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

Dear CFPB, I am filing a formal dispute against [ Name of Creditor/Company ] regarding the inaccurate reporting of late payments on my credit report. These errors violate my rights under 15 U.S.C. 1666 ( b ) and 15 U.S.C. 1637 ( a ) of the Truth in Lending Act ( TILA ).

Details of Dispute 1. Violation of 15 U.S.C. 1666 ( b ) Billing Error Resolution According to this statute, creditors must promptly investigate disputes regarding billing errors, including incorrect late payment charges. Despite my timely payments or resolved disputes, [ Name of Creditor/Company ] failed to properly investigate and continues to report inaccurate late payments to the credit reporting agencies.

2. Violation of 15 U.S.C. 1637 ( a ) Disclosure of Account Terms This statute requires creditors to provide clear and accurate disclosure of terms, including billing cycles, payment due dates, and late payment penalties. The late payment entries on my credit report are inconsistent with the account terms disclosed to me or with payments I made within the agreed timeframe.

Key Issues The reported late payments on [ specific dates ] are inaccurate or unjustified.

My payments were made on time, or I was not provided clear disclosure of due dates and penalties. 
The creditor has failed to investigate or correct the inaccuracies despite my efforts to dispute them. 

Requested Actions I respectfully request the CFPB to : 1. Investigate XXXX, Experian, and XXXX for failing to resolve my billing dispute as required by 15 U.S.C. 1666 ( b ). 
2. Require the credit reporting agencies to remove the inaccurate late payments from my credit report. 
3. Ensure that XXXX, Experian, XXXX complies with federal disclosure laws under 15 U.S.C. 1637 ( a ). 

Supporting Documentation Impact and Resolution The inaccurate late payment entries have unfairly harmed my credit score and financial standing. I trust the CFPB to address these violations, ensure the errors are corrected, and prevent further harm. 

Thank you for your time and assistance in resolving this matter. I look forward to your response and resolution. 

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

Citi Bank- I signed with debthelpers in XXXX at which time Citi Bank agreed to the payment contract terms. Payment is made every month on the XXXX, due to the 30 day rotation for the month of XXXX the payment was received XX/XX/XXXX although the month close XX/XX/XXXX. Citi proceeded to report an increase to my balance of {$13.00} and a late payment, there fore diminishing my credit score. Prior to signing with debthelpers all my payments had been on time and paid in full now my credit is showing a derogatory credit history for Citi. I have tried calling several times, sat online with the online help and nobody has offered a resolve, I have worked at being pro-active to find I am being challenged by the reps specifically a gentlemen by the name of XXXX XXXX. I have asked to have the billing date changed to avoid further issue and all I am told is they can't do that I have to go back to XXXX and ask them to adjust the contract ( already agreed by Citi ) and there are approximately eight credit accounts on the same contract with Citi, no other creditor has an issue. I have spoke with Asifasis XXXX, XXXX XXXX, XXXX, XXXX, a XXXX and at through the online chat 6 other individuals. I have used the automated phone system and been hung up on by it at least 12 different times saying " do to unforeseen circumstances there is no-one to answer the call '' disconnect.
Product: Payday loan, title loan, or personal loan

Hi My name Is XXXX XXXX I received a personal loan in the Amount of {$5000.00}. 

From Oportun Inc Loan No XXXX was paying on time and I was Surprise to find on the credit report that OPortun Report 2 late Payment in XXXX and XX/XX/2021 XXXX contact the Lander to do Good Will Deletion they refuse to do it When I called and I talk with one member of the customer He told me the company had some issues with the software. The LoanHas Been Paid off. 
I am asking you to Intervene in this Matter.. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone applied for an account in my name. This is identity theft.
Product: Debt collection

On  XXXX   XXXX ,  2017 , I submi tted a certified HIPAA validation letter to PMAB , LLC for an account that is still listed on my  XXXX  credit report in the amount of {$890.00}. My letter specifically requested for validation of the debt by providing me with something that shows my signature giving my permission to the medical facility/provider to release my information to a third party collection agency and received an itemized bill but nothing containing my signature. This is direct violation of many HIPAA laws and I am requesting to have this debt removed from my report because PMAB failed to provide validation of this debt. Also, the debt was previously removed from my   XXXX   XXXX   XXXX   report due to failure of this company providing validation of the debt.
Product: Debt collection

