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

Sent complaint to XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. { XXXX } XXXX notified me of a late credit card payment in the amount of {$230.00} from Citi Bank Credit card # XXXX closed that account last month, { XXXX 2023 } Citi card did not honor a 15USC 1666i that I invoked on XXXX. I am in compliance with all of 15USC1666i 's conditions to make Citi Bank pay this charge of the products including the interest amount. The total is {$230.00} as of today. Citi bank has never acknowledged this fact even after many letters sent certified mail that they received my letters, and they are responsible for the amounts in question. I do not owe Citi this money now. XXXX never verified this late payment information before posting this big untruth. All the credit card reporting agencies have lowered my credit reporting number by XXXX points. This will be hurting my future, financially damaging it. { wife XXXX XXXX also. }. Please enforce Federal law as to protect my families ' Federal rights. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Maine XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 by way of Certified U.S. Mail XXXX XXXX I sent a letter to BMW advising of inaccurate information being reported about a leased vehicle account. Prior to reaching out to BMW, on XX/XX/22 I disputed the information with the credit bureaus advising that the information being reported was inaccurate and casing damage to my creditworthiness. Specifically, BMW is reported that my account has a " high credit limit '' of {$16000.00} -- this is not true and this number does not reflect any balance or limit associated with this account. Secondly, BMW reports that I owe a balance of {$3400.00} that is being paid off at $ XXXX. This information is totally inaccurate. I do not owe a balance on the lease because I bought out the lease and I now own the car. I have never had a {$36.00} payment. The entire account as reported is inaccurate and BMW refuses to correct what is a clear and obvious error.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached!! I've previously submitted a CFPB complaint on the credit reporting agency for reporting fraudulent transactions on my credit report although I've attached a copy of Identity Theft Report. These items need to be removed from my credit profile promptly!
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 XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Debt collection

I became aware of this debt on XX/XX/XXXX upon receiving my paycheck and discovering a garnishment for 15 % of my wages, I received no notice or communication from Better Day Loan about this matter. On XX/XX/XXXX, I contacted the phone number provided to me by my employers payroll processing company XXXX, the phone number is for a collection agency called XXXX, when I told them I had no knowledge of this debt, they referred me back to Better Day, I contacted Better Day 5 times, Better Day referred me back to APEX and APEX said that they don't have my contract and that I need to get that from Better Day, I again contacted Better Day and requested a copy of the contract, I received an email this morning from their finance department from someone named XXXX, stating the contract was attached, the contract was not attached. I again contacted Better Day 's finance department and was told that they could not discuss the matter with me and I needed to contact Apex, upon contacting XXXX, I'm punted back to Better Day. I have emailed Better Day customer service and asked them to revoke what ever permission they claim to have against my wages to no avail. I need this to cease immediately, I have no knowledge or information about this debt and Better Day and XXXX are playing games.
Product: Credit reporting or other personal consumer reports

I reporting that Bridgecrest credit has report inaccurate information on my report the last date of activity marked is XXXX the date open is XXXX I would like this remove from my consumer report right now due to false information and inaccurate information from all credit reporting agencies
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX  XXXX XXXX account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Credit card or prepaid card

I was notified in XXXX that Capitol One would be taking over my account with XXXX XXXX. I dont like Capitol One. On XX/XX/XXXX XXXX took out their automatic payment of 82 dollars. That left a balance of {$2500.00}. I went to my bank in the XXXX and had them payoff the balance in full. That was sent right out by the XXXX and the account was closed. Everything was on time and in the correct billing cycle. This week I received a bill from Capitol One for {$88.00} due XX/XX/XXXX. I calmed them and they said interest is still accruing and I owe them {$61.00}. I told them I closed the account they said no I could not close the account and even though there are no purchases interest is still accruing and I cant close the account. What?? I owe them nothing. Account was paid in full and closed.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX Mortgage Account Dear CFPB, I am writing to formally dispute the accuracy of late payments reported on my XXXX mortgage account on my credit report. I previously submitted a dispute regarding these discrepancies, but despite this, the reported errors remain unchanged. In light of this, I am requesting that TransUnion conduct a thorough re-investigation into the inaccuracies detailed below. Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), I request a detailed description of the investigation process followed by your agency within XXXX  days of receiving this dispute. 
Summary of Discrepancies The XXXX mortgage account displays significant inconsistencies in late payment reporting across the bureaus : XXXX and TransUnion report late payments in XXXX and XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX. 
XXXX shows only XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Acts requirement for accuracy in reporting. I request that you thoroughly investigate these discrepancies and correct the account status to reflect Paid As Agreed Never Late accurately.

