23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I attempted to close this account, and in so doing I was informed that the ending balance was {$220.00}. I was also informed that I had " reward points '' too. I asked if they could be used to pay the final amount? I received an email dated XX/XX/XXXX that said I could. The amount was {$100.00}. 
I then wrote a check for {$110.00}, made a copy of this email, and put it in the mail to Bank of America. Eventually, they cashed the check but never acknowledged the email. Then on XX/XX/XXXX they sent me a letter regarding this, and asked me to call to resolve the problem, which I did. I talked to XXXX people, the first seemingly agreeing with my situation, but the second person said that since I had closed the account the reward money indicated in their email, didn't apply. I refused this as a legitimate answer since the email was dated the same day I closed the account, XX/XX/XXXX? 
They continued to bill me for the difference, charging late fees. I sent them a letter dated XX/XX/XXXX outlining what I had done but, still didn't get a response. 
They continued to send me invoices adding late fees, and at one point I sent them another copy of the letter I sent dated XX/XX/XXXX. 
The next thing I know I receive a letter from XXXX XXXXredit agency warning me about my credit6 score being affected by my not paying my BOA bill, and the effect it had on my rating? All this for a bill I paid? I'm in the process of resolving this ( hopefully ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment is due to XXXX XXXX XXXX on the XXXX of each month. My report states that my account is 30 days late when it is not. Today is XX/XX/2021. From the XXXX of last month to the XXXX of this month is only 13 days. My payment is scheduled to come out on my bank account on XX/XX/2021. Even so, that is 18 days and not 30. This inaccuracy took 94 points off my credit report and to be completely honest, I am thinking to get rid of this loan and refinance with another company. This is fraudulent. The date that is showing when they reported was XX/XX/2021. Even so, the XXXX to now is 6 days including Saturday and Sunday. I filed additional complaints with other places including this bank also lying on my auto loan application about my finances and bills. Most of that information is also incorrect.
Product: Debt collection

On XX/XX/2021 I check my credit and I notice that a new collection account was added to my credit collection history. An account was open with XXXX Since XX/XX/2021 and has not been paid and refer to collections. I disputed this information per the address were services are been giving is not my address. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX and the address where services were request is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. A letter was mail to the tenant of this apartment letting her or he know that I know he using my information to obtain cable. XXXX delete this information from my credit report but I am still worry about my personal information specially my social security number.
Product: Credit reporting or other personal consumer reports

Vehicle purchases by XXXX XXXX 2005 account is closed and charged off. Continues reporting negative on my account. My x states she put it on her bankruptcy. But why continue on my credit. Not mine
Product: Credit reporting or other personal consumer reports

FINAL NOTICE! I have contacted this companies that I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS and UNITED STATES of AMERICA FEDERAL LAW. 

Please block and remove all information from my credit report and send me an updated copy of my credit report. 


Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 
In accordance with the FCRA, a consumer report excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Any inclusion of late payments or derogatory statuses constitutes a clear infringement of 15 USC 1681a ( d ) ( 1 ), as this information relates to the consumers experiences. 



Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow XXXX highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Received information from another creditor whom denied me an extension of credit due to a negative entry on my credit report placed by XXXX XXXX. After receiving the notice via mail from the creditor, they referenced Equifax as the provider of data. I pulled my Equifax report to find XXXX XXXX had placed a negative entry on my credit file which also appeared on my XXXX  file. I sent a debt validation letter to XXXX  XXXX dated XX/XX/2017 via USPS Certified mail with Return Receipt. XXXX XXXX received the debt validation letter as evidenced by the signed Return Receipt I received back from post office. Although XXXX XXXX never provided a response to my request for debt validation via mail nor phone, they removed the negative entry from my XXXX file but did not remove the negative entry from my Equifax file. Due to XXXX  XXXXXXXX XXXX failure to validate the debt as requested and their refusal to respond in an appropriate time frame, I am requesting immediate removal of this negative entry from my credit file as I am entitled to receive under the Fair Debt Collection Practices Act. Prompt attention to this request is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the first attempt, I tried to correct a matter of accurate information in the credit report. The issue at hand was of a paid debt, not showing in the credit report accurately on the date of settlement. There are multiple charge offs on multiple months and years when they should only be one on the initial date of write off. The credit agency XXXX are not taking the steps to eliminate these inaccuracies on their most recent, resolved, completed dispute investigation. I provided documentation for every inadequacy in my report for specific creditor. The first charge-off was on XX/XX/XXXX. They are charge-offs every month between XX/XX/XXXX and XX/XX/XXXX on every month. they are also not marking the last day of payment as paid to agree on XX/XX/XXXX instead, it is marked as a charge off. This does not explain or indicate why the creditor or the agency hadto mark charge off multiple times which is damaging my credit, worthiness, and any chance of me getting a Home or obtaining credit. there should only be one charge off date because this is the date the creditor written off the amount I owed. Since then I made a settlement with the creditor, and I should have a chance to repair my credit.
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. 

