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

XX/XX/2023 I have a collection account reporting as open and with a past due amount.. XXXX XXXX XXXX ..collection 's are past due by default and should not be reporting as an open account 15 usc 1681e compliance procedures transunion fail to attend to this inaccurate information...
Product: Checking or savings account

On XX/XX/2023 I set up recurring external transfers out, {$250.00} each, on the XXXX each month, to begin XX/XX/2023. 
When I signed in to destination acct on XX/XX/XXXX, the funds weren't there. 
I signed into Citizens Access to find the transfer hadn't been done. I called in, the representative read a statement saying " future dated transactions from XX/XX/XXXX to XX/XX/XXXX are delayed. '' I asked why, and why hadn't I been informed, and she had no answer. She offered to make this month 's transfer for me right away, and I approved, because I needed the funds ASAP. Throughout the call I asked several times for a supervisor so I could get some explanation and to set my expectation of when things would be back in order. She checked three different times but no supervisor was available. She made a request to have someone call me -- Case # XXXX. More than a day has passed and I've heard nothing. 
Today I signed in to my destination account to find TWO {$250.00} transfers were completed yesterday/today.> This issue comes after an issue I had last year, when I asked for a matured CD to be closed & deposited to savings. 5 days passed and I signed in to find it wasn't completed, again no notice or contact from the bank. When I called in, the rep said " it was done '' but they just hadn't put the funds into my savings. What was done? He couldn't tell me. He promised to ensure the CD gets closed & deposited to savings, and would have someone call to let me know when it was complete. Three days later, no call, and still no funds. Online the CD appears to still exist. I called yet again, and the rep said it's scheduled to be closed tomorrow, but Monday is a holiday, so it'll be FOUR MORE days to be deposited to savings. Total of 13 days delay.
Product: Credit card or prepaid card

I don't know why I was charged a {$43.00} charge in XXXX and a subsequent {$2.00} fee in XXXX, 2023
Product: Debt collection

I have disputed this debt and I have formally requested validation and they refuse to comply with the law. They responded saying that they sent me information on XX/XX/21 and again that is not validation of debt. I want this account closed, because I have not agreed to do business with them under any circumstance. I have not signed a contract with XXXX XXXX XXXX or Orion Portfolio Services LLC.
Product: Student loan

My student loans are held through XXXX. Interest is accruing on my federal student loans during this time of forbearance while the XXXX plans legitimacy is being discussed in the courts.
Product: Debt collection

I have several emails saying theyre attorneys and they need to collect a debt to be paid with green dot money card. When I called the businesses to see if I had the debt the businesses said I do not. The attorneys names are XXXX XXXX and XXXX XXXX.
Product: Consumer Loan

Lender ( OneMain Financial ) claimed late payments, despite being authorized ACH withdrawals on a specific date. Lender did not attempt withdrawals on authorized date on at least XXXX occasions, and then began charging late fees despite not taking the money on agreed upon date. Lender refuses to refund late fees, and continues to attempt to collect them despite the error on their part. Lender was given written notice revoking ACH withdrawal authorization, yet continued to withdraw money. Lender refuses to make the correction to the account and has initiated a harassment campaign including numerous phone calls, letters, XXXX letters, and calls to friends/relatives. This complaint is also being filed in conjunction with civil litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

1 5 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$3100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, TRANSUNION, & XXXX I am writing to formally dispute inaccurate information that has been reported on my credit report. This dispute is made pursuant to 15 U.S. Code 1666b regarding the timing of payments and the requirement for creditors and reporting agencies to exercise due diligence prior to reporting.

CFNA ( XXXX XXXX ) Account Number : Ending XXXX Date of Dispute : XXXXXXXX XXXX XXXX Late Payment According to 15 U.S. Code 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 unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date.

Additionally, under 15 U.S. Code 1666, creditors are required to conduct a thorough investigation and correct any billing errors within a specified timeframe. The information reported on my credit report does not reflect these legal requirements, and I believe it to be inaccurate. 

I request that you Investigate the disputed information. 
Correct any inaccuracies found. 
Provide me with written confirmation of the corrections made. 
Please consider this letter as my formal dispute and acknowledgment of my rights under the Fair Credit Billing Act. I expect a response within the legally required timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022. My tracking number is # XXXX, XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people. 

These are a clear violations of my federally protected consumer rights.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid on line my Citi Double Cash credit card via withdrawal from my XXXX XXXX checking acct. On XX/XX/XXXX my XXXX XXXX checking was hacked and the checking acct. was frozen. The payment was stopped by XXXX XXXX going to Citi. I have kept Citi updated by telephone daily and have wanted to pay my balance that I owe Citi.They keep telling me the computer will not allow me to pay the balance previously sent in on XX/XX/XXXX. Today they told me I would not be allowed to pay this balance until XX/XX/XXXX. I am afraid that on XX/XX/XXXX they will have another excuse why I can not pay the balance I owe and I will incur a late penalty and interest on the balance owed. All I want to do is pay what I owe Citi
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX  XXXX has violated my rights Account # XXXXXXXX XXXX XXXX has violated my rights Account # XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violate my rights Account # XXXX XXXX XXXX XXXXXXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights Account # XXXX XXXX XXXX XXXX XXXX XXXX  has XXXX XXXX rights Account # XXXX DEPT OF ED / XXXX has violated my rights Account # XXXX US DEPT OF ED has violated my rights Account # XXXX XXXX / U.S. DEPT OF EDUC has violated my rights 15 U.S.C. 1681 section 602 A. states I have a 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.
Product: Credit reporting or other personal consumer reports

XX/XX/year> {$530.00} {$190.00} Ive dispute the inaccurate information filed police report etc. The reporting agency has not removed the information from my report. Ive sent supporting documents for this matter.
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment to be updated.

