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

My account with EXPERIAN 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 XXXX 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 21 days before the payment due date. 


EXPERIAN 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! 


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

I, XXXX XXXX, the consumer, have contacted DISCOVER BANK on XX/XX/2022, by certified mail which they received XX/XX/2022. DISCOVER BANK, did not disclose to me as required by law that I had the right to opt out of my nonpublic personal information being disclosed to nonaffiliated third parties. DISCOVER BANK has continued to report to the credit reporting agencies after my notice and demand to stop sharing personal financial information with unaffiliated third parties. DISCOVER BANK is in violation of the Gramm-Leach Bliley Act and the Fair Credit Reporting Act these violations are listed : 15 U.S.C. 6801, 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), 15 U.S.C. 1681a ( 2 ) ( B )
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX  XXXX Account Number : XXXX / XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX / XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX NA 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 Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

In 2009 I moved from on post government housing to a new home and transferred my home phone to my new residence. A few months after I started receiving letters from XXXX stating I had a outstanding bill. I explained that my account is still active that I only transferred my line and my account was current. I did n't hear anything else from them reference my bill. About 6 months later I started receiving mail from MIDLAND FUNDING stating they were attempting to collect a debt. I informed them that I still have verizon services and current with my bill. The rep stated that they 're only trying to recover the debt. I asked not to contacted any more about the account and would deal with XXXX myself. I tried several times to get someone at XXXX to find this mysterious bill with no luck. In XX/XX/XXXX I deployed and came back to more letters from MIDLAND FUNDING trying to collect the debt. They said I owed over {$300.00} but was willing to let me settle for a little over {$200.00}. So I gave in and just paid them because I can not allow any negative hits or collection on my report due to the nature of my job. I just recently sat down with my financial planner and on my Experian credit report there is a collection on there from MIDLAND FUNDING which I paid the settlement amount in XX/XX/XXXX. I 'm really upset at the fact that I paid a bill that no one could give me information about. MIDLAND FUNDING is being held accountable for placing this on my report and it does n't reflect that I paid their settlement offer. I tried to do the right thing by contacting XXXX in regards to the debt but no one can answer or find my information. I would like for MIDLAND FUNDING to remove that collection from my report because I do n't believe it was owed and I paid the settlement almost 3 years ago. This is negatively affecting my credit score and can effect my job security. I appreciate any assistance you can provide me. 

RegardsXXXX XXXX XXXX XXXX
Product: Checking or savings account

Several months ago our joint checking account in Bank of America was compromised, Bank of America put a freeze on this account that ends in XXXX. 
There is a balance {$3000.00} in this account, I made an appointment in their XXXX, Ma. Branch office to transfer the funds from frozen account to new active account, the branch manager told me she cant do it, and I have to call their fraud department, XXXX. 
I have been calling this number for the last three days, every single day I am on hold for almost an hour, I have other things to do besides listening to their music. 
Please help. 
Thank you
Product: Consumer Loan

Springleaf is reporting a loan on my credit report with inaccurate information. They are reporting a high credit of {$3700.00} on XXXX and XXXX while XXXX is reporting a high credit of {$4100.00}. 

How can a different amount be reported to each of the credit bureaus? 

Also the last reported date is different on all XXXX. 

XXXX for XXXX, XXXX for XXXX and XXXX for XXXX. 

So that means everytime I submitted a dispute to the credit bureaus, a real investigation was n't done and they would just verify the account. 

How can you verify an inaccurate account and not change the last reported date? 

The account number is XXXX
Product: Credit reporting or other personal consumer reports

