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

My account with XXXXXXXX XXXX XXXX XXXX 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. 


XXXXXXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 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

If a consumer Notifies a debt collector that the Consumer refuses to pay a debt the debt must cease All communications. The Law States per { 15 USC1692 C [ c ]
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XXXX I received notification that a collection was added to my credit. I have made multiple calls and sent emails with no response. They never tried to contact me or mail a letter proving the debt was mine. I have no knowledge of this debt. I sent an email asking for them to prove my ownership of the debt with no response. I could not get anyone On the phone.
Product: Mortgage

I have attempted multiple times over the last several days to pay my mortgage online through the system and process that they have advertised as being able to be used to pay a mortgage bill. The process has been unsuccessful. After contacting the technical support for Ally, they tell me they are too busy to address my concern. I can't load my account information via any means, neither to view statements, view my account number, view my loan number, or to make a payment.
Product: Debt collection

On XXXX XXXX, 2015 I paid a debt of {$98.00} XXXX, ( with a XXXX ), for an outstanding balance due. It was finalized on XXXX XXXX. So last month when I was checking my credit report, I disputed this charge because it had been paid month 's ago. The dispute was acknowledged by the company at which time they posted it as an existing outstanding balance again and this time it was reported to XXXX as well as XXXX as such and has lowered my credit score because of this. I contacted XXXX personally today and they showed where this debt was paid on the dates listed above. I then called the billing department with XXXX as well and she acknowledged it had been paid as I had stated. She stated that she would be contacting AMCOL to have them remove this item. However, I am very upset that this has become an issue and feel as though I am being negatively impacted by the poor and unethical reporting processes conducted by this company. I want this fraudulent information removed from my credit report immediately and my credit for this matter repaired. I am hoping you can assist me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2100.00} XXXX  XXXX {$8300.00} XXXX  XXXX {$84.00} XXXX  XXXX {$160.00} XXXX XXXX {$3300.00}
Product: Credit reporting or other personal consumer reports

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CR
RG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

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

I had leased a vehicle and paid off all of the dues back in XX/XX/XXXX, returning the vehicle to the dealer. The XXXX XXXX XXXX company billed me {$750.00} for the excess wear and tear, that was paid off on XX/XX/XXXX via a check that cleared XXXX XXXX, 2017. To my surprise I find I was reported to the credit agencies as missed my payments for 2 months. This was without any prior communication. My credit was hit over XXXX points. I tried to call XXXX, but they would only say they have no information and I need to connect with their collection department.
Product: Credit reporting or other personal consumer reports

I went to purchase a new vehicle for me and my family when they pulled my credit I was denied so I ask what was stopping me from obtaining a vehicle for me and my family he told me ( XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/year> ) this account was paid off its reflecting as a negative account please deleting from my report its affecting me from obtaining a new vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this information shared with credit reporting agencies from XXXX XXXX AND XXXX XXXX  several times for an alleged debt. I have notified them repeatedly providing evidence that this account was listed twice on my report along with non consistent information and yet still and all they send me correspondence stating it is verified. One alleged debt is being reported as two alleged debts and is also inaccurate & never verified by me the consumer. It is very harmful to my reputation causing me financial harm by reporting this information that is alleged, incorrect and I have never validated this alleged debt. They state that its has been investigated but failed to provide me with the names, addresses and information used to investigate and verify this alleged debt. I am struggling with this and this is negatively affecting my life and causing me harm. Transunion, XXXX, XXXX XXXX XXXX and XXXX they all ignore, and disregard my consumer rights that they have violated and continue to violate when they keep publishing this incorrect information about me.
Product: Checking or savings account

Hello, I got crypto scammed badly and I am trying to return money. I lost around {$2300.00}. 
My bank is a Bank of America. 
Transactions : XXXX : {$200.00}, {$300.00} XXXX : {$250.00} XXXX : {$300.00} XXXX : {$500.00}, {$400.00}, {$300.00}, {$200.00} What happened is that I got scammed, I downloaded a XXXX exchange apps called XXXX and XXXX and started using it because I was added into a telegram channel of XXXX XXXX where they send XXXX alerts. At first I didnt trust it, but then I looked up a XXXX XXXX and it seemed to be legit. I started transferring into XXXX and then from XXXX into XXXX. I realized later that my money just started dissapering from my XXXX account. It was too late I already lost {$2300.00}. I filed a claim to the government agency, they told me you can help me return money. I am very hopeful that you will be able to help me. 

