23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from XXXX ( sp? ) at XXXX XXXX XXXX XXXX last Thursday XX/XX/XXXX regarding a past due balance of {$670.00} with XXXX XXXX on XX/XX/XXXX ( 3  1/2 years ). I have spoken with XXXX ( XXXX ) to try to come up with a resolution regarding this balance with no avail. 
I had not received a bill, a call or any notification to this amount due until now. So its been discussed and determined with XXXX ( XXXX ) on how it came about why the amount due was not paid and the reasons are as follows. 
1. In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX was my current Insurance along with XXXX. 
2. XX/XX/XXXX my insurance switch to XXXX ( XXXX ) and XXXX. 
3. In XX/XX/XXXX is when XXXX XXXX decided to submitted a bill. It went to XXXX ( because billing office asked XXXX who my current insurance was and not who I had in XX/XX/XXXX ) and it was rejected. Then supposedly the billing office sent the bill to me at a previous address that I had moved from in XX/XX/XXXX. My new address on the backside of my drivers license that was not marked down by the XXXX 's. 
4. I never received a phone call even though the phone number on records has always been correct. I could have resolved the matter in XX/XX/XXXX if I had received a phone call. 
5. The outstanding invoice sat in limbo from XX/XX/XXXX to XX/XX/XXXX when a supervisor decided to send to collection agency Merchants Medical for payment. 

The {$670.00} would have been covered by XXXX XXXX and XXXX if your they would have received the bill in time. I am not going to be held responsible for the {$670.00} or this to be on my credit report. I have had 2 conversations with XXXX and 1 email from XXXX XXXX  Director of XXXX XXXX and cc 'd XXXX XXXX, CEO XXXX XXXX to try to have this invoice taken care of and I spoke to XXXX XXXX to get billing information to resubmit. This information was then given to XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Final Request for Removal of Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXXXXXX XXXX XXXXXXXX account number XXXX. Despite multiple requests for correction, with dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, TransUnion has not addressed my requests. This ongoing lack of response violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my XXXXXXXX XXXX  XXXX account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness, causing undue hardship. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. Desired Resolution I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report for this account, along with written confirmation of the correction from TransUnion. Discrepancies and Errors Across Bureaus TransUnion Payment Errors : Incorrect 30-day late payment reported in XXXX and XX/XX/XXXX. XXXX  Payment Errors : Incorrect 30-day late payment reported in XXXX and XX/XX/XXXX. XXXX XXXX Errors : Has no late payments reported. Please resolve these discrepancies and remove the erroneous late payment notations across all bureaus immediately to prevent further escalation, including potential legal action and additional complaints with relevant consumer protection agencies. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Transunion and sent in the corroborating proof that the date of first delinquency was not being reported correctly. 
I called and spoke with a supervisor at Transunion and was informed that the credit reporting agency ( XXXX XXXX ) reported that the date was correct. 
After speaking with the supervisor and requesting how this was verified since I sent in the payment history showing the late payments, to include copies of the credit reports showing the payment history, I was informed that it was irrelevant since the credit reporting agencies said it was correct. 
We further discussed the process about the information that I sent in to prove that it was not reporting correct dates and asked if it was being reported fraudulently since I can prove that the dates are not correct and was advised that nothing that I send in is considered, only what the creditors report.
Product: Credit reporting or other personal consumer reports

I'm writing to express my concerns about some issues I've encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing mistakes. I need help resolving these issues to ensure my financial security.
Product: Debt collection

The account was paid in full last year XX/XX/XXXX and the company representative stated I owe $ XXXX.So I asked why she indicating I owe that amount, she stated it was the copay from my insurance company. So I called XXXX ( my insurance ) to send me the proof of the check and my amount of {$250.00} was included since it was filed on uninsurance motorist because the driver left the scene and the car was totaled out that's why my deductible was only {$250.00} and it was included with the payment. So I had to sign my car over to XXXX so the company could be paid. So XXXX now owns the car However afterward when I reach out to the company they indicated that I owe {$240.00} ( XX/XX/XXXX ). Then just two monthsXXXX ago I was told to pay {$100.00}. This is fraud by indicating I'm behind on a car that was paid off a year ago and I also file with OCCC because they are making false and fraudulent claims on all three of my credit reports and I have submitted documents. The inquiry was removed then later it was put back on all three of my credit reports ( late payments ) This is an unfair allegation. This is a predatory lending company ( This company is fraud and adding usurious interest to a car loan that's been paid in full!!!!!
Product: Debt collection

