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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX On XXXX, I reviewed my credit report and identified several discrepancies. 
Consequently, on XXXX, I sent a letter to [ TransUnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX  following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], I received a response from [ TransUnionXXXX ] indicating that their investigation was complete and the accounts in question were deemed accurate. 
However, upon reviewing my report again, I noticed that no changes had been made. 
Account Information : - Account Number : XXXX - Creditor Name : XXXX XXXX XXXXXXXX XXXX Details Inaccurate : LAST PAYMENT, HIGH BALANCE, DATE OPENED, DATE REPORTED, ACCOUNT RATING According to 15 USC 1681i ( 5 ), XXXX is required to treat inaccurate or unverifiable information in the following manner : ( A ) In general : 1. If, after reinvestigation, any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that item of information based on the results of the reinvestigation. 
2. The consumer reporting agency must promptly notify the furnisher of the information that the information has been modified or deleted from the consumer & # XXXX ; XXXX file. 
Additionally, under 15 USC 1681e ( b ), XXXX must ensure the accuracy of their reports : ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

Furthermore, according to 15 USC 1681s-2 : ( A ) Reporting information with actual knowledge of errors : A person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : 1. They have been notified by the consumer, at the address specified for such notices, that specific information is inaccurate ; and 2. The information is, in fact, inaccurate. 
XXXX has not properly reinvestigated my claims and has falsely asserted that they have done so. I have evidence to substantiate my case and request that this matter be addressed immediately and accurately. 
Sincerely, XXXX XXXX
Product: Credit card

I was issued an AMEX card through XXXX XXXX I've used AMEX cs three times to get into the app to pay my bill, then I lose access. Can not use app and I refuse to give my bank info to anyone in a foreign country. 
They keep gaslighting me in a very misogynous way. 
I just want access to the online app to pay my bill without this drama every month. I've changed my password twice already. The problem is AMEX, not me.
Product: Credit reporting or other personal consumer reports

I am disputing the validity of this third-party collection account as it is unauthorized. I have not entered into any agreement with this company nor given them permission to access or report my personal information. Under the Fair Credit Reporting Act ( FCRA ), I request that this account be verified for accuracy and legal authorization. If the company can not provide proper documentation proving this debt is valid and collectible by them, it must be removed from my credit report immediately.
Product: Checking or savings account

Immediate Deletion Of All Accounts Fraud Alert Fraudulent Bank Account Inquires Placed On All Reports Any False Information With My Identity To Be Deleted If Not Proved Within 30days All Letters & Mail Has Been Certified & My Attorney Is Aware
Product: Credit reporting or other personal consumer reports

Equifax is reporting " Date Major Delinquency 1st Reported : XX/XX/XXXX and XX/XX/XXXX '' for accounts that were closed in XXXX. This is negatively affecting my FICO score as they appear to be recent derogatory marks. I AM NOT DISPUTING THE INFORMATION THE CREDITORS ARE REPORTING. I am solely disputing the way Equifax is reporting. This is NOT referring to " Date of First Delinquency ''. This is solely referring to " Date Major Delinquency 1st Reported ''. This has nothing to do with the original creditors. Equifax is the only credit bureau to have this field on their credit reports. I would like this field to correctly reflect the fact that these delinquencies were first reported in XXXX. I have submitted two complaints so far. Equifax initially removed the date for XXXX XXXX, then a month later they readded the incorrect date. For XXXX they literally did nothing and closed my complaint. Please do not contact the original creditors in regards to this complaint, because I am not disputing the information they are reporting. This is solely an internal issue with the way Equifax reports items. Thank you.
Product: Debt collection

I have been receiving emails from Bank of America that provides sensitive 3rd party private information for a collection debt. Ive written Bank of America and advised them they have the wrong person and they are in violation of FDCPA 3rd Party Disclosure.
Product: Debt collection

I am writing to formally address a serious concern regarding a violation of my rights under the Fair Debt Collection Practices Act. Specifically, the company has not provided the necessary validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) despite recently placing a collection account on my consumer report.

