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

I was never late! I have had exceptional payment history witH 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 ( MONTHS REPORTING LATE ) to be removed. 

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

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


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 

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

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

I am writing to formally challenge the results of my recent credit report dispute and to request a more thorough investigation into the method of verification used to resolve the dispute. The information provided on my credit report appears to be inaccurate, and I believe the verification process did not adequately address the discrepancies. 
Details of the Dispute Disputed Item ( XXXX ) : XXXX XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/year>. 
XXXXXXXX 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 
The results of my dispute indicated that the information I disputed was verified as accurate ; however, I have reason to believe that the verification process was not sufficiently comprehensive. Based on my review of the dispute outcome, I believe that the following was not properly considered or verified : Failure to review my identity theft report from the Federal Trade Commission regarding the disputed item. 
I am requesting that you delete the incorrect information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), if an item can not be adequately verified, it must be removed from my credit file. The information in question has not been properly verified, and therefore, I believe it must be deleted. 
Please provide me with the following : A detailed explanation of the method of verification that was used to resolve my dispute. 
Copies of any and all documents used to verify the disputed information. 
Confirmation that the inaccurate information will be removed from my credit report, as required under the FCRA, or provide evidence that the information was fully verified. 
I expect that you will investigate this matter thoroughly and take the appropriate action to correct my credit report. Please send me written confirmation of your findings and the actions taken.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Today, XX/XX/2021 at approximately XXXX XXXX  I attempted to utilize my Robinhood debit card via my smart watch to make a purchase at a XXXX store in XXXX, XXXX  for a total of {$170.00}. I attempted the transaction twice and both times were declined. Although I currently live in XXXX XXXX, XXXX, I have previously lived in and frequently visit XXXX. Despite this frequent activity, my account was flagged for unusual activity. I received texts, alerts, and emails stating that my account had been restricted and that I could not withdraw or use my debit card. I contacted Robinhood customer support but they refused to lift the restrictions even though I was able to provide all the information they requested, including my birthday, social security number, email address, physical address and a plethora of other questions. The Robinhood customer representative said the only way Id get access again is if I text them a selfie with me and my drivers license, upload a copy of my SS card, send them a copy of my most recent bank statement, and send them an explanation of my most recent deposit. It sounded like a scam but I went through the Robinhood app and escalated it to a specialist/manager before being told they couldnt help me. My account is frozen and my debit card no longer works. I informed them that Im on vacation and dont have an SS card to upload. They told me too bad, that theres nothing they can do. The call center worker also told me that this specific problem happens quite often to their customers. Considering I have around {$7000.00} in the account, and am currently on vacation in another state, I need this resolved quite expeditiously. Any assistance your agency can provide would be greatly appreciated
Product: Payday loan, title loan, or personal loan

The following communication has been sent to Lending Tree in XX/XX/ when I was approved for a personal loan : " The Lending Tree results are totally UNACCEPTABLE!!!! Why on XXXX 's XXXX XXXX would I want a 32.99 % interest rate on a loan to consolidate credit card debt with an interest rate of 29.99 % THE POINT IS TO GET AN PERSONAL LOAN CONSOLIDATING DEBT AT A " LOWER INTEREST RATE '' YOU HAVE GOT TO BE KIDDEN ME? '' I refused the loan such that I have told reps not to contact me. I communicated we will not be doing business for any reason.

Recently, I looked into obtaining a mortgage loan working with different mortgage loan officers. Recently, I received phones again this week from Lending Tree trying to sell me products and services I do not want. The first call was when I was on vacation, XXXX  XX/XX/XXXX, such that the second call transpired today XXXX  XX/XX/XXXX. 

I am tired of these people harassing me asking about service 's pertaining to my personal debt. 

I do not need their help! I do not want their help! They are not to contact me for any reason. I have asked this of them over the phone, emails and through the XXXX. Now, I am resulting to use the CFPB. 

Please put a stop to this, as their services are not for me! 

