23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian - I unknowingly signed up for the credit report service for {$22.00} a month back inXX/XX/2017. When I saw that I have been charged in XX/XX/2017, I immediately called to cancel. Since then, my family and I I've been very busy with a cross-country move and new jobs, and did not notice that the billing continued. I'm now in a different time zone, and have been unable to connect me with customer service because the wait times when I am available are always 3 hours or more. I'm seeking restitution of {$50.00} to cover the expenses cost as well as the cancellation of my account effective immediately.
Product: Debt collection

I received care from minor emergency in XXXX XXXX XXXX on XX/XX/2020. That care cost was {$420.00} and {$160.00} of that was covered by my insurance provider ( this can be seen in the XXXX attached ). This left me with a responsibility of {$250.00} to be paid to the provider. I use an HSA through connect your care powered by XXXX. I have paid many medical bills through this process over the past 5 years with no issues until this one. Also attached below is the proof of payment of the {$250.00} owed paid via my HSA account. More than 6 months after this payment was confirmed in XX/XX/2020, I received a collections account report on my credit report ( attached as well ) for the exact amount that I have confirmation/proof of payment. I attempted to reach out to National Business Factor and the XXXX XXXX XXXX to resolve this issue, and both organizations refused to respond to my requests. I engaged a credit lawyer in XXXX and he sent mail to both National Business Factor and XXXX with months of engagement there has still been no resolution. 

Reponses received on XXXX : In your complaint, you listed that you paid XXXX XXXX XXXX, we do not collect for that entity. This bill is from XXXX XXXX XXXX, located in XXXX XXXX XXXX, California. The proof of payment you provided shows you paid XXXX XXXX XXXX XXXX XXXX, which is not XXXX XXXX XXXX. My client and myself have researched your claim of payment and they do not have a record of such a payment. Please forward a copy, front and back, of the check that you issued to see who cashed it. This will aide in locating the payment. Currently your account is on a hold status for the next 30 day. If we do not here from you within the next 30 days this account will resume normal collection activities. 

I did not receive care from XXXX XXXX XXXX. I will provide the attachments again mentioned above to show the exact same amount that was issued by XXXX XXXX XXXX ( the place I received care ), that was then promptly paid. I have still recieved no notice of debts owed or unpaid bill/debt from National Business Factor OR XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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Product: Credit reporting or other personal consumer reports

Account # XXXX & Account # XXXX This complaint is a REBUTTAL to a response from XXXX XXXX MANAGEMENT dated XX/XX/year> regarding a dispute on the above accounts & also previous disputes regarding these accounts. 

You've responded to my previous DISPUTE with a statement stating that you have reported accurate information. First of all, I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction or transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX  are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency XXXX REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX XXXX Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) XXXX XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) XXXX XXXX, Account Number XXXX XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) XXXX XXXX Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) -XXXX  XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) Below are the details of the fraudulent inquiries : -XXXX  XXXX XXXX  on XX/XX/XXXX These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -A Letter formally detailing the information of my dispute -Copy of US Issued ID XXXX Proof of Identity ) -Copy of Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information being reported by XXXX XXXX XXXX XXXX on my credit reports with Equifax and XXXX. The inaccurate reporting by XXXX XXXX XXXX XXXX has led to significant discrepancies on my credit reports, negatively impacting my creditworthiness and financial standing. 
The account in question, XXXX, was charged off by XXXX and Equifax in XX/XX/XXXX. Despite being charged off, the account has been consistently updated as charged off every month since then, leading to a decrease in my credit score on XX/XX/XXXX, with Equifax reporting a decrease of XXXX points. The account was charged off XX/XX/XXXX- XX/XX/XXXX then back in good standing XX/XX/XXXX- XX/XX/XXXX ( how is this accurate if the account was charged off ) This is inaccurate. 

It is important to note that a charged-off account should not include a payment history, yet my credit reports reflect a payment history associated with this charged-off account. Furthermore, the credit utilization ratio reported by Equifax and XXXX is inaccurately reflecting 121 % utilization. Additionally, there are discrepancies in the reporting of late payments associated with this account. Equifax reports XXXX late payments with inaccurate dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, while XXXX reports 90 days late payments with inconsistent dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The inaccurate charge-off reporting by XXXX XXXX XXXX XXXX XXXX XXXX the statute of limitations and violates my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to rectify these inaccuracies, Equifax and XXXX have failed to properly investigate this account, thereby exacerbating the adverse impact on my credit profile. Equifax is even reporting the last activity date for this account to be XX/XX/XXXX which would be inaccurate from the charged off date. 

According to the IRS and unpaid charge off is income and according to the FCRA income can not be report on a credit report. I am requesting a XXXX ( Cancellation of debt ) from XXXX XXXX XXXX XXXX XXXX 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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 whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation 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 information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. XXXX XXXX XXXX XXXX | Account number XXXX | {$15000.00}
Product: Debt collection

We fell behind on a payment or two on auto loan they call me XXXX or XXXX times a day I called to find out what was the lowest payment I could pay they were very rude asking all kinds of personal questions I told them why do I owe so much because a girl from your company said she would defer a payment he said well we do n't do that by word of mouth and then preceded to say so why are you calling are you going to make a payment or not
Product: Credit card or prepaid card

