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

My account with XXXX XXXX XXXXXXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX  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 me 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 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 XXXX days before the payment due date. 


XXXX XXXX XXXXXXXX - 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiry I obtain a copy of my credit report from TransUnion. It indicated that a credit inquiry was made by TransUnion Credit Bureau however, this inquiry was not authorized by me.I will list the inquiry that I did not authorized. 
XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-. XX/XX/XXXX Please have these inquiry removed from credit report, as it is having a negative effect on my loan application and acquisition of credit. 

Thank you for your prompt assistance.
Product: Credit card or prepaid card

XXXX XXXX, XXXX : a credit report was being pulled on the consumer, which notified the consumer of significant drop in their credit due to a 'late-payment ' on a credit card through Commenity Bank XXXX XXXX XXXX. 
XXXX XXXX, XXXX : XXXX XXXX was called, and consumer was directed to Commenity Bank XXXX XXXX, XXXX : Commenity Bank was called on the phone several times in an attempt to speak to someone who might help, but no progress was made. Consumer was directed to file a dispute, which would only continue to show up on the consumer 's credit report having a negative impact. The consumer believes they should not be punished for an issue they were unaware of. 

Details of the issue : Comenity Bank filed a payment as over 30-days past due to credit reporting agencies, after absolutely zero attempts were made to contact the credit card holder. The credit card holder has made nothing but on-time payments to this agency, and in fact, autopayments were applied to this account to ensure no payments were made late. This credit card was actually paid off in full in the fall of 2020, bringing the account balance to {$0.00}, but when the consumer made a purchase at the end of 2020 his autopayments were not resumed for some reason, therefore leading to this late-payment. Again, to be clear, absolutely no attempt was made to contact the credit card holder about the delinquent payment, leaving the consumer completely unaware of this issue since the consumer believed autopayments were being withdrawn from their bank account ( as this was the preferred setting on this account ). This consumer WAS in midst of making a home purchase, and this negative issue has completely halted this process for said consumer and their family due to the negative impact made to their credit report over a {$75.00} charge. This consumer asks Commenity Bank to please kindly consider removing this negative report made to their credit, as the consumer was never contacted by email, phone, or mail to made aware the issue even existed until the credit report was pulled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX have violated my rights. 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: Checking or savings account

I have been a Cash App user since XXXX. In XXXX, I utilized their tax filing service to submit my federal tax return. Subsequent to utilizing Cash App 's tax filing service, I have encountered a series of detrimental and potentially discriminatory actions that may violate the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). These actions include : Frequent and unjustified account restrictions have severely limited my ability to access and utilize my funds. These actions may constitute a violation of my rights under the FCRA, specifically 15 U.S.C. 1681n, which prohibits the furnishing of inaccurate or incomplete information to consumer reporting agencies. This XXXX also be relevant to the recent CFPB lawsuit against Cash App, which alleges, among other things, that the company engaged in unfair or deceptive acts or practices in violation of the Consumer Financial Protection Act of XXXX. 

Repeated denials of eligibility for a Cash App debit card may be based on inaccurate or incomplete information, potentially violating 15 U.S.C. 1681i, which requires that consumer reports be accurate, complete, and timely. This may also be indicative of discriminatory practices in violation of the Equal Credit Opportunity Act ( ECOA ), as the denials may be based on prohibited factors such as race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. 

Recurrent and unexplained account closures within XXXX hours of creation suggest arbitrary and potentially discriminatory actions, potentially violating the XXXX. These closures may also be based on inaccurate or incomplete information reported to consumer reporting agencies, further violating 15 U.S.C. 1681i of the FCRA.

These actions have caused me significant financial hardship and emotional distress. I believe Cash App 's conduct may constitute violations of the FCRA, ECOA, and other applicable laws.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$310.00} XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was with Td bank for 2 months whenever I switched to chase I asked them to transfer funds to my new checking account and close the old one they refused and keep on calling me.
Product: Debt collection

I got a collection letter from Convergent Outsourcing about a loan from XXXXXXXX XXXX I have never had a relationship with them or ordered anything with this company. I have been a victim of identity theft and many accounts have popped up that are not mine. This is one of them.
Product: Debt collection