Thank you, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Portfolio Recovery Associates Subject : Demand for Damages Regarding FDCPA Violations 15 U.S.C. 1692 To Whom It May Concern : I am writing to formally notify Portfolio Recovery Associates of your repeated and willful violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692. These violations include harassment and unlawful attempts to collect on accounts for which I have no legal obligation or contract with your company.

1. FDCPA Violations On [ insert specific dates ], Portfolio Recovery Associates contacted me via phone on XXXX separate occasions despite my lack of any legal obligation to your company. Each call constitutes a clear violation of : 15 U.S.C. 1692d : Prohibiting harassment, oppression, or abuse during debt collection.

15 U.S.C. 1692e : Prohibiting false or misleading representations.

15 U.S.C. 1692f : Prohibiting unfair or unconscionable means to collect a debt.

2. Demand for Damages Under 15 U.S.C. 1692k ( a ) ( 2 ) ( A ), I am entitled to statutory damages of up to {$1000.00} per violation. Therefore, I am demanding a total of {$3000.00} ( {$1000.00} for each of the XXXX unlawful calls ). 

XXXX. Cease and Desist Communication In addition, I am exercising my right under 15 U.S.C. 1692c ( c ) to demand that Portfolio Recovery Associates immediately cease all communication with me regarding these alleged accounts. This includes : Phone calls to my personal or work numbers.

Letters, emails, or any other forms of contact.

Failure to comply with this request will result in further legal action.

4. Verification of Debt Under 15 U.S.C. 1692g, I request written verification of the alleged debts. This verification must include : Proof of the original creditor and account details. 
Proof that I am legally obligated to pay the debt. 
Until proper verification is provided, all collection activities must cease immediately. 

XXXX. Legal Consequences for Continued Violations If Portfolio Recovery Associates fails to resolve this matter promptly, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursue legal action in federal or state court, where I will seek the statutory damages of {$3000.00} plus attorney fees and court costs as permitted under the FDCPA. 

Resolution Demanded Provide written confirmation that all collection efforts have ceased. 
Remit payment of {$3000.00} to resolve the statutory damages incurred. 
Provide written verification of any alleged debts you claim I owe. 
This letter serves as formal notice. If you fail to comply, I will have no choice but to escalate this matter further. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A collection was placed on my Transunion credit report on XX/XX/2017. It is set to be removed XX/XX/2017, which is odd. I have received no notification from the creditor. I do n't know anything about this debt - whether it is mine, if it 's outside the statute of limitations for reporting, etc.
Product: Consumer Loan

I just learned about " CFPB and DOJ Order Ally to Pay XXXX to Consumers Harmed by Discriminatory Auto Loan Pricing '' over this past weekend of my own web surfing. I had a loan under the period that was covered, so to day I contacted the cfpb today and advised that I had n't been contacted by the settlement admin and XXXX please provide that info. XXXX the person who answered provided me with the admin toll free number and web site. I called the admin and spoke to a person who advised me that ( 1 ) the deadline to opt-in was XXXX XXXX ( 2 ) I indeed did was on the list ( 3 ) that Ally bank and NOT the admin contacted consumers and provided the names to the admin. I advised the admin that I moved XX/XX/XXXX to a different address and that I never received a letter regarding this settlement. I was also advised that the checks were already mailed XXXX XXXX and that other consumers were complaining about moving and not getting the proper details about their rights under the settlement. How is it that the order of the court states that the admin shall contact eligible consumers and then it turns out that the defendant is tasked with contacting consumers? My vehicle has since been repossessed and could it be that the defendant did n't care to allow men to get any money back?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian, I am writing to request that you review the following information that was entered on my consumer report. 

