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

I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. 

The letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action. 

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established Metro 2 data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. 

Your credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. 

Regarding the listed items : XXXX XXXX XXXX Late Payment {$1800.00} XXXX XXXX XXXX Late Payment {$8800.00} XXXX XXXX XXXX XXXX XXXXXXXX Late Payment {$600.00} XXXX XXXX XXXX Collection {$2400.00} XXXX XXXX Collection {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX Charge-off {$1200.00} XXXX XXXX Charge-off {$3100.00} XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602, states I have the right to privacy. 15 USC 168 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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. 

XXXX XXXX XXXX  Credit card Late months reporting on my credit report : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Capital one Auto Finance Late months reporting on my credit report : XX/XX/XXXX Capital one credit card ; XXXX XXXX Late months reporting on my credit report : XXXX and XX/XX/XXXX and XX/XX/XXXX Late months reporting on my credit report : XXXX and XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request that you reverse or correct the above aforementioned late payments as okay, paid in fullon my credit report. I believe that this late payment was reported in error and should not have been included in my credit report, as payments are not supposed to be disclosed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under tra_icking according to Tra_icking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

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

XXXX XXXX XXXX XXXX reported a medical collection on my credit report since XX/XX/XXXX on behalf of Original creditor : XXXX XXXX XXXX Account # XXXX. I have recently disputed on XXXX XXXX through the credit bureaus, and they returned a response that DID NOT DELETE IT. 

The Consumer Financial Protection Bureau ( CFPB ) finalized a rule in XX/XX/XXXX that prohibits the inclusion of medical debt on most consumer credit reports. This rule applies to all medical debt, regardless of the amount or payment status. 

Because of this ruling this is a VIOLATION of my rights and I want this item removed IMMEDIATELY from my credit report.
Product: Credit reporting or other personal consumer reports

Im reaching out because I noticed an error on my credit report related to a late payment on my account with XXXX XXXX XXXX XXXX XXXX XXXX, and the late payment showed was on XX/XX/year> for each bureaus. Ive always made my payments on time, and I was surprised to see this late payment listed. This seems like a mistake, as Ive never missed a payment. According to the Fair Credit Reporting Act, the information on my credit report needs to be accurate, and this late payment simply isnt. Please provide documentation that supports the reported late payments, along with any records showing my authorization for these reports. If this documentation can not be provided, I expect the records to be corrected to reflect my accurate, on-time payment history.
Product: Payday loan, title loan, or personal loan

my original loan was for XXXX on XX/XX/2021 and I have been making payments. I have made a total of XXXX in payments to this company which is obviously over the payment amount. Now they have charged off my account even though i was making payments and have written off XXXX like I have never made any payments. this is illegal and should be investigated!
Product: Debt collection

I have been receiving letters and harassing phone calls from an attorney 's office ( Harris & Harris Ltd ) in reference to a so-called bill from XXXX  XXXX   XXXX Hospital. The Total amount requesting is {$980.00}. However, when I requested that they verify the debt, they send me information from another company omitting their name and the information written are full of in consistences. 

I have a contract in place with the XXXX XXXX XXXX  XXXX Hospital to make monthly payments. I do not know why this company would think I would pay them as well, especially with information that is false. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 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 reportingagency 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 reportingagency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Convergent Account # 1234, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 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 reportingagency 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 reportingagency if the person knows or has reasonable cause to believe that the information is inaccurate. 
accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 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 reportingagency 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 reportingagency 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

XXXX XXXX XXXX has been paid off.
Product: Credit reporting or other personal consumer reports

To whom it XXXXay concern, THANK YOU for taking the time to read this. I appreciate you. You're awesome. You're probably the coolest, nicest, hardest working, and best looking representative in your company. SOLUTION : I would like delinquent payment mark removed from my credit report. Please! I don't believe it is accurate. REASON WHY : I spoke to a XXXX representative on the phone because they called asking about my late payment ( it was not delinquent yet at this time ), and I told them the date AND the amount I'd be paying. I asked specifically if this would prevent a delinquent report. They said I would be safe. But shortly after XXXX still reported it as delinquent. Please remove this report. Thank you so much for being so awesome.
Product: Mortgage

