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 XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

The wrong information has been uploaded to my credit report and is causing me to have bad credit and many denials
Product: Credit reporting or other personal consumer reports

I was late in making a payment. I submitted payment to pay off the account balance in its entirety. After I made the payment they processed interest due on the late payment. They reported that interest due as the account being delinquent to the credit reporting agencies. 

I called XXXX XXXX  XXXX and spoke with their customer representative and went through the sequence of events and asked why my account was reported as delinquent, when it clearly was never delinquent. His response after reviewing the account information was that he could see the account was paid but their systems are set up at corporate level and he could nothing about it. I asked to speak to a supervisor, was told none were available but one would contact me within XXXX hours. I never received a follow up phone call from anyone at XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate how quickly you took action and how successfully you got rid of some of the bad things that were previously on my credit record. I think there are still problems with my file that need to be fixed for the time being. I thus request that all erroneous information mentioned in my credit file and attachments be immediately corrected. 
XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX OF XXXX Account Number : XXXX
Product: Debt collection

To Whom it May Concern : I am writing this letter in response to the phone call/letter received from your company dated XX/XX/year>, in regards to {$610.00}. In conformance to rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with the validation of the debt you are speaking of. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statue of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter from Barclays about my Master Card credit card that was being closed because of inactivity. I had not used the credit card in several months. However, I had {$10.00} built up as cash rewards. On XX/XX/XXXX I had been told at the number XXXX, if my card was closed, they would mail me a check for {$10.00}. I put the card away and kept using the credit card I normally use which is not a Master Card. I called the XXXX number onXX/XX/XXXXnd spoke to a XXXX, Manager. He said they could not give me the {$10.00} because I did not have {$50.00} built up. He reinstated my credit card and put the {$10.00} back on it. He was real nice ; however, I think they should have sent me the {$10.00} as the person on XX/XX/XXXX had told me.
Product: Credit reporting or other personal consumer reports

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. 

These inaccuracies constitute a violation of the FCRA. I request an immediate investigation and correction of these errors. Please provide written confirmation once these changes have been made. See attached Credit Disputes that were sent to XXXX, XXXX and Transunion on several occasions. 


Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft as a result of the Equifax data breach that took place from XX/XX/2017 to present. As a XXXX, this incident has cost me countless opportunities for funding and assistance due to Equifax 's negligence. 

The Equifax data breach exposed my sensitive personal information, including Social Security number, Driver 's License, birth date, and address etc., This information has been used by identity thieves to open fraudulent accounts, make unauthorized purchases, and damage my credit score. 

As a result, I have faced significant financial losses and difficulties accessing financial aid or loans. The consequences of this identity theft have had a major impact on my life, making it difficult for me to pursue my educational goals and causing me unnecessary stress and hardship. 

I have spent countless hours trying to repair my credit, made numerous phone calls to financial institutions and credit bureaus, taken classes on identity theft prevention, and spent significant amounts of money on identity theft protection services. Despite my efforts, I will forever need to look over my shoulder, constantly worrying about the possibility of further identity theft and its consequences. 

As a student, this experience has taken a toll on my mental health and has created additional stress and hardship. It has caused me to miss out on important opportunities for funding and assistance and has made it difficult for me to focus on my studies and pursue my educational goals. 

The Equifax data breach was a result of the company 's negligence and failure to protect the sensitive personal information of millions of people. As a victim of this breach, I demand that Equifax takes full responsibility for its actions and provides me with the necessary support and resources to help me recover from the impact of this incident. 

The time, effort, and financial resources that I have had to spend in order to repair my credit and protect my identity are a direct result of Equifax 's negligence, and I expect the company to take responsibility for its actions and make things right.
Product: Credit reporting or other personal consumer reports

My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.
Product: Checking or savings account

On XX/XX/2023 XXXX I Deposited {$600.00} into Checking Account ending in XXXX, ATM did NOT process or Deposit Money into Account. I need A Refund INSTORE or Money deposited into said account ASAP.
Product: Debt collection

XXXX XXXX XXXX keeps trying to charge me for a month of service after I canceled my service on XXXX XXXX 2015. I returned my rented modem in the store and was told that my account was settled up, my auto payment was cancelled and that I would be billed for approximately {$28.00} on or about the XXXX XXXX 2015. On XXXX XXXX 2015 I was charged for the entire amount of $ XXXXXXXXI called on or about the XXXX of XXXX and asked why I was charged the full amount. XXXX informed me that this was an error and that I would be receiving a check for {$42.00} in the mail. On XXXX XXXX 2015 I was charged an additional {$71.00}. A few days later when I called XXXX I spoke to a few different representatives. First representative told me it was for my XXXX services since XXXX always bills a month in advance. Their website confirms this XXXX. The second representative told me that my services were still online because I did not turn in my modem, I informed them that I had and they said " oh yeah it looks like you have. '' I asked to speak with the next level manager who then told me at first that it was for my XXXX services. I informed them that I had canceled on the XXXX of XXXX and they then switched their story to " right you need to pay for the entire month of XXXX '' when I asked why it was n't Pro-rated they told me you pay after the services are consumed not before, a direct contradiction to my bill, their website, and the previous representatives. I was told their manager would call me back they never did. After a few more days I filed a dispute with XXXX XXXX. XXXX XXXX investigated the dispute and determined that the bill was not in fact mine. After XXXX lost the dispute I got a bill in the mail for my cable service for the month of XXXX and they have submitted the entire amount to a debt collection company. I am paid up and keep getting different stories from their representatives on the phone.
Product: Credit reporting or other personal consumer reports

Re-examination of my Consumer credit reports, shows that the CBA still list inaccurate, and false information, violating my rights within the FCRA and FDCPA laws. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) I request that CBA, inclusive the XXXX, XXXX and Experian, credit reporting agencies, block information appearing on my consumer credit reports that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Here are Unverified fraudulent accounts, without FULL DISCLOSURE, consist of a personal loan or credit cards account opened at : XXXX. XXXX XXXX on XX/XX/XXXX as ac/t number ends in : XXXX for XXXX XXXX XXXX XXXX XXXX. XXXX XXXX on XX/XX/XXXX ac/t number ends in : XXXX for XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX was aggressively promoted via Experian w/deceptive ads, issued on XX/XX/XXXX, & No FULL DISCLOSURE! Before a single transaction, they sent a statement for $ XXXX, just to have the card opened? 
XXXX XXXX XXXX XXXX used two personal loan applications in processing a personal loan, aggresively promoted by XXXX XXXX, to maximize their enriching-amounts from the Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX or all derivations thereof, whether maintained by Experian, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX or any other credit reporting agency ; XXXX Credit report on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX applications were completed & processed to maximize their enriching-themselves from the Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX derivations thereof, but refused to open an ac/t upon XXXX the XXXX or all XXXX  ; These accounts have resulted in several fraudulent hard inquiries and fraudulent late payments appearing on my consumer FICO-score credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. I've managed to dispute a few of the hard inquiries in question but not all. I filed re-Disputes on false and incorrect information that CBA just give me a run around, which now is magnified by use of the AI. Fraud kills all contracts, inclusive using fabricated evidence or a lock of FULL DISCLOSURE. UCC 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender ... 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 number XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update the following : 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: Mortgage

On XX/XX/2019 i was issued a Closing disclosure different from the one provided during the loan process, and was expected to close on the XXXX, ( the next day ). I have since found that to be compliant, i should have been presented this document three days before the closing. This may not be much of a big deal but my concern was at the time, and has continued to be the amount required to close. One document, page 1. states the closing cost should have been {$9900.00}, which included a mysterious ( other cost of {$2100.00} ) sprung on me at the last minute. This other cost is entered in line I of page 2, without any explanation, after many inquiries to the closing agent. The lender was not present at the closing, nor was the attorney, only a paralegal. To further add to the confusion, line D of page 2 states the total loan cost to be {$7600.00}, after subtracting my appraisal fee which was paid outside the closing in advance. To further add to this confusion, on page 3 in calculating cash to close. it confirms that i paid {$8500.00} in a deposit, and {$3000.00} in my down payment, which totals {$11000.00}. My primary concern/complaint is the {$2100.00} in " other cost '' and line 2. page 2 {$890.00} " comment '', the math doesn't add up. I think I'm due a refund, and possibly damages from this unfair and deceptive trade practice. I need an investigation into this matter.
Product: Credit reporting or other personal consumer reports

