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

My account with 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 in 60 days 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.

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 XXXX
Product: Credit reporting or other personal consumer reports

" In light of recent investigations brought upon XXXX, I find that my consumer file is XXXX, XXXX irresponsibly tampered with. Over the past XXXX XXXX | have made several attempts to remind you of your duty pursuant 15 USC 1681 . It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this call as another attempt to have these errors corrected on my consumer report. 15 USC 1681 ( A.5 ) says that after the reinvestigations. all of the unverified information must promptly be removed. You can see XXXX vour system that this account was previously disputed without being thoroughly investigated Thisikayloader not be vaifelor validated. ''
Product: Debt collection

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX XXXX XXXX, XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Student loan

I had went to pay my student loans today and when I looked at the statement I had noticed that my payment had doubled. I had expected an increase in payment as our income had become higher, but the amount is more than I can afford. I had reached out to Nelnet and they advised me that they could not lower my payment amount because my wife has a forbearance on her account, which is no longer true. I had tried several times to get this payment lower to an affordable amount and found nothing from Nelnet but a lack of honestly and professionalism. I have paid my bills on time and asked that they kept them below {$300.00}, and they would not assist me. This is after I had a conversation earlier this morning and was told that it would be {$280.00}. I believe that they are predatory and dishonest and would like to transfer to another servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX acct # - XXXX US Dept Ed acct # - XXXX US Dept Ed acct XXXX - XXXX US Dept Ed acct XXXX XXXX XXXX XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX Acct- XXXX XXXX XXXX Acct- XXXX XXXX XXXX XXXX Acct- XXXX XXXX XXXX XXXX XXXX Acct.- XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

I had an account with Bank of America for twelve years I had paid over {$1500.00} Every year for overdraft fees. There was one year they had really taken advantage of my weekly paychecks and I paid over {$3600.00} because my purchases would be manipulated. Every purchased I made I would check on my account if they went through before making another one. I would go back to check again and the same purchase that had already been processed was rearranged so I would get hit with overdraft fees. Plus when I worked for XXXX and XXXX I would ask exactly when the checks would be in my account they told me days prior to when Bank of America claimed I did. BOA got my deposits they just wouldnt let it be available to me until days after receiving it. I have had check payments missing and no one has any answers for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX has 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Reporting a debt not on my consumer credit report without my written consent. Illegally sold my personal information to a debt collector without my written consent.
Product: Debt collection

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I wrote a dispute letter to Equifax with a colored copy of my id and social security card and copy of my lease on XX/XX/year> Asking them to investigate some things on my credit report that are inaccurate not only did Equifax not investigate they didnt send me any information about the investigation no contracts or purchase agreement no nothing I know they have been going through legal issues about improper investigations I know they are doing it to me it has been thirty days and still nothing from them on investigation copies
Product: Debt collection

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

When disputed with the credit bureaus all Midland Credit did was report the balance increase by {$1.00} and it was never properly verified. 

I have requested the proof of debt three times and have not received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX year old  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted " THE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Payday loan, title loan, or personal loan

I recently was offered a product by paypal a line of credit which isnt a line of credit. The line of credit is only advanced when paypal feels it should be
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX  XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so. 

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For XXXX 1. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
2. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of certain information in my file, as listed below. Unfortunately, I have fallen victim to identity theft and did not make these transactions. As a result, I am seeking to correct my credit report to reflect the accurate information. 
I have reported this incident to the Federal Trade Commission and have attached a copy of the XXXX XXXX XXXX provided by the FTC. I kindly request that you delete these items from my file as soon as possible to ensure the accuracy of my credit report. 
Please expedite this request, as I am eager to rectify this situation and protect my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU DID NOT VERIFY MY BANKRUPTCY AS REQUESED PLEASE FOLLOW THE FCRA AS PER THE LAW. PLEASE READ THE RULES AND FOLLOW THEM AS REQUIRED BY LAW. 

Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification. I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. Part 6 & 7 : Section 611. Procedure 1 ) The person you spoke with at the bankruptcy court 2 ) Provided me a complete copy of all the information that was transmitted to the data furnishers as part of the investigation as is required by FCRA : 3 ) Who did you speak with? 4 ) What was the date of your inquiry? 5 ) How long was the conversation? 6 ) What was the position of the individual you spoke with? 7 ) What number did you call? 8 ) What is the name of your employee or their I.D . number of the person that spoke with directly? 9 ) What number did your employee call? 10 ) What is the position of your employee that spoke to the at the Bankruptcy court? XXXX did not follow the law, the Fair Credit Reporting Act section Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through as listed above to include all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. It not delete the Bankruptcy from my credit report.
Product: Credit card

I have received a response that my complaint will not be upheld but that is ridiculous due to the errors. 
I have NOT challenged the fraud payment, I am challenging the service I have received. 
When I spoke to an agent I was told I did not owe money to now, a year later, to be told I do! 
Even though I believe I should not pay it due to agent error I will pay the original amount but not the fees and interest. 
I have not received correspondence and have made many calls about this and the service is unacceptable, I just want to get this sorted! 
XXXX the complaint handler could call me as this could get resolved but I have not EVER heard from her! 
Please can we get this resolved, this is getting beyond ridiculous. 
I run a complaints department and my team would not treat a customer like this,
Product: Credit reporting or other personal consumer reports

XXXX Fair Credit Reporting Act ( FCRA ) is codified in 15 U.S.C. 1681 et seq. The FCRA is a law that regulates access to consumer credit reports and protects the privacy and accuracy of personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have knowledge of these inquiries
Product: Credit card or prepaid card

The business of XXXX XXXX ( XXXX ) closed, I believe on XXXX, before processing all the returns in their warehouse. On approx XXXX I received clothing which I tried-on. I kept 3 & returned 9. The returned totaled approx. {$300.00}. I placed my order before the final sale however the paperwork in this box said " final sale '' on every item. on XXXX I called/spoke to XXXX supervisor before returning items due to this issue. I was told XXXX would accept all back, as I ordered before final sale. He gave me a mailing label by email & a Code XXXX to write on Return Form for 4 items going in a separate box. The 5 remaining going back in original box " would go & clear as was, -no need for special handling. No charges for any of these would be on card. '' I mailed on XXXX & tracked these two boxes arriving on XXXX. I called XXXX numerous times. three times I received back order items so old I had not remembered ordering. I could not send them back ... Phone always ringing- no answer. The message was something like " Covid-19 was causing delays a & they were unable to accept calls at this time ''. Then it started saying something like " taking no calls '' Then " soon to close ''. My bill on XXXX said {$500.00} Typically I pay full balances but this situation I paid {$200.00} on XXXX. My balance on card now shows {$390.00}. On approx XXXX I spoke with legal council. Was told write letter to credit card & do not pay anymore until things are worked out. Letter was sent approx XXXX copies sent to legal council, Comenity Bank XXXX XXXX , & their Customer Service XXXX XXXX , XXXX XXXX XXXX XXXX pending Attn to information, and now you as well.
Product: Debt collection

Home Depot wrote off my debt of {$3600.00} more than 8 years ago, this company XXXX XXXX XXXX bought the debt for pennies on the dollar, they have been calling me numerous times, sometimes before XXXX. They want to collect this debt. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is not good for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching out regarding the measures that are calculated to factor consumer credit reports and scores. I don't understand how I can use my credit card today within 72 hours charges appear on my credit reports. In the same instance if I make a payment or pay down my credit card balances significantly, it's not reported until after 4 or 5 days past the billing cycle.

How is it possible to have a system that is so flawed that it penalizes every consumer that utilizes their credit limits instantly. If the same consumer pays down their balance the information isn't reported until almost a month later! 

What is the system designed to penalize Americans rather than strengthen the economy by reporting true and accurate information. It makes no sense to have as many different scoring modules when attempted to utilize your credit worthiness. Shame on these companies that you operate credit worthiness in this manner while in the same breath you sell information to companies without permission. This greed in XXXX is ridiculous and as a consumer I am sick and tired of it!!!