23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/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 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. 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2  ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Product: Debt collection

I have never had a XXXX test in this hospital, for months I have tried to communicate with the hospital and the creditor of this debt and I do not receive answers, just as I never received a document or information about this account Creditor Information opened XXXX XXXX {$240.00} Original creditor : XXXX XXXX XXXX as Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ILXXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

1st Franklin Financial ( XXXX, Ga ) is reporting to credit bureau, my payments on a previous account as having been paid 60-90 days late each month. In XXXX they filed a judgement against me, after which, per the terms of the judgement, I paid them on time each month, until the debt was settled in XX/XX/XXXX, and I received a letter from them stating as much. While in the process of trying to obtain a mortgage loan in XXXX, I discovered this discrepancy. I initially contacted 1st Franklin, but was told I needed to file a dispute with the credit bureau. When I did, received notice from XXXX  that it had been verified, so no changes were made. On XX/XX/XXXX, I went into a local 1st Franklin Branch and obtained a printout of my payments, which were all  showing as on time. I then filed another dispute with XXXX, submitting this information as proof. I received a response from them on XX/XX/XXXX, dated XX/XX/XXXX, with payments still showing 60-90 days late. I then visited 1st Franklin again on XX/XX/XXXX for an explanation. I was then told to contact their Quality Assurance dept. It was at this time I was finally told that although I was making payments on time according to the judgement, I was actually still past due, so those payments didn't count in the actual month they were made. After not feeling satisfied with this answer, I was referred the the Regional manager over the XXXX Ga branch. I spoke with him on XX/XX/XXXX, he was very rude, disrespectful, and condescending. He informed me that nothing would change and that I did not pay my debt on time. When I asked why this was not disclosed to me at the time, he just continued to repeat, I did not pay my account as agreed. I do not feel that I was given full disclosure as to the status of my account and how payments were being applied. I never received anything stating I owed anything additional to what I was paying. Print out received on XXXX, does not even reflect this. 1st Franklin needs to update my credit report to show my payments on time as I feel they are in violation of my rights as per the Fair Credit reporting Act and the Consumer Finance Protection Board.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my information was used in Equifaxs  data breaches. This will be a legal action, if Im not compensated for my information being prior exposed in XXXX and also in XXXX, XXXX for yet another data breach. I have previously disputed fraudulent/ unauthorized hard inquiries and accounts with Equifax XXXX I am a dissatisfied consumer and have previously added a a security alert on my credit report due to fraud. All of this has been a nightmare, has been an inconvenience and definitely has limited my trust with the credit bureaus. Tax dollars are being used to provide to credit bureaus so consumers information such as social security numbers, addresses, phone numbers, names, DOB and employer information can be protected. I am requesting for Equifax to give me peace of mind for all of the stress and previous disputes they have received by me or legal action with be conducted. Please see document below which I am affected by another data breach in XXXX from Equifax. I refuse to send any personal information/ documents via mail as this is how personal information is stolen. I am a displeased consumer who should receive a settlement for prior disputes, all inconveniences, data breaches that have exposed my information throughout the Web and across the world to unknown people and sources.
Product: Debt collection

Today as i was checking on my credit report i noticed items that i have never been a consumer of or gave anyone written permission to use my information to take anything out. 
Portfolio Recovery Assosiates is listed as one of these items {$330.00} I am here today asking for VERIFICATION, my original signature of contract or agreement with the company listed above. 
Please note that the company listed above does NOT have a license to do business in my residing state, XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Product: Credit card or prepaid card

XXXX XXXX XXXX, my account was hacked for XXXX someone stole my money from several atms, I reached out got police report and all still Im being treated unfairly XXXX denying my claim, Bank of America prepaid card stole all my unemployment funds Im struggling
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$22000.00XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$18000.00} XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$270000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Mortgage

on XX/XX/ the XXXX XXXX that holds my loan called me and told me they are offering a lower interest rate right now. I asked about it. He said we will get you a XXXX rate from your XXXX rate. It will lower it 200-300 per month. He said he will not charge me closing costs or anything but the XXXX for appraisal fees. I said I can get it lower if I had someone do it. He then came back and said I can get it for no money down today. At closing I will only need my this month mortgage and XXXX for the appraisal fee they will now charge me at closing. When I got the documents it had built in a closing fee that equaled XXXX month of my mortgage payment that I would supposedly not have to pay if they close. The paperwork also told me I cant consult anyone on this. I told the loan guy no I wont do this. I told him he is charging me closing cost and the reason I am not paying a mortgage payment is cause my closing fee is the same amount. I told him to not call me nor text me again. I called my loan officer that I worked with when getting this loan. he told me to XXXX way all the guy and let him know that again. I called the guy back and let him know I do not want to hear from him in any way. Dont offer me any so called deal. I will pay my mortgage each month until I can do enough to refinance it with someone else. He then hung up on me. He then text me and told me my life was complicated and I was stupid for not doing this. I again asked him not to call or text. He text me again and called me a fool. I am now concerned of what else will he do over the next year until I can refinance with another company. I have attached just some of the conversation that this guy said to me. I dont want to ever do business with a company that has no ethics, morals or is so sneaky to XXXX over their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX XXXX Balance {$16000.00}. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$62.00}
Product: Debt collection

I do n't know what happened to my account I had money in and after I left my job I went back to school. I looked into my account and it was negative I do n't see how and I had at least XXXX dollars in it I never got an explanation saying why. It was closed with a negative balance.
Product: Debt collection

