23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Comenity Bank offered/advertised {$120.00} in promotional Sony Rewards credits upon satisfying the terms after opening their credit card. I opened my card in XXXX of 2022 and satisfied the terms in XXXX of 2022. After having not received any information about the promotional credits, I contacted them in XXXX via electronic message and phone to explain to them the issue, and they stated they had opened a ticket. I contacted them again by phone in XXXX and they were not able to provide me with further information other than sharing that they had escalated the issue. The could not provide me with an estimated date of resolution or when I would receive my promotional credits/rewards. I contacted them again in XXXX and they provided me with no further information. After contacting Sony Rewards, they explained the Comenity Bank had an issue with their system that tracked purchases for the purposes of the promotional credit/rewards and that they were working through it. However, it has been months since I have reached out and I still have no further information. Based on this, I feel as though Comenity Bank used bait and switch tactics by advertising promotional rewards and incentives to open a credit card with them and are now not offering the rewards which they advertised and they seem to be making no good faith efforts to provide said promotions.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are violating my consumer rights by reporting incomplete, inaccurate, and authorized information. The Fair Credit Reporting Act clearly states that the credit reporting agencies have a duty of reporting information that is 100 % accurate or else they are civilly liable. I need all inaccurate, incomplete and unauthorized accounts removed immediately. Under penalty of perjury, I swear these accounts are false and misleading and are a result of the XXXX Data Breach, the XXXX Data Breach, and Experian Data Breach. Remove all accounts immediately! This is a Direct Violation of The FCRA by Reporting falsely
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and found some errors that must be corrected. In accordance with the Internal Revenue Manual, an unpaid charge off qualifies as income and according to FCRA, income can not be reported on a credit report. I'm requesting a 1099-C ( cancellation of debt ) from the following charged off accounts : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX have provided documentation to confirm that each of these accounts have been sold to different entities for collection. XXXX has sold to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has sold to XXXX XXXX XXXX, and XXXX XXXX has sold to XXXXXXXX XXXX. With these accounts being sold to 3rd parties, they can not be reported as chargeoffs on my credit report. Please send the requested 1099-C form.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX originally disputed my XXXX insurance claim for the remaining balance of a total loss settlement. The outstanding balance was a few XXXX dollars. I was notified by a credit alert that the account went past due even after the settlement check was sent to them. I sent a cease and desist letter to XXXX and they then corrected their error. However it shows on my credit report that the account is delinquent. They need to correct that immediately. I had also filed a complaint with Missouri Department XXXX XXXX in regards to them not originally accepting my XXXX insurance claim and refund of the several prepaid years of the insurance policy.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX/XXXX, XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX 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.

( XXXX/XXXX, XXXX, ) 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!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite sending two dispute letters, via certified mail, regarding my XXXX XXXX XXXX  account on XX/XX/XXXX & XX/XX/XXXX, and uploading supporting documentation via Transunions online dispute portal, showing on time payments deducted from my bank account, Transunion continues to state a inaccurate late payment that never occurred, is verified. Transunions refusal to correct clearly inaccurate information is in violation of federal law, has significantly damaged my credit score and has had significant, unfair and unnecessary financial and emotional repercussions. My credit score has unnecessarily dropped nearly 60 points and I can not acquire needed credit during a catastrophic pandemic. Per FCRA, Transunion is required to have a copy of original documentation ( a consumer contract with my signature on it ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). Furthermore, despite two requests via certified mail, Transunion has failed to provide the method of verification under 611 ( a ) ( 7 ). Per section 611 ( 5 ) ( A ), Transunion is required to promptly delete all information that can not be verified. Please be advised that this is my third request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights, seek relief and recover all monetary damages that I may be entitled to under 616 and section 617 regarding your willful and negligent noncompliance.
Product: Debt collection

there is a company named XXXX XXXX XXXX XXXX XXXX that placed a collection on my credit report which I have no knowledge about.
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 Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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

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

15 U.S.C 1681 section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reported to the credit monitoring company about my loan from XXXX XXXX XXXX XXXX is not accurate. LVNV funding LLC reported that I am owning {$24000.00} is very misleading. The account has been settled and the current creditor is Resurgent Capital services and the settled amount owed is now {$19000.00}. 
I have been paying my draft regarding this account every month as shown by the attached document. I have also started paying the amount owed XXXX as is shown by the attached document. 
In light of this, the derogatory information reported to the credit monitoring company regarding my credit history is false and misleading and I would appreciaite if this error is corrected as soon as possible.
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. I hope the disputed items will be corrected or deleted ASAP. Thank you. 
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 XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I made an online payment XX/XX/2024 of {$1000.00} to cover my XXXX Direct Unsubsidized Loan XX/XX/2024 of {$5000.00} to cover XXXX Direct Subsidized Loan Both payments have posted my Bank account, but have not been applied as of today ; nor are they listed as recent payments. I have called and emailed without a resolution. I had to go to my Bank and get payment confirmation number, per their request. On the phone and website they require XXXX business days for payments to process. I'm tired of getting the runaround without results.

