23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers : XXXX ; XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. 

XXXX and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( Please see page 10 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing XXXX XXXX I found out the package is delivered that I did not order went to an address that was not my address I never lived on XXXX XXXX I did not order anything or open a XXXX account I want this deleted from my credit report
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

The complaint is with XXXX and XXXX XXXX XXXX I have the benefit of my mobile phone being insured as long as I paid my bill with my VISA card. This is what sent to XXXX and XXXX XXXX XXXX : In XX/XX/XXXXI dropped my XXXX and broke it. I ca n't see what 's on the screen and it has been acting up since I dropped it. I am desperate for a new phone. I meet all the requirements, have uploaded everything needed to be reimbursed for the cost or replacement of my XXXX XXXX. When I got no response to the claim that I filed by phone in XX/XX/XXXX, I filed an online claim. Every time I talk to XXXX XXXX XXXX I get the run-around. I paid my XXXX bill for years with my Wells Fargo Visa. I have a broken phone which is covered in my card benefits. Surely this is not the way XXXX treats its customers. Please take control of this and resolve this issue before I have to take further action. The claim number filed by phone is XXXX. The claim number filed online is XXXX. Thank you. XXXX XXXX XXXX XXXX XXXX needs AT LEAST some attention for not resolving this issue in a timely matter. I 'm still waiting for a resolution.
Product: Credit card or prepaid card

Creditor is trying to illegally collect a debt without providing validation nor verification, along with other documents requested.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX reported a 90-day late payment which has impacted my ability to obtain credit. In accordance with the Fair Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer plan late for any purpose.
Product: Vehicle loan or lease

On XXXX/16 we leased a vehicle, the terms of the lease states we will have 27 payments on the vehicle, and in the payments {$1100.00} worth of taxes are included into the payments. Line 13 on the GM Financial lease agreement states OFFICIAL FEES AND TAXES : The total amount you will pay for official and license fees, registration, title, and TAXES over the term of the lease, weather included in your scheduled payments or assessed otherwise is {$1100.00}. The total fees and taxes you pay might be different than this based on charges in the tax rates and the value of the vehicle when the fee or tax is determined. 
BUT the lease does NOT state the lessee would be required to pay Personal Property TAX. The ONLY mention of TAXES are the {$1100.00}, which are included into the lease payments. The Beginning of this year, I got a bill on line that stated I owe {$940.00} for Personal Property Tax. The ONLY taxes specified in Dollar amount and clear is that the {$110.00} for taxes that are INCLUDED in my payment. 
According to the Consumer Financial Protection bureau 's website, Section 1013.4 in the Contents of Disclosures : Part 4 ( C ) Payment schedule and total amount of periodic payments, the section 1 PERIODIC PAYMENTS.The phrase number, amount, and due dates or periods of payments requires the disclosure of all payments that are made at regular or irregular intervals and generally derived from rent, capitalized or amortized amounts such as depreciation, and other amounts that are collected by the lessor at the same interval ( s ), including, for example, TAXES, maintenance, and insurance charges. Other periodic payments may, but need not, be disclosed under 1013.4.

In Section 1014.4 ( N ) part 3 A tax payable by the lessor that is passed on to the consumer and is reflected in the lease documentation MUDST be disclosed under 1013.4 ( N ). A tax payable by the lessor and absorbed as a cost of doing business need not be disclosed.
Product: Prepaid card

I am a customer of Rush card and since XXXX XXXX th I have not had any access to my account or my money. As we speak I still have no access to my money or account. That is a total of 14 days and still counting of not having access to the money that I depend on for everything. I have spent the last 13 days trying to get through to through to customer service to no avail.
Product: Credit reporting or other personal consumer reports

I thoroughly reviewed again my credit report and I can still see the fraudulent items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Money transfer, virtual currency, or money service

I am filling out a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

My credit card info was compromised, there were numerous log in attempts, transactions and payments with out my knowledge of consent. Its been month Ive contacted the company numerous times no one has looked into it or anything! They keep talking me about a dispute from XXXX which was resolved but fail to look into what Ive notifed them about which took place on XXXX and is still occurring and yet Im being contacted by collections everyday for the debt! The company had also confirmed theyve sent my cards to incorrect address in the past!
Product: Credit reporting or other personal consumer reports