I signed up for Delta Skymiles American Express, clicking through an offer for XXXX Delta Sky Miles if I spend {$3000.00} within 3 months. They baited and switched me with an offer for XXXX Delta Sky Miles, saying that's what I signed up for, even when I took a screenshot of what I clicked through. They have been stalling for 5 ( going on 6 ) weeks with an " open investigation '' and telling me I will receive a resolution within 5-7 business days. It has been 5-7 business weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a member with Experian Credit Reporting for over 3 years. and I have been trying to dispute information on my credit for quite some time now over some addresses that are not mine and just recently a derogatory remark that is definitely not mine. But when I call I can never speak with an agent to get help and the automated service over the phone says to dispute it online, however when I try that method the site just always states the same thing, that it is having technical difficulties to please try calling XXXX But as I stated above you can't get any help over the phone. I am going in circles trying to fix a problem that is very imperative to my credit. Please help.Thanl you for your time.
Product: Credit reporting or other personal consumer reports

Westlake Financial reported to lates on my credit account and neither are correct. One late was reported on XX/XX/XXXX and the other XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they removed.
Product: Checking or savings account

On XXXX/XXXX/XXXX XXXX XXXX XXXX offices were shut down by the Federal Reserve. I then began to withdraw funds from my account because I was unsure of what was going to happen. In XXXX, I made transactions to remove funds to secure them somewhere else. Unbeknownst to me, one of the transactions made on XXXX/XXXX/XXXX was never deducted from the account and was not reported on the statement. The following months of statements that were sent listed a positive balance with no other activity on the account. 

On XXXX/XXXX/XXXX I was notified that the account was overdrawn because of a bank error and asked to pay the debt that same day or the account would be closed and reported to XXXX XXXX. I spoke with a rep ( XXXX ) who only wanted payment and did not offer to help me research in any way what was going on. My efforts since then have been trying to understand why it took so long to be notified and why I am being punished for the bank 's error. My account has been charged off, I have been reported to XXXX XXXX as well as the credit bureau and the bank has failed to admit any responsibility. In addition, the original amount is now being inflated to ongoing overdraft charges of {$37.00} each month. The bank made the error initially and should have offered the opportunity for resolution before any negative activity took place, which now results in my financial accounts being impacted. 

If the bank determines there is an error on your account, what is the timeframe for reporting it to the consumer? No one has the answer, but according to FDIC website .... 

" If the bank determines there is an error on your account, it must correct the error within one business day after confirming it and report the results to you within three business days after completing its investigation ( including, if applicable, notice that a provisional credit has been made final ). '' This does not necessarily specify bank errors, so I am unclear as to the manner in which I should proceed with regards to timely error reporting. The bank is unwilling to discuss or agree to removing these charges or giving me a satisfactory arrangement that is fair. I do not feel as though 4-5 months should have passed before this information was presented to me without any regards for mediation. 

From the initial contact on XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I have spoken with the following : XXXX ( team lead ), XXXX ( Retention ),  XXXX ( customer service ), XXXX ( Supervisor ), XXXX ( Escalation department ) at XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THESE ACCOUNTS AND THEY HAVE YET TO REMOVE THEM OR PROVIDE ANY PROOF THAT THEY BELONG TO ME.
Product: Student loan

I 'm XXXX XXXX XXXX, and the principal on my student loan has doubled the amount I borrowed nearly 25 years ago ( $ XXXX for both XXXX and XXXX ). I 've been paying monthly on-and-off ( between deferments ) for about 16 years, amounts between $ XXXX $ XXXX. I 'll restate : I 've been paying my student loan for 16 years, and none of my payments have gone to the principal of the loan, which, if applied correctly, would have been paid off by now. ( I 've calculated I 've paid nearly $ 40K over the span of 16 years ). 

I had federal loans originally. Then I consolidated with XXXX XXXX. XXXX XXXX gouged me with capital interest, then, when they were having legal troubles, cleverly split their company off to the company I now deal with : Navient. 

For someone like me : XXXX XXXX XXXX, been out of college for 20 years, consistently paid what I could throughout the years, there is no hope of help for me. I have literally just given {$40000.00} of my money away. None of my payments have gone to paying my loan. And I am in more debt than when I started college. I believe when XXXX XXXX approached me when I was XXXX XXXX XXXX, I was the victim of predatory lending practices. All I wanted to do was go to school so I could better myself and get a good job. Now I 'm {$100000.00} in debt. I ca n't even buy a home and it has affected my credit. I net $ XXXX a year. I need to CFPB to help me finally resolve this issue -- call it even. I 've paid them {$40000.00} and there is no end in sight. At this rate, I 'll be XXXX XXXX XXXX and still paying on my student loan!!!! There must be a point when loans are waived -- beyond public forgiveness. Is n't there a XXXX threshold? HELP. I 'm drowning in student loan debt.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 those account 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. 


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

I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. the same account is displaying different account types and balance. but still see inquiries on my account, as a Victim of fraud, other institutions, used and complied incorrect information about me with out given consent make corrections to these accounts that did not seem recognizable. these companies did not investigate this mater as I have a written letter to the data furnishers that the information I had got verified with notary did not match their records, there fore they are resorting to report the wrong information. this led to Injury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I demand XXXX complies or i will be using all documentation as evidence to show in court I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Vitim of fraud, XXXX XXXX  did not investigate this mater as I have a written letter from the data furnishers that the information I had got verified notary did not match their records, there fore they are presorting to report the wrong information. this led to Injury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA My address was not updated