23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

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. Account name : # XXXX XXXX XXXX XXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX BALANCE : {$170.00} has violated my rights. Account name : # XXXX XXXX XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX BALANCE : {$680.00} has violated my rights. Account name : # XXXX XXXX XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX BALANCE : {$680.00} has violated my rights. Account name : # XXXX XXXX XXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$560.00} has violated my rights. Account name : # XXXX XXXX XXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$380.00} has violated my rights. Account name : # XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$1500.00} has violated my rights Account name : # XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX BALANCE  : {$1200.00} 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 or other personal consumer reports

I noticed unauthorized and fraudulent inquires on my credit report. Those inquires consisted of the following. XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

According to 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 has reported late payments and has not mailed or delivered a periodic statements to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, XXXX, and Transunion have reported these late payments without verification and without my consent.
Product: Credit card

My name is XXXX XXXX. I bought furniture from XXXX XXXX through opening their store credit card ( comenity bank ). I was enrolled in 48 months promotional interest free plan. Before the promotion end I made all my payments on time. My promotional plan was ending on XXXX XXXX and I made all my payment by XXXX XXXX. 
On XXXX XXXX I made one payment of {$200.00} online and tried making another payment of leftover balance of XXXX but the system was not accepting. I called the XXXX credit card and told them I am trying to make a payment online but system is not taking so I was told you can only make one payment a day online. Then I told the representative that I want to make a payment which I did over the phone with the representative. On XX/XX/XXXX I checked my bank account and saw that one payment of {$200.00} was withdraw but the other payment I did over the phone with the representative is not showing up. I called the XXXX XXXX  credit card customer service and inquired about the situation and was told that their representative did not enter the account number right which is why the payment is being returned. I told them I want to make a payment again but they told me the system is not letting them accept the payment. I asked them if I can go to any of their store and make a payment and was told I can try that. I called the XXXX and XXXX XXXX XXXXXXXX XXXX store and inquired them about accepting payments in store. I was told they do not accept in store. Finally on XXXX XXXX the balance reflected back into my account with the return fee of {$23.00}. I did my payment right away of XXXX and called them to reimburse me of {$23.00} of return fee as they promised they will credit that and all the interest if they happen to charge me which they did. I called them today again but did not really got any help. I am in so much stress that it cant take good care of my family. I have XXXX kids. They are causing me a lot of stress even though I did all my payments on time. 
My phone number is XXXX Please call me and do reply
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, & XXXX will not mail me a file disclosure of my credit report. After forwarding certified letters over the past several months, I am being rejected to view my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed credit file through Transunion in reference to XXXX XXXX account showing charged off.  File shows last date reported: XX/XX/19 in the amount of $XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received unauthorized hard inquiries on my credit report here are the following inquiries that was made XXXX | XX/XX/XXXX XXXX XXXX XXXX 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 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: Checking or savings account

I am complaining about an issue I have with Bank of America I have had a debt collected from my account without my authorization, it was under Legal order not knowing of this issue I contacted Bank of America. When I spoke with a representative they informed me to call the number that was on the account of withdrawal. I found out this was a collection for 7 years ago state tax I had not known about, I had to set a payment method with The state. With that being said I let them know how much they took out of my account which was going to them to resolve my issue the about was XXXX from my checking and XXXX for my savings bringing it to XXXX in total. With the department of revenue service you have to them know the amount so you can establish a payment method. Fast forward, after The department of revenue service received the check from BOA it was short and they only received XXXX. This set my plan back and I had to figure out where the rest of the money was as well as try to prevent drs putting another legal order on my account. I called Bank of America back and they explained that they charge a fee for legal orders and the money that was not sent was kept by them. I asked if the fee could be waived and they said no. Prior to signing up with BOA I was not made aware of this fee as well as the fact that they allow unauthorized charges to my account. I want the fee refunded back to my account. After making the call to BOA they then sent a book explains fees that are taken out of my account. Which is a little to late seeing that the damage was already done, this has been a headache dealing with BOA and their insensitive replys especially since Ive been a loyal consumer for over 6years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account Dear CFPB, I am filing a formal complaint against Experian regarding inaccurate information on my credit report related to late payments for the following account : Creditor Name : XXXX XXXX Account Number : XXXX Despite multiple disputes submitted on XX/XX/year> and XX/XX/year>, the inaccuracies remain unresolved. This failure to address the discrepancies constitutes violations of my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). Below is a detailed account of the errors and discrepancies : Errors and Discrepancies High Balance : {$5700.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Balance Owed : {$4500.00} Payment Amount : {$170.00} Credit Limit : {$5500.00} Legal Violations Fair Credit Reporting Act ( FCRA ) : Under 15 USC 1681i, credit reporting agencies are required to ensure the accuracy of the information they report. Despite my disputes, these inaccuracies persist.

15 USC 1681s-2 mandates data furnishers to report accurate information. XXXX XXXXXXXX has failed to provide corrected data despite clear errors. 
Truth in Lending Act ( TILA ) : 15 USC 1666b requires creditors to send periodic statements at least 21 days before the due date. The late payment reporting indicates a potential failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the need for timely and accurate billing to prevent unfair penalties. The reported late payments contradict my payment history and harm my creditworthiness unjustly.

