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

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Date Opened:XXXX Balance : {$700000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$490.00}, XXXX XXXX XXXXXXXX Balance : {$210.00}, XXXX XXXX XXXX Balance : {$820.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 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.

CONSUMER PORTFOLIO SVC 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 went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I dont know where they come from please remove them as well 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 . I have reached out to FTC and my local police department and I am doing this on my own behalf.
Product: Credit reporting or other personal consumer reports

My account with 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 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 my 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 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

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 : Account # XXXX XXXX XXXX has violated my rights. 

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: Debt collection

My actual issue was not listed above, however what happened was that I was sending small payments to Florida XXXX. That was n't good enough for them so they turned my account over to XXXX XXXX XXXX XXXX. When I finally sent written communication to XXXX attempting to have them contact the hospital on my behalf to find out if the hospital was willing to do a " professional courtesy '' or negotiate a payment, XXXX completely ignored my request/attempt at communication to resolve the debt through them. I received no answer to my letter whatsoever after requesting the above. The next thing I know. I find that XXXX has now turned my account over to an ATTORNEY, Kevin B. Wilson Law Offices in XXXX, TN, acting as a debt collector on their ( XXXX ' ) behalf. XXXX DID NOT INFORM ME that they would be turning my account over to an attorney for collection even though I tried to get them to answer my letter regarding negotiating payment. Now I 'm expected to pay this attorney {$880.00} on TOP of my existing debt when it would have otherwise been avoided should XXXX had treated me FAIRLY and not abused me in this way by denying to respond to my communication. The attorney 's letter states, " Contractual attorney fees, as provided for in your agreement with our client, have been added to the amount owed on this account. '' Well, in NO way, shape or form was I made aware of any agreement that stated such and it is not provided on the copy of the original statement of debt from XXXX. I was treated unfairly and feel I am a victim of their oppression where otherwise their cooperation with my attempts at communication would have prevented these additional costs to me, which I feel I legally should not have to pay because I was NOT told about them and have not been previously provided a copy of such " agreement. " Here is a copy of that statute regarding unfair treatment and oppression. 
" XXXX. Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ... '' When XXXX refused to assist me by not answering my written communication attempting to resolve my debt, THAT IS oppression and unfair to me. 
On the back of XXXX XXXX XXXX XXXX ' statement, they have printed their policy, if you will, as follows : " Our staff is trained to provide a high level of professional assistance to consumers and we expect each person to be treated with dignity and respect. '' Unfortunately, that is not the way I was treated at all. Please do something about this. I am so stressed out that I ca n't think of anything else but the extra money these people have cost me!
Product: Credit reporting or other personal consumer reports

Section 15 USC 1681 ( d ) ( 2 ) ( A ) ( I ) states that transactions between the consumer and the person/corporation generating the report is NOT included in the consumer reports. However, Experian is currently including this information. This inclusion of excluded data, as outlined in 15 USC 1681 ( d ) ( 2 ) ( A ) ( I ), represents a clear violation of Metro2 compliance standards. I am requesting the Metro2 compliance disclosure regarding the reporting of transactions to a consumer reporting agency. Specifically, I need the transactions reporting as late, collection/charge-offs, and ANY other derogatory information from my consumer reports, deleted from my consumer report effective immediately. 

Please do not respond with this account being " validated '', I want to be clear I am not asking you to validate or verify anything so please refrain from responding with these tactics that waste my valuable time. It is important to note that these accounts have been designated as being in collection/charge-off status WITHOUT providing me with a copy of IRS Form 1099-C, which is required for Cancellation of Debt. This action by Experian and the creditors who are reporting collections/charge-offs, late payments, and other derogatory information in my consumer reports is in direct violation of 26 USC 6050P, Returns Related to the Cancellation of Indebtedness by Certain Entities. 

If the derogatory account information is not removed from my consumer reports within 15 days, I will have no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all persons/corporations involved.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the inaccurate reporting of late payments on my credit reports by the three major credit reporting agencies ( CRAs ) : XXXX, XXXX, and TransUnion. Upon a thorough review of my credit reports, I have identified several discrepancies that I believe constitute a violation of my consumer rights as outlined by various consumer protection laws.

The discrepancies in reporting are as follows : XXXX : - XXXX XXXX XXXX XXXX reported as XXXX days late in XX/XX/XXXX - No data reported in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX days late in XX/XX/XXXX - No data reported in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX days late in XX/XX/XXXX - Account closed in XX/XX/XXXX XXXX : - XXXX XXXX XXXX account reported as on time in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as on time in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX days late in XX/XX/XXXX TransUnion : - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - No data reported in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX days late in XX/XX/XXXX - No data reported in XX/XX/XXXX These inaccuracies are not only detrimental to my creditworthiness but also directly violate the consumer protection laws that safeguard accurate credit reporting, including but not limited to : - Fair Credit Reporting Act ( FCRA ) - Fair and Accurate Credit Transactions Act ( FACTA ) - Consumer Financial Protection Act ( CFPA ) - Equal Credit Opportunity Act ( ECOA ) According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, credit reporting agencies are required to maintain accurate information and investigate disputed items on consumer credit reports.

