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

This company is committing FRAUD. When I went on a trip in XX/XX/XXXX - XX/XX/XXXX, I called XXXX  to set up international calls when I arrived. The XXXX   from the XXXX that I spoke to assured me that they had set it up. I requested Global Travel Pass ( GTP ). The XXXX  said this was not an option and that I had to do the roaming. She said my only option was roaming and not the GTP. So I accepted what she told me as the truth. She assured me that she had set it up. So I was charged {$140.00} for one day, instead of {$10.00} a day for the GTP. I called the following morning and spoke to a XXXX  from XXXX who told me to just leave the roaming the entire 1 week trip and call when I get back to change to the GTP and that XXXX  would just remove the daily charges and only charge me {$10.00}. Both of these calls were on a recorded line. I told the XXXX  that I would not do that. He said it would not be possible to change to GTP because I was already in the country. I made him set up GTP and he was able to immediately set it up. So now another XXXX  representative has LIED to me on a recorded line. XXXX listened to the first call and claimed that I was given accurate information and that it was my fault so they would not remove the charges. It is clear that XXXX  is LYING and committing FRAUD with these charges. 

I will not pay this collection. This collection is FRAUD and I have a lot going on so I'm not spending my money on a FRAUDULENT charge. XXXX violated my rights. 

In accordance with the Fair Credit Reporting Act. XXXX ( Account XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681C ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XX/XX/XXXX to dispute a XXXX which turns into AFNI  for collections on my credit file. I have never heard correspondence from XXXX or XXXX about validation of debt and they continue to dispute this incorrectly. I have contact AFNI, because XXXX is so old it was bought out by another carrier years ago. AFNI even said they can not validate the debt because XXXX  is no longer in business. This account is from early XXXX. I know this because that is when I cancelled services with them. XXXX and XXXX have been nothing but rude and unwilling to fix the incorrect reporting on my credit file. Even the collection agency stated this should not be on my credit report anymore but said I must dispute through XXXX and XXXX.
Product: Credit card or prepaid card

DISCOVER continues to inaccurately report a dispute about an alleged " late payment '' on a {$200.00} secured credit card. DISCOVER responded to my attempt to correct the record by sending a copy of the statement. I asked for validation of the accounting but received a template response. 

This account ( & all of my credit accounts ) are PAID AS AGREED. 

Please help my correct this issue as it is the only negative mark on my credit report & I was not given any way to find remedy. 

To date ( XXXX/XXXX/23 ) I continue to have issues with the DISCOVER app as my login information returns server errors & the autopay STILL does not work, after 3 calls to set it up.
Product: Debt collection

Doctors Business Bur/XXXX XXXX XXXX XXXX have posted 13 accounts of {$30.00} each in my credit report dating back to 2014. I have sent pay to delete letters offering to make payment arrangements with the agreement that the account be 'Totally Removed ' from all credit reporting agencies. In other words, I asked that they do not simply show as Paid, but instead completely removed. The company has not responded. A sample of the letter has been attached. 

BTW, I never understood why the accounts existed. {$30.00} is what my copay was in every visit and in every visit I paid it in full. So I don't understand the charges and was never explained why I was double charged. I have XXXX as a medical provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was over paid SSA benefits and my wages have been garnished for a year and 5months. 
Debt amount was XXXX. SSA has taken approximately XXXX from my wages. Unfortunately Experian is reporting the balance as XXXX which is not correct. I have filed a complaint with Experian, have not gotten anywhere. I have been calling SSA daily and am told they are unable to help me.

An agent at SSA thought payments were sitting at payment center and not being processed. 
I am out XXXX dollars from my paycheck and still being reported as nonpayment and a collection. Please help I am not sure how to get situation resolved. Thank you
Product: Credit reporting or other personal consumer reports

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


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


I demand the late payment 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. 


XXXX EXPERIAN 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 XXXX 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, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) re

quire the 3 credit bureaus to confirm these items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I've provided multiple documents to the claims services at Bank of America and make the claim was closed and reopened four times. I don't feel like a valued customer at all and I'm getting nothing but the run around when it comes to my claim. I spoke to my family members about the situation, and I'm reconsidering my relationship with this bank. Very disappointed with how this claim was handled.
Product: Debt collection

L.J Ross Associates so a few months this company have been harassing me making phone calls to me {$6300.00} the collection have been reported past due. I donot know this company this company do not have a contract with me or anything I signed with them. I have never done business with this company,.
Product: Mortgage

Discover is requiring me to have my husband also apply for the home loan even though I own the home, can afford the loan, and we have waived community property. 

