23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

There was a workers comp medical bill submitted to the XXXX ( workers comp insurance company ) back in XXXX. They somehow managed to mishandle that payment and I then received a collection notice in XXXX. I finally got ahold of XXXX and they apologized and promised to take care of it. After an entire year of trying to get this resolved XXXX swears the check is in the bank to the department of treasury as of monday. I submitted a dispute to Equifax showing that this was a workers comp bill and i was not responsible for this bill XXXX was. I also submitted copies of the emails back and forth from the military hospital and XXXX from XXXX, stating from XXXX they would handle the bill. I also sent Equifax copies of the emails from the last year showing XXXX apologizing for the mistake and promising to fix immediatley to prevent credit report damage. 
equifax then did thier investigation and said that department of the treasury verified the collection and they would not remove the negative information. Even though they have and acknowledged that this is a workers comp debt and they have the documentation showing the insurance was responsible. Equifax , after an hour on the phone even said that even though i sent them proof that i was not responsible for the debt, they will not remove the negative information because the " creditor says it is valid ''.
Product: Checking or savings account

I opened a checking account in citi bank with a XXXX number. They blocked my account for no reason and i cant unblock it, they cant send message with the code to an international number and im XXXX  gerting the code by phone call either. I gave them all the information they requiered to verify im the owner ( pasport number, sevurity question, etc )
Product: Debt collection

It was reported by I.Q. Data International that I owed a debt of over {$2800.00} for the property XXXX XXXX in XXXX, FL. I contacted I.Q. Data International on XX/XX/XXXX and explained that my statement of deposit from XXXX XXXX indicated that I owed {$1300.00}. I provided a copy of the statement by email to management, XXXX XXXX, on that date. I subsequently made 2 payments equal to {$1300.00}. I was told that this would close my account and they would mail me a receipt and do a " Pay to delete '' of this account from my credit report. After 3 weeks of no correspondence with I.Q. Data International, I called to inquire why there were no changes to my account. I was told that the original owner of the debt, XXXX XXXX, would need to concur that this debt was paid and they had no communication from them. I was also told that they could take as long as they wanted. I then reached out to XXXX XXXX on XX/XX/XXXX, where I was told that my debt was to the previous property management team, XXXX XXXX. The property has been under new management since XXXX of XXXX and there is no record of my debt with the new property management. I have contacted XXXX Properties and have been unable to reach anyone other than a answering machine. I have emailed twice to email XXXX with no response. I would like my account to be resolved as promised and removed from my record.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX 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 credi
tor 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. 


EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I looked t my report, and noticed some things are incomplete and inaccurate. And according to the fair credit Reporting act whenever a consumer reporting agency prepares a consumers report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX  : # XXXX, XXXXXXXX XXXX XXXX  : # XXXX, XXXXXXXX XXXX XXXX  : # XXXX, has violated my rights. 


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, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because 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
Product: Credit reporting or other personal consumer reports

I recently reviewed again my Experian, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on my recent complaint dated XX/XX/XXXX. To my dismay, I have received no response from your office regarding my previous attempts to address numerous errors and fraudulent information affecting my credit reports. This complaint serves as an urgent follow-up, seeking your assistance in preventing further harm to my financial standing caused by these malicious items. Despite my diligent efforts to rectify these issues with your Credit Bureau and the carefully crafted letters I have sent to your office, I have encountered only silence in return. Moreover, the same disputed items, which I vehemently challenge, have resurfaced in my most recent credit report, highlighting a clear display of negligence and incompetence. Below, I outline the distressing list of items that I am once again seeking to dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

gm financial is reporting late payments on my account XXXX my account is set as auto pay. copy of confirmation of auto pay was provided to gm financial advisor. in early XXXX XXXX with the help of gm financial advisor same information was re entered and payments were made. late payments fee were removed and i was assured that account will reflect timely payments. now today ( XX/XX/2021 ) i am informed by XXXX  that late payment is reported. 
i think it is very unfair. I take my financial obligations very seriously. I am currently leasing two XXXX XXXX. i love driving gm products. gm financial please remove negative information reported incorrectly. Many Thanks.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written or non written verbal or non verbal I am now resending that authorization via 15 U.S code 6802 effective immediately and indefinitely. The law states that I have the right to opt out of anything being reported on my credit report. XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX XXXX I would like to opt out of all these being reported on my credit report. I expect prompt compliance with this request and confirmation of the opt out within 30days. failure to comply with this request may result in further action being taken to protect my rights under the law.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted as followed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these accounts have been charged off as profit loss write offs and by law with accounts being over {$600.00} I was suppose to receive an 1099 from all companies in the mail which they have failed to do so how can I be charged for debt that has shown clearly it has been paid with write off and 1099s not mailed by law as stated. 
The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom this may concern, accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting or other personal consumer reports

I WAS NEVER GIVEN THE OPURTUNITY TO OPT-OUT OF HAVING MY INFORMATION SHARED WITH A THRID PARTY AGENCY. THEREFORE, MY INFORMATION SHOULD NEVER HAVE BEEN SHARED. I AM REQUESTING PROOF THAT I WAS GIVEN THE OPPURTUNITY TO OPT-OUT OF HAVING MY INFORMATION SHARED. THIS LAW IS CLEARY DEFINED BELOW : ACCOUNT IN QUESTION : XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, THE LAW CLEARLY STATES : ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information NOT BE disclosed to such third party ; and ( C ) The consumer is explained how the consumer can exercise that nondisclosure option. 

