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

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( TRANSUNION, XXXX, XXXX ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX US DEPT VETS XXXX U.S. DEPT OF VETS AFFAIR 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 UNIVERSITY OF XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX It appears that attempts to collect a potentially time-barred debt that is otherwise valid may not necessarily Violate the Act so long as there is no actual or threatened litigation. ( See Freyermuth v. Credit Bureau SeNices ( 2001 ) 248 F.3d 767. ) However, where, as here, a collection action is instituted, there is a violation of the Act. ( See Kimber v. Federal Fin'l Corp. ( 1987 ) 668 F. Supp. 1480 ; McCollough v. Johnson, Rodenburg & Lauinger ( 2008 ) 587 F.Supp.2d 1170. ) All of these Accounts Report with various INACCURACIES! AND INCONSISTENCIES WHETHER IT MAY BE THE DATE OPEN, THE DATE OF LAST ACTIVITY OR DATE OF LAST PAYMENT, VARIOOUS CHARGEOFFS AND COLLECTIONS ARE LISTED UNDER THE WRONG ACCOUNT TYPE CODE ALL OF THE DATA VARIES FROM BUREAU TO BUREAU WHICH MAKES IT INCONSISTENT YOU HAVE VARIOUS CHARGEOFFS AND COLLECTIONS REPORTING A BALANCE WITH A PAST DUE BALANCE HOW CAN YOU REPORT BOTH IF THE BALANCE WAS CHARGEOFF, THE HISTORICAL PAYMENT GRIDS ARE ENTIRELY INACCURATE AND UNVERIFIABLE Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

U.S. Code1692e.False or misleading representations
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my records, the payment in question was made on time. Attached, I have included my bank statements showing that the payment was processed and cleared before the due date. 
Clerical Error : It appears there may have been a clerical error in how the payment was recorded by the creditor. I have verified the payment confirmation from my online banking records, which shows the payment date and the amount, indicating the account was paid in full on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I do a payment plan with the collection fot the credit card of citibank and then when i paid for one year they want the all amount and in this time i not have the all money to paid. I opened the account in XXXX not in to XXXX. According by law it 7 years in the credit record and i past the 7 years. The same think of bank i moving to XXXX and i closed the accoubt by me.
Product: Debt collection

I received a letter from a company called Credit Collection Services saying I owe them money. First off I never heard of them and do n't owe them any money. 

I sent a certified letter asking for validation of debt within the day 30 period that the letter they sent me said i HAD. 

In the letter I sent them also included a cease and desist clause and to not contact me via phone. 

Credit Collection Services has violated the FDCPA. They have called my house 2 times since they received the letter. That is XXXX violations. Credit Collection Services never sent me proof via validation that I requested. They keep sending me bills and calling. 

Credit Collection Services also has a person name of the bill that I have never heard. Please fine them for their multiple violations of the FDCPA, plus they harassing me.
Product: Credit reporting or other personal consumer reports

I disputed with Experian on XX/XX/XXXX for the accuracy of XXXX XXXX XXXX balance on my credit report. They returned with the response, " The company that reported the information has certified to Experian that the information is accurate ''. 

XXXX XXXX XXXX XXXX, XXXX- Account No. XXXX Due to the recent lawsuit against Experian on XX/XX/XXXX. I insist you investigate as the FCRA Law requires you. I will explicitly say do not accept the findings of the furnishers who do not provide thorough investigation results. Which, I ask that you provide me with exact details. Please delete disputed information within the required timeline of 30 days or less as set forth per FCRA which is federal law. 

I have attached papers to prove the negligence of Experian of reporting an incorrect balance and because of this, the item must be DELETED!. 

They are required to report the accuracy of my report and have not. XXXX obtained the services of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, who notified me of {$35000.00} when Experian is reporting the amount as {$33000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The overdraft that is showing on my XXXX from XXXX XXXX  is not correct from XXXX
Product: Credit reporting or other personal consumer reports

I applied through the XXXX XXXX payment system on their website to have payments split in half every XXXX and XXXX of the month. They have been receiving full payments every XXXX of the month starting XX/XX/XXXX. 

XXXX XXXX  has reported my mortgage payments 30 days late twice, once in XX/XX/XXXX and XX/XX/XXXX. I made both payments on time and presented proof of payments via a XXXX phone call with XXXX XXXX XXXX my personal bank ) and XXXX XXXX, as well as myself. I also provided bank statements to XXXX XXXX  via their secured messaging website showing proof the payments were in fact made on time every XXXX and XXXX of the month through their payment agreement. 

On XX/XX/XXXX XXXX XXXX  responded and told me they will not honor my request to have the derogatory credit reporting retracted. They also state " The contractual obligations are to make full monthly payments on the first of each month. Payments received after the month in which they are due, will be reported to the credit bureaus accordingly. '' Now if this is the case, why do they have payment options on their website to pay in full, the first and fifteenth of the month, or bi-weekly? 

