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

XXXX  and Experian are reporting incorrectly ( 30 ) days past due on the XXXX XXXX partial account number XXXX. This account has been paid. There is no outstanding balance and therefore there is no past due balance to be late on. XXXX  is reporting ( 30 ) days late on this account showing a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account where there is a {$0.00} balance {$0.00} past due. The Fair Credit Reporting Act guidelines say that an item must be removed if it has not been updated within ( 6 ) months. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Transunion has violated my rights when it comes a public that is on my credit report Bankruptcy. I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. There was letter of verification requests to all credit bureaus certified, documents along with a proven delete report from XXXX XXXX for their file in XXXX and the most recent XXXX in XXXX along with drivers license social security SSN proof of residence, proof of certified receipts, statement letter of my legal name change to XXXX XXXX is pending and an actual proof letter of request to bankruptcy court and the response from bankruptcy court. The only response Ive received in return was nothing stall letters from all credit bureaus. All the credit bureaus are doing copy any paste off each others information without any research which is illegal, falsifying information, plagiarism and can lead to major lawsuits. My question is where did they get their information from if XXXX XXXX found the mistake deleted and the letter from the courts states that they don't give out that kind of information And according to the fair credit reporting act Whenever a 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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. and according to 15 USC 1681s-2 they are supposed to 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

Professional Bureau of Collections Maryland , Inc. 
Phone # XXXX This company contacted my workplace yesterday ( XX/XX/2019 ) and asked to verify my employment, along with other personal information. The receptionist did not answer their questions. 

I have NEVER heard of this company and they have not directly contacted me in any sort of way so I assume this must be a scam. I also looked up the phone number and it was nothing but people commenting on it being a scam. 

I called the number back later last night and they asked me to confirm the last four of my social security number. I let them know that I did not feel comfortable giving that information out to an agency I've never heard of before. She then asked me to confirm my billing address. Again, I told her that I didn't feel comfortable giving that out and asked if she could provide the street number they had on file for me to make sure it was legitimate. She couldn't give me that information so I immediately hung up out of fear of this being a scammer. 

Is there any way to look into this? If I owe debt, I'd like to take care of it. But I don't think this is legitimate or real in any way.. I appreciate your help. This is such a scary feeling.
Product: Debt collection

The first letter received was dated XXXX XXXX, XXXX. It was from a michael scott law offices on Texas. They are representing XXXX XXXX which supposedly bought my XXXX XXXX account.They claim my debt is XXXX but they will settle for XXXX at XXXX a month.
Product: Credit card or prepaid card

PayPal Credit XXXX Synchrony Bank refuses to provide a credit card statement that has a XXXX balance at the end of the billing period, even though there was a beginning balance and activity during the billing period! I believe 12 CFR 1026.7 requires credit card companies to provide XXXX balance statements as long as there is any activity during the billing period ( e.g. payments, credits, charges, etc. ). According to your own web site, I read the following guidelines ; " Otherwise, you should generally receive a statement for every billing cycle in which your account has a credit or charge of more than {$1.00}, or on which a finance charge has been imposed. '' ( see https : XXXX/www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-i-dont-receive-my-credit-card-bill-en-43/ ). When I worked in the financial industry, one of the things we saw that indicated possible fraud on a credit card was a charge and a credit for just {$1.00} or some other small dollar amount ( to test the validity of the account number ). If a customer does not receive a statement, they would likely not even know that there had been suspicious account activity. In summary, my complaint is that PayPal Credit XXXX Synchrony Bank refuses to provide a XXXX balance statement even though there is activity during the billing period.
Product: Credit reporting or other personal consumer reports

XXXX has the year of my Birthday wrong. So I filed my report online on XXXX website. I didnt know you had to put in a Federal Trade Commission report or police report Im XXXX XXXX XXXX and a first time XXXX XXXX So how would I know how to do this stuff. So XXXX wouldnt remove the inquiries or correct my date of birth year.
Product: Checking or savings account

I opened a claim because a merchant over charged me and the service I was asking for wasnt the one they was providing. I requested a cancellation to the merchant ( XXXX XXXXXXXX ) and the service was supposed to start the next day and I canceled the Same day I took it without Leaving the merchant site. I first the merchant Told me they did it, for my records I asked for a cancellation prouf or paper, the merchant started fighting and I told them I will call the police .She told me she wont give me a refund because I stepped out but I was in the front of the office because I was checking on the paper she gave me, she did not explain me anything telling me everything is a email they will send me ( I got a quote from an agent on the phone and I when to the closest place to paid it. The original price I was supposed to pay was {$230.00} ) when the lady I find there charged me {$330.00} because they were already a quote. When I checked I realized she over charged me and that wasnt a service I was asking for. I called immediately the agent who did my quote she apologize to me and told me the company they find for me is not providing it at the moment and she asked me if I would like to cancel and I told her yes, she told me to go back inside and request for cancellation and make sure to get a confirmation paper.Now they told my bank I did not cancel it and I sent my bank the paper stating cancellation request and proof I got another insurance after I canceled it and my bank credited the claim money I opened. I submitted all documents.they tried to lied I sign something but they forgot to put the XXXX I signed but all documents showed everything was on the XXXX I even my bank transactions was on the XXXX .which means they was lying. I gave all all documents to the bank the event didnt check they just closed my case stating I did not give them enough evidence.what else they want than a cancellation paper? Please check attached for documents and all explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have balances on none of my accounts, nor am I delinquent on such accounts. I have written letters to them and the credit bureaus with no resolution. 

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. 

- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX  Account # XXXX, has violated my rights. 
- [ x ] XXXXXXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX  Account # XXXX, has violated my rights. 
- [ x ] XXXXXXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX  Account # 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: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and I have seen XXXX accounts that I was unaware of and did not authorize. I have never lived at those apartment complexes and I don't understand how someone was able to open these lease 's in my name
Product: Credit card or prepaid card

Received unsolicited mail from Amex offering XXXX   signing bonus and other benefits. I applied under my name and not my husband and did not know I would not be honored the email offer. My card was approved and I have proof of their offer via mail. Amex does n't want to honor the XXXX to our account -my husband is on the card account with his own card. I still have not received, signed, activated or used the card and have notified Amex several times by phone, chat that I want them to honor the signing offer. Also have told them I wanted to be approved for the XXXX as I dont have an account per terms and conditions. They refuse to tell me how to file a claim, document my conversations in writing and/or honor the difference in points they offered us.
Product: Credit reporting or other personal consumer reports

Ive been trying to clean my credit file up with the mess thats been happening due to identity theft not XXXX company is being compliant except XXXX I really really need my credit file cleaned I filed FTC reports Police reports and Multiple Complaints here. Im attached my reports to this complaint to have my accounts removed multiple inquiries and accounts were open I paid away some but some I cant bare to keep letting it affect me because of the bad people in this world
Product: Debt collection

15 U.S. Code 1692c - Communication in connection with debt collection. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This is not my debt to pay.
Product: Mortgage

Every other month Loancare send statements telling me I have a shortage just to get extra money from people so a shortage they said I had back in XXXX that had been paid off they are still making me pay on an Esrow shortage that I dont have and I have requested a them to update my esrow and they are refusing to do so so I will have to keep paying for something I shouldnt be paying for.
Product: Debt collection

I have paid a debt from MoneyLion LLC I paid the full amount posted on my credit all though if was well over the amount l owed, but paid it and requested the amount to be removed from my credit. I never received any response from the Moneylion. The certified check was sent to their corporate office from my bank account and sent by check by certified mail via postal services. I have copies of all receipts that I sent to them as, certified check, receipt from bank account, post office receipt check was delivered. I have called MoneyLion to pay the directly to them but they said the information doesnt match and if could not be paid online. The have someone elses information with my information. I dont deserve this treatment
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX ( XXXX ) XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Subject : Request for Assistance in Disputing Negative Information on My Credit Report Dear Sir/Madam , I hope this message finds you well. I am writing to request your assistance in addressing and removing inaccurate or negative information from my credit report with XXXX, Equifax and XXXX. I believe this information is erroneous and unfairly impacting my creditworthiness. 

I have reviewed my credit reports from both Equifax and XXXX and identified several items that I believe to be incorrect or outdated. I respectfully request that these credit bureaus review the information and remove any negative items that do not meet the necessary legal standards for reporting. 

I kindly request that the CFPB act as an intermediary to communicate with Equifax and XXXX to resolve these issues. Your assistance would be invaluable in helping ensure that my credit report accurately reflects my financial history and complies with all applicable regulations under the Fair Credit Reporting Act ( FCRA ). 

Please let me know if any additional information is required from my end to facilitate this process. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to my dispute. 

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

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, GA XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$680.00}, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I took out a payday loan several years ago through XXXX XXXX XXXX. During that time, things were fine, until I needed to change to a different bank account because I changed where my direct deposit was going. They told me that there was n't a problem, then they tried to take it out of the wrong bank! When that happened, everything went nuts and I had bounced checks going crazy on that account. This put me in a financial bind and I was not able to pay them, and I had to close out that account. That had to be at least 2-3 years ago. 

I received a phone call today at WORK ( I have told XXXX XXXX that they may NEVER call me there ) from XXXX at XXXX telling me that they were in the process of having me charged with defrauding the state of Florida and writing bad checks. Once this happened, I would be arrested at my place of employment! I told them that they could not call me there, but I would have my wife call them back. When she called them, they would n't give her any information. She wanted their correct name, mailing address, and fax number, but they refused to give it to her or even verify their correct business name. ( They answered the phone as XXXX, XXXX, and XXXX. )
Product: Credit reporting or other personal consumer reports

I am writing to file a formal XXXX regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX my XXXX my XXXX XXXX XXXX XXXX XXXX XXXX XXXX! I demand the late payment reported 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 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

XXXX several occasion I have contacted Equifax Information Services LLC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request on many occasion that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Equifax is reporting XXXX XXXX XXXX credit cards, XXXX credit card, XXXX, XXXX XXXX XXXX, XXXX XXXX, and a Bankruptcy as negative items or deragatory items on my credit report. On several occasion I have disputed these allege item and although Equifax fail to provide me with require information that these allege debt are 100 percent accurate, Equifax still reports these negative information on my credit report. I have receive letters from XXXX stating that they cant provide me with validation on debt, I have letter recent as XXXX/XXXX/15. So if they are sending me these letters how is it that Equifax is stating that allege debt has been verified. Also I have received letters from XXXX stating that they cant validate the allege debt but this negative item is till being reported on my credit files. Equifax needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Equifax is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. Equifax never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. Equifax is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have 100 percent verifiable proof. Now Equifax continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on m y credit report.
Product: Checking or savings account

My account was used to draw {$3500.00} to an unfamiliar account. TWICE. Chase never once gave me any sort of alert that an amount that large was even moving somewhere outside of my account. The way I had to find out was when I couldnt pay for the XXXX to go home. I live check to check and that money was being saved by my boyfriend and I. XXXX is coming up and I just feel so vulnerable knowing a stranger can freely go into Chase accounts like this with ease.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section A section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and On my credit report XXXX has XXXX XXXX  as the original lender and TransUnion XXXX XXXX hasXXXX XXXX XXXX XXXXXXXX XXXX as the original lender. 
XXXX XXXX XXXX as different dates for last activity on my credit report