a result of both of my complaints, both PayPal and XXXX refused to issue a refund for the unauthorized transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Names 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to express my concern regarding some inconsistencies in my credit report that I've found. I am attaching copies of all letters sent below. 

Although I was not expecting these errors, I am confident that your system will be able to fix them. I recognize that maintaining reporting accuracy is a crucial component of your organization 's mission, and I trust you to address these inconsistencies and make the necessary corrections. 

Such errors in my credit report are concerning, and I think other clients might experience the same emotions if they encounter a similar circumstance. To increase transparency and regain the public 's trust, I believe it is our collective responsibility to swiftly rectify such errors. To hasten the resolution, I am prepared to offer any further details you may need. 

The Fair Credit Reporting Act ( FCRA ), particularly sections XXXX and XXXX, I believe offers consumer protection in such circumstances, so I will make sure to mention that. In accordance with Section XXXX, you have 30 days to conduct an investigation after we dispute any inaccurate or incomplete information. A credit reporting agency is required by Section XXXX to offer consumers a free copy of their file once a year upon request. 

The foundation of our financial system is made up of credit reports, and any errors can have serious repercussions. Therefore, it is crucial to fix these mistakes right away. By taking prompt action, I believe we can not only solve this problem but also stop similar occurrences in the future, protecting the integrity of the system. 

Despite the difficulties, I am still certain of your dedication to truthful reporting, which I believe will help to speed up a resolution and restore my faith in your company. 

I appreciate your compassion and your prompt attention to this issue.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX OF XXXX XXXX Balance : {$53000.00} XXXX XXXX XXXX Balance : {$9900.00}