23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I made the payment to my landlord on XX/XX/year>. 
The company IQ data calls me every day and they always threatened me to put my name in the collection, even though I said I had already paid the debt, sending them several emails with proof there. 
They put my name in the collection incorrectly, I called them again and they want to receive the amount I already paid in any way. My landlord sent me an email informing me that he requested that the file be closed on the day I paid the debt, and even so the company Iq data placed my name in the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported that my balance with XXXX XXXX XXXX is showing incorrectly on my reports and yet no update has been made to show the correct balance.
Product: Credit card or prepaid card

In XX/XX/XXXX, I received a promotion from XXXX  for XXXX flight miles when approved for a Gold AMEX card. I applied and was approved. I immediately saw that I was congratulated with the wrong promotion ( XXXX  ). I emailed, but the company never replied. In a month, I've spent the needed {$1000.00} to receive the miles and was awarded XXXX  instead of XXXX. I called XXXX  and they said that the case would take 6 weeks. After 6 weeks passed, I called again and was assured that it would be taken care of in one more week. It has now been two months with out a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an update about a change on my credit report from my XXXXXXXX XXXX on XX/XX/2021 about an Installment loan or New bank account inquiry for Continental FinanceXXXX and I dont recognize the inquiry nor did I give consent for this inquiry to take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The US courts further confirmed this debt was never validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine but is reflecting on my credit reports. 

XXXX XXXX Acct # : XXXX Opened : XX/XX/2020 Amount : {$100.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00}, and XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$12000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

Iberia Bank Credit Card was cancelled online and via mail with XXXX balance due, and prior to annual fee being due. Card was then charged annual fee, then late payments were charged also. XX/XX/XXXX online contacted to remove fee, XX/XX/XXXX, Iberia email says dispute resolved, approved. XX/XX/XXXX balance of XXXX not credited, contacted again using their online service to ask why charges have not been removed, asked that they be removed immediately. XX/XX/XXXX Iberia email says transaction dispute approved. 
However, charges still appear. I also received a late payment notice dated XX/XX/XXXX. Obviously they did not clear it onXX/XX/XXXX as stated in their email message to me.
Product: Bank account or service

I use online banking for bill paying. A payment went to my son 's apartment for his rent and was apparently stolen since the facility never received the check. The funds came out of my account and the check was clearly not endorsed by the facility as previous checks had been. I called Sun Trust fraud XXXX XXXX to explain this issue. I have called, gone into the branch numerous times and still after calling today have no resolution. I had to pay the rent again since the facility needed the payment. I am out the {$710.00} and Sun Trust keeps giving me the run around as to why I was not refunded the money.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 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 card or prepaid card

I have a XXXX XXXX XXXX card. Last summer they changed how they process auto payments. If you have an autopayment for minimum payment due and make anything less than your entire previous months balance, they go ahead still deduct the minimum payment amount. 

So for example, let ' say you have a balance of {$5200.00} dollar and your minimum payment is {$150.00}, and you have an autopayment set up to pay the minimum monthly balance. If you pay {$5000.00} towards your balance, they will go ahead and take another {$150.00} from you based on your auto payment. So you end up paying {$5100.00}. 

There is no option to pause the minimum payment for one month. You have to cancel it entirely and set it up again in the next month. If you call them to have it paused, they have no way of pausing it for only the one month. They can cancel it and then you have to remember to call back the next month to have it turned back on. 

Previously, if you paid the minimum, then they would not process your auto payment of the minimum monthly payment. This is also the way it currently works with other credit card companies. 

This policy results in overdrafts of connected checking accounts and missed future payments because of the need to restart the auto payment. They are intentionally creating mechanisms that confuse customers on how much will or will not be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter some time ago to Equifax regarding false information on the credit report. This blatant disregard for not caring if they are in compliance is ruining my life. I have been asked about these items in 2 while in the process of 2 different job interviews! According to FCRA 605B these items should be blocked after 4 days of receiving the complaint. It's been well over that mark and this needs to be solved immediately. They are breaking the law and violating my rights as a consumer. Section 611 says, refusal to investigate these items within 30 days is cause for immediate removal. I demand these items be removed immediately. 

XXXX XXXX XXXX XXXXXXXX Unauthorized inquiry Direct VIOLATION FCRA 605B, DELETE NOW XXXX XXXX XXXX XXXX Unauthorized inquiry Direct VIOLATION FCRA 605B, DELETE NOW
Product: Credit reporting or other personal consumer reports

I kindly request that you investigate these discrepancies and take the necessary steps to correct or remove the inaccurate information from my credit report. Please complete your investigation and notify me of the results within the time frame required by the FCRA. 

I am writing to formally dispute incorrect personal information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies and request prompt correction or removal.
Product: Vehicle loan or lease

Ally Financial XXXX XXXX XXXX, XXXX, MN XXXX- You furnished the alleged transaction on my XXXX, and XXXX that you identified as late. 
15 U.S. Code 1681a - Definitions ; and Rules of Construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 
The only way a creditor ( which is you in this case Ally Financial ) can treat a payment as late falls under 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. 
In order for any creditor to treat a payment as late, you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Please provide proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith, under Rule 1002, the documents that show proof that the information pursuant to Sections 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely on me stating that you are furnishing accurate information, because we both know you are not.

