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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that are listed on my credit report. I am particularly concerned about the accounts that are listed as late payment, charge off, and collection. The following are the accounts that I am disputing : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account MEDICAL XXXX Collection Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX. XXXX Charge Off Account I do not believe that these accounts are accurate and request that you investigate the matter thoroughly. I have included a copy of my credit report with this letter for your reference. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. I am invoking this right to ensure that my credit report reflects an accurate and up-to-date picture of my credit history. 

Please note that if the investigation determines that any of the above accounts are not accurate, complete, or verifiable, I request that they be removed from my credit report immediately. In addition, I request that you provide me with written confirmation of the removal. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I set my XXXX XXXX card up for automatic payments. At the end ofXX/XX/XXXXl the payment was not made. I called customer service and they explained that it was due to the automatic payments being set up and that the payment in XX/XX/XXXX would come out automatically for XX/XX/XXXX and XX/XX/XXXX. The end of XX/XX/XXXX comes and I get an alert from the credit bureau that I have an account 30 days pay due even though the automatic payment had just been made that covered XX/XX/XXXX andXX/XX/XXXX. I was never charged a late fee. I contacted customer service about it and they said they never considered it late, bit the system automatically reported a 30 day late payment and that there was nothing they could do as they don't have those issue anymore due to the laws being changed and that I would need to dispute directly with the bureaus. I disputed with the bureaus several times with no result.
Product: Debt collection

They attempted to collect an amount that was not owed. I responded by explain to them the amount was paid to the original debtor and asked them to verify and send me the notice of verification. 
I asked them to stop trying to contact me if they did n't have the original debt amount that was owed and the date of the delinquency. 
I never heard from them, but instead they placed damaging information with the XXXX credit bureaus with false dates of delinquency. With XXXX credit bureau they reported that the debt with them was included in a bankruptcy. ( XXXX ) With another agency they reported it paid and closed. ( XXXX ) For over seven years they have attempted to collect an amount of XXXX that was paid with every under handed tactic that violates my FCRA rights. They also changed the delinquency date to the year 2011 and updated the reports so that they would remain with the reporting agencies longer. 
I was finally given this site to make a report about their actions in hopes of getting them to cease the harassment and continued defamation.
Product: Money transfer, virtual currency, or money service

XXXX I posted online for XXXX  tickets. XXXX XXXX ( name on XXXX who has now deactivated her XXXX account ) She showed me the image of the 4 XXXX tickets as well as an image from her XXXX account. She stated for section XXXX the tickets were $ XXXX so a total of {$9000.00} XXXX - She gave me her cell phone number so my husband could call and verify ( XXXX ) XXXX My husband gave me the go-ahead on purchasing the tickets. I tried several times to send the money via XXXX, the XXXX XXXX, etc. The XXXX handle I paid {$2000.00} to was XXXX ( she said this was her sister 's account ) She said they work together because they'll ticket brokers. So I sent the {$2000.00} then XXXX wouldn't allow me to send any more money. She refused XXXX. I suggested a XXXX XXXX and attempted to pay $ XXXX but again it failed. So my suggestion was a wire transfer. I went to my branch bank at BMO harris on XXXX in XXXX. The teller XXXX XXXX filled out the wire. I gave the recipient 's account info : XXXXXXXX XXXX - routing XXXX account number XXXX. I sent this recipient {$7000.00} via wire. As soon as I showed her the image she blocked me on XXXX and wouldn't return my calls. When the teller asked me what the address was for the recipient I sent her a message to get her address. The teller responded " just pick an address, it doesn't matter ) so the only address I knew off the top of my head was my mother 's. So the wire transfer doesn't even have a correct address on it. 