Specialized Loan Servicing is threatening foreclosure on my property and saying that I need to sell and pay them {$42000.00} in late fees. The original loan was discharged in bankruptcy over 10 years ago and was for {$37000.00}. They repurchased the debt and put a lien on the property for the second mortgage. Last year in 2018 when I called and asked them about the letters that they were sending they told me " You don't have to do anything, and that when I sell the property whether it be in 1 year or 10 years the debt of {$37000.00} would be paid off at closing ''. Now a year later, because there is equity in the property they are threatening foreclosure and saying that with penalties I owe them over {$95000.00}. I am trying to work with them and set up a payment plan for the original loan because I am wanting to stay in my primary residence. With the help of legal advice and HUD we are asking them to give an itemized detail of why the late charges are more than the original loan. Also, have a copy of the original HELOC contract and no reference of late fee charges are listed. Again, I am willing to set up a payment plan with them so I can keep my primary residence.
Product: Credit reporting

I have a student loan serviced through XXXX XXXX XXXX. The High Credit is reporting incorrectly. My balance is {$720000.00} and my High Credit should be equal to that as this is the amount I was approved for. Instead my High Credit is listed on my credit report for this account as {$590000.00}. It is causing a significant decline in my credit score because it looks as though I owe more than I was approved for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute and Notice of Negligence under 15 U.S.C. 1681o ( Fair Credit Reporting Act ) To Whom this may concern, I am writing to formally dispute inaccurate information on my credit report and to address your organization 's negligent failure to comply with the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681o. 
Upon reviewing my credit report dated XX/XX/XXXX, I identified the following inaccurate information : That of the following disputed accounts or items that are not on this list of things that are mine, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my only address is the one stated at the top of this letter, my phone numbers are XXXX and XXXX these items are mine everything else should have not been still on my credit reporting. 

Under the FCRA, you are required to ensure the accuracy of credit information and conduct a reasonable investigation when disputes are submitted. Your organization 's failure to maintain accurate records and investigate my previous dispute ( s ) has resulted in financial and reputational harm, including not being able to build a business, out of pocket spending back and forth to mail off the disputes, also such as loan denials, increased interest rates, emotional distress and more. 

As stipulated by 15 U.S.C. 1681o, you may be held civilly liable for negligent non-compliance with the FCRA. Therefore, I am requesting the following immediate actions : Correction/Deletion : Remove or correct the disputed information from my credit report. 
Written Confirmation : Provide confirmation of the correction and an updated credit report. 
Compensation : Address any damages caused by your negligence, as permitted by law. 

Please treat this matter as urgent and provide a written response within 30 days of date above in compliance with FCRA guidelines. Failure to respond adequately will compel me to pursue legal remedies to protect my rights. 
I have attached copies of my ssn and utility bill for your review. 
Thank you for your immediate attention to this critical matter. 

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

XXXX XXXX is reporting that my Auto Loan for a XXXX XXXX XXXX was late in the months of XXXX, XXXX, and XXXX of 2017. I have disputed this multiple times and this inaccurate information still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Note to Experian : You have my authorization to conduct an investigation into my complaint. My name is XXXX XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. THERE IS NO UNAUTHORIZED THIRD PARTY INVOLVED WITH THIS COMPLAINT. 

This is my second attempt trying to resolve this matter through the CFPB. 

Accounts showing erroneous reporting patterns and unverified within FCRA guidelines. XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX. 

On XX/XX/2021, Experian Information Solutions responded to my CFPB complaint with illogical, erroneous and incoherent account activity. I have attached a copy of such FCRA noncompliant account history to this CFPB complaint 2. On XX/XX/2021, I sent Experian Information Solutions a copy of such noncompliant FCRA reporting errors which I specifically pointed out the gaps in reporting activity or lack thereof. I also pointed out in clearly defined terms of the inability of Experian Information Solutions to provide me with clear proof that they have conducted a thorough investigation into the validity of these three accounts. Such documentation was received by Experian Information Solutions on XX/XX/2021. 3. Experian Information Solutions responded to my dispute on XX/XX/2021 and by sending me virtually no changes to the reporting of these accounts nor did they follow FCRA guidelines and delete these accounts. 4. I have attached proof of these reporting errors along with USPS receivable documentation. Experian Information Solutions has blatantly disregarded FCRA law multiple times by continuing to report these damaging and erroneous payment activity ; such that is ruining my credibility and ability to attain financial products. Please urge them to follow the law and delete these items from my credit profile.
Product: Checking or savings account