This has hurt my XXXX XXXX tremendously!! I have resulted in legal action, which lead me to the CFPB. I have bank statement proof and a screen shot of their payment options listed in the payment section on their website. I need assistance getting a resolution to this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA-XXXX XXXX/XXXX/XXXXTo : Consumer Financial Protection BureauRE : Capital One Bank, USA Credit Card # XXXXI am member since XX/XX/XXXX and I keep my account good standing all the times.XXXX/XXXX/XXXX I requested credit line. My credit line request has been denied due to XXXX payment retuned credit card account. 
( Letter attached ) I will explain what happened payment has been returned. I have a Capital one Bank Checking accountA/C # XXXX I made a deposed {$570.00} on XXXX/XXXX/XXXX.Same day I process payment {$28.00} mycredit card account. Due to bank error before process the deposit, my credit card payment go thoughchecking account. That 's the reason my payment has been returned. 
XX/XX/XXXX to up-to-date this is the only XXXX payment has been returned. paid that amount following day using same my Capital one checking account. 
So I am so disappointed what they made the decision regarding my credit card Limit increase request. 
I Finally I spoken with card center named called XXXX on XXXX/XXXX/XXXX, she asked me to provide bank letters .I explain same bank and try to investigation my issue. But she dint help me. And she treated me so very badly. I feel like I have been discriminates against my race, national origin and gender. 
Finally I asked to transfer Card center supervisor and he also not provide and positive feedback. 
I need a fair resolution this issue as soon as possibleThanksXXXX XXXX
Product: Checking or savings account

I opened two bank accounts In US bank on XX/XX/XXXX. One checking account, and one saving account. I opened these account because there was a promotion in the bank that for each account I will get {$400.00} bonus if I meet certain criteria. For checking account {$4000.00} direct deposit within three months and for saving {$25000.00} to be kept in the bank for three months. I already met these criteria. 

I opened these accounts after visiting US bank and the person in US Bank promised that I will get these bonuses. Till to-date I did not get any bonus either for checking or for savings account. I talked to the person in bank several times and he told me that I will get these bonuses at the end of XX/XX/XXXX. But still no bonus was deposited. The bank has informed me in XX/XX/XXXX that it will not give me any bonus. 

I am not happy with the US bank as it has not fulfilled its promise. Please help me in getting the bonus. 

The address of US bank is XXXX XXXX XXXX, XXXX, CA XXXX The persons contacted were : XXXX XXXX and XXXX
Product: Debt collection

ABC Solutions, I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the continuous harassment I have been subjected to by your company in relation to a debt that does not belong to me. This ongoing harassment has caused significant distress and inconvenience in my life, and I believe it is essential for ABC Solutions to rectify this situation promptly.

Despite my repeated attempts to inform your company that I am not the individual associated with the debt in question, I have been persistently contacted through phone calls, emails, and letters demanding payment. This relentless pursuit has caused me undue stress and XXXX, as well as wasted a considerable amount of my time and energy in trying to resolve a matter that is not my responsibility.

I would like to bring to your attention that under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for debt collectors to engage in harassing or abusive behavior, including contacting individuals who do not owe the debt. Furthermore, the FDCPA grants consumers the right to dispute the validity of a debt and requires debt collectors to provide accurate and verifiable information upon request.

I kindly request that ABC Solutions immediately ceases all communication and collection efforts regarding the debt in question. I have taken the necessary steps to verify my own financial records, and it is evident that this debt does not belong to me. I expect your company to respect my rights as a consumer and cease any further attempts to collect this debt from me.

I believe that I am entitled to compensation for the distress and inconvenience caused by ABC Solutions ' relentless harassment. I kindly request that your company provides appropriate compensation for the emotional distress, time wasted, and any other damages incurred as a result of this situation. I trust that ABC Solutions will handle this matter with the utmost professionalism and take immediate action to rectify the situation.

Please be aware that failure to comply with the FDCPA and resolve this matter promptly may result in further legal action being taken to protect my rights as a consumer. I expect a written response from ABC Solutions within [ reasonable timeframe, 14 days ] confirming that all collection efforts will cease and outlining the steps taken to compensate me for the damages caused.Thank you for your immediate attention to this matter. I trust that ABC Solutions will rectify this situation promptly and ensure that I am no longer subjected to harassment regarding a debt that is not mine.
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX  XXXX Balance : {$44000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$310000.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$2500.00}
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I was looking online for a loan and I came across this one apparently I have my information through them before but I never actually got a loan I hastily applied then when I accepted I noticed my bank account information was from 3 years before. I panicked and immediately called them the next morning trying to at least change the information they told me I had to wait XXXX business days to wait for it to return to them and that when they receive it back theyll reach out and I would have to do a new application because it during XXXX XXXX XXXX XXXX  XXXX holidays i understand the slight delay but by XX/XX/XXXX they still hadnt contacted me about anything and one the portal on their website was already saying my first payment was due on the XXXX. So I called again asking about that because I hadnt even received the funds so why would be expected to pay back while Im the middle of waiting for it to return to them? The customer rep said to disregard and that they wouldnt charge that date. They said it was still awaiting return to them by this point this is already XXXX weeks or so at this point & nothing i called again on the XXXX and they implied that maybe the bank kept it because I owed money?!! And that I have to contact the bank ( XXXX XXXX XXXX ) to get them to send it back to them? even if I owed the bank I didnt owe them {$800.00} so where would the rest of the money go? And I currently work at a bank Mind you the account closed in XX/XX/XXXX and the loan was sent their allegedly on XX/XX/XXXX over 2 years after this account got closed. now its XX/XX/XXXX I havent received any phone calls except some emails now saying Im behind on payments and that Im past due on a loan I never even received. Im afraid this site is a scam or very sketchy one of the customer reps actually argued with me the interest rate was extremely high for just {$800.00}??!! And then to not even receive it the money anyway Im scared their gon na try to put this in collections & mess my credit up more. They arent even calling to say I owe just sending emails because the account is closed thats linked to the application I havent received the money they claim to not have gotten it back & since they cant charge that closed linked account theyre now saying Im behind on payments and this is attempt to collect a debt. Please help something about this site is not right.
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Credit card or prepaid card

I never been late with this account I working so hard to pay this monthly and this is not acceptable.