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

XXXX XXXX has reported my account as paid late 30 - 59 days twice wrongfully : 1. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00} my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$650.00} and XXXX XXXX processed the payment on that same date. Given that XXXX in XXXX has 28 days this means that my payment was made and processed on the 28th day and not 30 days or more. By law they should have not reported a payment made before 30 days as a 30 to 59 days late. Now this is reported on all major credit bureaus and XXXX XXXX is refusing to acknowledge and abide by the consumer protection protocols and laws. 

2. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00}. my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$640.00} and XXXX XXXX processed the payment on that same date. Given that XX/XX/XXXX was a Saturday this means that my payment was made and processed on the XXXX but what XXXX did is that they counted the week end and end of business the following Monday and reported my payment to the credit agencies as paid on XX/XX/XXXX.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX {$320.00} - - - Account Information Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$320.00} Original Creditor XXXX XXXX Past Due {$0.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< has violated my rights. 

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

I have reached out to this debt collector twice now to find out what in the world these items are on my credit report. They are reporting that i have something in collection with them and are not responding to my requests to verify. I first sent my request to verification through the credit bureaus, and then the letter attached most recently. I have given them MORE than 30 days to respond, and I am done asking. I need you to investigate this. I have no idea what it is, what its for, or what else to do to find a resolution. This needs to be deleted from my report.
Product: Payday loan, title loan, or personal loan

Preferred lease was mailed a check in the amount of {$280.00} for the 90 day payoff on my lease. They kep saying it was not recieved. The check was mailed from a title company as I inlcuded it in my home closing. I kept calling and they said it was not there so my 90 day payoff deadline arrived. I did not want the lease/loan extended with added interest so I paid out of pocket with a debit card because my check supposedly had not arrived. I went back to the title company to have them cancel the check and low and behold Preferred Lease had processed my check on the prior to my debit card payoff. I then requested refund 3X to which I was told is was approved on the XXXX of XXXX and it would go back on my card ending in XXXX. Please pull this phone call it was on the XXXX of XXXX. The last CSR I spoke to on XXXX is now saying it was never approved and can not be returned on to my card. I will attach the processed check, Preferred lease owes me {$280.00}. They ended up firing the manager that was supposed to approve my refund, it was never approved. None of this was ever told to me. I have called 5+ times, and I just want my money back ASAP. XXXX, was extremely rude and condescending I really don't appreciate her calling me a XXXX and saying I did not have a refund.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/2023, and I have not yet received a response. ''
Product: Debt collection

Credit Collection Service is currently reporting an account on my credit report that I do not recognize or owe. I have reached out multiple times, requesting debt validation as per the Fair Debt Collection Practices Act ( FDCPA ). Despite my requests, Credit Collection Service has failed to provide any documentation or proof that the debt is valid or legally enforceable. Their lack of response is a violation of my rights under the FDCPA, and it is unjustly damaging my credit score.
Product: Debt collection

XXXX loan has been paid in full and need to be removed from my credit report. Debt is reporting negatively on my report.
Product: Credit reporting

Transunion is reporting a payday loan from XXXX on my credit report which it has been reporting since XX/XX/XXXX. I am a resident of Pennsylvania and according to Pennsylvania law it prohibits payday lenders from charging interest rates and fees that aggregate in excess of 6 %, pursuant to Section 201 of the LIPL, 41 P.S. 201. Any unlicensed payday lender engaging in internet lending to Pennsylvania residents is not authorized by Pennsylvania law because it violates the CDCA and the LIPL. According to my credit report my amount borrowed was {$800.00} and I was due to pay {$1300.00} back which I 'm sure is well over 6 % which would make this loan illegal. I have disputed this account with Transunion numerous of times over the past 2 years and it has been verified every time. In XX/XX/XXXX I mailed my dispute in stating that this loan is illegal which made it void and unenforceable and should not be reported but Transunion would not delete the account. About 40 days later I mailed in a follow up letter to the company and CEO of the company yet this account still remains. I would like to know what type of investigation Transunion did for my dispute because according to the Fair Credit Reporting Act all information reported by a credit agency should be accurate. I understand that Transunion relies on information from the furnishers but if I notified them numerous times that this account was illegal Transunion should have reviewed its procedures to ensure accuracy. I believe that Transunion is in violation of the Fair Credit Reporting Act and I am requesting that this XXXX be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX .... balance : - ; XXXX XXXX  XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$6400.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX  XXXX .... Balance : {$4400.00} ; XXXX XXXX XXXX .... Balance : {$2100.00} ; XXXX XXXX XXXX .... Balance XXXX {$2100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have about 13 or 14 hard inquiries on my credit report that i didnt not give authorization. All inquiry dates shown below i have not given authorization. 
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
Product: Credit card or prepaid card

I bought a gift card from XXXX for XXXX $ and it had XXXX balance when I went to use it. It was very embarrassing. Usually you should be able to just cancel and get a refund but I have sent multiple emails and the phone number no one answers to. My email registered to the account is XXXX. I know its very little but I think they should be held accountable for their mishap. A response would have been suffice but its just bad customer care to ignore all my emails. Thank you for your time.
Product: Student loan

Regarding the XXXX XXXX XXXX XXXX program, FedLoan Servicing sent me ( and thousands of other borrowers ) erroneous letters labeled " PSLF Application Results '' that contain this line : " The charts above display the total number of eligible and qualifying payments you have made ( out of the required XXXX ) on your eligible loans for XXXX and XXXX, including any periods we have assessed as eligible or qualifying under the Limited PSLF Waiver. '' This information is incorrect and misleading, as the Department of Education has not yet applied the XXXX XXXX XXXX payments to most borrowers ' accounts. 