Request for Documentation Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process conducted by your agency in response to my dispute. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding my account that solely pertains to my experience and payment history be reviewed for accuracy. I ask that this investigation be conducted within the legally mandated timeframe of XXXX  days and that the results be provided to me in writing. 
Furthermore, if you can not provide evidence to substantiate the late payments, I demand that the account be updated to reflect its accurate status as Paid As Agreed Never Late. In the absence of valid proof, I expect immediate correction of my credit report to reflect my timely payments, which is my right under the FCRA. 
Reference to XXXX ( Paid As Agreed Never Late ) The account history should reflect Paid As Agreed Never Late to ensure that my credit report accurately represents my financial responsibility. My records indicate that I have upheld all payment obligations without delay. 
Thank you for your attention to this matter. I look forward to a prompt and accurate resolution in alignment with the standards set forth by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed/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.

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!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Bureau has failed to fulfill its legal obligation under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience with XXXX, XXXX, and TransUnion where these bureaus has neither corrected nor removed disputed items despite evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, and the credit bureaus inaction violates federal law and my rights as a consumer. In addition, per USC 1681i ( a ) ( 7 ), I demand a description of the procedures utilized by the credit bureaus to investigate my disputes. All three agencies keep coming back saying they have verified my accounts with XXXX XXXX, when I have submitted documentation from XXXX XXXX showing they are not reporting the XXXX  account at all. In addition, I have submitted proof that the XXXX XXXX  XXXX does not report any information to any credit agency as well. I have even had the credit bureaus state they can not verify my identity. I am attaching identity verification to eliminate this excuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BALANCE ON MY XXXX XXXXXXXX CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXXXXXX CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX XXXX/ TOTAL VISA CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT.
Product: Credit card or prepaid card

The problem continues to exist after repeated attempts to explain I make the payment in the store and it is never recorded until several days later. Almost every time, the collections are calling when the payment has already been made. Then they try to explain that it does not update right away. We are requesting XXXX XXXX jewelry to stop reporting late payments and remove the 30 day late and acknowledge there is a delay in payment being processed!!! I further request proof of being late thirty days. I always make my payments in store several days after the XXXX of the month, but never 30 days after!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern Im writing this in hopes of some type of resolution and helping me move forward, Im this complaint because several things have stood out to me and in reading over my consumer report when comes the account mentioned below and in the attachments. Ive dried for several months to say you were reporting inaccurate information on my consumer report regarding XXXX XXXX XXXX and my dispute has been neglected to properly be investigated as several request to do so. Im looking how youre describing the account type for the alleged agreement is known as by its governing laws as credit sale. There is no loan agreement in place at all. No goods or money was loaned to me the alleged debtor. This is a violation of the FCRA to knowingly furnish or report false information. Also, according to the IRS, a canceled debt is ordinary income and income is not reported on a consumer report. Also, my account with XXXX showing an alleged auto loan has been accelerated and according to the laws that govern credit sale transactions. The payment should be obsolete and should be listed as {$0.00}. It also an violation to willfully furnish inaccurate and incorrect information a c consumer report. This information is misleading and a mischaracterization of this alleged account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy- ( 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, this a law not something the was interpreted in my own words and public knowledge and has been continued to be ignored because no proper investigation has ever been done. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. Ive lost wages at work and really been stressed with trying to find a transportation to get back and forth with work and picking kids and keeping my promise in custody agreement, this willful neglect and noncompliance of my consumer has caused more stress and anxiety that can be described. Im not only asking for thus account to be deleted from all my consumer reports but also damages from being denied several times and for proof Ive enclosed Exhibit A, B, C, to help further my complaint. You have 7 days to reply, or Im left no other option but to pursue litigation. PLEASE SEE ATTCHMENTS!!!!!!!!!
Product: Credit reporting or other personal consumer reports