I AM A XXXX  FILING A COMPLAINT TODAY BECAUSE I HAVE ASKED THE CREDITOR TO DELETE CREDIT REPORTING INFORMATION DUE TO PAYING OFF THE ACCOUNT IN FULL ALONG WITH EXPRESSING THAT I HAVE A XXXX XXXX IN THE MILITARY THAT I WILL LOSE IF THIS IS NOT DELETED DUE TO IT LOOKING LIKE I AM A RISK AND CAN NOT HANDLE MY FIANANCES, ALTHOUGH I HAVE EXPRESSED THIS CONCERN THEY EMAILED ME AND TOLD ME EVERYTHING ON MY CREDIT REPORT IS REPORTING ACCURATELY WHICH IN DEED IT IS NOT, PLEASE HELP ME GET THIS REMOVED DUE TO ALL INFORMATION I HAVE ATTACHED BELOW TO INCLUDE PAYMENT HISTORY MISSING, ALONG WITH SOME PAYMENT HISTORY SHOWING I AM UP TO DATE ON PAYMENTS, AND ANOTHER REPORT REFLECTING I AM SERIOUSLY DELINQUENT. ALONG WITH INFORMATION MISSING THAT I HAVE HIGHLIGHTED PLEASE HELP ME RESOLVE THIS THANK YOU.
Product: Debt collection

I took a loan out with Lending Point in XXXX of 2018. I have been paying the loan but the date due kept escalating. I sent an email to customer service asking for a set date. I received a response and was told that in order to have a set date my payment would increase. I agreed to this adjustment and signed the necessary paperwork via XXXX. I was informed my new payment would be due on the XXXX of every month. 

I then received an email for that next month saying my payment was delinquent since prior to me adjusting my loan the payment due date would have been the XXXX of the month and this would have been then XX/XX/XXXX. I replied to the email that I had locked in my loan and the payment was now set to draft on the XXXX of every month. 

Two days later I received a call from a woman at XXXX XXXX stating that I was delinquent and I must make a payment. I informed her that I had already responded to an email that was sent to me regarding this issue and that I now had a set date for my payment to be withdrawn monthly, on the XXXX. She acknowledged that she had seen the payment was set to be taken out on the XXXX. She asked who I sent the email to and when I went to look for the email, our call was disconnected. 

I then sent an email to the woman I initially made the change with to confirm that my payment was to be taken out on the XXXX and she acknowledged that it in fact was processing the withdrawal and she wasn't sure why anyone would be calling me. 

Three days later I receive a phone call from my son telling me that this same woman ( he confirmed the actual number ) was calling him telling him that she had to get in contact with me and that it was a very urgent matter. This woman spoke to me, acknowledged my payment that was scheduled but yet continued to dun me and to call my emergency contacts and causing problems for me that she had no right to under the fair debt collection practices act. 

I have called the company to discuss my disgust regarding this matter and the fact that something must be done as she was trying to bully me into making additional payments that were not due. I was promised notification of resolution to this matter but have received none to date. I am hopeful that you will be able to assist me in resolution to these unfair practices by this business.
Product: Credit reporting or other personal consumer reports

I've been getting alerts for new account inquiries from Discover via the SSN protection program. I do not recognize these activities and have contacted Discover for additional details. I was advise to file a fraud report with the credit bureau for further protection
Product: Debt collection

I never received notice that this account would be placed back on my credit report, I have previously dispute this account and it was removed off my report.I have no knowledge or do not remember opening an account with XXXX. The account number is XXXX and the amount of this account is {$650.00}.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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.

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.

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!
Product: Credit reporting or other personal consumer reports

There are numerous inquiries on all three of my credit reports that I DID NOT authorize, not have I made myself. I have requested these inquiries be removed as I believe I am a victim of the recent data breaches that the credit bureaus have been a victim of themselves. And as such, I should NOT be made a victim as well.
Product: Credit reporting or other personal consumer reports

Logged in to my account on XX/XX/XXXX to make a payment. Upon logging in it would still allow me to make a payment but at the top of the screen it stated that my account was restricted due to reported fraud, notice that it did not state my account was closed nor did I ever receive a letterby email or mail stating that my account was closed or in danger of being closed for any reason. 
Upon talking with someone fromXXXX call center on that Sunday XX/XX/XXXX the person stated that my account was closed due to suspiciousPAYMENT activity, not sure what that meant so I told her that the account stated that someone reported the account for fraud. She stated that the account was closed XXXX, XXXX. I asked her why? She stated that they had several payments returned, now granted they admit they received a payment in XXXX that was not returned, so the account on XX/XX/XXXX could not have been past due as they received a payment in on XXXX for the amount of {$55.00} that was due from my bank account ending in They also received an overpaymentin the amount of {$400.00} in XXXXfrom the same bank account. XXXX, XXXX. Because of the {$400.00} payment no payment was due in XXXX. 
I did not know an email had gone out. As of today I checked my spam folder and received the below emails from them, stating that XXXX payment was returned. I never received an email from them stating that they were going to close the account or the account was in danger of closing. XXXX could have called or sent something in the mail and I would have just changed bank accounts. Instead they CLOSED the account causingme to losethe only credit card I have and reporting falsely to the credit reporting agency that the account is XXXX past due. When they closed the account according to them on XX/XX/XXXX. If indeed they closed the account on XXXX, XXXX the account was not past due at all for only a few days because they received a return payment. Now yes XX/XX/XXXX the account is past due 77 days because I didn't even know they closed the account and they did not get more than XXXX payment as they never told me it was multipleattempts to make a payment. XXXX is required by law to report accurate information. If XXXX is refusing to reopen the account then they need to report accurateinformation that the account was closed on XX/XX/XXXX and that all payments were made on time. XXXX can not report that the account was past due when it was not on XX/XX/XXXX when they admitted they closed their account because more than XXXX payment was returned from the bank within the same month. Due to this misreporting of false information I would be unable to get another credit card. 
ThereforeI am requesting as a resolution for XXXX to either re-open the account or report that the account was closed with no missed payments as it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are multiple fraudulent accounts on my credit profile from various companies like XXXX XXXX, XXXX XXXX XXXX, and XXXX CARD SERVICES. I demand that all negative/adverse fraudulent accounts are immediately and permanently deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX on XX/XX/XXXX regarding several inquiries that were on my credit report. The inquires were dated XX/XX/XXXX this has affected my score and I'm not aware of the companies listed. XXXX  told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.
Product: Debt collection