Supporting Evidence I have attached the following documentation to support my claim : Copies of previous dispute letters ( dated XX/XX/year> and XX/XX/year> ). 
Credit reports from Experian showing discrepancies. 
Proof of timely payments for the disputed months. 
Desired Resolution Immediate removal of all inaccurate late payment notations for the months of XXXX and XX/XX/year>. 
Written confirmation of the correction from Experian. 
Failure to resolve this matter promptly will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal recourse. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX, OH, XXXX ] XX/XX/year> Credit Acceptance Corp XXXX XXXX XXXX XXXX, MI, XXXX Subject : Request for Verification and Issuance of IRS Form 1099-C Dear Credit Acceptance Corp , I am writing to dispute the reporting of a debt related to account number XXXX on my credit report. I am requesting that you verify the status of this debt and provide me with a copy of IRS Form XXXX if the debt has been canceled, forgiven, or XXXX. 

Under federal law, if a creditor has canceled or XXXX a debt of {$600.00} or more, they are required to issue a 1099-C form and report the forgiven amount to the IRS. If this debt has been canceled, please provide me with a copy of the 1099-C form as part of your verification process.

If the debt has not been canceled, please provide : Documentation proving the validity of the debt, including original account details, statements, and payment history. 
Evidence that the debt has not been XXXX or forgiven. 
This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which allow me to dispute the accuracy and completeness of information being reported about me.

If you are unable to provide a valid 1099-C form or sufficient documentation verifying the debt, I request that you immediately update the status of the account on my credit report and notify any credit reporting agencies to delete this information. 

Please respond to this request in writing within 30 days, as required by law. Additionally, if you are reporting this debt inaccurately, I may consider further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies.

Thank you for your prompt attention to this matter. You may contact me directly at [ your phone number ] or [ your email address ] if additional information is needed to complete this request. 

Sincerely, XXXX XXXX
Product: Mortgage

I paid my mortgage monthly by phone 4/3 years last year around XXXX the mortgage company did not collect my money from my bank as usual it did not contact my bank it did not apply any money to my account however they claimed that the money was sent back to the bank but the bank has no record of that happening I made the phone call as I was supposed to supposed to they did not request the money from my bank and they posted me as being late in my mortgage and held back money that should have been applied now they reported me to the credit bureau I have a XXXX credit score and it shouldn't be that low I did not do anything to deserve this XXXX XXXX is the company I'm talking about they service my property at XXXX XXXX XXXX XXXX XXXX Florida XXXX I've contacted the company and they have ignored my situation I have the records that prove my claim
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX XXXX ] - Furnishing certain deceptive forms- Please Update too Never Late. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because l 've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, Better Business Bureau, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payments for XXXX and XXXX, XXXX are incorrect. I made the payments on time, as confirmed by my bank statements, which show that the payments were processed and cleared. The late payment status of " 30 days late '' is, therefore, inaccurate and should not be reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Checking or savings account

This complaint is in connection with complaint # XXXX. On XX/XX/year> I transferred {$150.00} from my business account, by phone via their customer service center, to my personal account due to the fact that a Regions ATM machine had retained my ATM card for my personal account several minutes earlier, thus preventing me from being able to make the cash deposit into my personal account before their XXXX ( XXXX ) cut-off time. Regions returned two pending payments to XXXX, due to the fact that I was unable to make the {$150.00} cash deposit into my personal account. Then, rather than crediting my personal account accordingly, they charged me a {$36.00} XXXX  fee for yet another XXXX payment in the amount of {$20.00}, As you can see in my attached screenshot, they had already paid the {$20.00}, however they reversed the payment and returned it to XXXX, since their bogus XXXX  fee of {$36.00} overdrew my account. Had I been able to make the cash deposit on XX/XX/XXXX, NONE of this would have occurred. This all happened when I went into the Regions branch in XXXX XXXX, Florida the afternoon of XX/XX/XXXX, and ask to have a new business debit card issued since I had misplaced the previous one. What happened is that when the customer service rep cxcld my old business ATM card, she mistakenly XXXX  my ATM card for my personal account as well, which is why their ATM machine retained it later that evening when I tried to use it to make a deposit at a Regions branch in XXXX. This situation is the fault of Regions bank, NOT mine, and it has cost me {$75.00} for the three returned payments to XXXX ( {$25.00} each ). Had their customer service rep NOT cxcld my personal account ATM card in error, I would have been able to make the deposit into my personal account that same evening before their cut-off time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 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

XXXX XXXX, XXXX XXXX, to provide formal notice regarding the significant harm caused by the erroneous information that Early Warning reported to financial institutions, which resulted in the unjust denial of critical banking services. These errors are in direct violation of federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

Although Early Warning has since acknowledged and removed the erroneous information, the financial damage and harm to my creditworthiness have already been inflicted. Your failure to ensure accurate reporting has caused me substantial loss, and you are now in default under the following violations : Violations and Laws Applicable : FCRA Section 623 FCRA Section 604 ( A ) ( 3 ) FDCPA Sections 806, 807 ( 8 ), 809 ( b ), and 811 ( a ) ( 2 ) Misrepresentations by Early Warning about their reporting or the debt are actionable regardless of intent. 
Early Warning can NOT be both purchaser and assignee it is one or the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following items in my file : 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, credit repair services, or other personal consumer reports

I have sent out investigations request to XXXX, XXXX, AND XXXX and the investigation took well over 30 days.