I contacted this company via XXXX mail requested validation of the account, the debt and the information that they are reported to the credit bureaus which is inaccurate. I have disputed this account and the information with the credit bureaus and they reported back to me that the information is correct. I would like to know how is the information correct when I know for a fact that it is not and the company has not responded to my request to validate their claim. For XXXX, I am not in a Chapter XXXX bankruptcy and this account is currently reported as a negative account that is in bankruptcy on my credit files. This account was opened in XXXX, in which it is to old to be on my account, especially with negative in accurate information being reported. They never gave me a chance to dispute their claim as well, especially with it being negative information. All of my loans are consolidated with another lender and they are up to date and current, it 's not fair that these accounts are listed as negative on my credit file with inaccurate information in which the company can not and or refuse to validate with competent information. I would also like to know what type of evidence or validation the credit bureaus received in their investigation that verifies that their claim is accurate.
Product: Debt collection

XX/XX/2020 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Fair Collections & Outsource XXXX XXXX XXXX XXXX XXXX, MD XXXX File Number : XXXX XXXX XXXX RE XXXX XXXX XXXX, {$7800.00} Dear Fair Collections & Outsource, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC.

In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again
except to provide information or documentation to clear up my reasons for disputing this debt.

If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping  accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.
Product: Debt collection

What I remember is when I had my business in the city of XXXX on XXXX XXXX this company approach me to buy a Web site advertising and the were really pushing me to buy it. One day after many times they trying to convence me I agree to do it BUT for 6 months only!!! The were trying to convence me to do One year but I told them NO!!! 
So, they agree for 6 months. The took my checking account number and were doing withdrawals every month. Before the XX/XX/XXXX month I told them that that advertising wasnt working for me at all and I asked them to stop taking money from my checking account but they charge the XX/XX/XXXX month and I complained to them and they said that is for One year and I told the that the agreement was for 6 months. 
Then I canceled my checking account so they couldnt charge more. 
Since then I havent heard from them until now with this Collection in my credit report. 
Please understand my situation, I dont have that store anymore. 
I need your help to resolve this matter as soon as possible. It is damaging my credit and is not fair, because I act in good faith when they approach me to do business with them even Though I never had any customer related to their advertising. I believe in my heart that was going to work but never did and I paid on time for those 7 months. Please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX student loan was Paid off and never late it was in forbearance XXXX XXXX XXXX XXXX paid on time and never late it was in forbearance XXXX XXXX   Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to Experian disputing incorrect names on my account.
Product: Debt collection

I am filing a complaint against TARGET/TD because they are attempting to collect a debt that I do not owe them. Account Name : TARGET/TD, Account Number : XXXX I would like for TARGET/TD to show proof of verification that I owe them {$1000.00} with the account above. To my knowledge, this account has been paid. TARGET/TD is reporting inaccurate information on my credit report.
Product: Checking or savings account

Bank of America. Has my accounts, the company is the trustee too my account as trustee and XXXX XXXX is the personal management trustee. Both them been the same. From old owner. XXXX XXXX XXXX .... business estate address in the year of XXXX/XXXX/XXXX ... ... .. XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX they have 3 account for me in the bank for these business. Too me ether owner CEO .or trustee heir executive finance .I am name both employer and employee heir in this issue. ... XXXX XXXX. Has it on file, in the year of XXXX. Public contract filed in year of XXXX, Under address XXXX XXXX XXXX XXXX ga. And filed under address XXXX XXXX XXXX XXXXXXXX ga in year of XXXX, and filed in year XXXX, XXXX XXXX XXXX XXXX ga and XXXX XXXX XXXX XXXX ga, tittle exam on the business and and addresses. Will revill I am beneficiary owner, ,and heir aka employee heir, too all the information in this text. I want CPA accounting too all 3 business account in this text. ... start with addresses XXXX XXXX XXXX XXXX ga, XXXX XXXXXXXX XXXX. And XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX XXXXXXXX XXXX It says XXXX XXXX XXXX. That bank of America is the trustee and XXXX XXXX is the trustee both the same in the issue. A trustee pooling agreement .sign by both party too delivery too me all the good. Which the release date is pass due .too all of this. Also XXXX XXXX and XXXX XXXX. ... XXXX XXXX and bank of America is trustee for me .give me my company deeds and bank account and CPA accounting that is pass due .the IRS is send me my bills .the taxes has not been paid sense XXXX. A legal notice too quit. Not too give me my account. Also .if my account is says executive finance officer heir. Then give me my payckecks .if my account is say owner of all of this then give me my deeds too the company and bank account .also get a hold of the companies attorney so they can contact me and the agent that is listed for the issue too. It is a pandemic out here. I have completed the 22 long years of wait .like the old owner said. It was hard out here too do. ... ... tittle exam from the year of XXXX - XXXX XXXX XXXX XXXX ga. ..I been txt message bank of America on XXXX XXXX They all ready no the issue. ... foward this message too bank of America trustee division .so they can dig up my company account. Bank of America is trustee for me on all the information in this text. Filed also in year XXXX address up too year XXXX. XXXX XXXX XXXX XXXX ga XXXX XXXX... XXXX bank of America just text my XXXX XXXXunder my name of XXXX XXXX XXXX ga XXXXgreen boots on the face. Cover.
Product: Credit card or prepaid card