XXXX XXXX XXXXXXXX : # 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i contacted XXXX XXXX XXXX because i noticed wrong information reported on my credit report about a auto loan of XXXX was paid in full and the company deleted the account instead of report the correct information its not right that i remain paying of the car and not having any car loan on my credit report in with it was paid off in full in XX/XX/XXXX the company changed their name to XXXX XXXX XXXX with when i started the loan the company name was XXXX XXXX XXXX XXXX i contacted the credit bureaus with the problem then i contacted the company still no help
Product: Debt collection

Please refer to complaint XXXXXXXX is alleging that I owe $XXXX which resulted their breach of contract.  Also, I did not have a signed contract with XXXX.  XXXX, Diversified Adjustment Service, XXXX XXXX XXXX, and XXXX XXXX are all represented by XXXX.  These companies have failed to provide the, oral contract, that I had with XXXX.  I request a transcript of this oral contract on about 15 different occasions over the years.  XXXX breached its contract with me and that breach resulted in the alleged debt of $XXXX.On dozens of occasions, with XXXX  and their collection agencies, I have tried to settle this debt to avoid the horrible tactics of the collection agency.  Finally, the CFPB ordered this debt from my credit report but now XXXX is circumventing your agency by emptying another debt collectors named diversified adjustment service.  To be clear, I do not acknowledge this debt.XXXX  has been notified in writing to cease and desist communications but they are not obeying that order.  The collection companies have not been operating in accordance with the Fair Credit Reporting Act.
Product: Mortgage

In XX/XX/XXXX we went to seek help to save our home thru a modification with an organization called XXXX. My husband and I were told this was a NON-PROFIT organization but as we discovered, it was far from Non-profit. We were asked to pay {$1000.00} to {$1500.00} a month and did so for the next 2 years. We never received our modification and our home is scheduled for foreclosure on XX/XX/XXXX. This is a Wells Fargo Loan and we told them we were victims of FRAUD, they stated they did not get involved with 3rd parties. We are currently in for a modification but struggling to see a good result as now the bank has scheduled a foreclosure and says we are still under review for a modification. I was under the understanding that a foreclosure could not be initiated if you were in for a modification, but that appears to not be the case.Please note : within my attached documents ( document scan # 3 ) is an authorization to please contact XXXX  XXXX with any correspondence and she can be reached at XXXX or via email : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX XXXX  against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I have a medical debt that I paid in full. When I first made arrangements to completely pay off the debt. I was told that they would fully remove the Collection from my credit report only if I paid the entire balance owed. I was given the opportunity to make a payment arrangement and make payments of XXXX per month until the entire balance was paid. I made all payments and even finished paying the debt back a month earlier. Today XX/XX/2019 I ran my report and the debt is still reporting on my credit. The balance looks like it is up to date but the debt is still reporting as a collection. Per the representative it should have been removed. I called CMRE Financial Services and they told me that they can't remove it that it is up to the credit bureaus to do it. I was mislead from the beginning and the statement about not being able to remove the item off of my credit report is hurting me with having to finance higher rates and not being able to qualify for new loans.
Product: Credit reporting or other personal consumer reports

This company experian continues to refuse to add missing address that they wrongfully took off my bureau report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is missing n causing direct effect on missing accounts that should be reporting only address thats reporting is XXXX XXXX XXXX XXXX XXXX OR XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  and have been trying to rebuild my life. Due to Experian 's personal, willful, and negligent intent to violate the law, I have been unsuccessful in my efforts to remove adverse accounts under the Debt Bondage Repair Act, a law that was signed by XXXX XXXX. 

Experian violated my constitutional rights as outlined in the Fair Credit Reporting Act below : 1. Section-by-section analysis of 1022.142 ( e ) in the proposed rule, the Bureau does not interpret section 605C as giving the consumer reporting agency the discretion to contest the merits of the submitted XXXX  documentation, if it meets the definition in section 605C ( a ) and in 1022.142 ( b ) ( 6 ) ( i ), nor does it interpret the statute as giving a consumer reporting agency the discretion to challenge a consumer 's determination that an adverse item of information resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXXg under 1022.142 ( b ) ( 6 ) ( ii ). Accordingly, the Bureau is amending the text of new 1022.142 ( e ) ( 4 ) to provide that a consumer reporting agency may not decline to block or rescind any block of adverse information identified by the consumer or if applicable, the consumer 's representative, based on the validity of the facts or circumstances detailed in the contents of the submitted XXXX  documentation under 1022.142 ( b ) ( 6 ) of this section. 

In XX/XX/year>, Examiners of the CFPB has stated in their supervisory highlights that Credit Reporting Agencies are continuing to violate the laws set to protect me as a survivor. I have submitted court documents which shows the expungement of my criminal records ( Prostitution ) that was a result of XXXX XXXX  Since the case was destroyed, the expungement qualified as a legitimate victim determination document. Experian is consistently declining my request, claiming that they are unable to verify the documents. Under what authority does Experian have the power to function as investigators, and how can they verify expunged court records? All other credit agencies have adhered to the law, with the exception of Experian, which is causing me to feel discriminated against.