XXXX XXXX XXXX ending in XXXX I attempted to use this card on XX/XX/2021 at a local restaurant, the card was denied. When I logged into my account I found that there was an overdue balance outstanding that had not been paid. I contacted XXXX XXXX this morning and found out the problem was that XXXX had put me on paperless billing without my knowledge. I have had numerous financial accounts request paperless billing and have always refused because I was afraid this is exactly what would happen. 

When I realized the account was past due on XX/XX/2021 I immediately paid the balance in full. I explained this to XXXX this morning. The only problem is that I paid using my online banking which will make the payment on XX/XX/2021, however the due date is today. XXXX accepted responsibility for the mix-up, removed all late fees and assured me my credit score will not affected more than it has already. 

If you review all of my accounts due over several years my payment history has been excellent. My credit score has been excellent for quite some time now. 

The purpose of this letter is to ask that you adjust my score to where it would have been if the late payments had not occurred. I hope that my credit will not suffer because of actions taken by XXXX and not approved by me. 

Thank you for consideration in this matter. 

I have spoken to Experian twice but have not been able to review the results of my dispute.
Product: Vehicle loan or lease

XX/XX/XXXX I sent over a Notice of Rescission to terminate all agreements due to no disclosure of cancellation. I spoke to a representative that stated that they Td auto didnt participate in the Cancellation of debt or didnt accept the non rescission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Please delete these accounts from my credit report. 

XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT INQUIRIES ARE LISTED ON THE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are wrong and have been placed back on my credit report after they were deleted, see dates of deletions XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. 

Bankruptcy # XXXX XXXX # XXXX XXXX consults # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the accounts XXXX XXXX XXXX XXXX which is showing multiple times and with different amounts, and XXXX XXXX as duplicate entry on my credit report
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

In XXXX, I received after the fact, a writ for wage garnishment that had been filed in XXXX filed by XXXX XXXX offices on behalf of Midland Funding. Prior to this I had sent debt validation letters to each entity and also issuing a correct address in which to contact me. There was no positive response to either. The writ arrived with an incorrect, uncurrent address and I was never properly notified of who the originator of the debt was, the nature of the debt which is in excess of XXXX. Neither could I find the writ in any public records. Neither could I find a lawyer willing to represent the matter and it was not on my credit report going back as I can remember which is XXXX or thereabouts, to the present. Again, I never received proper notification I was being sued by a junk debt collector nor did I ever receive any documentation about the nature of the debt purchase, how much was the debt was purchased for, or any specific information concerning the original debt. After all this time I suspect if there is anything legitimate about this claimed debt it is well beyond expiry. In spite of this I didn't have any wages garnished until recently, starting in XXXX of XXXX. I had to request a copy of the writ from my payroll department. Same amount claimed, in excess of XXXX plus interest, wrong address but updated to reflect a XXXX date. The summary of garnishment and the proof of service is blank and the writ so illegible as to be nearly unreadable so I can not scan a copy and upload it to you. As of this time, I have not found a lawyer, even those claiming to specialize in such matters, to represent me although I have contacted dozens over the years. I am now forced to file bankruptcy for lack of proper legal representation but I have no creditor to present to the court because I can not get any information concerning this debt from XXXX Law or Midland Funding who will not send any information on the debt that Midland purchased, but instead sends notifications of writs, after the fact to any old address which is in violation of my privacy.
Product: Debt collection

Synchrony Bank violated 15 USC 1692c and communicated with me at a time which was unusual and inconvenient for me. Also violation of 15 USC 1692d harassment or abuse threatening to harm my reputation by reporting late payments, missed payments, or other defaults in my account. Use of profane language telling me Total Minimum Payment Due, Payment Due Date, Due Balance. Also violation of 15 USC 1692f ( 1 ) and ( 8 ) using language or symbol which clearly indicates they are in the debt collection business.