A. XXXX AUTO DID NOT disclose to me the consumer that the information reported would be disclosed to the third party the consumer reporting agencies. 

B. XXXX AUTO DID NOT give me an opportunity to direct such information not be disclosed. 

C. XXXX AUTO DID NOT give me, the consumer, an explanation of how I could exercise the non-disclosure option. 

The law basically states if ALL XXXX of these disclosures were not provided to me that this is a direct violation of the law and I have the right to exercise OPTING OUT. 

ALL these XXXX disclosures were NOT MET, therefore, I am demanding to OPT OUT of having my information reported and demanding the reporting information to be UPDATE TO PAID AS AGREED on my XXXX and Experian consumer report OR I will seek to take legal action against your agency for willfully violating the law after I've clearly explained to you how you've violated me. MULTIPLE VIOLATIONS of 15 USC 1681n- willful non-compliance is well in play here, {$1000.00} per instance of implied damages and much more for actual damages as clearly outlined within the title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several correspondence to each company and as of today no response has been given. Im starting to feel like a number rather than a person. I noticed these inaccurate recently and I researched how to get these removed and in doing so I found my information was compromised in the XXXX data breach. Now more than ever I fear my information has fallen into the wrong hands. Please assist in helping me get through this.
Product: Checking or savings account

I deposited a personal check for {$27000.00} on XX/XX/23 - I was never advised there would be a hold. A few hours later I received an email notice stating that a 10 day due to specifics that it " may not clear '' - On Monday night the check cleared the signers account and she received confirmation of such. I went into the bank on Monday XX/XX/23 and was advised they wouldn't remove the hold because of they reason - when I inquired as to the reason he didn't know but per his manager XXXX - they wouldn't remove the hold and I would need to wait until XX/XX/23 for the funds to become available. Inquired why the continued delay when the Check XXXX clearinghouse process made it faster for funds to clear - The funds have been debited from the signers account- so Bank of America will sit on my funds for 9 additional days just because?
Product: Student loan

I called and spoke with an Aidvantage customer service representative and their supervisor on XX/XX/XXXX. I noticed that my loans did not correctly show " in school status ''. Aidvantage refused to correct it I also spoke with them about the same issue in the fall of XXXX, and it was still not corrected. I was told that I would receive a paper form to be filled out in XXXX hours. I never received the form. I sent a follow up email to Aidvantage about the ongoing problems on XX/XX/XXXX and to the US Department of Education, I have not received and email back from either. I paid to have XXXX update my status to in school and resend it to Aidvantage. Aidvantage updated XXXX of XXXX loans to show " in school ''. On XX/XX/XXXX I attempted to call them, but was told their offices were closed despite it being during normal business hours as listed on their website. I sent another email to them asking it to be fixed, but I am still being charged interest erroneously on the subsidized loans while in school, and now they want me to make payments on them, even though I should not have any payments due until I graduate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section XXXX XXXX XXXX  ).

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 XXXX  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

I Spoke with LexisNexis about inaccurate information that they have been reporting to the Credit Bureaus. They have been reporting a Bankruptcy saying that they got the information from the Courts and XXXX. However ; I have documents from the bankruptcy Courts and an Email from XXXX. Stating Bankruptcy Courts do not report or furnish information to any Consumer Reporting Agencies. They are also not responsible for verifying or validating information in Consumers Credit Reports.
Product: Credit card or prepaid card

I fell behind in my credit card bill ( high interest 22 % ) in XX/XX/XXXX. I spoke with representatives in late XX/XX/XXXX and early XX/XX/XXXX to get onto a payment plan to get up to date with my bill. I also attempted to close my account and go onto a payment plan due to my financial hardship ( as I had done with other companies ). The representative told me to call back in a week as I did not qualify for their plan but given no reason. I called back in a weeks time but they would not offer any solution. I would pay the bill when I could but can not catch up due to the high interest and back payments. I have continuously called Capital One for weeks to join a payment plan but they continue to tell me to " call back in a week and see if I qualify then ''. I've spoken with managers and the executive office but nothing. My bill continues to fall behind despite trying to resolve this issue and I am at a loss and will not be able to pay my current past due balance and considering bankruptcy with no resolution despite my best efforts. I filed a complaint with the CFPB to try and deal with this abhorrent customer service and receive a call from the company. The first call in late XX/XX/XXXX with the executive office disconnected with no assistance but to say " call back in a week ''. I finally spoke to a representative who put me on a " workout program '' which lowered my interest and established a reasonable 60 month payment program. Believing I finally have resolved this issue I was surprised to receive a letter two days later saying I was ineligible for the program. My account continues to be past due and I can not pay the past due. They need to work with their customers who are trying to pay back their debt. This is unacceptable.
Product: Debt collection

This company has sold the account and so they will start calling and harassing me. XXXX is out on the CCard company. Now they sent to a collection agency. They would not speak to me because I had filed harassment to this company. They would call startong at XXXX and not stop all day.