Earlier today, I noticed some incorrect accounts on my credit report, and I have no explanation for their presence. I check my report regularly, but this time, I found unexpected discrepancies. Hoping it was a minor technical issue, I refreshed my browser, but the errors remained. Because of this, I kindly ask for a thorough examination of the documents Ive submitted to resolve the issue once and for all.
Product: Debt collection

Select Portfolio Servicing , Inc. ( SPS ) has contacted a XXXX party Realtor about selling my home. I attach my Declaration and ask that you investigate FDCPA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am writing this complaint against a collection company by the name of United Collection Bureau located at XXXX XXXX XXXX, XXXX, OH, XXXX, and for violating my HIPPA Rights. I recently sent the company a debt validation letter and in return they sent me a list of my private medical records on XX/XX/XXXX, which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I received treatment from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, MI, XXXX, on XX/XX/XXXX. I completed payments in full for my treatment on XX/XX/XXXX and was paid directly to XXXX XXXX XXXX in the amount of {$1100.00}. I also did not authorize XXXX XXXX XXXX to release my personal medical records to a third party company. I am extremely upset that my privacy has been violated and would like for this information to be deleted from my credit file on all Credit Bureaus.
Product: Mortgage

I received an offer from Wells Fargo to forgo 3 payments on my existing mortgage due to hardships of the pandemic. The offer stated that there would be NO negative impact on my loan or credit. I took advantage of the offer and now have forgone 2 payments. At the time I accepted the offer, we were in the process of selling our existing home to relocate due to health reasons. My home has sold, pending closing, and I applied to Wells Fargo for a new mortgage loan. Several days into the process, the loan XXXX, XXXX in the XXXX XXXX office, learned that since my loan is classified by Wells Fargo as being in " forbearance '' no new loans can be processed until 3 consecutive, on time payments have been made. 

I contacted Wells Fargos Private Mortgage Customer Service Center today ( XX/XX/2020 XXXX. I spoke with CS representative XXXX. After researching my issue, I was informed that Wells Fargo has no program to avoid their 3 payment rule. 

Now that my home has sold, without a mortgage, we will be homeless until I can secure a new loan. I consider this to be a breach of the offer that this program would have no impact on my loan or credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ftc Id Thirft Report submitted to remove fraudulent accounts that is reporting on Experian file # XXXX
Product: Credit reporting or other personal consumer reports

reviewing my consumer report I notice hard inquiries that I did not approve anyone to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

account : XXXX XXXXXXXX # XXXX account : XXXX XXXXXXXX # 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Was offered a {$250.00} statement credit if applying for Chase Freedom card. Only got {$150.00} bank says they cant find offer.. It appeared on their site when I was logging into my existing Chase accounts
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX, TransUnion, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX that I do not recognize.
Product: Debt collection

A mistake was made in XXXX systems and inaccurate information was sent to collections with out notifying me in the beginning of XX/XX/2018. On XX/XX/2018 the account was disputed and deleted from my credit and no longer shows up on my credit and XXXX admitted fault shortly after disputing and sent a letter indicating I had experienced fraud. Now XXXX is saying I owe the amount again since the collections company ERC ( Enhanced Recovery Co ) neglected fixing the account and when contacting ERC they state that the account was disputed twice that it was never deleted. I sent in proof from XXXX showing the amount was disputed and deleted with the exact information that they were accusing me of to XXXX. The company instead ignored the information I submitted and sent false information to the XXXX  as well as the Attorney General saying that I am liar and they are correct when I have more than enough proof about everything but I have no one to submit it and they take the word of the company over mine all because ERC never fixed the account since its not even on my credit and it was disputed back in XX/XX/2018 as inaccurate and XXXX admitting fault as well. ERC tried getting me to pay half for an amount that is because of fraud. My credit was damaged and XXXX had to run my credit again and followed my account and will not fix the issue because ERC and XXXX are negligent even with proof and are trying to scam me into paying a balance that isnt mine or on my credit. Is there no way to show my validation instead of just taking what the company claims making me waste hours out of my day and making me go in circles.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  profile is updated with showing my current credit utilization and recent payments for the month of XXXX, but Equifax and XXXX is not updating my two open accounts. The information is not changing and only staying the same. 

I am making payment and keeping my utilization low but XXXX and Equifax is failing at reporting my currents updates. They are not reporting or updating my profile like they should and how XXXX is.