XXXX I went into the bank to close all of my accounts because she had access to my account numbers and address. I submitted a complaint to the attorney general, the filed a police report for the XXXX police, the submitted a fraud case to the FBI.
Product: Prepaid card

I have been utilizing the services of XXXX XXXX XXXX Rush card for several years. Never have I ever had such a horrible experience. I work for XXXX XXXX, my payday was Friday XXXX/XXXX/15. Normally Rushcard deposits two days early but since Monday was a holiday I expected a delay and not to get my posted direct deposit until Thursday. Thursday came and went still no money. Friday morning still no money so I decided to reach out to a friend who also uses them for her direct deposit. She began to inform me that there was a big issue and almost every single RushCard customer either had not recd their directly deposit or the money they had on their cards was missing and they now had a zero balance. Customer service can not help, they just keep telling us that they were going through a system transition and that we will be notified once the systems are back up and our money is deposited. I heard that they were in fact hacked and we will never see our money. How true that is I do n't know but I am beginning to believe it when I ca n't even get an answer out anyone. You ca n't even provide us loyal faithful customers with a time frame. Bills can not get paid, gas in vehicles, my kids can not be provided for because I have missing money from my hard earned paycheck. I need/ We nee answers we need help and a solution. This is not okay
Product: Debt collection

This agency is representing a client " XXXX XXXX XXXX '', who is under intense scrutiny for having inaccurate documents on hand concerning debts owed. In fact, I have no knowledge of such account, in fact, this collection agency attempted " XXXX aging '' of the alleged debt to make it appear newer than it actually is. The creditor/collection agency can obtain all account opening documents, including with signatures.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report. There are accounts listed that do not belong to me. Please investigate and remove this account. Please send an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Mortgage

Hello, My name is XXXX XXXX is live at XXXX XXXX XXXX XXXX, PA. Recently in the past 1.5 months I received a letter from XXXX XXXX that our home loan was sold to XXXX XXXX XXXX XXXX CA. The customer service number is XXXX and our new loan number is XXXX. I had trouble paying my XX/XX/2019 mortgage payment ( wanted to pay before the 10 of the month to avoid paying a late charge of {$120.00} ). I telephoned XXXX XXXX and they said to wait the mortgage was still in the process of being transferred. I paid my monthly mortgage XXXX at an interest of 7.1250 % ( robbery ) on XX/XX/XXXX. XXXX XXXX said they would waive the late charge. Today in the mail I received a bill for XXXX to be paid by XX/XX/2019. I believe this months mortgage was included in this fee. I paid my loan to XXXX every month was late in the past 18 yrs many times due to situations that were out of my control. XXXX  told me not to worry about the late fees until we sell our house. I believe the outstanding monies we owe to XXXX XXXX are due to late charges that we have already paid late fees in the past 18 years ; now I have to pay the late charges again? I don't have XXXX dollars. We live pay check to pay check and I just don't understand how this can be legal? I really need help with this matter. Please can someone help me. I'm scared I don't want to lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having the exact same problem as my husband. I also mailed disputes to the bureaus on XX/XX/XXXX and have not received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my credit file. I w rote the BK co urt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced  XXXX   XXXX , Transunion,   XXXX   XXXX   XXXX   they just said it was verified with  XXXX   XXXX . I wrote  XXXX   XXXX  and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.     The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus.  XXXX   XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unna med 3rd party, could e asily be considered false information on my credit report.
Product: Credit card or prepaid card

