23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, the original creditor and consumer received a disrespectful debt collection letter from Gatestone & Co. International Inc. attempting to collect a supposed debt. The debt collection letter stated that Gatestone & Co. International Inc. is a debt collection company. With that being said, Gatestone & Co. International Inc. are subjected to follow the 15 USC Subchapter V-Debt Collection Practices by LAW. Gatestone & Co. International Inc. violated 6 laws multiple times within the Debt Collection Practices and are criminally and 15 USC 1692K civilly liable.
Product: Debt collection

XXXX, 2022 a charged off medical account was on my credit report from a company named Professional Credit Management. I contacted the company to question them about the account and they asked for my personal information then hung up in face when i declined to share that until they tell me who they were. I submitted disputes online to XXXX, XXXX, and XXXX. XXXX, deleted the account the next day. XXXX and XXXX said the debt was validated without doing ANY investigation. A few days later i received mail from Professional Credit Management and it was a detailed bill of a medical procedure i had years ago. They are in direct violation of HIPAA laws and violated my rights.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

I know from reading my credit report that you say I have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681 eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.

Not only is this illegal, this account is a fraudulent account that yall still have yet to remove from my credit report. I have submitted an FTC report along with proof of address and identity. This account must be removed from my credit report immediately or else my lawyer will seek litigation and compensation for each and every inaccuracy. 
Credit Card Account Charged Off : XXXX XXXX XXXX - Fraudulent Account Account Balance : {$3000.00}
Product: Credit reporting or other personal consumer reports

back in XXXX of XXXX  I requested and made a dispute but the company did not notify me on anything closed the dispute and said my information is invalid they are wrong XXXX and XXXX accepted the same documents so I do not understand what is going on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have included the account on the ftc report and olice report and still they report it as accurate
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my records, the payment in question was made on time. I have attached bank statements that confirm the payment was processed before the due date. 
Natural Disaster Impact : The account was affected by a natural disaster during the period in question, which should have been taken into consideration. Creditors are required under certain circumstances to provide hardship relief due to natural disasters, and this has not been reflected correctly in my credit report. 
Inconsistent Reporting : The account is reported differently across various credit bureaus. The inconsistencies between XXXX, XXXX, and Equifax in regard to the payment status and dates further indicate the presence of errors in the report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to transfer money out of my Venmo account to my bank account and was sent an email which stated my money would be available in my bank account the next day. Not even an hour later I received an additional email stating that I would not receive my XXXX that in fact they were freezing my account and I could not get MY OWN money. They said I violated some user agreement. Since Thursday the XXXX Ive been in contact with Venmo provided multiple ways of verifying my identity including my drivers license bank statements as well as my debit card information and yet they still refuse to give me access to my own money. They are holding my money XXXX. Ive repeatedly stated that I will never use Venmo again its horrible and disgusting and all I want is for my money to be transferred to my bank and then they can go ahead and deactivate my account. They are also refusing to do that as well.
Product: Credit card

Concora Credit wanted me to send my Driver 's license via mail or fax. I responded I did not feel comfortable as it is not a secure way of sending private information. The representative stated there was no other way to send the information more securely.
Product: Debt collection

I have previously reported Penn Credit Collection for attempting to collect a debt from the City of XXXX utility department in which Ive provided extensive documentation of emails and calls logs that not only prove my claims of not owing this debt but also contradict this companys claim that I have not been in contact with the City. Despite the provided evidence, Penn has stopped responding and the debt collection remains on my credit reports making it impossible for me obtain the funds I need for basic needs including a utility account.
Product: Credit card or prepaid card

I opened a Sam 's Club credit card. When I called to activate the card, I was told I was getting a {$100.00} Walmart gift card. I verified the card number, expiration date and code on the back as well as my mailing address. I was put on hold but got disconnected. The person called me back and verified my email address for confirmation purposes and I was put on hold again. I was on hold for 10 min. before I hung up. I called back the 2 numbers because it seemed very fishy at that point. When I called back I got a message that the numbers were not in service. I called the customer service number on the credit card and cancelled it after explaining what had happened. They indicated that they had no such promotion so it was obviously a scam. I don't know how the number got transferred but these are all the phone numbers involved. I called them back twice and got something different each time. I'd like this to be investigated so that others won't get fooled. 

