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

XXXX IS NOT RESPONDING TO MY COMPLAINT THAT WAS FILED ON XX/XX/24 WITH THE CFPB THEY CONTINUE TO KEEP SWITCHING THE INFORMATION BACK TO EXPERIAN AND EXPERIAN HAS NOTHING TO DO WITH IT. 
XXXX THEY CONTINUE NOT TO TAKE RESPONSIBILITY AND PUSHING IT ON EXPERIAN
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and unauthorized inquiries from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I have recently been a victim of a data breach, resulting in identity theft. The following accounts and inquiries are fraudulent and must be removed from my credit file : Fraudulent Accounts : XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$410.00} XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$520.00} XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$330.00} XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$320.00} Unauthorized Inquiries ( all dated XX/XX/XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I sent a check for payoff for two separate accounts to Capital One. It was applied on XX/XX/XXXX to one single account, leaving a balance on one card and a huge credit on the other. I called XX/XX/XXXX to have that corrected. I was told the only way to have that done was for them to issue a paper check. It would be 7-10 business days before I received that check. XX/XX/XXXX, I called again, having not received a check and still showing a credit on my account. I was told that refund check had not been issued, but they would process this time. I could expect it in another 7-10 business days. Today, XX/XX/XXXX, I called again. Check still hasn't been processed and they aren't sure why. So now, assuming they actually cut a check, it will be 5 1/2 weeks that they've had my money. It is affecting my credit score having that balance out there.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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


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


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

Attached you will find the original complaint against debt collector for violating my HIPPA rights. Company wrote a statement that they would remove accounts off my credit report. Company removed 10 of the accounts and left five more accounts my credit reports that I would like removed immediately based on the word in attached complain of company and for violating my HIPPA rights.
Product: Debt collection

PORTFOLIO COLLECTIONS CONTINUES TO AGGRESIVLY COLLECT ON THE DEBT THAT I DO NOT OWE. HARASMENTS, THREATS OR ARREST AND INAPPROPRIATE LANGUAGE ARE BEING USED, AND CALLS MADE TO ME AFTER WORK HOURS. EVEN AFTER SENDING THEM A COPY OF MY CREDIT REPORT SHOWING NON EXISTANCE OF XXXX ACCOUNT ON MY REPORT AND SERVING THEM WITH CEASE AND DESIST NOTICE THEY CONTINUE TO IGNORE MY EFFORTS AND AGGRESSIVELY COLLECT ON THESE ACCOUNTS WITHOUT VALIDATION OF THESE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history with 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 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 ( 30 to 60 days ) 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 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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to address a critical matter concerning inaccuracies found in my credit report. Upon recent scrutiny, I have discovered instances of incorrectly reported late payments on my account, and I wish to dispute this erroneous information. I kindly request your prompt assistance in rectifying or removing these inaccuracies from my credit report. Maintaining an accurate credit history is paramount, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are the result of an error and require your immediate intervention for rectification. The company associated with this account have confirmed the errors during my telephone conversations with them and have assured me of their commitment to correcting my account. 

XXXX XXXX  XXXX.
Product: Debt collection

Company-Tower loan Account was closed on XX/XX/year> And was charged off as a write off and still appear of my credit report But haven't sent me a XXXX form or proof of debt every time I call they are very rude and wont answer my questions or sent information
Product: Credit reporting or other personal consumer reports

I was on hold making payment to to in-school deferment is approved until they have the new scheduled payment. but they Ernest reported late payment on hold period. 

whole through out the time I was in communication with Ernest. 

" Thank you for reaching out to us. I was able to work with my management team and they have advised that scheduled payments would always remain due until an in-school deferment is approved and applied to the account. '' above is the message I got from team but I still see late payment affecting my credit. I need this to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$94000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00}
Product: Debt collection