XXXX continues to send fraudulent debt charges to a new debt collector. I severed my service after working with their c/s to improve service outages, dropped calls and roaming when I was local. I worked with them by using new phones and repeater antenna. None of their failed solutions were successful so I was released by them from my service. I was not under contract any longer. I returned all phones, and paid my last bill. They are charging me for returned phones and service long after I had ported my phone numbers. I have contacted them, and each of the debt collectors by phone and in writing. They continue to harass and lie about the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX and Experian for failing to furnish what XXXX XXXX XXXX XXXX has furnished to them to report. XXXX reports the purging date to be XX/XX/XXXX and Experian reports the purging date to be XX/XX/XXXX. This is a two month difference. to my understanding according to 1681c ( c ) the running of reporting period begins on the date of the delinquency that led to the charged to profit and loss or collections, therefore there should be only 1 date of delinquency date in regards to the original creditor account. I have already requested the date of delinquency from XXXX XXXX  on XX/XX/XXXX tracking XXXX and I have yet to receive a response regarding my inquiry. XXXX XXXX received my letter on XX/XX/XXXX. Both XXXX and Experian have both verified as accurate this same account but still report different purging dates. I do not believe XXXX or experian are in compliance with 605 and 623 of the FCRA in which this is a Federal concern and Violation. if both agencies choose to report this one account, then both agencies are required to report the same accurate information. I understand XXXX and experian are two different entities and do not have the same exact fields reporting but that does not justify the reason why both agencies have verified as accurate the same account with two different purging dates. XXXX and Experian are manipulating the date of delinquency date that occurred with the original creditor by reporting two different purging dates. I do not believe reasonable compliance procedures are being conducted by XXXX and experian to assure my consumer reports are to the maximum possible accuracy before preparing me with results and a new report, which is another FCRA violation 1681e ( b ) accuracy of report. XXXX XXXX has denied they are reporting any inaccuracies with the consumer reporting agencies therefore the discrepancy of re-aging this account by manipulating the date of delinquency date that occurred with the original creditor because XXXX and experian are reporting two different purging dates is solely XXXX and Experians default and they refuse to fix this on going issue. XXXX and Experian should be held accountable for their illegal practices by failing to modify this one account to the maximum possible accuracy instead of deleting this inaccurate account. XXXX and Experian are verifying as accurate this account by using validity instead of verifying all reported information is 100 %.
Product: Debt collection

I received a letter in the mail XXXX XXXX. The letter stated that Allied interstate LLC is a debt collector and they're trying to collect a debt that I supposedly owe to XXXX XXXX XXXX. Im not sure of any debt from XXXX XXXX, I stopped using my XXXX XXXX  account in Early XXXX of 2022 due to me losing my job. I don't want anything to go on my credit that I didn't have anything to do with. The amount of the debt that XXXX XXXX  is trying to collect is XXXX. I would like to dispute the whole debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX reported to Experian that I had a medical bill in their collections. I disputed the claim with Experian on XX/XX/XXXX on XX/XX/XXXX Experian deemed it to be accurate. I disputed it again on XX/XX/XXXX and after Experian investigation- it remained on my credit report. I disputed it again and after having to get the FTC involved, it was finally removed on XX/XX/XXXX. I sent letters to Experian asking who did they speak with during the investigation. No reply. During each investigation Experian did not flagged dispute or remove dispute while it was under investigation. Nor did I receive any letter indicating that the item would be placed back on my credit report. I have sent Experian a certified letter informing them that my consumer rights were violated, detailed each violations with the consumer law codes and invoice. I received a message through my Experian account to contact Experian via phone on XX/XX/XXXX, I tried several times prior to today XX/XX/XXXX when I finally was able to speak with an Experian Representative, he mentioned that the Specialist Team has my letter and invoice and investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