On XX/XX/XXXX I called Citi Bank and revoked authorization for XXXX XXXX to charge my account. The following attempts were made on my account from XXXX XXXX after I called the bank. XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I called Citi Bank again on XX/XX/XXXX after I noticed they charged me a {$34.00} fee for each attempt. I was told on XX/XX/XXXX they would freeze out the company. on XX/XX/XXXX the company tried hitting my account again. I called and was told they could see if the could refund XXXX overdraft. I filed a complaint with Citi on XX/XX/XXXX about the fees. However after MULTIPLE request to revoke authorization Citi Bank continued to let them hit my account repeatedly and charge me. I have been charged over {$400.00} in fees after I requested authorization revocation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed without full account number and the misspelling of my name. I have contacted both the credit bureau and the reporting companies and sent copy of drivers license and social security card. Letter sent back to me stating investigation complete and remains on my credit report. Companies listed is JC Penny and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my credit report, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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.

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX, California XXXX Subject : Debt Validation Request for Account # [ XXXX ] Dear Sir/Madam, I am writing regarding an alleged debt you claim I owe, associated with the account referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt to ensure its accuracy and legitimacy.

Please provide me with the following information : 1. Validation of Debt : The total amount of the debt, including a detailed breakdown of all fees, interest, and charges.

The name of the original creditor and their contact information.

A copy of the original agreement or contract that establishes my obligation to pay the alleged debt. 
XXXX. Proof of Ownership : Documentation showing that XXXX XXXX, XXXX has been assigned or legally owns the debt. 
A chain of custody or proof of transfer of ownership from XXXX XXXX XXXX XXXX to your company. 
3. Verification of My Responsibility : Documentation proving that I am the individual responsible for this alleged debt.

This letter is not a refusal to pay but a request for validation. Please note that under the FDCPA, you are required to cease all collection activities until the requested information has been provided. Additionally, I request that you refrain from reporting this alleged debt to any credit reporting agencies while it remains unvalidated.

Failure to provide the requested documentation will result in me disputing the debt and filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant agencies.

I expect your timely response to this request, as required by law, within 30 days of receipt of this letter. Thank you for your attention to this matter. 

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

I have been trying to resolve a i.d theft issue with all 3 bureaus over the past few months! They have been no help and i feel that putting them under this microscope of government surveillance will force them to abide by the laws. Transunion, XXXX, and XXXX have been willfully disobeying Credit Laws. In XXXX, my purse was taken outside of my car, i left my car door open unfortunately with my purse inside while i ran into my job to get some tools. I came back and purse was gone, it contained my i.d, social card, insurance card, and etc. I was not to concerned at that time as i ordered new cards and such but the fact that down the line it's been fraudulent activity in my name because of it, has me unsettled and lost in a credit mess. So i was told by staffmembers at all 3 credit agencies i needed to get a i.d theft affidavit or police report to validate the i.d theft occurrence in which i did. Sent that along the necessary items they asked of me to complete the package, still the credit agencies have not blocked all the fraud accounts listed on my FTC report and listed on the attached sheet ... FCRA 605 ( BLOCK ). provided in this section on, a consumer reporting agency must block the reporting of any information on in the le of a consumer that the consumer identies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF This credit I.D theft law is what they have been willfully denying as to what is required of them for the steps of processing the investigation. These fraud accounts should not have remained on my account. I also have sent the same documents to all 3 creditors involved in the opening of accounts in question : XXXX XXXX, XXXX XXXX, and XXXX XXXX, whom in which have all responded fairly quickly with their own investigated results, in conclusion that these accounts in their database were undoubtedly fraud or inaccurate in relation to my identity. Each creditor has mailed me through dispute correspondence ( see attachments ) i then sent the Letters directly to each credit bureau who have still, not done a thing to my credit report. They've sent me credit reports saying the accounts have been verified? HOW! WHERE! These credit agencies did not send me the entire necessary proof of " VERIFICATION '' OR " VALIDATION '' under 809 ( a ) ( b ) in regards to these accounts. Especially since the creditors each have reached out to me ruling in my favor agreeing the accounts are fraud! THIS IS MADNESS! I NEED HELP, I AM DEALING WITH XXXX PRODUCERS PERFORMING UNFAIR BUSINESS PRACTICES TO CONSUMERS LIKE MYSELF.