I demand that the late payments on the XXXX XXXX XXXX account be promptly reversed to reflect the accurate status of " paid as agreed '' or " current. '' Failure to rectify these inaccuracies within a reasonable timeframe will compel me to pursue LEGAL ACTIONS against the CRAs for non-compliance with federal consumer protection laws. THE CRAs & XXXX XXXX XXXX ARE BREAKING THE FCRA LAWS AND THE CONSUMER LAWS! THERE ARE INACCURACIES WITH EACH BUREAU! VIOLATIONS! I WILL TAKE LEGAL ACTIONS FOR THE INACCURACIES.

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take swift and decisive action to ensure that my consumer rights are upheld and accurate credit reporting is maintained.

Thank you for your attention to this matter. I anticipate your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY RECEIVED MY CREDIT REPORT, AND I NOTICED THE INFORMATION ON THE REPORT DOESNT BELONG TO ME. PLEASE REMOVE ACCOUNTS AND INQUIRIES AND SEND AN UPDATED COPY OF MY REPORT.
Product: Bank account or service

Good day, I pay XXXX for several products through XXXX pay and it is through my credit card and the bank 's auto-payment system. 
So, the transaction in question is for XXXX XXXX payment made by the First National Bank XXXX XXXX XXXX ; it was made by the banks records on the XXXX amount XXXX this was for the XXXX. So, then XXXX and I found out i was charge two time for the same software and they reimbursed me that was posted into my account on XXXX XXXX, 2016 Now then when XXXX went to bill me for the XXXX music bill that was due they were turned down. this is what is at issue. I had the funds in the bank and yet First National Bank still does not understand what it is that happened. I do have a paper trail and screen shots and emails to this effect. i would like some one form the banking comis to look at the banking practices of this bank as there is something really wrong here if the bank ca n't understand something as easy as this trans- action and did not pay a direct payment yet, took the funds from my account as it is posted on my on-line banking statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that TRANSUNION still indicates my dispute of information in my credit report. As of XX/XX/2022, TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check payment history, date open, last activity, and Status of XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5200.00} I believe it was reported in error.
Product: Debt collection

A collection of {$2400.00} with XXXX XXXX XXXX that had an initial collection year of XX/XX/XXXX has been added to Experian Report again. Now it is showing as a recent collection from XX/XX/XXXX and I believe this is a Debt that had been removed from my credit report back in XX/XX/XXXX due to the collection agency not being able to verify and validate it was my debt. This debt was initially put on my credit before i was even notified and i fought it then and it was removed. Now it has popped back up 6 days ago in XX/XX/XXXX without any knowledge to me this was still an ongoing issue. I do not want to contact them again due to the harassment i dealt with then but i do feel that i should have been notified. I feel as they violated my rights by adding it back without notifying me at all and i want it removed. I have lived in the same home for over a year and had the same contact information longer than that ( Phone, Email, ect. ) Please have them remove this as they were not  able to validate then and this should not be an issue with peoples credit that they are able to just add collections whenever they feel like it. This is Illegal activity alot of people deal with.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX Date XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt disputing with Equifax, XXXX and XXXX. They continue to violate my right. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.
Product: Credit card or prepaid card

Every month when my payment is due I'm locked out of my account and get transferred to numerous places and countries trying to get access. They never gave me my store card so I have no idea what the number is. This is now the 4th month, 3rd since escalating to the " executive department '' that this has happened. I still do not have any idea what the card number is and can not get access to my account. I'm not XXXX I write down the login and passcode and it works right up til a day or so before the bill is due. It is my belief that they are doing this intentionally. They promised to waive the late fees on this and didn't and none of the issues have yet to be resolved. I ask to speak with managers and they tell me Wells Fargo doesn't have any. Please help.
Product: Credit reporting or other personal consumer reports

This account status is closed on XXXX and has been for a while. However, XXXX and Transunion continues to report the account as open. Since the same data furnisher is used, these accounts are inaccurate. This inaccurate information is reporting and is hurting my ability to obtain credit. XXXX and Transunion failed to investigate this account properly and their neglect has violated my rights. I am demanding a deletion of the following accounts : 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
Product: Debt collection

Portland Credit Inc, also known as Fidelity Collections took exempt funds from my HSA ( Health Savings Account ) and charged a fee for doing so also. In the state of Oregon, HSA accounts are exempt accounts. I submitted a complaint regarding this and also attached my HSA statement with the complaint however XXXX ( the collector ) still refused to honor it and demanded that I go to court to have a judge determine that my funds shouldnt have been taken. I went to court on the XXXX of XXXX 2015 and it was determined that ALL funds must be returned to my HSA account including the erronious fee charged for taking the funds. I still have not received my funds back and I have given ample time for them to comply. I am still being adversely treated by this company and I need those funds to pay for my childrens medical bills. I am also losing interest on my funds not being in my account. Not only has XXXX incorrectly handled my account by not providing federal disclosures or properly verifying my identity when I called before discussing detailed debt information, she has purposely witheld my funds even after being made aware that the funds are exempt and required me to lose wages by having to go into court to show a judge what I 've already provided in my initial CFPB complaint. She has placed a Lien on my property for a debt that is below the amount of XXXX dollars which is not at all how collection agencys treat people with debts. I not only have already had my personal information shared within that company due to my XXXX, but I have been also charged fees that have nothing to do with the debt itself. This company is being extremely and overly aggressive of my debt due to the fact that I have my XXXX and more than likely providing false claims and information about me to make them attack me more aggressively than any other person they are trying to collect a debt from.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.