The VA has overpaid me entitlements twice in XX/XX/XXXX for {$160.00} and {$320.00}, the debt was official {$0.00} as of XX/XX/XXXX, they took payments of the overpayment out of my XXXX but yet it is showing up as a collection that was paid. The first time and only time it was reported to the credit bureau was XX/XX/XXXX. I am in the middle of purchasing a home so I was told by the VA that I need to get with the credit bureau for removal the credit bureau is telling me they can't remove without the VA consent. VA says they don't issue delete letters only letters stating the payment for the debt was received. Also, the VA says they don't do third-party calls but refuse to give the credit bureaus any form of assistance. This has been really taking a toll on our family as its holding up our closing
Product: Vehicle loan or lease

On XX/XX/2019 my credit was fraudulently ran twice from this agency without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/2019 I signed up for XXXX XXXX   because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.
Product: Money transfer, virtual currency, or money service

My account is being closed for reasons I dont know and I cant withdraw my money I put in there with my debit card. I verified my identity and gave them the documentation needed! I got robbed of my money.
Product: Credit card or prepaid card

sams club credit card payment was made on XX/XX/XXXX and my billing cycles end on XX/XX/XXXX. They do not award the payment for the month of XXXX and they bill me high charges. call customer service and they tell me that they can not reverse it that I must pay the invoice. the minimum payment is XXXX and they are billing me XXXX dollars. when the payment was made on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 
ACCOUNT : XXXX XXXX XXXXXXXX.
Product: Debt collection

I was contacted by Resurgent Capital Services about an alleged debt that I owe to XXXXXXXX XXXX  or any of its subsidiaries. I asked Resurgent Capital Services to provide me with the appropriate documents to validate the debt. The document they sent me does not show how a total of {$870.00} dollars is owed to the alleged company. When I asked Resurgent Capital to provide me with an itemized document listing the charges or the contract between myself and the original creditor, they failed to do so. I am not sure why they can not acquire this information and furnish to me. I would like them to provide the documents I am asking for in order to resolve this account this includes the amount owed, including interest, fees, payments, and credits nothing less than all of these. If they do not do this then this debt should be discharged due to the violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g. The FDCPA mandates that debt collectors must provide consumers with a written notice containing detailed information about the debt within five days of their initial communication. Additionally, if the consumer disputes the debt in writing within 30 days, the collector must cease collection efforts until they provide verification of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient has taken unauthorized debits from my checking account XXXX during the month of XXXX, 2015. They took unauthorized debits once on or about XXXX XXXX, 2015 for {$110.00}, and most recently on XXXX XXXX, 2015 for {$390.00}. 
On or about XXXX XXXX, 2015, I discovered that Navient had automatically debited my XXXX checking account for {$110.00} for the student loan ending in XXXX. I had not authorized this transaction or set it up. My father makes an automatic payment for the loan ending in XXXX, and had given Navient HIS account information for the automatic payment. I had set up automatic payments for about {$390.00} for the rest of my private loans, and my payment was not scheduled to come out until XXXX XXXX. I called Navient to demand that my {$110.00} be credited back to my XXXX account, and that they take the payment from my father 's account instead. 
Navient incorrectly stated that I had enrolled all of my loans into auto-payment on XXXX XXXX in the amount of {$500.00}, and that they only had my XXXX information for the payments. That was false. I had only set up the {$390.00} payment recently, and my father set up the {$110.00} payment with his bank information. Ultimately, Navient agreed to do a direct refund to my XXXX checking account for the {$110.00}. They also agreed to cancel all auto-payments. My father was supposed to call back and set up his auto-payment for {$110.00} at a later date in XXXX, and I was going to call back and set up my auto-payment for the {$390.00} at a later date in XXXX. I was supposed to have my refund of {$110.00} by XXXX XXXX at the latest. 
My father called Navient back between XXXX XXXX and XXXX XXXX to re-establish his auto-payment for {$110.00}. His next payment is due XXXX XXXX, 2015. I had not called back to re-establish my auto-payment for {$390.00} as of XXXX XXXX, 2015. 
On XXXX XXXX, 2015, I logged into my XXXX checking account again to check my balance. I was alarmed to see that Navient had again taken an unauthorized automatic payment from my checking account! I had not called back to re-establish my auto-payment, but Navient had debited {$390.00} from my checking account. It was taken in XXXX unauthorized transactions ( {$120.00} ; {$100.00} ; {$71.00} ; {$93.00} ). This is especially egregious that Navient took these unauthorized payments despite agreeing on XXXX XXXX, 2015 that it would cancel all auto-payments and to wait until we called back to re-establish them. 
I am going to call Navient now to demand a direct refund. My funds are rather limited at this time, and I am unable to allow Navient to invade my checking account and debit funds at will without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone have got a car in my name and manipulated my information. I am XXXX and have been taken advantage of. Someone keeps opening accounts in my name. I have not opened an car with XXXX XXXX   and am in a bad situation because people keep taking my information and stealing my identity.
Product: Money transfers