To whom it may concern I had XXXX XXXX in a chapter XXXX bankruptcy and in XX/XX/2020 they sent me a letter saying I had to pay even though it was already settled in the bankruptcy last for number of the account is XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was opened in XX/XX/2022 and cancelled due to bounced deposit check. The check that was written for the deposit of the timeshare never cleared therefore, XXXX canceled the contract. Also, the account is reported with incorrect open date, which is re-aging the collection. Equifax is the only credit bureau reporting this account. This account is closed and not a collection.
Product: Debt collection

Ive provided this company through certified mail and return receipt, a written cease and desist notice, and a conditional acceptance if they can produce a validation of claim. This company stated they received information from the creditor, therefore they are a third party stating I owe them something. 
Return receipt was signed for on XXXX XXXX.
Product: Credit card or prepaid card

I have a Citi Case ID given to me by XXXX with Citibank online chat on XX/XX/XXXX Citi Case Id : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried repeatedly, most recently on XX/XX/XXXX via telephone to get an update on this case. 
The issue is, I had {$21.00} in rewards points on my citi card ending in XXXX as of XX/XX/XXXX. Citibank requires a minimum redemption amount of {$25.00} to redeem the rewards. The card ending in XXXX was on a promotional balance offer of 0.99 percent for existing balances through XX/XX/XXXX with new purchases if made immediately being charged an apr of 17.99 percent. It was my intention to make new purchases after the balance transfer offer expired in XXXX to build up the rewards balance to the {$25.00} minimum threshold for redemption as if I made them during the promotional offer they would immediately start accruing interest. I am requesting that citi kindly restore the {$21.00} in rewards points so I may do so.
Product: Mortgage

On   XXXX   XXXX   XXXX    , we refinanced a home with  XXXX  ( d.b.a . Military Family Home Loans ). Because we just today sold the home and pulled out some old paperwork, we reali zed we were never contacted by  XXXX  after we complained during the closing that we had never obtained a  Good Faith Estimate. Thus, when the HUD-1  arrived, we were surprised by some of the numbers. When we told the settlement agent, she advised that we write on the closing documents that a GFE had not been received, and that she would speak with the lender about i t. ( The lender als o said we could delay closing but that our rate lock would expire if we did so. ) If there is anything that can be done at the juncture, we would appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ( XXXX Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XXXX XXXX  responded with a document showing that they NEVER received payment from me since XX/XX/XXXX ( please see attached document showing them saying I never paid ).

I have made payments to XXXX in XX/XX/XXXX and XX/XX/XXXX( Please see attached documentation as proof ).

Furthermore, the noted on my credit reports that the account was closed inXX/XX/XXXX when the account was closed inXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I sent the letter off on XXXX XXXX. Here is my tracking # 's ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX ). To remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act ( 15 USC 1681 ). 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. Also according to ( 15 USC 6802. ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party These are clear violations of my federally protected consumer rights.
Product: Debt collection

I had a XXXX XXXX credit card. XXXX affected me greatly in 2020 and there were several bills including my car payment that I couldnt pay. I even lost my vehicle. I spoke with XXXX and I was supposed to be added to a program and they never added me to it. They continued to add interest and late fees. I tried to settle debt several times of the amount I actually owed like {$400.00} before all fees. They refused. Then they appeared on my credit report. The debt collector sent my acct to a lawyer. Apparently they tried to sue me for {$830.00} over a {$400.00} owed amount but I was never served. I once again tried to do the right thing and settle the debt and the lawyer stated the debt collector wouldnt accept a settlement. So I told them I was disputing the charges on my credit reports bc they refused to settle. All of a sudden a few days later I received a letter from the courts stating they filed a order of nonsuit. I never knew they tried to sue me. They want {$830.00} for a {$400.00} amount owed. I have offered several times the {$400.00} I did owe and they continue to refuse my settlement. And after repeatedly telling them to stop contacting me they continued to do so and threatened me with their lawyer and told me I now would be responsible for that {$830.00} plus lawyer and court fees. I do not like being threatened or harassed. I will no longer be offering the {$400.00} I actually had left to pay. I am willing to settle one last time but not more than {$50.00}. But if they wont accept that then the offer is no longer available and I am ok waiting 7 years for it to fall of my credit reports but I do not wish to be contacted or threatened ever again.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 Equifax, received my dispute for 3 remaining accounts. However, the accounts are not being removed reported as accurate and verified. I contacted each creditor which is XXXX XXXX, XXXX XXXX and XXXX XXXX. They agreed to investigate and remove these accounts. Unfortunately, equifax is not honoring my dispute. Here are facts and factual information to support each dispute alone I will upload the support in the attachment section. Which you can see the inaccurate information and no data on Date closed, Term Duration, No Actual Payment Amount, There reporting two different balances one for {$500.00} and another for {$420.00}. Thats against FCRA LAWS. Each account has numerous of missing information. They refused to update or removed this information alone with these fraudulent accounts. If nothing is changed I will file a small claim with my local justice court system.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : I want the CFPB to publish this description on consumerfinance.gov
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please provide a wet ink contract to confirm the validity of these inquiries or delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022 as well as made a phone call. To remove personal information that i do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is to share my information to third party people. 


These are clear violations of my federally protected consumer rights.
Product: Debt collection

To whom it may concern. 
I noticed a collection on my account and disputed it thinking nothing much of it. It was gone but now I am getting collection like every week on all three credit bureaus. I never had XX/XX/XXXXor XX/XX/XXXX. I am tired of this. They say I oweXX/XX/XXXXXXXX. With all collection total probably like XXXX.