Thank You.
Product: Credit reporting or other personal consumer reports

I've started sending out letters to XXXX, Experian, and XXXX to review inaccurate information on my credit file since XX/XX/. I've went to simply asking to verify the account, to intending to file a complaint. I've just about had it and I need these items to be investigated immediately.
Product: Credit reporting or other personal consumer reports

After several written attempts to each credit bureau, I have not succeeded in getting my credit report accurate. Lately, I wrote in and called each credit bureau to dispute XXXX XXXX  accounts on my credit report. XXXX XXXX  continues to report balance and past due payments on my credit years after the account was sold to collections. Currently, after my last report, Trans Union removed one of the accounts but not the others. XXXX and XXXX claimed to investigate and find the information to be correct. I have asked how the collections and the original account show past-due months or late payments and a balance. That is absolutely unfair. Once the original debt was sold, the account should be marked as closed with a XXXX balance, and the account should have a statement that the account was sold to collections. 

I should not have to continue to write in, call, etc. I have been affected by this for too many years after the fact and almost a year of continual disputes being sent to the credit bureaus.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This

provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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

Someone entered a Fraudulent consumer transaction with an organization using my credit card ( as described in XXXX XXXX XXXX ) and as a Result was extended credit in a consumer credit sale by this organization. The XXXX is now Claiming that they originated the credit, that someone else Extended to them by using my personal information, in which constitutes XXXX. Pursuant to the Federal Law they have committed fraud and several violations of the FDCPA, TILA, & FCRA. They have not validated anything ; I never received a XXXX XXXX of any of the information that was suppose to be provided to me. They have not been Impartial & have taken an unfair Advantage of me as a Consumer ; They should be held accountable for deceiving me and not Validating the XXXX. They are Violating my Trust within the banking system and this is causing me Reluctance when doing XXXX with other banks & XXXX institutions. They are Ruining my general Reputation and Character and should be held Accountable for Violating the law and Violating my Trust. This is causing me severe adversity, Stress, mental anguish, hardship, & XXXX as a result of them reporting Fraudulent information on my consumer Report. They're acting as if they are Unaware of what i am Requesting or that the Law does not Apply to them and I've included Evidence & Proof several times, Pursuant to Federal law with facts that prove that the Law does in fact apply to them & that they Must Adhere to them. They have disregarded the law by saying, The information I disputed has been verified accurate, which is Not Proof Of Verification or Proof of Anything. They have not Provided me with any Original Documents & They Continue to disregard the Law by failing to properly verify information and using unfair Practices With no real actual investigation ; They haven't conducted any interviews nor have they sent me Verification with Exact names & addresses of conducting Actual interviews Nor have they provided me with any Material Disclosure of any Original Documents. Their willful Disregard to Federal law and non-compliance has essentially damaged my Credit XXXX as well as my consumer Report and Reputation.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request according to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. I am filing this FTC Identity Theft Affidavit to report 3 fraudulent account ( s ) appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which result from identity theft and fraud. These fraudulent accounts consist of a loan charge account opened at XXXX on XX/XX/XXXX under account number XXXX. A collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. A XXXX XXXX opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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: Debt collection

XXXX accounts are showing up on my credit reports that are not mine. The address and phone number associated with them are also not mine. I have never lived at the address or in the state. Nor have I ever shopped at XXXX XXXX XXXX or XXXX XXXX. 

TDRCS/XXXX. Opened XX/XX/year> {$5900.00} it has been charged off but is affecting my credit. Company is disputing also- File # XXXX XXXX XXXX. Also opened XX/XX/year> {$8000.00} it has also been charged off but is affecting my credit. Havent been able to get ahold of company.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent all 3 CRAs a letter about illegally furnishing recent and high balances aka utilization on several credit cards I have. They credit card companies had 15 days to follow FTC guidelines and XXXX XXXXXXXX was the only one to do so with one bureau which is XXXX. Ive been waiting well over 15 days for an update or response. These companies are all the same so why was XXXX XXXX the only company in compliance with these regulations and laws. Reporting recent and high balances is a violation of the Privacy Act of Consumer Financial Information of the Gramm Leach Bliley Act. Meaning if my limit is {$6800.00} no CRA should furnish recent and high balances ( transactions and my private information on a private account ) publicly over {$6800.00}. FCRA 15 U.S.C. States consumer reports does not contain any report containing information solely as to transactions and experiences between the consumer and the person making the report. Therefore the credit card companies violated FCRA, my privacy rights and FTC regulations. Transactions and experiences are recent and high balances that should not be publicly furnished on my private credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 I received a credit report from what was suppose to be responses from dispute processes, instead it illustrates the depths Experian will go to to ignore, evade and continue to violate the law, statue and regulations that cover credit reporting agencies. 

I requested the name, address and phone number as authorized of the third party they stated verified public records, they didnt provide. 