This collection agency has furnished a medical record to my consumer report illegally without my authorization under XXXX. XXXX is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patients consent or knowledge Permitted Uses and Disclosures The law permits, but does not require, a covered entity to use and disclose XXXX, without an individuals authorization, for the following purposes or situations : Disclosure to the individual ( if the information is required for access or accounting of disclosures, the entity MUST disclose to the individual ) Treatment, payment, and XXXX operations Opportunity to agree or object to the disclosure of XXXX An entity can obtain informal permission by asking the individual outright, or by circumstances that clearly give the individual the opportunity to agree, acquiesce, or object Incident to an otherwise permitted use and disclosure Limited dataset for research, public health, or healthcare operations Public interest and benefit activitiesThe Privacy Rule permits use and disclosure of XXXX, without an individuals authorization or permission, for XXXX national priority purposes : When required by XXXX XXXX XXXX activities Victims of XXXX  or XXXX  or XXXX  XXXX Health oversight activities Judicial and administrative proceedings Law enforcement Functions ( such as identification ) concerning deceased persons XXXX XXXX XXXX, or XXXX donation Research, under certain conditions To prevent or lessen a serious threat to health or safety Essential government functions Workers compensation The reporting agency are not listed under the XXXX priorities listed above. This illegal reporting of my medical record has caused me to be denied for a mortgage loan damage my reputation, character, and livelihood.
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX AND XXXX ARE REPORTING AN ERROR, CLAIMING I WAS 30-DAYS LATE FOR THE XXXX PAYMENT. THIS IS NOT TRUE! PAYMENT WAS MADE ON XX/XX/year>. NOTE : IF PAYMENT WAS MADE ON THE XXXX, THIS DOES NOT MEAN THE PAYMENT IS XXXX LATE. LEGALLY HAVE UNTIL XXXX EST, ON THE XXXX OF EVERY MONTH BEFORE IT IS A 30-DAY LATE. THIS IS VIOLATING MY RIGHTS UNDER THE FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address to fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Hello, I was wondering if someone could contact me in order to offer me some advice or direction in my current situation. I am XXXX and live in XXXX County, Maryland and attended XXXX schools. 

I grew up with a single father with mental illness after my mother passed away when I was XXXX. Our family could not afford health insurance so my mother could not go to the hospital when she had a ruptured appendeix. Because of my father 's XXXX XXXX, he could not provide any support or advice in my life decisions. 

The reason I am sharing these personal details of my life is to paint a picture of what barriers I was facing at XXXX when I wanted to attend college. 

Coming from an affluent area in XXXX County, I knew what career success looked like. My parents never achieved this type of success so this naturally motivated me more to work hard to have a successful future. I learned at a early age that intelligent individuals are evenly dispersed among any population but unfortunately wealth is not. I was one of unlucky, XXXX children that was aware of this discrepancy ; possibly the worst of all scenerios. 

Because my dads lack of experience in this area, and his XXXX struggles, I was on my own in figuring out how to apply to, and finance college. Like any teenager with a question, I went online and typed in, " How do I pay for college. '' I clicked on the first advertisement I saw, and ended up taking out XXXX private loans from XXXX XXXX to finance my college at the University XXXX over XXXX years. I had never heard of FAFSA, I was not aware federal loans and their forgiveness programs, I did n't know what a grant was or how to find scholarship opportunities. 

You might question, " Why did n't you get this information from a high school counselor? '' The answer is simply, " I do n't know. '' I assume possibly fell through the cracks because I was a XXXX, XXXX student that looked like my affluent, well supported peers. My struggle of lack of educational support motivated me to dedicate my life to support student. I am now a XXXX myself. I feel no student should feel alone in their educational journey. 

I am now XXXX, and because of the high interest rates of XXXX XXXX loans, I am {$110000.00} in debt. Some of my loans have doubled in their initial amount due to interest since I have XXXX. I ca n't pay the monthly fees now, and I do n't know how I will ever pay this loan off without significant financial struggle in my life. 

I am asking for advice, assistance, references to help me in any way. Thank you for your time, listening to my story and I look forward to hearing back from someone soon.
Product: Debt collection

I am a victim of unfair debt collection practices. The company I.C. Systems, INC is knowingly furnishing false and misleading account information in my name to XXXX XXXX, XXXX, XXXX, and others. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts with XXXX XXXX, the account in question ( account # ending in XXXX ). The account is paid in full ( meaning I haven't made any charges on the account in over a year ) however each month there is a monthly servicing fee that is charged of {$7.00}. I missed the payment for XXXX due to everything that is going on with COVID and paid the balance on XX/XX/XXXX which was {$13.00}. 

I spoke with a young lady on the date I made the payment in full and asked her specifically would this report negatively on my credit report. She stated to me " No ma'am this will not report negatively on your credit report because you paid before the XXXX, our company doesn't report until the last day of the month '' I said thank you. 

Today XX/XX/XXXX, I receive an alert from Experian that this account was reported negatively to the credit bureau. I immediately contacted XXXX XXXX and spoke with XXXX, I asked her were their calls recorded and she stated yes. She went to tell me that I paid after the XXXX of the month, and that's the reason why my delinquency was reported, and when I advised her of what the previous agent said XXXX stated that " they normally report on the XXXX, but this month they reported to the credit bureau on the XXXX '' I then asked, could the previous agent not have seen this, and she stated " she didn't know why the previous agent didn't see it and gave me incorrect information '' I asked her could she remove it from my bureau and she stated I would have to dispute it with credit bureau or in writing to them. 