I have contacted and spoken with multiple PayPal representatives via telephone and am growing very frustrated with the lack of resolution. 

On XXXX, I submitted a 'send money ' request to my friend 's email address for $ XXXX. I immediately cancelled this request and submitted for a refund. However, the $ XXXX was already pulled from my bank account. I then submitted another send request to her phone number. This request went through successfully. However, $ XXXX was then again pulled from my bank account. 
Knowing they pulled it twice, I submitted for a refund and was informed it would take about 5 days to be credited. 5 days went by and I have not received the money. 
In summary, PayPal has pulled XXXX $ XXXX transactions from my XXXX bank account. When I called PayPal, a rep named XXXX, assured me that $ XXXX was refunded to my XXXX XXXX. She was so confident it was refunded that she emailed me confirmation that it was sent to my XXXX XXXX. However, my credit card company denies this claim. I have attached her email. I then decided to talk with XXXX supervisor because it became clear she was not giving me accurate information. He assured me that instead of being refunded to my XXXX XXXX, that it would only attempt to pull from my bank account once more and then cease. So he assured me the pending $ XXXX transaction would fall off and in essence, my bank would credit the {$1.00} back to my bank account. Well, the $ XXXX withdrawal went through. So again, PayPal has pulled $ XXXX yet refuses to refund the $ XXXX. They have stolen $ XXXX. 

They continue to give me the run around, and I did n't know what proper channels I could complain in an effort to get my money back. This is ridiculous that I ca n't get a straight answer about where my $ XXXX is. My friend suggested the CFPB could help. I am hoping you can help me as I really need that money. I can answer any questions you may have.
Product: Debt collection

I have been disputing this collection Attempt since 2018.

I have no knowledge of said debt owed and have repeatedly requested PROOF THAT I OWE SAID DEBT.

A signature agreeing to pay the amount that the creditor said I owe? OR Any formal documentation that legally binds me to the amount of money the collection agency falsely accuses me of owing.

What happened to justice and fairness in reporting from credit bureaus?

Does Experian just take the word of EVERY COLLECTION AGENCY reporting a debt owed without the responsibility for proof of said debt before damaging someones credit worthiness with a unjustified accusation.

If this is not the case, then why are they not required to send us, as the consumer, whatever legitimate documentation or electronically agreed to contract that a credit collector claims is owed before dragging down our credit score and making us look like a bad credit risk?

Is this not Defamation at the highest level?

Affecting our ability to work at some jobs?

Ability to house, clothe an feed our families? Which is an essential human right that seems to be handled with absolute disregard and disrespect.

EITHER SEND ME SOME LEGAL AND BINDING DOCUMENTATION THAT SHOWS UNDENIABLE PROOF OF A COLLECTION BEING CLAIMED OR REMOVE THIS LIE AND UNWARRANTED ATTEMPT AT EXTORTION.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion, Equifax and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions. Transunion, Equifax and Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion, Equifax and Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion, Equifax and Experian complies with federal law and provides consumers with the necessary proof of investigation.