23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I tried to send monies to my mother of {$150.00}, & {$2500.00} and she did not receive it. She went online looking for a number to call for customer service to XXXX. After she called a number that was online this is when she was connected with this guy named XXXX. XXXX explained to her that she needs to get me on the phone. Once I got on the call, I was told that he needs to secure my account. The guy sent me a request for another {$2500.00} and I asked why he stated again needed to secure my account and the money will be transferred back to my account. He sent several more requests and I declined because, at this point, I felt something wasn't right. After contacting my bank, they stated nothing was refunded only withdraws. I checked with my mother 's bank that day and she did not receive any of the funds totally {$5100.00}. 
In the beginning, my mom felt this guy was part of XXXX because he sent links to her phone asking to verify her information. He did the same with me. He used this number for me to copy and paste the link and send to him at this # XXXX.
Product: Checking or savings account

I opened a checking and savings account with Truist on XX/XX/2022. With {$3000.00}. I had {$1900.00} in my checking account and {$300.00} just disappeared and the ledger said my balance was {$1600.00}. I have tried several times to contact customer service but I can't get anyone online or on the phone.
Product: Debt collection

I cancelled my services with XXXX and they said i owed XXXX. I was driving when I was talking to them and could not retrieve my form of payment -- the phone rep. said he would call me back but never did so, I called them and they stated that my account was suspended but not cancelled so they continued the charges with no service. I had switched to XXXX XXXX XXXX. XXXX told me that i owed XXXX which was not correct. I have no problem paying the XXXX but i don't owe for services that were not rendered. I have no access to pay online on the account because when i log in it sends a code to the phone with the services. Since i have no service i can not retrieve the code. XXXX said that they can only accept the XXXX before they can discuss the account with me. They said they suspended the service in case i wanted to reactivate instead of cancelling service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of an email dated XX/XX/2020, from Equifax with a letter dated XX/XX/2020. The email is regarding the decision and denial of a dispute for an alleged debt to XXXX XXXX, a company I have never done business with, for {$170.00}. 

I have reason to believe I do not owe this debt as I have no knowledge of it. After repeatedly disputing this with Equifax they continue to deny my request to have it removed from my credit report. In accordance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act the original alleged debtor XXXX XXXX XXXX and the collection agency XXXX XXXX were supposed to provide me all of the following information by mail to my Ohio residence : 1. In writing the amount of the alleged debt and the alleged services rendered ; 2. In writing the full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing they are licensed to collect debts in Ohio. 

To this date none of this information has ever been mailed or provided to me in anyway so that I may properly address the alleged debt. Nothing has ever been mailed to my residence address in the state of Ohio where I have resided for the past 3 years. 
As to the creditor class on Equifaxs credit report that this is a medical/healthcare alleged debt this also does not make sense. I have always maintained health insurance and have no outstanding medical bills. Without the proper proof, including what alleged services were rendered and what the billed amounts are specifically for, I can not confirm or address any information that is being claimed. This alleged debt has been placed on my credit report without giving me the proper law provided time and required documentation to investigate and respond to it.
Product: Credit reporting or other personal consumer reports

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

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

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

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

This company 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, credit repair services, or other personal consumer reports

All the accounts and inquiries listed below are all fraudulent and were opened without my conscent. And it is against the law to report fraudulent account. 

Equifax Fraudulent Accounts XXXX XXXX XXXX Account Number # XXXX Account open date XX/XX/XXXX Balance {$1200.00} Equifax Fraudulent Inquiries XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires were fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by consumer, Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for e-Oscar report. If Experian does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under SEC to follow certain rules. Experian commissioner # XXXX, 1 XXXX XXXX XXXX XXXX XXXX XXXX California, XXXX XXXX. The XXXX XXXX XXXX. I will be filling form 211 treasury omb forms to audit consumer account. Experian is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Debt collection