Now my life is further endangered due to the intentional and irresponsible actions of Experian and its representatives in disregarding federal laws. It appears that Experian is attempting to further humiliate me by forcing me to contact each creditor to request the removal of the account, when the CRA should be responsible for complying with the law. 

Experian has all of the documents and identity verification to process my request. Please ask them what are they attempting to verify? I am asking for federal and state assistance to hold Experian accountable for violating the laws set under FCRA. If anything happens to me, it will be due to Experian 's negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes with equifax in regarding them reporting inaccurate data on my credit file damaging my good name and they have ignored my request to fix the problem. Here are a few of my dispute that's gone unanswered XXXX dated XX/XX/21. Dispute XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Those are a few of my many disputes. I spoke to many representatives of equifax they have Launched atleast four investigations and escalated my disputes numerous times and still nothing. It's almost like equifax doesn't even have communication with the creditors and they don't verify information they are posting to your file. I have attached proof for them to correct the inaccuracies and they ignore it.
Product: Debt collection

Last year, someone used my social security number to open a XXXX account and then closed it with {$750.00} in unpaid debt. I learned of this in XXXX 2016 through " Credit Management '' - debt collectors who said I needed to settle things with XXXX. My identity theft protection firm and I both did this separately and simultaneously. 

Consequently, XXXX confirmed that the account was opened by someone else and that they were removing that debt from my account. Credit Management confirmed the same and promised no further communication regarding this mistaken debt. 

Since XXXX, however, I have received incessant phone calls ( 5/week ) and yesterday I received a written invoice to pay Credit Management directly.
Product: Credit reporting or other personal consumer reports

Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that were fraudulent and I am in the process of clearing up my credit due to the loss of my wallet and my Chex Systems I have filed a FTC identity Please remove the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, I have never applied for a XXXX   XXXX, XXXX XXXX or any online Payday Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account and Inquiries I did not authorize
Product: Prepaid card

I bought a Vanilla gift card from XXXX. I sent the gift card to my mother, and she lost it. I called to get a replacement card on XX/XX/year>. 

The representative said to send them a verification of address document, a copy of my ID and my store receipt, and I did. 

Since then, I've been calling back, and they have been asking for additional documents, and also claiming they have not received the documents I send them. They asked for a color copy of the ID - I sent it. They asked for another bill that has my address- I sent them two different bank statements now. I keep sending, everything exactly as they ask. I get confirmations that my emails have been received. Each time I hear nothing back, and when I call- they tell me that what I sent is either not enough, or they need it sent again, or that I need to keep waiting. It's been a month and a half of this already, with no resolution in sight. 

I'd like a refund. 
My case number with Vanilla / Incomm : XXXX I am attaching all documents I have sent them.
Product: Credit card or prepaid card

I have an account at Zales. I made a promotional purchase on XX/XX/XXXX for {$4000.00}. This promotional purchase was to include no interest if paid off by a certain time frame. I utilize paperless billing and I strictly only use the website to pay my bill each month. At the bottom of the Home page of the site, there is a section that shows promotional purchases and their date of expiration. On XX/XX/XXXX, I made a payment and I made sure to check the promotional purchase section to make sure that I did not have any promotional purchases expiring. It only showed 1 promotional purchase due to expire in XXXX of XXXX which was for a {$570.00} purchase on XX/XX/XXXX. I logged in yesterday, and to my surprise, they hit me with {$1700.00} fee for the promotional purchase back in XXXX of XXXX. I believe that Zales/Comenity PURPOSLEY removes promotional purchase expiration information the month prior to expiration so that the consumer misses the date. This is NOT something that I would miss, as I know to check it every time. I had thought that I had one coming due, but I figured it was paid off since it did not show. I wonder how many other consumers this happens to with them?! I contacted them immediately, and was treated with condescension. So now, I am requesting your assistance please! 
Thank You,
Product: Credit reporting or other personal consumer reports

I dont know how or why your company placed inquiries on my credit report, but I did not authorize them
Product: Vehicle loan or lease

I respectfully Request the XXXX  assistant in insurance XXXX  Carmax auto finance engages in a fair and transparent process to evaluate my financial hardship. Considers reasonable options for payment adjustment, such as long-term extensions, interest rate reductions or temporary forbearance. Heres to federal laws and fair leading standards to ensure borrowers and hardship are treated equitably And with dignity. I am filing a complaint against Carmax auto finance regarding the refusal to offer assistance or adjust my car loan payments despite my current financial hardship. Under the XXXX, XXXX, XXXX XXXX reform and consumer protection at financial interest solutions are prohibited from engaging and unfair, deceptive or abusive acts or practices. Refusing to work with a borrower in good faith during financial hardship could be seen as contrary to the principles of fair collection