I have made several attempts to resolve this matter directly with your team, but unfortunately, I have not received a satisfactory response. As a result, I believe my rights are being violated. 
Under the law, I am entitled to {$1000.00} for each violation. Please remit this amount or delete the accounts in question from my consumer report immediately. 
I appreciate your prompt attention to this matter and look forward to your response.
Product: Bank account or service

In conclusion, one online bank rep cost me a lot of money but this company cost me a great deal of time. 

One Friday in early XXXX, Ally Bank froze my debit card because of some {$3.00} charge I 've yet to see any proof of. When calling to unlock my card, I had to answer my series of five security questions multiple times before being informed my card would have to be replaced. I did n't have time to verify all my account information to get my card that night, and since the replacement was 7-10 business days away, I was in no rush for cash from them. 
I called back early the next week to try again. I got my replacement card mailed and I waited until last week to activate it. I followed the steps and the automated systems said it was active. I went to get cash and found it was n't working. When I called, a little irritated, I was told there was some issue and they would need to reissue another card. Another 7-10 business days! No thanks, I told them if they could n't get this resolved in this call I was going to another bank. 
They connected me to someone else, a 3rd person that morning, when this person asked me my security questions again. At that point in time the only point of view I had was " I verified my security questions with them 2 times, on this call alone, this is the 6th call I 've made to try and get money, this has to have been the 20th time I 've answered their questions and they 've done absolutely nothing, not one thing to make progress. '' I told them I was switching banks. 

I signed up for another bank but it was too late. The rep locked my account so all my debits failed, including checks on joint accounts. They put a lock and told agents not to handle that I had to call a number and speak to someone specific. 

This number did n't work but they were instructed I had to call from a number on my account and NOT TO TRANSFER. 

Essentially pushing me into a dead-end oath that cost me hundreds of dollars but more importantly, hours of my time. 

I really wish there was some way to hold them accountable so companies with online-only presences are n't exploited like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

WORLD FINANCE has been previously notified to verify my account to be accurate and complete. 1. ) I have noticed that WORLD FINANCE has been violating my rights by reporting inaccurate and incomplete information on my credit report. WORLD FINANCE is reporting different information to three different credit agencies for the same account. 2. ) World Finance is still trying to collect this debt even though it was charged-off. they are still reporting a balance. Also, when I spoke to a woman named XXXX in the office today ( XX/XX/2022 ) and she told me I should pay off this " debt ''. World Finance, by charging this debt off has forfeited its right to collect. 3. ) World Finance has been reporting late payments for along time ( years ) after charging off this debt which is another FCRA violation. 

WORLD FINANCE has an obligation under the FCRA 's " furnisher rule '' to not report information they believe to be untrue or inaccurate or that they've been told is untrue or inaccurate. These inaccuracies and inconsistencies have led me to believe that WORLD FINANCE has NOT researched and verified these accounts in violation of my rights. Needless to say, their willful and continued disregard for the law has caused me damages.
Product: Credit card or prepaid card

I have Td Card Visa card. The due date for payment is XXXX. 

Sometimes I get payment envelope to pay off. I called them on XX/XX/XXXX complaing on it and decided to pay it off ( {$2000.00} ) in a different envelope on XXXX through US postal service. That day I wrote XXXX XXXX bank cheks for Mortgage and a utilty company. They all got the check. I called TD card on XX/XX/XXXX to check whether they got it or not. TD card said they did not get my check. I called again on XXXX, XXXX on XXXX and I decided to pay again the same amount by on-line to avoid late/interest charge. I always pay in full. 

On XX/XX/XXXX, I saw on XXXX XXXX account that TD card has deposited my check to encash. 

I called TD card services and said they will not refund money on-line to my bank XXXX XXXX. 
TD card said it will credit the amount for purchases. 

TD had played this game in XXXX. That time I had to ask extending due date to XXXX. Nowadays, they blame on US postal service. When asked when check was deposited for cashing, they would not reply. I live on pay check to pay check. 
Conversations recorded. 