There are numerous fraudulent accounts in my report that are trying to collect debts that i don't own. Please remove these as soon as possible. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 would like to report the actions of the Credit Reporting Bureaus and XXXX XXXX  for XXXX XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal reporting and re-aging of an account on my credit report that should have been removed by now and is appearing past the statue of limitation while containing illegal information which is damaging my credit score. The account has had absolutely no activity and has been closed off for over 7 years and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605-15 U.S.C. 1681c ). This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623, 15 U.S.C 1681s-2 ). I have taken this case up with XXXX XXXX  of they tried to convince me that once a payment was made the account would fall off and not report against me, I realized that that was inaccurate and that they already had sent me to collections and were attempting to collect on the same debt twice. This is also illegal on them because XXXX XXXX can not request payment on a closed account past statue. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check immediately.

I have attempted to negotiate with both XXXX XXXX and The Credit Reporting Bureaus via mail, phone and online but I am constantly given generic and meaningless responses and I am tired of it.
Product: Credit reporting or other personal consumer reports

I paid for monthly service for Myequfiax website and I cant access the account to check my credit report and Im getting error messages saying its temporary down for 10 hours and I cant see my credit report and after I submit my dispute online on XXXX  XX/XX/XXXX for a fraudulent account with XXXX XXXX XXXX the account hasnt been removed or blocked on my credit report and the dispute is still ongoing
Product: Credit reporting, credit repair services, or other personal consumer reports

business loan was acquired with no personal guarantee strictly business loan against business credit. 
payoff was attempted but was declined. 

XXXX XXXX signed the resolution the very next day and the treasury offered the public new government securities, minus the traditional " payable in Gold '' clause. HJR 192 states that one can not demand any certain form of currency that would like to receive if it is dollar for dollar.

31 U.S. Code 3123 - Payment of obligations and interest on the public debt.This letter serves as a formal request for you to immediately clear the debt owed to me in full. According to my records, the amount owed is [ Debt Amount ] as of [ Date ]. Despite multiple reminders and notices sent to you, you have failed to make any attempt to repay the outstanding balance, thus causing undue hardship on me. 

As per the 15 U.S. Codes, it is mandatory for you to discharge the debt in full. Under 15 U.S. Code 1601, you are required to provide me with clear and accurate information about the terms of the loan, including the amount borrowed and the repayment schedule. Failure to provide this information is a violation of the Truth in Lending Act. 

Under 15 U.S. Code 1692, you are prohibited from using deceptive or abusive practices to collect a debt. This includes making false statements, calling repeatedly and at unreasonable hours, and threatening legal action without the intention to do so. Your non-payment of the debt and failure to communicate in good faith may be interpreted as a violation of this section. 

I urge you to rectify this situation immediately to comply with the law and ensure that legal action is not required. Otherwise, I will be left with no other option than to pursue legal remedies to recover any outstanding debt under 15 U.S. Code 1692k. Additionally, failure to comply with this notice may result in damage to your credit rating and may negatively affect your personal loan, mortgage, and other financial transactions. 



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

my mortgage co reporting an error of reporting 30 days late for XX/XX/2017 payment which never happened and the payment was made on time but equifax/ mortgage co did not correct the error after several reminders. 

mortgage co is : XXXX XXXX XXXX XXXX LOAN # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I send an affidavit to JPMCB Card about a hard inquiry that was put onto my consumer report. After doing some research I see that this is JP Morgan Chase Bank. According to 15 USC 1681n ( B ) this is a violation to my rights. 
I sent an affidavit through certified mail with tracking number : XXXX. I have attached the notarized affidavit that was sent with the invoice and exhibit A. Please see attached for further information
Product: Credit reporting or other personal consumer reports

I talked to this company, they told me they were gon na delete it off my account. Its still on my report. I was told once I pay off my balance. They will do a pay for delete off my account. Now its shows its paid, yet its still on my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 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. Futhermore, Equifax 's actions may alson 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 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