Do not tell me this information is verified because you have not submitted proof of compliance with sections 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide proof of the mailing or delivery of the information required by Section 1666b you can not treat a payment as late, which means you have also violated Section 15 USC 1681s-2. You have 10 calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late and update it as paid as agreed. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX _________________________________ Without Recourse XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Barclays credit card account for a Frontier Airlines card. I checked my credit score on XXXX XXXX about a month ago ( XX/XX/2023 ), and saw that my score went down as there was a new line of credit opened. As I investigated further, I saw that there was {$970.00} in charges to this newly opened Barclays Banana Republic credit card account. I was very confused as I know I only have one Barclays account and I have never shopped at Banana Republic. I immediately called Barclays ( XX/XX/2023 ), reported it as fraud, had an investigation opened and the account closed. I also made an account on IdentityTheft.gov and went through their " Recovery Plan '' which suggested I place a credit freeze and fraud alert on my credit reports as well as an extended fraud alert, which I did.

Today ( XX/XX/2023 ) I checked my credit score again and the {$970.00} in charges were back on my report and the remark on my account now stated " Account previously in dispute - Now resolved by data furnisher ''. Again, I immediately called the Barclays fraud department. They said that their investigation determined it couldn't be fraud as you have to present an ID to get the Banana Republic card. I demanded my account be re-investigated for fraud and told them I will be sending a letter of explanation as well as submitting a complaint to CFPB.
Product: Student loan

I got my first loan in XXXX. My loans have been sold to new servicers repeatedly. I had my interest down to XXXX at XXXX point but every XXXX time they resell my loans it keeps going up. It 's currently around XXXX. This ridiculous. Technically my loans were paid off by these companies who keep reselling my loans without my permission or knowledge I might add. How is this legal??
Product: Credit card or prepaid card

Please refer to CFPB case number XXXX-XXXX  ( attached ). 

I noticed that Comenity Bank ( XXXX ) reported my account status as Delinquent on my credit report when I should have been enrolled in a hardship program. 

I messaged Comenity Bank on XX/XX/2019 to understand why my account reflected delinquent on my credit report. On XX/XX/2019, A representative from Comenity Bank messaged me back stating my account was unbeknownst to me, unenrolled from the hardship program on XX/XX/2019! Per the above case number, Comenity Bank was to cease and desist all illegal debt collection calls, not any calls that inform me of important account updates! I also did not receive a letter indicating I was unenrolled. I am not sure as to why my account was unenrolled, but these kinds of deceptive practices will ensure that a lawsuit is filed.
Product: Credit card or prepaid card

My identity was stolen. I reported it to the credit bureaus. I reported it to the credit card issuer. I reported it to the debt collector. They all do absolutely nothing. They are worthless, only pretending to do an investigation. They lie when they say they send requests for information or copies of reports. They should all be in jail. XXXX XXXX XXXX, Midland Credit Management, and XXXX in particular are loathsome.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's security breach was not reported to potentially impacted people, like myself in a timely manner.
Product: Vehicle loan or lease

When inquiring to buy a car from car dealership named XXXX XXXX XXXX informed me and found a loan from CREDIT ACCEPTANCE XXXX XXXX, they have used my name and social security with a fraudulent Loan with a reference XXXX XXXXXXXX for a XXXX  XXXX, a car I DO NOT OWN & never have business with them. 

Please direct me and help me with this violation, identity theft and scam. 

Thank you for time and attention, XXXX XXXX Ph : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are reporting information that belong to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed these items by letters with all three credit bureaus.
Product: Money transfer, virtual currency, or money service

I am a Blockfi customer with frozen accounts
Product: Prepaid card

I received several {$100.00} American Express gift cards which are virtually useless and frankly it should be considered criminal activity that American Express is purposefully making the card unable to be used at all major online retailers. The card will not be accepted at XXXX, XXXX, XXXX, XXXX, and on and on. They claim it can be used anywhere an American Express is accepted, which is a flat out lie. XXXX requires that the card match the cardholder 's name and address ( which American Express is aware of ), but Amex will no longer allow a person to register their name and/or address to a gift card. Presumably so that the card will get declined at every major online retailer ( like is being done ). Again, this is absolutely criminal and an intentional act by Amex to hold money longer or forever from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$4800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX  XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

I never received a notice that I owed any debt. Checked my credit reports and found negative accounts. Sent out debt verification letters and cease and desist stating only to communicate by mail. They called me on XXXX/XXXX/2015 after receiving my letter sent out on XXXX/XXXX/2015 and I never received any letter or coerrespondance at all about the verification of debts. They have not removed the negative marks from my credit reports.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in regards of the reporting, inaccurate amount and dates are being reported.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score ( account name XXXX XXXX XXXX Account Number:XXXX. In accordance with the Fair Credit Reporting Act, Public law XXXX, XXXX VI, section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.