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

XXXX was contacted to settle an account due to a life hardship. They agreed to settle the debt for less and provided the amount and payments to be made over a period of time. In the meantime, I was advised that my balance would be reflected as the amount settled and the payments would reduce the amount. XXXX was contacted in XXXX for settlement a second time in mid XXXX to correct the reporting issue as it has been over 30 days which they advised would be the time needed to report to the credit bureaus. When I contacted them on XX/XX/2022 when the payment did not come out of the account I requested help to report payments being made and that the balance was incorrect. 
At this time the representative advised me that XXXX will not report payments made and that the balance reduction would be for the full amount. This contradicts the agreement that was made and also does not show the monthly payments made. XXXX in addition reports the account as a charge off with no payments being made monthly. This further harms my credit and ability to move forward with my need for credit. In addition they are reporting incorrect information. 
I have reached out to XXXX and all credit bureaus with the information to be corrected.
Product: Checking or savings account

XXXX XXXX, a division of Comerica Bank, has allowed someone to hack my account and steal approximately {$1700.00}. When I notified them on XX/XX/XXXX the charges were still pending but the customer care rep. said that she could not stop payment. I asked her to close the account and she refused saying that you can't close an account that has pending charges. Her advise was to call the next day. When I asked for her name I was disconnected. Currently XXXX XXXX has locked me out of the online account and telephone. Whenever I call my account number is asked and I receive the message that the new card is in the mail then the system disconnects. 
I lodged a complaint with the XXXX of Texas. Comerica Bank told the XXXX XXXX XXXX XXXX XXXX XXXX is a program of the U.S. Treasury, Bureau of the Fiscal Service and therefore is outside the mission of the Better Business Bureau. '' As of date the fraud division of the bank has had no contact with me. 
I have copies of my bank history which shows many banking discrepancies. This account is for my adult dependent son who receives SS and SSI benefits
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX with a balance of {$19000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX XXXXand i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 JUNE 2023 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: Debt collection

A certified mail verification letter was sent to XXXX XXXX XXXX XXXX   on XX/XX/2019. The letter was received by XXXX XXXX XXXX XXXX  on XX/XX/2019 in XXXX Florida. The company continues to report to all 3 credit bureaus without sending any of the documents I have asked to received. XXXX  has close account but failed to deleted from my credit report.
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. 

XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

When card holders of Capital One US Credit cards make payments to the account they must do so by XXXX EST. Other financial institutions allow you until XXXX EST. Each time that the payment is made after XXXX you get a {$37.00} late fee and hurt your chances of improving your credit with and increase ( I am trying to remodel my home and was going to ask for an increase ) even when you you make the payment on the due date just after XXXX EST. When you call capital one to talk with them about this, you will get told that is their policy and there is never anyone there to give the information to that would maybe pass the idea along to catch of with the reset of the industry. I have made multiple calls to the but clearly it never goes anywhere. 

I am very responsible and I am a XXXX XXXX XXXX who has been working 7 days a week for 12hrs a day because of the recent hurricanes and when i called them after work at XXXX on XXXX to try and XXXX XXXX the money tonight so i would not be late, i was told that any payment weather XXXX XXXX or through my account, would be considered late after XXXX EST. I have made the payment a few years ago at a XXXX union after XXXX and it was n't late, that has now changed. Why are they making it harder to make payments and punish the consumer for trying to make a payment on the day it is due. 

If you are in PST ( CA, OR, WA ) you only have until XXXX your time. Why is this even a thing? This is XXXX, something needs to change. I am sure if this is happening to me its happening to more people.
Product: Debt collection

This complaint is in response to FOX COLLECTION CENTER regarding an alleged debt per CFPB complaint XXXX. The debt collection company did not address the issues that were brought forth directly. In fact, they brushed it off carelessly. Negligence is also abuse. I did not receive any documentation from FOX COLLECTION CENTER as they stated in the initial complaint. The have failed to communicate to mitigate the issue regarding violations that were brought forth in the complaint. They have become a nuisance in this matter.
Product: Debt collection

I saw a collection alert on my credit report in XXXXXXXX XXXX XXXX  and immediately called. Fidelity creditors svc regarding the debt. They state it was turned over to them from a previous landlord because we refused to pay for damages. I called the previous landlord and asked what the charges were for. We are being charged XXXX for updating the flooring hardwood floors through the whole unit because of " excessive stains ''. Not only did the landlord never send us a bill he no showed to our move out inspection and refused to reschedule. I reviewed my lease saw our walk through inspection stated the stains were already there when we moved in and our lease agreement shows the maximum charge for flooring with the length of our lease is XXXX cents per sq/ft. That would be 10 % of the total amount they charged us. I've disputed this collection with XXXX XXXX, transition and fidelity creditors themselves. They were all denied. fidelity creditors themselves also removed the report from my husbands account but refused to on mine. They are also charging me interest on this collection account which is illegal in my state.
Product: Credit card or prepaid card

XXXX, 2021 to present day XXXX, 2021. Net spend skylight has my pin blocked on my permanent card they had sent me in the mail. I had just transferred the funds from my temporary card to my permanent card XXXX XXXX, 2021 used for one week and it's blocked... i have continually sent them document after document through emails and constantly it is too dark, my ss. CARD is not the right color. They ask for a copy of bank statement. My I.D . HAS been sent numerous times and can't even tell me if there is money in there 3 of my pay checks are in there. And Will not release it.