First Progress Card is reporting me Adverse and negative on my credit report. I tried to contact First Progress Card to report Identity theft but the representative was not helpful and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries that were not me Id like to get rid of by the companies 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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX XXXX XXXX accepts credit card payments through our secure website. Patients are reporting doxo.com is presenting itself as an option for patients to pay their bills but they charge the patient a fee. Their website is deceptive and it reflects our physical address and our phone number, but it tricks our patients into paying unnecessary fees. It poses as XXXX XXXX XXXX and misleads our most vulnerable people into thinking they are paying the hospital directly. This is incorrect and is causing people to pay additional fees they are not responsible to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is incorrect information. The company removed it because it is incorrect. Now, it is being reinserted. It is incorrect reporting. 

XXXX XXXX BANK XXXX XXXX A Account Number XXXX Account Type Collection Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Unknown Payment Status Details - Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit -  Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Ownership Individual account Original Creditor XXXX XXXX BANK NEVADA XXXX A XXXX Company Sold-to - Original Amount {$700.00}
Product: Debt collection

This original debt was included in my husband 's discharged bankruptcy ( X/2015 ) ... .the effect of the discharge is it is NOT enforceable on those community claims pursuant to 11 USC 524.
Product: Student loan

I have a student loan, I went onto my account to see the balance. It said XXXX  when I wen to see loan history, I saw that on XX/XX/22, it was sold. I was given no information about this and can not seem to get a response account XXXX
Product: Money transfer, virtual currency, or money service

In XXXX  Around {$700.00} was transferred via XXXX to two different people without my knowledge. I attempted to ascertain the funds back but was unsuccessful.
Product: Debt collection

I got a letter in the mail from " Central portfolio control '' company that they are trying to collect debt for " XXXX XXXX XXXX ''. This company bought what they claimed to be " my debt '' from " XXXX XXXX XXXX  ''. In XX/XX/2018 I filled an ID theft report because the latter bank and " XXXX  '' issued credits within one week on my behalf and the cards were maxed out. I discovered that there are two accounts under my name accidentally as I noticed my credit score was dropping. Both accounts were opened in XXXX, while at that time I didn't even live in NY. Unfortunately, I don't check my credit report often so missed these fraudulent accounts for months. I issued ID theft report, put a fraud alert on my account, and contacted XXXX  and XXXX. After few months these fraudulent debts were dropped from my report. Few months ago I noticed that there is a debt collector who bought the debt from " XXXX  XXXX XXXX  '', trying to collect ( {$800.00} ) and again it showed on my report. 
I don't know how these banks opened these accounts on my behalf without verifying my identity. I'm sure that the purchases can be traced to show that this was an ID theft crime and these banks are contributing to the fraud by being reckless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I disputed 2 times from Experian Bureau to dispute incorrect information from my credit report but they failed to investigate and didn't delete inaccurate accounts from my credit report and showed that they completed the investigation and the accounts will be remaining in your credit report. In the disputed notice, I showed to Experian that Under Fair Credit Reporting Act ( 15 U.S.C. 1681i ) 611 ( 5 ) ( a ) ( i ) after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete those items of information from the file of the consumer, or modify those items of information, as appropriate, based on the results of the investigation.

But after reinvestigation, they didn't verify those accounts and showed that they completed their investigation and those accounts will be remained in your credit report and violated FCRA. So I want to report to CFPB that Experian Bureau did fraud by not deleting those accounts which showing in my credit report as unknown. I sent dispute letters to Experian to validate or verify those accounts by showing some documents with my signatures but they failed to verify and didn't delete those from my credit report and violated FTC or FCRA. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was not aware of this purchase and debt until they turned it over to a collection agency, Northstar Location Services , LLC on XX/XX/XXXX. I equested a credit report and it shows the debt was aquired in XXXXXXXX XXXX XXXX and then writen off XXXXXXXX XXXX XXXX. If I owed them this money, why would they write it off after I requested information.