Since I just reconsolidated my loans to get the highest payment count on all my loans, my qualifying payment counts went from around XXXX and XXXX to XXXX. I also have at least XXXX to XXXX old payments that should qualify under the XXXX XXXX XXXX. 

I understand that it's taking some time for the Dept of Ed to apply the waiver to so many accounts, however, it is incorrect and distressing to borrowers to get letters from their loan servicer saying that the waiver payments have already been applied.
Product: Debt collection

In XXXX XX/XX/2015, I received an alert that a new entry had been made on my credit reports by XXXX XXXX for over {$7000.00}. When I viewed my report, it only said that the original creditor was XXXX XXXX, but no additional information. Through the credit reporting agencies, I asked to verify the information. 

Additionally, I researched the company online and located several numbers that either had recordings ( I left messages ) or no answer. I located only XXXX email address and sent an email requesting a copy of the original bill. None ever was received and I had no contact from them. 

In XXXX, I contacted the Better Business Bureau. They received a response form XXXX XXXX saying that they would contact the original creditor for the bill and forward it to me. It has been over a month since then, and I 've received nothing. 

To date, I still have no idea what this debt is, when it originated, nor who it is from.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. So if that's the case. How did the credit bureaus edify my XXXX  as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

Reference XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$1800.00} ), XXXX ( XXXX XXXX XXXX XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX ( Date XXXX XXXX XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX ( Date XXXX XXXX XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX ( Date XXXX XXXX XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX ( Date XXXX XXXX XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date XXXX XXXX XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX ( Date Opened XXXX XX/XX/XXXX, Balance : {$0.00} ), Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have just beat it a collections account that is inaccurate on my account for months now with no action taken by Experian. They've been sent letter certified mail and other documentation both mailed and uploaded into their system and attached to multiple cfpb complaints. They're investigations are taking 60 to 90 and even 120 days with no solutions or resolutions. While item is being disputed it needs to be removed during that process when a letter is sent. This has not happened by Experian. Disrespectful unhelpful and downright nasty when I call them. Under Fair credit reporting I am within my right to sue them for disputes taking longer than 30 days. 

I have provided them evidence of my identification in multiple ways multiple times including you can see a copy of my driver 's license in one of the attachments that I sent to them VIA mail and uploaded to their system. Letters, calls, evidence and on and on. It is enough. XXXX XXXX XXXX have failed to provide me the validation of debt nor have they provided this to experience. XXXX and XXXX both have followed the law and removed this creditor from my credit reports. Experian is the only one refusing to do so. 

Case law to support- XXXX XXXX XXXX XXXX XXXX XXXX 

This is my last attempt before filing a motion in court to sue under FCR.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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
Product: Credit reporting or other personal consumer reports

There is no consistency in the data entry of these reports. 
15 U.S. Code 1681s2 a ) Duty of furnishers of information to provide accurate information ( XXXX ) 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Product: Debt collection

On XX/XX/year> I received an validation letter stating that the account was charged off and XXXX XXXX XXXX was no longer collecting on the account I did dispute this many times with XXXX  XXXX and also let them know that the information to the debt is not mine they requested me to give them my updated information which I did not agree to due to me not owing this debt. So on XXXX XXXX they claimed to sent me written solicitation for a pre approved credit card which they claim they sent to XXXX XXXX XXXX XXXX, Ohio XXXX XXXX. which is never been my address and they claim that a XXXX credit line was open in my name and a charge to a page plus account in the amount of XXXX on XXXX XXXX and also listed a phone number that's not mine or was never mine. on this statement they claimed to have sent it to the above address on XXXX XXXX. They have also stated they sent it to a collection company and was no longer financial interested in the account once I started to question them on my information. they are claiming I need to contact Midland funding llc who does not have correct information and wants me to give them correct information
Product: Debt collection

I have repeatedly told the collections agency please do not call me at certain hours. I do not have any recollection of such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX and Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate By the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX and Equifax are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed many times with Experian To respond to me and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtor 's full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. It is quite clear that someone from ( EXPERIAN ) lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ) .As you know, it is also a violation of the FCRA XXXX report inaccurate or unverifiable information on a credit report.
Product: Debt collection

They called my work today XXXX/XXXX/18 around XXXX PST and asked to talk to my supervisor regarding enforcing a contract I agreed to. There is no wage assignment or court. They are not allowed to talk to my supervisor regarding my debt and the message for my supervisor that they were trying to enforce a contract on me was clear it was a debt collector. The call back number is XXXX XXXX XXXX. This is humiliating for my supervisor to know I have an unpaid debt and they even asked about the owners of the company. I have told them in previous calls I can not talk at work call my cell phone.
Product: Vehicle loan or lease

i 've asked how many days in the billing cycle ending  XXXX   XXXX  ( this would be  XXXX   )  you said they vary..i know this tell me exactly how many days in the billing cycle  XXXX    XXXX    XXXX    XXXX   how much applied to interest ... how much applied to principal
Product: Checking or savings account

On XX/XX/XXXX I called Chase Bank ( passing all personal Identifications ) and requested to close my checking account immediately. I also requested to refund a monthly service fee that was charged on my account on XX/XX/XXXX. I wanted the fee to be refunded on the basis that I was closing my account within the next boiling cycle after the fee was posted. Chase did not close my checking account as I demanded. Instead the kept the account open and on the next day, XX/XX/XXXX, they charged another monthly service fee on the account that I closed.