I was clearly given false information which lead me to believe that my payment would suffice and prevent any delinquency being reported to my XXXX. This company has violated UDAAP practices by giving false and misleading information and I would like for this derogatory information to be removed from my credit bureau immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This particular account is undoubtedly placed as a charged-off account. ( MACY'S/DSNB XXXX Opened Date XX/XX/2016 Balance {$0.00} ) The balance was already zero yet the account was still indicating as a charge off. There must be a payment history that shows a 120 past due for this account. You are reporting mistaken information on this account.
Product: Credit reporting or other personal consumer reports

The credit bureaus violate 15 USC 1681 by sharing and reporting my private information and that information is not validated and is wrong. I asked all 3 major bureaus with a certified letter to validate the XXXX  on my report and to do so within 30 days of receipt of the letter and they did not comply nor did they remove the inaccurate information. Here is exactly what I requested in the certified letter when I requested that they verify the accuracy of the XXXX found on my report : ( method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. Which document you obtained to verify the XXXX ). It was also requested that this information be removed if they could not validate it within 30 days. They have not given me the requested information nor have they removed the information. My information was leaked by these companies who should never have had access to, shared, or used incorrect information to gauge my credit worthiness. This is a HUGE violation of my rights.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$XXXX} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Fifth Third bank was charging my account for ID theft monitoring for my XXXX who was also on the account. On XX/XX/year> we notified the bank of her death, which was on XX/XX/year>. They continued to charge her {$7.00} PER MONTH for this service, even though we requested to stop an external services. The account was closed in XX/XX/year> upon settling her estate. The bank would not refund the fees for this service, and after several phone calls and visits to the branch, we continue to get the runaround. 

We simply want the {$63.00} in fees paid back so we can close this matter and move forward from grieving.
Product: Credit card or prepaid card

I tried to use the card 5 times, every one was declined and when I call they tell me that there is no reason for that to happen, the latest one was XX/XX/2022 at XXXX  for XXXX. And the topper is they processed my payment twice and have over XXXX dollars of my money I can not get to. 
Also I was locked out of my account, and when I called they could not figure out why. They can't seem to figure out much of anything, all I get is we are doing everything that we can.
Product: Debt collection

I have received multiple email from an individual by the name or XXXX XXXX from TrueAcord claiming that I owe a debt from XXXX  XXXXXXXX XXXX I have never had a credit card or any other debt to that company. It also states on the email that they can no longer sue based on the date of that debt. 

I believe its a scam because when I researched that company and its affiliated XXXX XXXX theres many people complaining that they are being contacted for debt that is not theirs. 

Their phone number is XXXX
Product: Checking or savings account

Well from my account with Cash App/Block inc located at ( Block Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ca XXXX ) i had Cash Outs transfers totaling {$760.00} they claim well actually they totalled {$780.00} that occurred on my account between XX/XX/2020 and XX/XX/XXXX, XXXX they were not authorized or anything by me I had not even noticed till my account was very short on funds for bills and took a very long look into why and noticed these transactions and they tell me that I authorized them when I don't even know anyone who lives in Michigan let alone going to tell me that I did it I am born and raised in New Jersey still live in jersey and been tryin to fight this for a while now I'm willing to go as far as filing charges and everything court and all like I live on ssi just became homeless recently like I don't understand how this gets closed cause they investigated this and says I did it like I showed papers and all that I had nothing to do with these transactions I'm disputing I'm like baffled with this all like where is justice and everything but I guess cause big Corp says it it has to be true God forbid small people open there mouth and voice injustice being done to them to where I end up losing {$760.00} like I'm supposed to just sit here and take it on the chin with a smile well I'm not going too I'm going to continue to fight for this wrong being done to me and voice it out to all who will hear me and help maybe I am so disappointed with this government and there non-helping ways to XXXX the little people over as long as the rich get richer maybe you would understand when it finally hits you like it did me
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Debt collection

XXXX  AND XXXX  AND XXXX  WERE REPORTED AS FRAUD AS SOON AS A ACCOUNT HIT MY FILE, MY PERSONAL INFORMATION IS BEING USED FOR RECEIVING THING LIKE CELL PHONES, TV, PERSONAL THINGS AND I HAVE A FRAUD ALERT ON MY FILE BUT CLEARLY IT DOESNT MATTER BECAUSEE THESE COMPANY OVER LOOK IT.
Product: Credit reporting or other personal consumer reports

To whom it may concern I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and did not open these accounts. Also, demand these inquiries be removed from my credit profile I didn't initiate any of them. I ask that these items be deleted to correct my credit report. Fraududlent accounts : XXXX XXXX  original creditor : ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. Fraudulent inquiries : 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