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

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

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


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

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


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XX/XX/year> I called XXXX XXXX about my XXXX XXXX XXXX business account to make a payment arrangement the manager approved my payment arrangement so after the manager approved it I had to call back because the company I work for was sending my check late so the representative that I spoke with in XXXX  after talking to the manager I explained to him the manager had approved the payment arrangement but I was calling back because my check wouldn't be in by the date the payment arrangement was made so I asked him if it was okay to send it in the next week he said let me take a look and see he came back to the phone and said yes it's okay to pay the next week. Remind you the payment was submitted in the same month and was not 30 days past due and XXXX  XXXX is making false late payment to my credit report and I have never been late since I have had a credit card with the company but to make a false report to the credit bureaus is wrong because it's making it seems like I can't pay my bill on time.
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 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 items which are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$68000.00} If you feel there is a possibility these items 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 items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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

On XX/XX/20 I was charged a membership fee of {$59.00} for a Capital One XXXX credit card. XX/XX/20, I contacted Capital One to waive the membership fee. Capital One declined, so I asked to downgrade my card to a version that does not have an membership fee. On XX/XX/XXXX, my card was downgraded and I was shipped out a new card. When I asked about refunding the membership fee since I no longer had the benefits associated with the card, I was told to call back after the statement closed on XX/XX/XXXX. Called on XX/XX/XXXX and requested a refund of the membership fees as instructed on XX/XX/XXXX. XX/XX/XXXX call was escalated to a supervisor and I was told I would receive a call back within 7-10 days. Called again on XX/XX/XXXX to follow-up on the membership refund and was told I can not get a refund or any pro-rated amount refunded despite not having the membership benefits associated with the membership fee. Capital One is refusing to refund a " membership fee '' for associated benefits that I do not have. I did not used their card in XXXX or XXXX, so no benefits were conveyed during the month long dispute of the membership fee. I am entitled to the return of my fraudulently retained membership fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX County court ordered me to pay XXXX XXXX in the rears and made an adjust to the monthly payment. The state of North Dakota is reporting me 120 days late from the time the Judge made the order. Judge made a provision for the back child child support of 10 % to be an addition to the XXXX ordered monthly. I believe the first payment of XX/XX/17 was the first actual payment that could be made. The State of North Dakota Department of Family Services is has damaged my ability to get financial capital to be able to pay off this debt as it has adversely affected my credit profile. I reached out to XXXX XXXX the case manager on 2 accessions over the phone as well as other people in the Department and said basically they didn't care how it was reported and would not correct the errors. I also would like to have the accounting of the payments to be reviewed to make sure the balance is correct. 
case XXXX XXXX XXXX County North Dakota Pages 11-16
Product: Mortgage

I believe the loan officer breached my family information and another family information By sending us a pre approval with my wife name on it and another family name on it We forwarded the pre approval letter to our real estate agent who noticed It is attached to two families And she called us and said what are you guys trying to do here it look like a scam or fraud My wife got so devastated and upset She been working as a XXXX XXXX for XXXX & XXXX for 15 years and that loan officer try to destroy her reputation He didnt even apologize or trying to he said so what you cant do nothing about it
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
This account is completely Inaccurate this account was rightfully deleted from my XXXX report & is only reporting still here & effecting my life in a negative way. According 15 U.S.

Code 1681n states that any person who willfully fails to comply with the FCRA shall be liable for damages of up to {$1000.00} per violation. So before I begin to take legal action please take immediate actions on this account & remove it!

15 U.S. Code 1681i - Procedure in case of disputed accuracy : States that after reinvestigation of any information disputed by a consumer, the item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete this information. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX XXXXXXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX XXXX ( Original XXXX XXXX XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX XXXX XXXXXX/XX/year> : Account number : N/A, Identity theft happened. Remove account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XXXX XXXX,2017, I tried to access my Equifax report through the official website, XXXX. After completing the requested information I received a message that they were unable to access my information on-line. No reason for this was given. It was further suggested that I should request the report is writing. This I do not want to do as it will take such a long time to get the report, especially right now during the Equifax data breach. So, I decided to see if I could get the reports from the other 2 sources. I successfully accessed my XXXX report, but not the XXXX report. I received a message from them that they could not access my information and that I should try again later. When I went back to the starting page to try again each of the sources was checked off as if I had gotten the reports. This was confusing. I need to know whether or not I will be able to get the other 2 reports later or will these unsuccessful attempts to get my reports be considered my annual requests and, therefore, prevent me from getting the actual other 2 reports.. It was annoying to have to reenter all of my personal information each time I went back to the beginning to try again.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items that resulted due to Identity Theft. Please find the required documents to assist in the removing of the erroneous information which are being posted to my report. According to FCRA Section 605B ( a ), 3 Credit Bureaus shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. Please help remove this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. Here are the list of items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I traded in on XX/XX/XXXX a XXXX XXXX 2018 to XXXX XXXX in XXXX, CT. They fully paid the remaining balance and on XX/XX/XXXX I got the monthly payment ( {$840.00} ) debited from my bank account as I had automated payments set up since I opened the account. 
On XX/XX/XXXX I called the financial institution that had my loan and they acknowledged that they had debited after the account had been paid in full and supposedly issued a check for the total amount and sent it via mail. On XX/XX/XXXX I reached out again since I still had not received the check. I was told they would put a stop payment on the check reissue a new one and to give it until XX/XX/XXXX to receive it. On XX/XX/XXXX I called again and talked to XXXX who again said they would put a stop payment on the previous check and reissue a new one. It's the third check they say they sent. I confirmed the address with XXXX. It's now the XXXX and I haven't received any of the three checks they have supposedly sent.