I thought this requirment violates of the Equal Credit Opportunity Act of 1974. As I understood this, this is a vioation of rights and Discover is descriminating against people for marital status.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts on my credit report tonight, and Im completely at a loss as to why theyre there. I routinely check my credit report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, hoping it was just a glitch, but the inaccuracies remained. Given this situation, Im requesting a thorough review of the documents Ive submitted so I can stop worrying about this in the future.
Product: Debt collection

On XX/XX/XXXX I have a new collection show up on my credit report from XXXX XXXX XXXX for a city of XXXX XXXX. I have not lived in XXXX Texas since XXXX and had to clear all of these services before exiting the XXXX in XXXX. I report this info to all three credit Bureaus and to the collection company. While it was removed from two of the Credit bureaus TransUnion did not remove it and made no changes to my account.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an offer from Bank of America to earn {$10.00} bonus if I used the Mobile Banking App to pay a BofA Credit Card bill by XX/XX/XXXX. 
I called BofA and asked if I could pay the bill before XX/XX/XXXX and have the payment post past that date. I was assured I could do this. I then proceeded to process the bill in the BofA account. 
The {$10.00} credit didn't post for several weeks, and I called BofA numerous times, spoke with several people, XXXX, XXXX, XXXX, XXXX and many others. Each and every representative I spoke with assured me that the {$10.00} will be issued, it just " takes time ''. I spent approximately 8 hours of phone time trying to get a {$10.00} issue resolved. 
After several months I contacted BofA by mail and received a reply that the {$10.00} will not be issued since they claim I never activated the account. This is a lie. I contacted XXXX XXXX legal firm to intervene in my behalf. 
BofA retaliated by placing a " charge off '' on my credit report, thereby severely decreasing my nearly perfect credit score of XXXX. 
I cancelled the card on XX/XX/XXXX, and paid off the balance. I held back the {$10.00}, plus {$25.00} for the time I had spent on the phone trying to get this issue resolved. 
I am asking BofA to zero out my account and remove the " charge off '' from credit reporting agencies.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transaction 's was unfeasible. The CFPB 's findings that indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX both XXXX and Transunion dropped my score by XXXX points. My utilization is around 25 %, it is usually lower, but we booked a trip to XXXX. Normally around 22 %. All my bills were paid on time, except one late payment because we were in XXXX for a small amount. It was promptly paid on our return. I feel their action on a XXXX point drop was excessive. I always had good credit, never defaulted on anything and paid my bills on time. In all the years my history shows on time and in good standing. I would like them to explain to me their reasoning. 

Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that there are unlawful late payments, XXXXollection Charge off being reported in my consumer report. TransUnioin has allowed the following companies to report this illegal act : XXXX # XXXX ( Collection Charge off ) XXXX # XXXX ( Late 30 Days ) The following law states what should be listed in consumer reports. 
Pursuant 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. 
( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for My rights as it relates to what is addressed on my consumer report are clearly outlined in the above paragraph. These rights are not being acknowledged by Transunion the consumer reporting agency that is reporting my consumer report. 

The following law states what should be excluded from consumer reports. 
Pursuant 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The aforementioned law states that my consumer report should exclude the following : transactions or experiences between myself and the person making the report. 
Credit transaction means a transaction between a natural person and a creditor in which real or personal property, services or money acquired on credit and the person 's obligation is payable in installment. 
Currently these very rights are being violated in the form of what is described as Late Payments, and Payment after charge off/collection. 
Pursuant 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I request that the accounts listed : XXXX # XXXX ( Collection Charge off ) XXXX # XXXX ( Late 30 Days ) *Be changed to a status of Paid as agreed or Okay. * You TranUnion have aided in the illegal reporting of late payments on my consumer report. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXXXX XXXXXXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company AVANTE XXXX is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, AVANTE XXXX   did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX XXXX : XX/XX/1994
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. " The below- noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX Equifax This letter is XXXX formal request to delete the inquiries listed here from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history! With that being said, the inquiries are violating the Fair Credit Reporting Act, Section 1681b ( c ). These need to be removed immediately!

Appreciatively, The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well Metro 2 -- it needs certified compliant. 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party XXXX be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.