On XX/XX/2018, XXXX XXXX XXXX ( XXXX ) contacted my daughter and left a very detailed message regarding someone serving a summons on me between the hours of 3-5 regarding a suit that has been filed against me. My daughter has no affiliation or knowledge of any  debt that belongs to me. My daughter was frightened that I was going to be arrested. I call these people back and spoke to a Ms. XXXX. She advised that someone would be serving a summons and documents upon me either at my home or employment and that I would need to have my Human Resource manager present while this supposed service was taking place. She continued to threaten me that a court date was imminent and fees would be compiled on top of the initial debt. As I pressed her for more information, such as when and where was the suit filed and what documents was this person serving she hung up on me. Supposedly this conversation was recorded. If it was not recorded or if the recording was not retained, I do still have the voicemail message that was left on my daughter 's cell phone. 
I called back again, because I wanted to get this debt resolved. I spoke to a man named XXXX XXXX. He also insisted that someone was going to be serving a summons and documents on me. I advised that I did not see any lawsuits filed against me ( I have access to the court website through my employer ) and he told me that the paperwork was being sent in immediately for the filing of the lawsuit or I could resolve the matter with him. I succumbed to his threatening and pressuring tactics and made arrangements to split the debt into two payments. 
On XX/XX/XXXX, I checked the website that was provided on the contract that was sent to me and I do not think that this company is a legitimate debt collection company. I again called XXXX XXXX and advised him that he needed to cancel the second payment and that I would be making a complaint against him, Ms. XXXX and XXXX XXXX XXXX. He then offered to completely wipe out the debt if I would not make the complaint. the account number provided to me is XXXX. 
The tactics used by this company are against the Fair Debt Collection Practices Act. Specifically, Section 807, 2.A, False representation of the legal status of the debt ( see above ) ; Section 807, paragraph 11 - I had not received any initial communication from this company regarding this debt ; Section 807, paragraph 13, advising that a process server was attempting to serve a summons on me ( which did not exist ). 
I have filed a complaint with my bank to try to have the initial payment retuned to me as I feel this company is completely fraudulent.
Product: Debt collection

after years of attempting to secure a loan modification ( 11+ % ) rejected each time, even w/hardship letters, ( XXXX ). company foreclosed, on day of Sheriff sale, we filed bankruptcy Chapter XXXX ( this is a legal automatic stay ) ( XXXX XXXX, 2017 ) XXXX XXXX Denied the automatic stay sighting a section 362 ( c ) ( 4 ) ( A ) ( I ) of bankruptcy code. Note : research of legal library failed to reveal such a provision. [ XXXX XXXX lawyer for Greentree/Ditech. No. XXXX Premises : ***** ** XXXX Rd. ******, **. 1**** ]. The XXXX County Sheriff 's proceeded w/sale. Even though the involved parties were aware of the bankruptcy. We know our rights have been violated be parties involved.
Product: Debt collection

On XX/XX/XXXX, I received a phone call from Harris & Harris for a debt collection based on a medical bill. This company has contacted me many times after asking them to provide me a validation letters to verified the accounts going back since XX/XX/XXXX. I have not received any responses from them only repeatable phone calls. They have ignored all of my letters in which I have included on this file. They continue to call. The first one I had to record was the phone call they made to me on XX/XX/XXXX in which they left me waiting for more than 35 minutes. They told me to hold for a supervisor and that is where they left me on hold for 35 minutes. I continued waiting and while I was waiting they will come back to answer the call with a push button to keep me on hold. Finally, a supervisor came on the line and was not aware I was waiting. After several letters to them they continue calling. I want these phone calls to stop! I have requested many validation letter to provide me with no responses.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment from my XXXX bank account to Goldman Sachs Apple Card in the amount of XXXX. XXXX has been able to provide me all ACH information proving they sent the payment but Goldman Sachs keeps making up different stories about the situation. At first it was insufficient funds, then it was that they sent a payment back to me. Goldman Sachs has been non compliant and cant provide any tangible data. Im reaching out to cfpb to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX but paid vehical in full, exsperian refuses to add. Exsperian reflects an incorrect high balance, disputed company agreed and exsperian still shows a high balance of more than double than any balance ever put on card. Cost me a more money to get a lower interest rate on a new home loan and prevented me from getting a new credit card. Exsperian will soon be faceing a class action law suit.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX, Account number XXXX, bal. {$420.00} XXXX XXXX, Account number XXXX, bal. {$39000.00} XXXX XXXX, Account number XXXX, bal. {$17000.00} XXXX XXXX, Account number XXXX, bal. {$180.00} XXXX, Account number XXXX, bal. {$820.00} XXXX Account number XXXX, bal. {$0.00} XXXX XXXX, Account number XXXX, bal. {$210.00} XXXX, Account number XXXX, bal. {$0.00} XXXX XXXX, Account number, XXXX bal. {$30000.00} Inquiries : 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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE XXXX Balance Owed : {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection accounts that are currently listed on my XXXX XXXX, Equifax and XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX, {$490.00} and XXXX XXXX, {$430.00}. I been receiving harassing, abusive, threatening, unfair and deceptive phone calls from the above creditors. The above creditors are in complete violation of the Fair Debt Collections Practices Act ( FDCPA ) under federal law. Im a victim of identity theft and the collection accounts are all fraudulent accounts and do not belong to me. The fraudulent accounts are not my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these credit bureaus as it relates to my credit profile. Equifax, XXXX, and XXXX all have inconsistent information on my profiles from Names, Addresses, Employment, Phone numbers and even collections on my report. I have sent in my correct name, address as should appear on my report and asked that all others unknown be removed, this has yet to be done. I also disputed some unknown collections asking for an investigation, which was done in a matter of days and there was no resolution. I did not give them permission to report anything on my credit and have written and called several times asking them to remove this invalidated collections, which to date they have not.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. 
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
Product: Credit reporting or other personal consumer reports