PARENTS CUSTOM BUILT A HOME IN XX/XX/XXXX. THERE HAS BEEN SEVERE DAMAGES ON GOING WITH THIS HOUSE. IN XX/XX/XXXX, THE DAMAGES MOUNTED OVER XXXX. MY MOTHER WAS FORCED INTO TAKING OUT A REVERSE MORTGAGE IN ORDER TO REPLACE THE ROOF IN XX/XX/XXXX. IN XX/XX/XXXX, XXXX, WE FOUND OUT THAT THE MAIN SEWER LINE RUNS ALONG THE LEFT SIDE OF THE HOUSE WITHOUT AN EASEMENT. IN CONTACTING THE ENGINEER DEPARTMENT FOR THE CITY, WE WERE INFORMED THAT THE CITY OWED US A GREAT DEAL OF MONEY AND THE TAXES WOULD BE TAKEN CARE OF BY THEM SINCE WE WERE FINANCIAL BROKE BECAUSE OF ALL THE DAMAGES WE PAID FOR OVER THE YEARS. AS OF XX/XX/XXXX, THE REVERSE MORTGAGE FORCLOSED AND SOLD OUR HOME WITHOUT OUR KNOWLEDGE. WE HAVE BEEN WORKING CONTINUELY WITH THEM OVER THIS PROBLEM. WE HAVE SENT THEM ALL DOCUMENTS SHOWING THAT WE HAVE AN EXCELLANT CASE FOR FRAUD AGAINST THE INVOLVED PARTIES. THEY INFORMED US THAT THEY DIDNT CARE AND WAS N'T THEIR CONCERN. MY MOTHER HAD XXXX THE DAY BEFORE THE HOUSE WAS SOLD. HER HEALTH IS FAILING GREATLY AND IS FACING ANOTHER XXXX IN XX/XX/XXXX. I HAVE SUPPLIED THEM WITH A DOCTOR 'S LETTER STATING HER CONDITION TRYING TO KEEP US FROM HAVING TO LEAVE AT THIS TIME. THEY WILL NOT BUDGE. THEY EXPECT US OUT BY XX/XX/XXXX. ALL THEY CARE ABOUT IS THAT THIS IS A GOVERNMENT BACKED LOAN AND WOULD RATHER GET THEIR MONEY FROM THE GOVERNMENT INSTEAD OF THE TRUE RESPONSIBLE PARTIES. THESE PEOPLE ARE DESTROYING MY MOTHER AND THEY ARE NOT EVEN WHO WE DID THE REVERSE MORTGAGE WITH. I DESPERATLEY NEED HELP.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 MONTHS REPORTING LATE 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. 

This company 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.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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. 


XXXX EXPERIAN 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!

Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable XXXX  unprotected. 
Furthermore, their dispute resolution process was unfair XXXX  deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, XXXX  I seek appropriate redress for these violations.
Product: Credit card or prepaid card

OnXX/XX/XXXX the Social Security Administration wired a lump sum back payment of over {$12000.00} to my AMEX Serve card. I was told it would take 3-5 business days for the money to appear. Today is Day 6, and I don't have my funds. I've tried multiple times to reach out to AMEX, but their Contact Us numbers are recordings only. There is no way whatsoever to reach someone who I can speak with to find out what is going on.
Product: Credit reporting or other personal consumer reports

Hi TransUnion, I just paid for my credit report and I saw those fraud inquiries that shall delete from my credit report. 

THOSE INQUIRIES ARE FRAUD : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Initiated a billing dispute on XXXX/XXXX/21. Have not received provisional credit for the dispute. In attempts to inquire about status, I have only been informed that someone will get back to me. 

In a second credit card account, I redeemed a promotional offer whereby credit card company was offering 20 % back at a merchant. Despite meeting all terms, credit for the 20 % offer has not posted to account. Inquired and was informed would be within 7-14 business days, which has since passed. A second inquiry only advises that I would receive a response within 14 days.
Product: Credit reporting or other personal consumer reports

I am writing to request the correction of inaccurate personal information in my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). The following information currently listed on my credit report is incorrect : Names : XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX  - Name ID # XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX  XXXX XXXX - Name ID # XXXX Address : XXXX. XXXX XXXX XXXX XXXX XXXX Location : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Single family XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX Address ID : # XXXX Type : Single family XXXX. XXXX XXXX Location : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Apartment complex XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Location : XXXX, XXXX XXXXXXXX Address ID : # XXXX Type : Multifamily XXXX. XXXX XXXX XXXX XXXX XXXX Location : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Apartment complex XXXX. XXXX XXXX XXXX XXXX XXXX Location : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Single family XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Location : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Apartment complex XXXX. XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Single family XXXX. XXXXXXXX XXXX XXXX XXXX Location : XXXX, XXXX XXXXXXXX Address ID : # XXXX Type : Single family XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Address ID : # XXXX Type : Single family XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX ID : # XXXX Type : Single family The accurate information should be as follows : Correct Name : XXXX XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

Our payment sent to SPS Inc. was not credited to my spouse 's account as requested on payment statement. The payment was processed as two payments. Not a single payment for principle and interest. This allowed SPS to charge us interest twice for the XX/XX/XXXX payment. We contacted SPS to correct this error to apply our payment as requested. The account representative talked with us and said the funds would be credited as requested. would be done within 5 to 7 days and we would not be able to see this correction in the online access. SPS Inc. representative did not say this would be reflected on a corrected XX/XX/XXXX statement or would they take the XX/XX/XXXX payment funds as payment for XX/XX/XXXX and XX/XX/XXXX as XX/XX/XXXX statement shows. The statements have blocks for assignment of funds, we wanted all funds above the regular payment applied to principal.
Product: Credit reporting or other personal consumer reports

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXXDept of ED Account # XXXX LATE PAYMENTS Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections.
Product: Credit reporting or other personal consumer reports

I'm checking my credit report on TransUnion, and it seems like there's a hard inquiry that I don't recognize. 

XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am the living man, executor, beneficiary of XXXX XXXX XXXX. It has come to my attention tht although i have written several letters asking for validation of debt, and audit trails in which i am not getting any response because of the automated system you have in place which in fact is a violation as well ... I am demanding these accounts be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for consumers privacy. I did NOT give consent to these accounts.
Product: Credit card or prepaid card

A USAA Banking Service account was fraudulently opened under my name on XXXX XXXX, XXXX USAA was notified shortly thereafter to the fact that I had not requested or applied for their card. No activity is shown on that USAA account, as shown with the XXXX Credit reporting website. Still... the account was opened fraudulently.