Original activation # XXXX 1st " promotion '' # XXXX 2nd " promotion '' # XXXX
Product: Credit reporting or other personal consumer reports

I recently ordered my credit report to review, that's when I noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint, on the following dates ( XX/XX/2023 and XX/XX/2023 ). I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Consumer Loan

My lease was up on my Honda Accord. I took the car back to the dealership where I was told that I had thirty days to get an inspection and return it. On the tenth day I received a bill for a payment, lease extension and late fees, Called number on the bill and they said know the dealership has to take the car, XXXX, whom I spoke with said she would call the dealership so they would take it and take final bill to them. Now I keep getting bills and no one seems to know anything. Bill just keeps coming. Tried to file complaints at dealership and they said they do n't do that.
Product: Credit reporting or other personal consumer reports

This account was opened on XX/XX/XXXX. This account was reported closed on XX/XX/XXXX, which is inaccurate. After a recent review of this account today on XX/XX/XXXX, the account was updated. However the information is still incorrect because now the account reflects that reopened after being closed and is now reporting late payments. The account is reporting late payments on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of these reports are inaccurate because they are updates in payment history after the date in which the account was originally closed. Because this account is in a closed status and has been in closed status for over 2 years now. This account can't be reported late after previously being reported closed and charge off. 

This is an update in payment history after the account has been closed and charged off. I shouldn't have an active payment history on an account that has reportedly been closed and charged off. This inaccurate information falsely manipulates my creditworthiness, and it's hurting my ability to obtain credit. Experian and XXXX has failed to investigate this account properly after I have repeatedly asked to have the account updated correctly. This neglect has once again violated my consumer rights. I am again demanding the deletion of the following account : Account Name ; XXXXXXXX Account Number ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND  THE XXXX data breach and may have gotten into the wrong hands.
Product: Mortgage

The past 4 years I have appealed and waited for XXXX and have been able to save my home. Following a Fully Favorable decision being deemed XXXX XXXX XXXX my check arrived late XX/XX/XXXX. I was attempting to reinstate my loan in full starting XX/XX/XXXXand was told they had to request a reinstatement total. I had not received the total and called repeatedly. I was told my request would be " escalated '' which would produce the total in 24 hours which I was promised for close to 1 month. I spoke with numerous representatives and supervisors minimally 3 times per week only to be told they were stumped as to why the RQ was not available. On XX/XX/XXXX. I received notice a NOTICE OF DEFAULT that had been filed with the County Clerk and XX/XX/XXXX received my reinstatement quote dated XX/XX/XXXX with an additional fee for the filing of the Notice Of Default. There was no question I would be paying all past due money and feel delaying me 30 days with lies was unnecessary.

It is common knowledge what having a Notice of Default filed generates. People knocking on your door, mail with postcards claiming how to save your home, phone calls daily. It lasts for months and is humiliating. I do not feel it is fair if I was attempting to pay being held in limbo for a month to allow for these extra charges and the humiliation involved. I expressed my feelings to many representatives was told it would be best to pay the fees becoming current then contest the charges. I did just that and did not receive any response other than the acknowledgment of them receiving my grievance.

My Reinstatement Quote was good through XX/XX/XXXX yet I learned after paying the XX/XX/XXXXpayment had not been included and needed to be paid immediately.

In addition the following month within my payment was additional late fees and an escrow shortage ( a cushion ) which had raised my payment to {$1400.00}, an additional {$200.00} per month. I have attempted to resolve these issues yet have been told there is nothing that can be done. This resulted in an extra {$3500.00} total extra that I had n't planned for.

A reinstatement quote should be just that, all missed payments, late fees, ect. My escrow is not going to fluctuate as I have new homeowners insurance and my taxes are not expected to change. A cushion of {$700.00} is excessive and not warranted.

Please review my account and hopefully I can receive credit for fees paid and have my payment revert to the amount prior to the escrow cushion.

I actively have an application for Tax Postponement being reviewed for XX/XX/XXXXand XX/XX/XXXX which I meet guidelines and am expected to have granted.

I am currently being evaluated for a modification and hope my request for review will not affect the outcome as I should be able to have my account reviewed without fearing retaliation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized entries that have appeared on my credit report. As a victim of a data breach, my personal information was compromised, resulting in the inclusion of fraudulent accounts and inquiries on my credit file without my consent. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX o Case Number : XXXX o Date Filed : XX/XX/XXXX o Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX o Case Number : XXXX o Date Filed : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX o Date of XXXX : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing an item on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but this fraudulent item still remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt for XXXX XXXX was cancelled and reported to the IRS as income in XX/XX/XXXX. XXXX XXXX still reporting full amount delinquent. If debt has been cancelled and account closed they should not still be reporting full balance amount. I contacted XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX to inquire of this reporting and were advised they do n't have to stop reporting if the debt is cancelled but the amount they are reporting is incorrect for a cancelled debt. 