Why does it take EdFinancial more than 30 days to post a payment? 
They should at least have them listed as recent payments for traceability. If it's not posted ; where is the money sitting?
Product: Checking or savings account

Us Bank closed my account on XX/XX/19.  ....  Called them on XX/XX/XXXX when I could not login to account.  Was told account was closed.  Still had XXXX in US Bank.  Went to location in TN and Assistant Branch Manager XXXX said they sent a cashiers check.  They refused to give a tracking number.  Went to branch a week later and still no check.  Was trying to be patient.  Emailed XXXX XXXX, Bank CEO, multiple times during this process.  Talked to his assistant XXXX and she said there is no tracking number for the check.  I don’t believe a bank would send out a cashiers check without a tracking number.  How am I supposed to know it was sent?  Please help a homeless veteran get his last few dollars.
Product: Student loan

a letter from PHEAA, which is the parent company of Fedloan sent a check for {$25.00} and a letter to my house. The letter was not addressed to me, but to a different individual. The rationale for the letter was due to the many problems that Fedloan had and the mistakes that Fedloan made while servicing the Direct Loan. The overall message from the letter was " we made lots of mistakes, here is {$25.00} for the trouble ''. I was never sent this letter nor the {$25.00} from Fedloan and I have dealt with many mistakes and servicing errors from Fedloan. I called Fedloan and was told that Fedloan would only send this to accounts that they felt deserved the letter and {$25.00}. That is not how policies and programs work. I have called Fedloan to inquire about the status of {$25.00} check and letter for myself, and I have also written Fedloan through the internal e-mail contact us system. Fedloan wrote me back that they are internally researching the issue and will contact me in the future. That is just one more LIE to the Fedloan pile. So, now I am utilizing CPFB to force Fedloan to respond to my complaint.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX 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 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. 


XXXX EXPERIAN XXXX 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! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

No negative information should be furnished on my credit report without my lawful authority. Committing unlawful extortionate means such as furnishing nonpublic personal information i.e. late payments, charge offs, etc. can get a creditor 20 years for violating 18 USC 894.
Product: Prepaid card

I have direct deposit, and my money is n't showing up on my card. It 's going on a week since my job has deposit my money into my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX has violated my rights. Under XXXXXXXX XXXX XXXX XXXX  XXXX states I have the right to privacy. Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it also states a consumer reporting agency can not finish an account without my written instructions. Under XXXX XXXX XXXX a creditor may not treat a payment on car payment account under an open consumer credit plan as late for any purchase
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is currently reporting XXXX  XXXX and XXXX  as verified and updated. While account is reporting as a reaged account. The opening date of XX/XX/2019 is not only inaccurate but also a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, XXXX  and XXXX, This letter is sent in response to your negligence in resolving a serious matter related to misinformation on my credit report. Despite credible information that shows I do not owe XXXX XXXX anything, you have continued to falsely include negative marks on my credit report. 

Please send the following information : The name and address of the current creditor, original creditor, account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

If you can not produce the items requested, you are required to delete the information. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am displeased with TransUnion 's handling of fraudulent accounts on my credit report. XXXX swiftly removed these accounts, but TransUnion has not, violating its obligations and damaging my financial standing. 
Remove the following accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is violating my rights per the Fair Credit Reporting Act ( FCRA ) because they have not validated the debts they reporting. I numbered some Transunion credit reports to refer to in this complaint. 

XXXX. I have sent several letters to Transunion ( four are attached to this complaint ) highlighted yellow requesting them to sent requested information ( a description of how the reinvestigation was conducted along with the business name, employee name, address, and phone number of the furnished of the disputed information, so I can follow up with them ) in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VL, Section 611, Subsection A-D. Transunion have never send me the requested information. I am requesting validation not verification. Please send validation of these debts 2. They took over 60 days to complete the investigation because they never sent out the information requested after the investigation per the FCRA.
Product: Credit reporting or other personal consumer reports

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Have a blessed day!
Product: Credit reporting, credit repair services, or other personal consumer reports

This tradeline was sold to an attorney for collection. The attorney collected the entire loan amount plus attorney fees. When I logged on to the original account it showed a balance owed still. I contacted them via chat and she stated they are no required to update the balance on their end and it is still a collectable loan ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I have new and updated information about Experian XXXX XXXX XXXX. I have recently submitted a complaint about Experian along with exhibits proving inaccurate reporting on my consumer report. I have exercised my right to dispute these inaccurate reporting however I have been receiving updated notifications that Experian is still reporting inaccurate information. 

I am now exercising my rights to receive any correspondences regarding any dispute and my consumer file from Experian XXXX XXXX XXXX electronically through the CFPB and no other form. 

This is regarding any dispute sent through the CFPB as well the correspondence sent through mail that was received on XX/XX/2022. Please see attached green receipt as exhibit.
Product: Credit reporting or other personal consumer reports

XXXX, equifax and XXXX are continuing to report inaccurate information. According to the FDCPA and the FCRA, all accounts are supposed to report accurately and attached you can see they are all reporting differently.
Product: Credit reporting or other personal consumer reports

XXXX has insisted for over a year that I owe them for a router that I returned them. They refuse to explain why. They have ignored multiple requests to fix their error but arrogantly refuse to even explain themselves. My credit rating went from " very good '' to just " fair ''.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Lexis nexis did not remove the unverifiable Bankruptcy from my Consumer report nor did they provide me with an updated report showing the changes to my consumer report.