This is the no. I callXXXXXXXX I will have to move unable to pay my rent... i have no money. I have to borrow to eat ... ..its XXXX ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

ABC Financial is the payment servicer for the previously known XXXX XXXX XXXX, and XXXX XXXX XXXX in XXXX, TN. 

I have communicated to both of these companies on numerous occasions that I wish to revoke my EFT authorization as is my legal right to stop the collection of payments via my credit card. 

The company named in this complaint is ABC Financial. They have replied to me stating their refusal to stop the billing despite my best attempts to present their legal obligation. 

Attached to the complaint is the email chain.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my score at XXXX after it was showing at XXXX in XX/XX/XXXX. The drop does not reflect the ontime payments or the age of the deragatory marks which are more than XXXX XXXX XXXX. Furthermore, all the accounts have been settled during Covid with XXXX balance. The only loan is mortgage - a basic of the average american. That loan is paid every month as per schedule with taxes. 

Th credit score has fluctuated more than XXXX points from XX/XX/XXXX which is a blatant misuse and breach of personal financial information. It belies the fact that I have been able to obtain rental housing, have XXXX jobs in XXXX XXXX XXXX  all of which require both : background check and credit score. 

XXXX is accessing information and sharing it indiscriminately during Covid and the economic crisis at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, Equifax reported that they had been breached. My information was mishandled, which puts me and millions of other people at risk. I requested a credit report today, XXXX/XXXX/XXXX, which told me that someone had filed a request for a new credit card on XXXX/XXXX/XXXX with my bank. There is also an additional phone number that is not mine on my credit report. I am also listed as a potential victim according to their XXXX website, and would like a resolution. In my opinion, credit freezing should be made free for anyone who was affected by this situation.
Product: Student loan

As a XXXX veteran rated 100 % by the Department of Veteran Affairs, I've tried 3x 's unsucessfully to discharge a student loan that I co-signed for my daughter in XXXX. Firstmark bank continues to deny my application for discharge, stating that I was rated 100 % one year prior to the loan which is meaningless since they approved the loan in lieu of this known information ( XXXX ). 

By their own stipulations, I did not become eligible for discharge until my rating changed one year AFTER receiving the loan to 100 % PERMANENT AND TOTAL. I have reached out to my local representative for a Congressional Inquiry & was told that the department of education only has jurisdiction over federal student loans not private student loans. Who has jurisdiction over this entity and how can they be legally compelled to abide by the law?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

Capital One Did not handle a Dispute properly And i Revoked my XXXX Dollar liabillity clause and they did nothing come to find out they Closed my account After i made the max payment i can afford and Capital one disregarded My Dispute and Retaliated against me by closing my account on my credit report and They say it was closed at consumer request wich it was not and am requesting compensation for the wrong doing of the dispute and my account reopened like nothing ever happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be DELETED.

1. BankruptcyXXXX Case Number : XXXX 2. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX Date of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX 7. XXXX XXXX XXXX Account Number : XXXX 8. XXXX XXXX XXXX Account Number : XXXX 9. XXXX XXXX Account Number : XXXX 10. XXXX XXXX XXXX XXXX Account Number : XXXX 11. XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX 12. XXXX Account Number : XXXX 13. XXXX XXXX XXXX Account Number : XXXX 14. XXXX XXXX XXXX Account Number : XXXX 15. XXXX Account Number : XXXX 16. XXXX  XXXX XXXX Account Number : XXXX 17. XXXX XXXX Account Number : XXXX 18. XXXX XXXX XXXX Account Number : XXXX 19. XXXX XXXX XXXX Account Number : XXXX 20. XXXX  XXXX XXXX Account Number : XXXX 21. XXXX XXXX Account Number : XXXX 22. XXXX Account Number : XXXX
Product: Student loan

I made a payment on XX/XX/XXXX  of {$2200.00} on some of my loans, and EdFinancial almost immediately took the money and even sent me a confirmation email of the amount that I paid. I checked my bank statements just to confirm that they took the exact amount that I entered, and they did. When I go to check the payments posted on my loan account, it only said I paid {$1000.00}. I tried to give it a few days because I thought they split the payment into two different ones, but one month later ( XX/XX/XXXX  ) it still says I only paid {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX