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

Upon reviewing my consumer report I notice XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXXXXXX XXXX have furnished alleged late payments to the credit reporting agencies. 
The only way a creditor can treat a payment as late falls under XXXX XXXXXXXX XXXX XXXXXXXX - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 
For any creditor to treat a payment as late you must prove the following : XXXX ) Each Periodic statement ; and XXXX ) The information required under XXXX XXXX XXXX ( b ) of this title ; XXXX ) was mailed out or delivered ; XXXX ) XXXX  Days before the payment due date please provide the proof that this information was mailed out or delivered XXXX  days before the payment due date. 
XXXX XXXX XXXX ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! A creditor can not treat a payment as late without complying with this section of the law ( XXXX ) NEGATIVE INFORMATION ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section XXXX ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section XXXX ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. 
( B ) Time of notice ( i ) In general The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than XXXX  days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ) of this title. 
Prove the tracking number for the notice with the date time year stamp of when this negative information notice was sent out to me before this negative information was furnished to the consumer reporting agency!
Product: Credit reporting or other personal consumer reports

* Account Number : XXXX Account name : XXXX XXXX Complaint Details : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, the charge-off listed under [ XXXX XXXX XXXX is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : 1. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth.

2. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification.

3. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute. 


I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report. 

Action Requested : * Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.

* Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I paid this auto loan in full. The amount past due was {$580.00}. My XXXX was repossesed and I had to pay to get it out. A debt collector, went to my employer and garnished my paycheck with my employer. The debt was paid again. Then Rubin & Rothman , LLC garnished my employer. I went to court, submitted an Order to Show cause and proved that the debt was paid twice. Rubin & Rothman , LLC would not drop the lawsuit and continues to garnish my paycheck and not report any paid amounts. This {$580.00} debt that is paid is now {$31000.00} for a XXXX XXXXXXXX XXXX that had multiple recalls and was not safe to drive. I had to junk the vehicle because the Anti Brake system was on recall and no one could fix it and it was so old, none of the XXXX Car Dealerships wanted to honor the recall and repair the mini van. 

I reported to the Marshall that this was fraudulent and I reported to the law form that this debt is paid in full and fraudulent. This is fraudulent and illegal.The original debt is only {$580.00} and I am being garnished for {$31000.00} for a vehicle that wasn't worth {$300.00} and I was putting my family and everyone on the road in danger when I drove this vehicle.
Product: Mortgage

I had been very ill and my boyfriend had been sick with XXXX twice. I was a month or so behind on my mortgage. I called my servicer Select Portfolio Servicing and they were very easy and helpful. They quickly offered a 6 month forbearance. This was in XX/XX/XXXX. I thankfully accepted and went about the business of trying to get our lives back together. My next payment was due XX/XX/XXXX. I called to make sure all I needed to do was send it in. I was greeted by a customer service representative that let me know the full amount of my 6 months forbearance was now due. Needless to say, I was shocked. 
I was expecting some kind of modification to add it back into the mortgage. It basically defeats the purpose to suddenly want it from me. I was told to file a XXXX and they would decide how I was going to pay it. So then began the documents request. Over and over. I sent them, their system acknowledged receipt but yet I get another missing documents letter. THEN I start getting letters that let me know that in the background of all this they are getting everything really to file for foreclosure and there wont be anything I can do about it if my documents arent in. Sounds like XXXX!! Amazingly, they also keep sending me letters tell me my house was discharged when I filed bankruptcy in XXXXAGAIN - I sent them the documentation that I had reaffirmed the mortgage at the time of bankruptcy. Somehow they cant process this information either. I feel Im not getting good customer service because they think I have no legal responsibility for the mortgage. Its much easier to take the house and sell it to someone with a legal interest. The problem with that is that I bought that unfinished lot on a mountain in XXXX. I put my home on it and raised my children there. Now because I was stupid enough to believe the mortgage servicer was actually helping me, Im losing my home of 35 years. Im XXXX, on a fixed income and have no where to go. How can these people just jump into my life like this?
Product: Debt collection

I have now have four medical debts that were once removed reappear on my XXXX credit report. When I disputed 1 of the 4 all which was from the same company AssetCare LLC were removed. The other three were not. This is my second credit report that AssetCare LLC has reappeared on. I was never sent any type of letter from AssetCare stating that they would be adding any debt to my credit report so I had no idea and I di not have a chance to ask them for proof of debt or to advise them that they are not licensed in my state as a collection agency before the debt was added to my credit report, I did advise XXXX that these were not my accounts and they were removed in the past. Also that in XX/XX/XXXX 2016 the accounts were under Capio Partners LLC and once I disputed, all were removed. Capio Partners LLC is just another name that is under AssetCare LLC.Then I also stated to in the latest dispute letter to XXXX that AssetCare LLC is not licensed in the state of Florida ( which is where i reside ) to be a collection agency. Also I asked for proof since AssertCare and XXXX states this is my account and was verified by AssetCare LLC. All I received back from to my request for proof from XXXX was that the accounts were verified and that I could file a report with CFPB. I tried calling and still get the same result. I have done everything I feel I can do and still have not had the proper resolution. I am attaching all the proof I have to show I disputed all the bills and the results that I received.
Product: Credit card or prepaid card

When I applied for the XXXX XXXX card ( used to be " XXXX  '' ) in XX/XX/XXXX, the welcome offer was XXXX XXXX points plus a free weekend night award after 1st card anniversary ( a similar offer attached ). I met the spend requirement in time and got XXXX  points, no issue, but after I paid for the annual fee in XX/XX/XXXX, I never receive the free night award ... Since then, several attempts have been made to confirm the welcome offer and claim that anniversary award, but I was told that AMEX can no longer retrieve any info about my welcome offer and can not confirm it ... After that, the only answer to me is to wait, wait and wait 4-6 weeks for investigation until now it's almost XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act Experian Reference # 's XXXX and XXXX has violated my rights.

15 U.SC. 1681 section 602 A, States : I have the right to privacy.

15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions.

I have disputed this information several times and I keep getting the same result Under the FCRA, section 609, I am requesting all information related to debts listed on my credit report. It states that I am entitled to all documents related to each item, including each original credit application and contract containing your signature. Experian refuses to provide that information.In addition to requesting information about items on my credit report, I am requesting that if they can not verify the information by locating the original contract or other documents necessary to validate the bankruptcies on my credit report, they must remove them immediately.

Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. I asked experian how do the verify the information and they stated with the courts.I called the courts and they stated they do not provide that information to any of the credit bureaus. The credit bureaus get that information from public records like lexis nexus. 

I will not accept another reinvestigation of the information Only deletion of the information
Product: Credit reporting or other personal consumer reports

pLEASE INVESTIAGE ENCLOSED FTC REPORT NOTICE SOME HARD INQUIRIES AND COLLECTION ACCOUNTS ON MY EQUIFAX REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Transunion, XXXX, XXXX  XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. Cable Bill? XXXX XXXX XXXX   Account # XXXX 2.Phone Bill? XXXX XXXX XXXX Account # XXXX 3.Medical Data XXXX XXXX XXXX XXXX , Account # XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX Social Security Number
Product: Debt collection

I visited the neurologist for a regular appointment. XXXX XXXX XXXX told me there was nothing wrong with me then said I had XXXX and sent me on my way ( he misdiagnosed me because other neurologist later determined I had small XXXX XXXX XXXX. My insurance company paid them everything that was owed per their agreement for this type of visit. They are charging a predatory consultation fee of {$500.00} because they said the appointment and services rendered took a long time. It was a standard appointment. This doctor is knowingly creating false bills as my insurance company has reached out several times to explain why he can not bill this per their agreement and he disregards their contractual terms.
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX XXXXXXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXXXXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

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

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Credit card refused to close an account and remove unauthorized charges in an amount of {$120.00}, after I called and reported those transactions as fraudulent. The company who was making charges breached contract and I ask credit card to stop payments which they failed to do. 
Customer service was very rude and refused to fix the issue. 
Worst customer service!!!
Product: Prepaid card

On XXXX XXXX, 2016 at about XXXX I was having breakfast with my son and his family. I got a text on my phone of a XXXX charge. I called netspend as soon as I saw the text because I hadnt authourized this charge. The rep I spoke with was nice she advised me there were 3 pending transaction adn asked me several time which of the 3 did i not authorize. I told her. At that time she stated she would be cancelling my card and sending me a new one. I asked this rep over 5 times if my new card would have the XXXX taken off it and she stated no that all the funds would be availabe once my new card came I explained to her that 2 of the charges were mine and i didnt want problems with those companies. again she stated dont worry im cancelling your card so it is a pending transaction and you will be fine. I told her my rent was due soon and I need to pay it. again she assured me and the restuarant ( i had my cell phone on speaker and was upset so everyone could hear my call ) i asked to have the card expedited and she said she would without a fee. Card arrives about 3 days later. XXXX is gone and XXXX expedited fee is gone. i contact netspend and was tld just the opposite of what i had been told by the rep who said since it was pending that it would not be taken. this rep said the mone was released to the merchant 2 days after my card was cancelled and now i have to file a dispute to get it back, i am so frustrated and all calls to the corp office are returned to me by robotic people who just talk from a script. I have seen that this apparently is a common practice of this company and something needs to be done. i have filed a complaint with XXXX but since they are so large no one seems to do anything to stop them, I need my maoney and now they told me that they would have an answer for me by XXXX on XXXX. i didnt authorize this charge. im told they have to make sure they go by the guidelines of regulation e. i need my mone im XXXX on a fixed income and have had to borrow to get thru the month due to this
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Trans Union are not responding to my requests to investigate, verify and remove accounts from my consumer credit report/file that do not belong to me in accordance with The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I requested investigation into several accounts and fraudulent credit inquiries on my credit profile. I was initially told via email that they received my request. I even called on XX/XX/year> and XX/XX/year> and the representative verified my information as well as verification that they received my documents. XX/XX/year> I received a letter in the mail stating that they were unable to locate a credit profile with my information ( name, dob, birthday, or SSN ).

This seems to be a stalling tactic instead of actually investigating the accounts and inquiries in question. It has been over 30 days with no resolution or real investigation done nor were any details provided of any investigation being completed.
Product: Credit reporting or other personal consumer reports

im not aware of any of these companies running my information
Product: Credit card or prepaid card

On XX/XX/XXXX of this year, I made a {$34.00} payment that they refused to acknowledge although it was cleared by my XXXX XXXX and not returned. On XX/XX/XXXX I had another {$34.00} payment with the same issue. On XX/XX/XXXX I made a payment of {$130.00} that they said they reversed due to insufficient funds, however the funds were there and I did not receive this money back. My payments were also originally set for the fourth of every month and they slowly rearranged the dates back until they were all on the XXXX of every month, after they learned my paydays were the first and the third. Also they charge me two payments every month. One of XXXX and one XXXX. Please get the money returned to my XXXX XXXX account. I will be closing the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX Re : Dispute of Erroneous Payment History on Charged Off Account To Whom It May Concern, I am writing to formally dispute a discrepancy I have identified in the " PAYMENT HISTORY '' section of my credit report, pertaining to the charged off account specified below : Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Upon reviewing my credit report, I have observed that this account continues to be reported with a payment history each month. This is incorrect, as the account has been charged off and should not exhibit an ongoing payment history. The inaccurate reporting of this account constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and may improperly impact the statute of limitations governing the account.

As a consumer, I am entitled to accurate and current information on my credit report in accordance with the FCRA and other relevant Consumer Protection Laws. Consequently, I hereby request that you promptly delete the erroneous information from my credit report and furnish me with an updated copy once the necessary corrections have been made. 
I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

found unauthorized hard inquires on credit repot multiple in one day and several more on other credit agencies mainly XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX account number XXXX Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute.