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

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX 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 by XXXX XXXX XXXX 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 in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! I demand that they delete the late payments from my consumer reports.
Product: Credit reporting

I disputed a collection account through XXXX XXXX in XXXX that I found on my credit report that was not mine. The original creditor was XXXX XXXX XXXX account name was XXXX XXXX XXXX in the amount of {$660.00}. The investigation was completed on XXXX XXXX stating that XXXX and Equifax had removed the collection account from my credit file. I look at my credit report today and it is back on with a different creditor name XXXX XXXX XXXX with account name of XXXX XXXX XXXX. I contacted this company and they said it was sold to them on XXXX XXXX after it had already been removed from my collection report with the other investigation. I told them I do n't know anything about this account and that it was already disputed and removed from my credit report and they told me the debt was valid. It is also now back on the Equifax report under XXXX XXXX XXXX for the same account showing opened XXXX XXXX. I was also never notified by either XXXX or Equifax that this was on my report again nor from any creditor the only way I saw this was due to me going back on XXXX XXXX and seeing it today, XXXX XXXX, 2016. It was not on my credit report from XXXX through XXXX as it was removed. It is also now showing up as XXXX different creditor names.
Product: Credit reporting or other personal consumer reports

This is a notice to the consumer reporting agencies that they are improperly using my credit report. I noticed that there are several charged off/ cancelled debt on my consumer report that can not legally be there and the accounts goes as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. However when this is mentioned. you just say that the accounts are " accurate ''. I am NOT asking for verification of the accounts, I know the accounts are mine but this is a way for you to stall and deflect. So now, I am requesting that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Product: Debt collection

In XXXX XXXX- I discovered a collection account on my XXXX  credit report. It did not disclose the name of the collection agency, only the amount of the debt and that it was medical. I got a copy of my XXXX  credit report to see if it was on there and to see if I could get more information. Sure enough it was, however like XXXX it did not list the name of the collection agency, address, phone number etc- only the amount of the debt and that it was medical. XXXX, on the other hand showed the account and list the agency as Mericredit Account Number XXXX. I sent them a letter of dispute because they never contacted me before placing the debt on my credit. Also I still do know who the original creditor is or what exactly the debt is for. The account has not been removed from my XXXX  and XXXX  report.
Product: Debt collection

United States of America Federal Trade Commission Attn : Division of Enforcement XXXX XXXX XXXX XXXX XXXX XXXX District of Columbia XXXX XXXX United States of America Consumer Financial Protection Bureau Attn : Division of Enforcement XXXX XXXX XXXX XXXX XXXX XXXX District of Columbia, USA NOTICE OF DISPUTE AND REQUEST FOR INVESTIGATION OF BILLING ERRORVALIDATION AND VERIFICATION OF ALLEGED DEBT WITH Portfolio Recovery Associates , LLC XXXX XXXX XXXX ACCOUNT RE : ALLEGED XXXX XXXX XXXX NO. XXXX Dear Sir or Madam, I am writing to formally dispute a billing error and to request debt validation regarding an alleged debt that Portfolio Recovery Associates , LLC ( formerly known as PORTFOLIO RECOVERY ASSOCIATES, L.L.C. ) claims I owe. This dispute is prompted by multiple instances of erroneous credit reporting by the organization, which allege an outstanding debt, as evidenced in my consumer credit file dated XX/XX/XXXX ( Exhibit 1 ). I request the United States ( federal government ) Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) to conduct a comprehensive investigation into this matter. 

I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically as outlined in 15 U.S.C. 1692g Sec. 809 ( b ), and sections 807 and 814 ( 15 U.S.C. 1692e, 1692l ), along with the relevant regulations ( 12 C.F.R. 1006.34 ( c ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), 1006.38, 1022.41, 1022.42 ). Additionally, my request is in accordance with the Fair Credit Reporting Act ( FCRA ), particularly under Regulation V ( 12 C.F.R. 1022.21 ( a ) ( 1 ), 1022.24 ( a ), 1022.25 ( a ), 1022.42, 1022.43 ) and 623 ( a ) ( 8 ) ( E ) - ( F ) and 623 ( b ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) - ( F ), ( b ) ).

This dispute also invokes my rights under the Electronic Signatures in Global and National Commerce Act, the Gramm-Leach-Bliley Act concerning the Privacy of Consumer Financial Information , the Bank Secrecy Act, Internal Revenue Service regulations , and the extensive protections provided by the FCRA ( 15 U.S.C. 1681-1681x ). Moreover, it includes my rights under the Consumer Financial Protection Act of 2010 ( CFPA ), specifically 1031 ( a ) and 1036 ( a ) ( 1 ) ( 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ), the Truth in Lending Act ( 15 U.S.C. 1601-1665 ), the Fair Credit Billing Act ( FCBA ) ( 5 U.S.C. 1666-1666j ), and the billing error resolution procedures under 12 C.F.R. 1026.13 ( Regulation Z ).

Given the significant implications for my financial well-being and credit history, I request an immediate and thorough investigation into these allegations. It is crucial to ensure that all collection efforts are valid and that any reporting to credit bureaus accurately reflects the legal and factual circumstances as required by the aforementioned laws and regulations. 

Sincerely, XXXX XXXX XXXX XXXX Citizen of Indiana state, All Rights Reserved without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported to credit agencies that my account was charged off in XX/XX/XXXX and reporting every year, most recently XX/XX/XXXX again.
Product: Credit reporting or other personal consumer reports

I've tried constantly to dispute these accounts with this company and they are not giving me a proper settlement. It is to my understanding that they have violated multiple FCRA rules and regulations furthermore Harassing me calling about a debt that i had no connection or knowledge to. I'd like these accounts expunged from my credit profile. 
the dates are not alined on my credit profile as well as balances. This is NOT a request for an UPDATE. but a REQUEST FOR DELETION FROM MY CREDIT PROFILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 3 collections that was on my credit report. Within that month I decided to buy a house so I called Transunion and XXXX  on XX/XX/19 to stop my disputes. It's been over 3 months and the dispute are still showing up on my credit. It's now XX/XX/19 my score dropped because every time my credit gets pulled for my loan the disputes show up. Today I called the debt collector XXXX XXXX XXXX XXXX and they told me either pay my debt or submit info about my dispute. I don't want to continue I want to stop any disputes.
Product: Credit reporting or other personal consumer reports

I have been declined a basic checking account cause of the unauthorized use that XXXX XXXX XXXX XXXXXXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and others i dont authorize
Product: Student loan

To whom it may concern, I attended XXXX XXXX University from XXXX XXXX XXXX XXXX. I had taken out a loan with XXXX XXXX, who became Navient, so that I could finish my XXXX academic year. I began to repay the loan while serving in the XXXX ( XXXX XXXX ) for four years. Once I separated from XXXX XXXX I checked my balance and it had gone up from the moment that I began payments during my XXXX XXXX term from XXXX XXXX, XXXX XXXX XXXX. The interest rate that I was being charged was above what an XXXX XXXX military member should be charged, and I was not informed that my payments were not even covering interest ; which would result in my principal loan amount increasing even though I was making monthly payments for 4 consecutive years. If any additional information is required please contact me at : XXXX or at my cell : XXXX XXXX XXXX XXXX. Thank you for your time. Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax I really need your help because at this point I dont know where to turn. I had my coffee, opened the mail and I saw three letters. One from all three credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following : Creditor : XXXX XXXX For some reason your company did not remove it. Im a little confused here. How is it that the other two bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other two bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and Im starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, Im not a complainer, but I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. I dont want to do that but I will if I have to. 

Please check with the furnisher and fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a collection account ( XXXX ) as Open, under the Account Type section of my Equifax credit report, in violation of FCRA and FDCPA reporting regulations. Collection accounts can not ever be described as Open, they must be described as Collection Accounts. 

The attached documents are reflective of my most recent Equifax report, which shows XXXX XXXX XXXX fraudulently reporting this account as Open as of XX/XX/2021.
Product: Credit card

XXXX XXXX shares my information and shared my password in XXXX. Now someone has been charging a credit card to my account for {$7100.00}
Product: Prepaid card

I received a gift card from my employer that was a VISA giftcard from Vanilla for XXXX USD for XXXX XXXX. The card appeared to be sealed in it's original condition from the store. I went to use the card in XXXX of XXXX. I had noticed that the back of the card had residue that I could just not get off. I took a second look at the card and noticed the last 4 numbers were scratched off. I called to check the card balance and was told it was less than XXXX USD. I filed a dispute with the Vanilla team on XX/XX/XXXX and was told that a response was to be expected between 45-90 days. Upon the 90 day mark on XX/XX/XXXX, I sent a follow up email with no response. I sent an additional response on XX/XX/XXXX with no response. I am not sure where else to go, and was hoping someone on your team would be able to assist. I appreciate all the work you and your team do for us commonfolk. I look forward to hearing from you, thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and i didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Product: Debt collection

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Product: Mortgage

My mortgage was sold by XXXX XXXX XXXX to Bay View Loans. Shortly after, Bay View Loans reduced my loan payments. In XXXX they XXXX my mortgage payments saying my escrow account was low. I have owned my property since XXXX. I have always had a fixed rate loan and incorporated my tax and insurance into my payments, for this very reason! I am not in a financial position to handle such a dramatic fluctuation in my expenses. They claim to have under estimated my hazard insurance by about {$3500.00}. However, I have been with XXXX since XXXX and my hazard insurance only increased by {$29.00} this year! I am unable to pay this new amount and am in danger of losing my house! I believe my account was mishandled intentionally and I should not be held responsible for their mismanagement of my account.
Product: Credit card or prepaid card