XXXX XXXX
Product: Credit card

Home Depot credit services through Citibank In XX/XX/XXXX I got a promotion deal from Home Depot.

The Promotion deal was if purchased {$2000.00} or more, you can pay them back in 24 Months with 0 %. 
We purchased more than {$9500.00} and make sure with the store representative again and again. 
My major concern was about the 24 Months @ 0 %. 
I was paying monthly payment {$450.00} from the day first. 
I was not aware and affiliated with my account details. 
So in XX/XX/XXXX I tried to increase the monthly payment {$600.00} instead {$450.00}. 
At this point I checked my account there was applied a huge interest amount. 
I contacted the HOME DEPOT and credit services. I called them, I went in person and did so many emails. They said to me they are trying to solve the issue. 
At the end no-one is ready for taking responsibility of mistake. 
Credit Services team says this matter will resolve the HOME DEPOT Manager and the Manager says, because she wasn't Manager at the moment when you purchased, So I can't do anything. 
The Representative of HOME DEPOT offered me, if I purchased something next they will give me 36 Months XXXX XXXX XXXX 
I requested them, please resolve my issue. 
I am worried about that, Nobody wants to listen the Customer problem. 
Please help me to solve the issue. 
Thanks
Product: Credit card

Reporting a account they can not verify. I found a Charge offs on my Credit report form Capital One. I disputed it with the CRA it came back verified. I tcalled Capital One about this and spoke to XXXX XXXX, informed me that Capital One has the wrong information on this account and it is reporting under my name. How did they investigate this account with out any documentation about me? I contacted them and their rep told me about and they could not validate the debt due to the account not having the right information on file. This is a violation of the FCRA and the trade line needs to be removed ASAP.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 reporting or other personal consumer reports

15 u.s.c code 1681 requires consumer reporting agencies to be fair and equitable to consumers. My right have been violated by all of the reporting agencies and the companies reporting the incorrect and negative history on my profile. They have not responded to my letters in the XXXX  day window that they are required by law to respond to. XXXX, Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry  and XXXX XXXX XXXX are all in violation I have given no XXXX consent to share my personal information. I request that these negative items be removed because they are inaccurate and they are affecting my credit and having a very negative inpact on my life.
Product: Debt collection

I Checked My Credit Report And Noticed A Collection Was Reported On My Credit Report Without Any Knowledge. 

Date - XX/XX/2022 Amount - XXXX
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquiry Equifax, XXXX, and XXXX, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within XXXX  days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please be advised that any failure to comply with the FCRA 's provisions may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an inaccurate late payment reported on my XXXX account ( Account Number : XXXX ). All payments have been made on time, making this late payment notation incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers must ensure the accuracy of the data they report, and knowingly reporting incorrect information violates this law. My account has never been late, yet the credit bureaus have reported discrepancies : TransUnion and Experian incorrectly list a XXXX late payment for XX/XX/XXXX and XX/XX/XXXX, while XXXX inaccurately XXXX XXXX late payments for XX/XX/XXXX and XX/XX/XXXX. I request verification of compliance with 15 U.S. Code 1666b, which requires that periodic statements be delivered at least 21 days before the due dateplease provide the periodic statement and tracking number confirming delivery. I have attached my credit report highlighting these inaccuracies. Since all payments have been made on time, I request these errors be corrected within 15 days of receipt.
Product: Credit reporting or other personal consumer reports

This is my 6th requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance Owed : {$11000.00}
Product: Credit reporting or other personal consumer reports