I checked my credit reports some time ago and noticed I had a public record reporting that was not accurately being reporting and was not authorized to be furnished by myself nor the court that was listed on my reports. I contacted XXXX, XXXX, Transunion and XXXX XXXX about the inaccurate, incomplete, and completely forged information that was furnished on my reports. Each company said the court furnished this information, but I contacted the court and they said that they never report private information to the credit reporting agencies. I have attached the court 's letter as proof. THIS IS FORGERY BY LXXXX XXXX XXXXXXXX, XXXX, AND TRANSUNION. I'VE TRIED MULTIPLE TIMES TO REMEDY THE SITUATION BUT EACH COMPANY FAILED TO UPHOLD THE LAW AND ARE VIOLATING MY RIGHTS AND CAUSING ME TO BE SEVERELY DEPRESSED AND INJURED. I NEED EACH COMPANY TO STOP VIOLATING MY RIGHTS AND PERMANENTLY BLOCK THE INFORMATION ASSOCIATED WITH THIS PUBLIC RECORD REPORTING ON MY REPORTS OR ELSE I WILL SEEK LITIGATION
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXXXXXX displays a revolving line of credit under name XXXX XXXX XXXX. Reported by Equifax. XXXX XXXX XXXXXXXX account XXXX the amount is {$78000.00} and there was recent activity on account that was not me.
Product: Mortgage

On XX/XX/2019, I received an email stating we did not qualify for a mortgage loan. And as, first time home buyers, we clearly met and qualified for their program. I have continuously email the processing senior loan officer processing our application and have waited days and weeks for a response! 

On XX/XX/2019, I received another email stating our FICO score results and clearly meet the bank 's requirements. 

We feel that we have been discriminated against based on our FICO credit score worthiness, despite meeting the banks requirements.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX
Product: Debt collection

I experienced a major illness in XX/XX/2017 that required medical transport between hospitals. I had multiple bills come at once for payment. I was making payments for as much as possible to XXXX XXXX and XXXX XXXX XXXX when on XX/XX/XXXX I received a letter from Professional Collections of Maryland - XXXX XXXX XXXX XXXX XXXX, Co XXXX, number XXXX, listing creditor as XXXX, XXXX XXXX XXXX XXXX, Account XXXX. I immediately wrote a check for the full balance, mailed it to the debt collection company address above written to XXXX as that was listed as creditor. That check cleared in XX/XX/2017 and I have the check. The credit company says the ambulance company has it but has not communicated with them- the ambulance company says their billing is off -shore and they can't check to see if it has been paid. We keep getting letters and phone calls- harassing us- saying '' I will put you on hold if you don't .... '' saying we still owe the debt. We feel we are being bullied and harrassed for double payment.The debt collection company is where we sent the check that was cashed- but they state we have not paid it. The check was written to XXXX because on the bill from the debt collector that was listed as creditor on the letter they sent. We have called both companies and mailed a copy of the cancelled check to the collections company. We paid the bill on the first letter we got from the collection agency- we have the canceled check but they will not list it as paid and stop the calls and letters. We paid the entire amount on the first notice. I have copies of the canceled check but do not want to upload to the web site but can produce it when needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been attempting to dispute a creditor that is negatively reporting on my credit report. I've sent multiple letters to the bureaus as well as directly to the original creditor to no avail. I used the contact information for XXXX XXXX listed on my credit report to contact them and my letter was returned undeliverable. I followed up with the supporting documents and the bureaus are still reporting this negative item on my report.
Product: Debt collection

This company is trying to collect a debt that is well past the statute of limitations. They are also trying to get my financial information from my finance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to XXXX about XXXX XXXX ; I have paid in full to the account. I also want to know why these United States Credit Bureau 's are allowed to only report negative information from Wireless companies and Utilities? This is a one way avenue that is a direct Economical impact to the wealth of our country. This is a bias practice. If these companies want to report negative on our Financial Credit system then they must report good credit to these companies as well. This process is unfair and bias towards the wealth of Banks and APR that sucks American 's Wealth which Politicians and their Lobbyist get rich from. Enforcing a fair Credit system is Key and allowing these companies to biasly report is a CORPORATE CRIME against AMERICA!