First Financial is reporting a balance of XXXX on my credit report and the XXXX was paid in full but they are refusing to remove the XXXX because I have another balance in their office of a lesser amount. I contacted First Financial on XX/XX/XXXX to  ask to remove the XXXX from credit report as it is what is reporting and was denied that request.
Product: Debt collection

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee XXXX percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not XXXX  % correct and I demand them to be REMOVED immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I received a collection letter from a law firm known as XXXX XXXX XXXX, XXXX, claiming that they were trying to collect on a debt for a debt buyer known as XXXX XXXX XXXX, XXXX. There are issues that need to be rectified as there is no consistency pertaining to debt ownership. The following is the criteria that must be established in order to validate a collectible debt against me : 1 ) At no time was I ever notified that an old debt was purchased by XXXX XXXX XXXX XXXX XXXX. 
2 ) The debt is so old that it no longer is posted on any of my credit reports, which means that at the very least the debt is over 7-years since it was last posted on a bureau update.

3 ) Any debt purchase in the Commonwealth of Massachusetts must show true copy ownership, as in this case XXXX XXXX XXXX  did no such transfer, nor was I ever given any such proof.

4 ) The debt information was acquired through a debt pooling information program electronically, and thus this collection is a fraudulent transaction, being procured for collection by a licensed law firm that should be investigated by the Massachusetts Department of Bar Overseers.

5 ) The law firm of XXXX XXXX XXXX, XXXX. need to cease and desist on these types of action, especially to a minority person such as myself, being 50 % XXXX and 50 % XXXX. I believe that I am being discriminated against and targeted. I recently had two similar actions dismissed in the civil courts in the Commonwealth of Massachusetts, and this collection is also illegal. 
6 ) This collection is illegal, and XXXX XXXX XXXX is in violation of my rights under the Fair Debt Collection Practices Act. 
7 ) My file must be purged and all personal information must be deleted, along with XXXX XXXX XXXX  recalling this debt information immediately. 
8 ) Any and all references to this account must be deleted on all credit bureaus. 
9 ) XXXX XXXX XXXX  must be investigated by all credit bureaus, and this activity on erroneous debt transfers must be terminated against minorities and consumers of the Commonwealth of Massachusetts permanently. 
XXXX XXXX XXXX XXXX XXXX has an enormous amount of complaints filed with the CFPB already. 
As of XX/XX/2019, the Consumer Financial Protection Bureau ( CFPB ) has received over 1,700 complaints related to the debt collection practices of XXXX XXXX XXXX XXXX XXXX. Examples of common complaints against XXXX include trying to collect a debt not owed and improper communication tactics. 
The following two real-world examples of complaints against XXXX XXXX XXXX illustrate these types of alleged violations. 
Consumer alleges attempts to collect a debt not owed XXXX XXXX XXXX said I owe XXXX XXXX After reviewing my recent credit report I contacted the company letting them know this not my debt This Collection action must be pulled out of circulation immediately!!! 

XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXXXXXX {$120.00} XXXX XXXX XXXX XXXXXXXX {$960.00} XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$4500.00} XXXX XXXX XXXX XXXXXXXX {$540.00} I looked at my Experian credit report on XX/XX/year> 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 who the report relates according to 15 USC 1681 ( e ) ( b ). And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, after any reinv
estigation 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 the information has been modified or deleted from the file of the consumer.

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

PNC Bank reported a 30-day past due status to the credit bureaus effective XX/XX/XXXX. 

The oversight was due to PNC auto-pay not debiting my monthly payment from my bank account. Upon receiving the PNC late notification in the mail, I immediately made the past due payment. I contacted PNC to explain auto-pay did not work and highlighted that I have been a customer since XXXX ( 13 years ) with a flawless payment record - proof I pay my bills on time. PNC was unwilling to remove the 30-day past due notice from my credit record. 

No reason has been provided for why PNC auto-pay did not work and my impeccable business record over 13 years was not valued enough to make any changes. 

As a result my credit has dropped 40 points and told by PNC it will take 7 years to remove from my credit report. I view this business practice reprehensible and disappointed PNC is unwilling to work with a loyal customer to correct a negative credit entry due to a problem with their auto-pay system.