I cancelled an auto charge from a separate company to my credit card through Capital One, which at the time had a XXXX balance, in XXXX XXXX, but it hit my credit card account anyway in XX/XX/XXXX. I left for XXXX XXXX bootcamp and was gone for training throughout the delinquency reported on my credit reports, so no way to access the information or resolve. I found the charge and called the company to request assistance resolving the issue ; was told there was nothing they could do. They aren't giving me a chance to even try to resolve this issue though I had no way to do anything previously due to military orders. I'm requesting the adverse information reported be removed and my excellent credit score restored.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XXXX XXXX XXXX  to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/2017 I went into XXXX XXXX to trade my XXXX XXXX XXXX. During the process of trading I was told that after 6 payments I will be able to refinance for lower payments. It has been XXXX year since I've had the car ( more than 6 payments made ) and have not been able to refinance. They did not explain to me that during the " Trade in ' that the remaining balance left on my XXXX would be transferred to the new XXXX. They told me that they paid it off. I am now stuck with a car that has negative equity with a monthly payment of {$560.00}. The payments are too much and they aren't helping me fix it.
Product: Checking or savings account

A guy bought an item from me and paid me through check. I deposited the check online and Chase accepted it. so, I proceeded with selling the item. 
After 4 days, Chase has withdrawn the money from my account because that guy closed his account!! 
I trusted Chase and sold my item after successfully depositing the money. It's not my problem if the guy turned out to be a scammer and closed his account. Chase shouldn't take the money back from its customers. after depositing the money! 
I called them, but they said its not their problem! 

Can you help?
Product: Checking or savings account

The bank in concern is Italbank. On XXXX XX/XX/XXXX I have to inform my bank for permission to use my saving account debit card between XXXX to XX/XX/XXXX. And for the limit of {$200.00} per day ( every XXXX ) to be change an increase to $ XXXX to be use in Arizona. 

I only use my debit card on the same ATM machine that it is located at XXXX XXXX XXXX  my sister house in AZ. And a screen shot of my transaction can prove that. On multiple occasions I tried to use my debit card before the XXXX period, and the transaction were cancelled. I have emails in were Italbank state very clearly that I am not allowed to take more than {$500.00} per day. 

On XX/XX/XXXX I noticed that i have XXXX transactions made with my debit card ( all in cash ) on different states in XXXX although my card was still with me. All the transaction were made in less than XXXX hr, and in XXXX  between them. But the first one was done for only XXXX XXXX, even XXXX / XXXX XXXX or any legitimate bank transaction is made today with XXXX XXXX  or XXXX $ to avoid being confused and set as " scamming ''. 

I am adjunting the transactions : XX/XX/XXXX amount XXXX time : XXXX in XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX $ / Time : XXXX in XXXX  XXXX XXXX XXXX XXXX XXXX ask to my bank for prove of pictures of the transactions and how the limit was bridge, multiple transaction was done for the same amount, and nothing was done to stop the scammers. The bank did ask me to do my own investigation, sent the formal complaint with them ( which i send on XX/XX/XXXX ). The bank did close my case without any complete investigation by them and now they don't respond to my concern that my money was robbed and all their " alerts '' did fail to stop it.
Product: Debt collection

This is my 3rd time disputing this! Per their letter which is also attached, it states : TEXAS RESIDENTS : by law we can not sue you nor will we report to your credit report due to age of debt. They replied to complaint XX/XX/XXXX they would cease contact and notify creditor of dispute then they STILL put it on my credit on XX/XX/XXXX, I filed another complaint and they just copy/paste their previous response. THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT. YOUR PRACTICE HAS BEEN UNETHICAL IN THIS EXPERIENCE, NOT ABIDING BY THE LAWS IN PLACE. I DONT OWE YOUR CREDITOR ANYTHING. Almost 7 YEARS AGO THEY FAILED TO BILL XXXX FOR THE PHYSCIANS BILLING. The hospital billed and got paid. YOU CAN NOT BILL A XXXX PATIENT BECAUSE YOU FAILED TO BILL IN TIMELY MANNER. You all have damaged my credit and it needs to be REMOVED immediately! This is insane!!
Product: Debt collection

I requested the for them to tell me who the original creditor is Okay can you send me a copy of all the statements, any type of payments received, and your license that you in fact are able to collect debt in my state. 
Under The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to verify the validity and amount of a debt they are trying to collect. The FDCPA also requires debt collectors to send a written notice, called a " validation notice '', to the consumer within five days of the initial communication. This notice must contain information about the debt and the consumer 's options for responding. 
It has been 60days and no response has been made nor have they removed this inaccurate report from my credit report
Product: Student loan

I received a private student loan from Chase in XX/XX/XXXX. In XX/XX/XXXX Chase stop servicing student loans and transferred my loan to XXXX. However, in XX/XX/XXXX I was also contacted by XXXX saying I owed them for a student loan that I opened with Chase. I only opened one loan with Chase but both XXXX and XXXX has my student loan with the same promissory note from Chase. I talked to Chase who informed me that my loan was transferred to XXXX whom I have been paying every month. However, XXXX XXXX has defaulted my student loan and garnished my wages for the loan serviced by XXXX.