REMOVE INACCURATE INFORMATION IMMEDIATELY THEY ARE NOT MNES OR BELONGS TO SOMEONE ELSE I DO NOT RECOGNIZE ANY OF THIS ITEMS REMOVE IMMEDIATELY :. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX AND MANY MORE WILL BE ATTACHED IN THE DOCUMENTS ALONG WITH ALL ITEMS TO FULLY VERIFY ME DRIVERS LICENSE AND SOCIAL SECURITY CARD
Product: Checking or savings account

I issued a {$400000.00} check from my Citibank account to XXXX XXXX. XXXX XXXX informed me that Citibank refused to honor the payment, the funds were returned, and my Citibank statement reflected this as normal. However, two months later, Citibank claimed that XXXX XXXX never returned the check, resulting in a {$400000.00} deficit in my account. My XXXX XXXX account has since been closed. 

I have requested Citibank to correct the error and update my account information, but Citibank has refused to take responsibility and instructed me to contact XXXX XXXX directly. This situation is causing me significant stress, and I believe it is unfair for Citibank to shift the burden of resolving this issue onto me. I am seeking your assistance to mediate and ensure Citibank rectifies this error. Thank you.
Product: Debt collection

XXXX XXXX took over this debt around 2017. The debt in questioned a principal balance amount and a Non Interest bearing amount of approximately $ XXXX. I tried to negotiate a payoff with the holder of the debt XXXX whom XXXX would not provide me with the contact information. I dealt with an individual at that time called XXXX XXXX who made me complete a hardship form, against my wishes in order for me to attempt to negotiate a payoff. I wanted to payoff the loan and my reason was not as a result of a hardship. I stressed this over and over again and he said. " If you want to try and do this then you have to fill it out '' I reluctantly did and the following he call and said very curtly that it had been declined without providing me a reason. 

It was then that XXXX began harassing me accusing me of non payment. In the past 2 1/2 years I began receiving calls from XXXX  representatives informing me that this is an attempt to collect a debt. On each occasion I have been accused of non payment. 

The problem : My principal balance is not at XXXX cents. I have been making payments on time each and every month yet XXXX seem unable to apply my payments. Instead the monies are not applied but are shown on the statement listed as an " Unapplied payment ''. This is when the phone calls begin stating that they are attempting to collect a debt. 

I have attempted on countless occasions to resolve what is a payment processing problem by XXXX. I have spoken to numerous individuals who have apologized profusely and have promised that they will rectify what they have admitted to me is their problem. This has never been achieved and every 3 months I begin receiving calls from XXXX representatives attempting to collect a debt. I am going to attach the escrow statement that I received from XXXX when they last denied my claim to have late fees removed. 

During this time XXXX  have sent people on at least 3 occasions to the property. A property that my XXXX year old mother lives in. These individual were taking pictures of the home. My mother called me distraught that she was getting thrown out of her home. 

I have tried my best to be reasonable with XXXX  XXXX  and after almost 3 years I have given up. 

I have attached the escrow account provided to me by XXXX showing the numerous occasions where I had to request return of late fees. 

I would like to report XXXX for harassing myself and my mother for almost 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX purchased a potential delinquent account from XXXX XXXX belonging to XXXX XXXX of XXXX XXXX, West Virginia. XXXX XXXX has not lived at the address where this charge would have occurred in over 8 years. There literally is no way possible this " apparent debt '' is less than 8 years old. 

It appears the delinquent date that is showing on his credit report is the date the company purchased the account, not the actual date of the delinquency. There is no legal way this information should still be on his credit report, yet this company is showing the account has only been delinquent since 2016, so it will take that much longer to fall off the credit report. This is FRAUD and I'm filing fraud reports with every known agency that handles these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am not a 3rd party please see the attachment documents that I have uploaded for this complaint.