I have an existing complaint involving XXXXXXXX XXXX already filed with XXXX. 
I have been disputing XXXX XXXX XXXXXXXX onto my Experian Credit Report since XXXX. I was a fraud victim of unauthorized charges on my XXXXXXXX XXXX Credit Card. I have submitted all the proof to Experian, a copy of the police report, ID, my XXXX data breech claim number and dispute results from XXXX and XXXX ( Both XXXX and XXXX have removed XXXX XXXX entry on my credit report ). Every time I dispute the entry with Experian, they tell me it is denied because XXXXXXXX XXXX says it is my debt. I recently disputed the entry again with Experian and the most recent one said that XXXXXXXX XXXX  XXXX not know the charges are XXXX. XXXX XXXX does know as I have been in conflict with them since XXXX due to their refusal to acknowledge I was a Fraud Victim and that the charges were incurred by Fraud. The other XXXX credit reporting companies have both agreed and removed XXXX XXXX  XXXX because of XXXX. But Experian keeps listening to XXXXXXXX XXXX instead of looking at the evidence I have sent them. I do not know why Experian refuses to remove the entry but it is not right. I want the entry removed because I was a legit victim, I have sent them evidence of it but they keep checking with XXXXXXXX XXXX instead of looking at the evidence I have sent them. Why is it the XXXX other credit reporting companies have removed it but Experian does not? This is unfair and that is why I am reporting the info to CFPB. Experian and XXXXXXXX XXXX must have a relationship because the XXXX seem to come up with the decisions every time I have asked for an appropriate investigation. 
Also, I have attached Experians report from my dispute filed XXXX. It states the credit grantor requests that I contact them directly as they XXXX not know how to contact me to discuss this matter. I have discussed this matter with XXXXXXXX XXXX since XXXX. I will attach photos of XXXX XXXX last letter they sent me in XX/XX/XXXX regarding my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor 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.

TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Mortgage

Hancock Whitney Bank claims I have delinquent property taxes for tax year XXXX- Hancock Whitney for a 2nd time claimed I have delinquent property taxes. 
- Hancock Whitney insists I must provide proof which I have done twice this year via fax and e-mail Background History - My loan XXXX does not have an escrow account - I pay my own taxes - I have paid my taxes on time for this loan since inception in XX/XX/XXXX. 
- This year is the first year Hancock Whitney began claiming I have delinquent taxes. 
+ XX/XX/XXXX : Hancock Whitney sent letter claiming I had delinquent taxes of {$530.00} due to XXXX XXXX. 
+ XX/XX/XXXX : I called Hancock Whitney ( XXXX ) to advise them of their incorrect information and faxed ( XXXX ) proof of my tax payments and statements showing no delinquent taxes. I spoke to a manager in the property tax department. Her name was XXXX. 
+ XX/XX/XXXX : I called ( spoke to XXXX XXXX and emailed Hancock Whitney with attached proof of tax payments. 
+ XX/XX/XXXX : Hancock Whitney sent letter acknowledging my complaint. 
+ XX/XX/XXXX : Hancock Whitney emailed me ( XXXX ) stating they received my proof of tax payments and had updated their records accordingly. 
+ XX/XX/XXXX : Hancock Whitney sent a new letter again claiming I had delinquent taxes in the amount of {$530.00} for parcel XXXX. Letter received XX/XX/XXXX. 
+ XX/XX/XXXX : I again sent an email with attached proof of payments. I advised Hancock Whitney I would file a complaint with CFPB. 

Please contact Hancock Whitney and help me determine why they are harassing me. My personal opinion is incompetence, but I will reserve final judgement based on your findings.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious inaccuracy on my credit report. It is my right under the Fair Credit Reporting Act ( FCRA ) to have a credit file that is 100 % accurate, and the information currently being reported is incorrect. 

1. The information in question does not accurately reflect my credit history or account activity.

2. Despite my efforts to resolve this issue, the inaccurate data has not been corrected.
Product: Checking or savings account

My simple account was taken over by BBVA. Rollout happened on XX/XX/08 and was a disaster. I was locked out of my account both online and through the app. No customer service available. 
I waited until Monday and tried again. I was able to get in through the web but kept getting knocked out. No access through app. I called customer service multiple times and was hung up on both times. 
Managed to move my money to my main bank account but I was charged for each transfer and now they want to charge me to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is no sufficient information to support Transunion and XXXX XXXX  claim, XXXX  XXXX. This creditor has been posting my payments late but i religiously paid on time. Please remove the late remark from my credit report ASAP