I paid off my Discover Card balance and requested a credit increase. I was transferred to three different people all who said they would submit the request and I would have a response in 30 seconds. The first person said there would not be a hard hit on my credit report, but then said I needed to talk to another group. The second person said there would be a hard hit on my credit report. The second person continued but then they transferred me to a third person. The third person said there would be yet another hard hit on my credit report for the increase. At this point I told Discover staff I simply did not believe what they were saying. I did not get a credit increase and I was told there was now a hard hit on my credit report.
Product: Checking or savings account

SoFi offered a pay by date of XX/XX/year> through bill pay, but did not meet that date and debited my account for {$120.00} on XX/XX/year>. Payee, XXXX XXXX XXXX, did not receive payment until XX/XX/year>. I contacted SoFi for explanation of the issue, and the agent recommended using electronic pay. Unfortunately, electronic pay is not available with this payee. I am concerned that SoFi is not meeting dates that it offers for bill pay, that it is debiting funds prematurely, and not providing me with interest on those funds for a prolonged period of time. This forced me to call XXXX, Which agreed to wave late and interest fees, on a one time basis. I am very concerned that this issue will reoccur, and Sofi offered no alternatives or solutions. Complaint reference number with SoFi is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding the conduct of Fig Loans Texas LLC, a financial services company. It has come to my attention that Fig Loans Texas LLC has violated my rights under the Privacy Act of 1974, specifically in contravention of 5 USC 552a and 5 USC 552b, as well as related Code of Federal Regulations ( CFR ) sections.

The Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

The specific sections of the United States Code that I believe Fig Loans Texas LLC has violated, in conjunction with related CFR sections, are as follows : 5 USC 552a- The Privacy Act of 1974 : Fig Loans Texas LLC, in its handling of my personal information, has failed to adhere to the provisions outlined in 5 USC 552a, which outlines the conditions under which personal information may be disclosed and the rights of individuals to access and amend their records.

5 USC 552b- The Government in the XXXX XXXX : Fig Loans Texas LLC actions appear to contravene the provisions of 5 USC 552b, which governs the openness of agency meetings and the disclosure of information. I assert that Fig Loans Texas LLC lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. 

XXXX XXXX - Safeguarding Customer Information : Fig Loans Texas LLC XXXX also be in violation of XXXX XXXX, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding Fig Loans Texas LLC data handling practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by Fig Loans Texas LLC and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.
Product: Checking or savings account

A dispute was filed on behalf of my company XXXX XXXX XXXX. A letter came back in my favor XXXX XXXX saying the credit was permanent. In regards to the dispute the fees that were associated with every one of those charges were not reversed in turn using my money to cover the associated fees for all 34 of the charges associated that were reversed. Chase bank has not been pro active in fixing the situation in a timely order and I have been treated unfairly causing financial difficulty. As well confusion with business associates.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$890.00} Late/Open- XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed- XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXXXXX-Collection- XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed-
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Security Finance, XXXX  & XXXX  : Thank you for sending me your internal records of the debt ( SECURITY FINANCE ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX  AND XXXX  including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Credit reporting

XXXX 2015, XXXX XXXX, XXXX XXXX in error pulled my credit 7 times to purchase a car for my XXXX adult daughter. Ask them to only pull twice, because I could use XXXX XXXX XXXX & I was going to purchase a property 6 months. The New General Manager, XXXX XXXX at area code XXXX XXXX XXXX XXXX XXXX provided a letter explaining the error a month ago after a year and a half of trying to have some of them removed, however Equifax has refused to remove any of the inquires. Doing the hard pulls, Equifax dropped by credit score by XXXX points.
Product: Credit reporting or other personal consumer reports

OnXX/XX/2025, I received a credit alert that a loan was opened on my report and was attached to my credit report. My student loans were forgiven almost a year ago through the PSLF and it seems that they have entered information inadvertently. 

The original loan account listed on my credit report stated that it was from MOELHA/DEP OF ED. That has now been removed from my credit report showing a balance of XXXX ''. 

The new account that was opened is XXXX XXXX XXXX with a balance of XXXX '. 

I'd like this to be corrected on my credit report because it has caused a negative mark and my credit score dropped. 

Please advise.