A bi-weekly payment plan was initiated for my mortgage with Bank of America. I was told that when the amount of a full payment was received it would be applied to my account on the date received. In review of my account all funds would sit as a " available balance '' until XX/XX/XXXX and then be applied. I have been over charged for interest on my loan and my payments have not been applied properly. In addition my mortgage account was paid XXXX full month in advance prior to entering the biweekly payment plan. I will use XX/XX/XXXX as an example : ( Please note that no payment is due on my account until XX/XX/XXXX in this example because i have already payed in advance ) XXXX/XXXX/XXXX first biweekly draft in XX/XX/XXXX occurs XXXX/XXXX/XXXX second biweekly draft occurs. On this date the full mortgage payment is available and in the banks possession. 
XXXX/XXXX/XXXX a third biweekly payment is deducted from my checking account XXXX/XXXX/XXXX funds are applied to the account with a posting date of XXXX/XXXX/XXXX Every month my payments sit as an available balance and do not get applied until the next month.
Product: Debt collection

I owed a debt to XXXX XXXX XXXX. That debt was sold to LVNV Funding LLC who assigned to XXXX XXXX XXXX who sent me a letter offering a settlement amount if I paid in one lump sum. I paid them {$180.00} on XX/XX/XXXX. Almost a month later I noticed the debt was not removed from my credit report. I called XXXX XXXX on XX/XX/XXXX who said it takes time which is totally not true as I have made settlement payments in the past and the account was immediately removed from my credit report. So they told me to call LVNV which I did. When I finally got someone on the line she said that I had issued a no contact via phone or mail and was informed that I would have to lift that. I already know that was fishing. Since the account was paid there was no need to lift the no contact. They wanted me to do that so they could keep harassing me. Since they took my payment and didn't close my account they can now close my account or refund me the {$180.00} otherwise I will dispute the charge with my bank and the charge reversed. Their choice. My bank don't take too kindly to people trying to rip me off. I have already gotten payments reversed with this bank that I was told couldn't be reversed. This company played with the wrong one as I have been trained as a XXXX  so I know exactly what they are and aren't allowed to do. It doesn't take time to close an account, It only takes time because they falsely represented that they were authorized to accept settlement payment. That is against the law. They will either close the account or refund my money. I ain't playing games with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, these accounts entered have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( 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.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

The XXXX  XXXX  concluded that my account was properly investigated but how is that possible when the open date, date last active, date of last payment, high credit, past due are inaccurate.? This is grounds for removal. They also violated my rights under 15 US C 1681 section 602 A. States I have the right to privacy : 15 US C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
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  30-day Late Payment - XXXX XXXX XXXX  XXXX 90-day Late Payment - XXXX XXXX XXXX  60-day Late Payment XXXX XXXX XXXX XXXX 120+day Late Payment - XXXX XXXX XXXX XXXX  Charge Off - XXXX XXXX XXXX120+day Late Payment - XXXX XXXX XXXX - XXXX XXXX XXXX 30-day Late Payment - XXXX XXXX XXXX XXXX- Collection - XXXX XXXX XXXX 30-day Late Payment - XXXX XXXX XXXX 120+day Late Payment - XXXX XXXX XXXX XXXXXXXX Charge Off - XXXX XXXX XXXXXXXX XXXX Bankruptcy - XXXX has violated my rights XXXX 

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 card

On XX/XX/year>, I telephoned Customer Service at XXXX ( Comenity Bank ) about a {$2.00} " paper statement fee '' that started appearing on my monthly statements. I told the representative that this was a junk fee, that I did not authorize its imposition, and that I wanted all paper statement fees removed. The representative told me that this fee was imposed in XXXX and XX/XX/year>, and that Comenity would refund one charge but not the other.
Product: Debt collection

I recently closed my comcast account and paid all the statement balance. 
And now just realized there is a debt collection place on my credit, i have never received any bill from comcast showing that i owed them the amount the debt collectors placed on my credit.Never received any statements from comcast nor the debt collecting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. XXXX XXXX XXXX. I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX FUNDING Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.