I was told by a Discover Credit Card representative in XXXX of XXXX, that if I agreed to enroll in their Fresh Start Program, that Discover would decide what a new more affordable minimum monthly payment would be based on my card balance, and that if I agreed to enroll in automatic bank withdraws for XXXX consecutive months, never missing a payment, that they would remove the late/delinquent payments reported to the credit bureaus at the end of the 3 month program, and that monthly amount would be my new minimum monthly payment moving forward. The call was recorded. I wrote down and agreed to the Fresh Start Program. I had a new payment of {$270.00} automatically deducted from my checking acct each month. I haven't used my credit card in almost a year, and have made payments per the plan. The balance has increased {$770.00} throughout this program. My card was maxed at {$8000.00} now it is showing a {$8700.00} balance. 
Discover lied to me. The Fresh Start Program is false. I was financially exploited, and my credit score has dropped XXXX points. They did not remove late payments at the end of the program ( as I was told ). They did not stop reporting me as delinquent to the credit bureaus and now it appears I haven't paid them in over 6 months per my credit reports. 
Today I spoke again to Discover to try to get them to remove those negative marks as I was told they would. XXXX XXXX on our call XX/XX/XXXX from XXXX EST to XXXX said she understood I was lied to and was sorry that happened, yet all she can do is make a complaint against the agent that signed me up for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) regarding the deletion of a charge-off entry on my XXXX credit report for the account associated with XXXX XXXX XXXX XXXX, which was disputed by me. After the dispute investigation was completed on XX/XX/year>, XXXX has deleted this account entirely from my report. 
This deletion, however, presents a critical issue : since XXXX has determined that the account is unverifiable and has deleted it from my XXXX report, I am requesting that the other Credit Reporting Agencies ( CRAs ) namely, XXXX, Experian, and XXXX also delete the unverifiable charge-off from their records. 
Relevant Consumer Protection Laws Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, when a consumer disputes information on their credit report, the CRAs are required to investigate the claim. If the disputed information can not be verified, it must be removed from the credit report. This law grants consumers the right to ensure that their credit report is accurate and complete. Additionally, Section 1681e ( b ) of the FCRA mandates that CRAs maintain reasonable procedures to ensure the accuracy of the information they report. 
Since XXXX has completed the investigation and determined that the account can not be verified, I request that you apply the same standards and remove the account from your records. I urge the CRAs to complete this process within 30 days from the date of this letter. 
Legal Consequences of Non-Compliance If the account is not removed from my credit report within 30 days of this notice, I will consider pursuing my legal rights under the Fair Credit Reporting Act ( FCRA ), which gives consumers the right to sue for damages in cases of willful or negligent non-compliance. Under Section 1681n and 1681o of the FCRA, consumers may seek statutory and actual damages as well as attorney 's fees for violations of the law.

Additionally, I may choose to file a lawsuit to enforce my rights, as I have been harmed by the reporting of inaccurate or unverifiable information. It is crucial for my credit standing that this matter is addressed promptly and correctly, in accordance with the protections afforded to me under federal law. 
Request for Immediate Action I respectfully request the following actions : Removal of the unverifiable XXXX XXXX XXXX XXXX charge-off from my credit report within 30 days of receiving this letter, in accordance with the FCRA. 
Confirmation from the CRAs that this information has been removed, with a notice that the entry was deleted due to non-verification. 
If this account is not removed, an explanation of the continued presence of this unverifiable account, which would be in direct violation of my rights under the FCRA. 
Thank you for your prompt attention to this matter. Please inform me in writing once the necessary corrections have been made to my credit report. I look forward to resolving this matter quickly and amicably. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im writing your agency because these companies are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of informationIf any information is deleted from aconsumersfilepursuant to subparagraph ( A ), the information may not be reinserted in thefileby theconsumer reporting agency ( ii ) Notice to consumerIf any information that has been deleted from aconsumersfilepursuant to subparagraph ( A ) is reinserted in thefile, theconsumer reporting agencyshall notify theconsumerof the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumerfor that purpose, by any other means available to the agency. 


these negative inaccurate accounts have already been deleted and i would like it to stay that way, i have kids and need good credit. 


XXXX XXXX - XXXX - Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. - Please remove this inaccurate account from my credit report, as it in violation and must be deleted. 




XXXX XXXX XXXX - XXXX - Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. - Please remove this inaccurate account from my credit report, as it in violation and must be deleted. 



XXXX XXXX XXXX XXXX XXXXXXXX - Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. - Please remove this inaccurate account from my credit report, as it in violation and must be deleted.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( 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 1002 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

Upon reviewing my credit report, I found what looks like incorrect account that aren't mine.
Product: Debt collection

Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to Credit Protection Association LP on XXXX. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. Credit Protection Association LP claims I owe a debt from an Grande Communication that I actually left on my given time. I had my Personal Financial Consultant XXXX XXXX to speak on my behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by Credit Protection Association LP. Therefore, by the FDCPA that Credit Protection Association LP was not able to prove that I signed a renewal lease. So, Credit Protection Association LP was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my XXXX XXXX Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and Credit Protection Association LP agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. No one has made an attempt to call are send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, Credit Protection Association LP is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of Credit Protection Association LP from my credit report. I am going to provide all my evidence to my case.