I requested after providing proof of error in the name characterization on my credit report, instead they reported more, no statue or law gives a creditor or credit reporting agencies authorization to change legal names, but Experian seems determined to make up their own laws. No creditor has reported the name XXXX XXXX XXXX, XXXX, XXXX, or XXXX XXXX XXXX, this is Experian method of justifying erroneous reporting and its illegal. 

The truth is as a matter of fact, their is no public record on XXXX XXXX, their is no account verified for XXXX XXXX with XXXX, yet in order for Experian to continue to report and collect fees for erroneous reporting they just add names to a person credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}
Product: Credit reporting

There is a XXXX XXXX that has a DLA of 7 years still listed on my credit file. I feel this company has re aged this. If a proper investigation was completed this would have been removed. XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I submitted for a lease transfer on my XXXX account in XXXX  which I was told the fee of {$590.00} would need to be paid by having a check sent in with the paperwork. I had not even submitted the paperwork yet and they went and added the {$590.00} transfer fee on my account. I was struggling financially in XX/XX/2021 due to my Husband losing his job due to covid. I was paying as much as I can each time. I decided not to move forward with the transfer as we did not have the money to transfer the lease. They applied the payments I made towards XX/XX/2021 to the lease transfer fee after I confirmed on the phone with a representative that this would not happen. She stated the monthly payment is always the first priority. This was not the case. The took all of my payments in XX/XX/2021 and XX/XX/2021 and applied it to the {$590.00} charge. This left a balance of {$120.00} due towards the lease transfer fee. I called almost every day to try to get my account reallocated. Due to covid everyone was working at home and communication between team members was very poor! I was told everytime that it would be done with in a few days. No one ever followed up with me or called me back like they said they would. One lady I spoke with told me to keep sending in money and I refused due to the fact it would still be applied to the lease transfer fee that shouldve been removed. It took from XX/XX/2021 till XX/XX/2021 for them to reallocate my account and I was hit with a late payment for XX/XX/2021 and XX/XX/2021 because I did not have all of the extra money they wanted me to send in in addition to my monthly payments. I believe they even waived the late fee charges but will not remove the late credit reporting. This error couldve been fixed way before I got his with a late payment if I did not have the extra charge on my account where my monthly payment money was going. I have never had a late payment ever in my life and once my account was corrected every payment was made on time. There has to be a call log of me calling every day to try to get this resolved before it became an issue. Please help me out as this is hurting my credit. I am looking for some understanding as this something that ally should have fixed much sooner and I have to get blamed and take the fault for it. They never followed through on removing the lease transfer charge from my account or returning my many requests for phone calls. Thank you for your time! 

XXXX XXXX XXXX
Product: Debt collection

I'm filling this complaint against : Plus Four inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV, XXXX. 
XXXX This company has reported a negative collections on my credit report in violation of the ( No Surprise Billing Act ) Both Federal and State. I would like it remove immediately. 

The Responsible party for this debt is my Provider at the time ( XXXX XXXX XXXX XXXX ). As they ordered this medical service after my XXXX XXXX were done with out my knowledge and with out my consent out side of my insurance network. It clearly falls under the ( No Surprise Billing Act ) both Federal and State. They are also in Violation of this Law by not taking care of this debt. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the company that the medical service was ordered by my provider. 
They are also in Violation of the Law ( No Surprise Billing Act ) By continuing to try and collect this debt from me. 

All XXXX  company 's are in Violation of the Law. ( No Surprise Billing Act ) both Federal and State. 

All XXXX  company 's were contacted by myself by Mail, Phone and Email to try and resolve this issue. 

I had XXXX XXXX done by XXXX XXXX XXXX in XXXX XXXX NV. They were ordered by my provider XXXX XXXX XXXX XXXX witch is part of the hospital. I was told by my provider and the hospital that that the XXXX XXXX would be 100 % covered by my insurance ( XXXX  XXXX ) and that I would not be billed for anything. 

This debt was acquired after the XXXX XXXX  were done by my provider with out my knowledge and with out my consent. 

The ( No Surprise Billing Act ) States that the provider and the third party have to work out the bill ( Debt ) and I'm not responsible for it. 

I also informed all three party 's involved of this. By Mail, Phone and Email. The provider ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) and ( Plus Four Inc ) of this. 


I XXXX XXXX XXXX swear that the above statement is true and accurate to the best of my knowledge