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

From XX/XX/XXXX-XX/XX/XXXX 25+ phone calls made 19+ representatives/supervisors 6 requests to have calls pulled 51 business days, 73 calendar days unresolved. Company is claiming that our account was at one point 30-60 days delinquent and has been FALSELY reported to the 3 credit bureaus. It was reported on XX/XX/XXXX that the XX/XX/XXXX payment was 30-60 days late. We have had calls pulled and transcripts reviewed documenting that the account was never 30 days delinquent. This information was provided to us in letter form, outlining what occurred on the calls but is still being prefaced with there is no bank error and it is still the account holders error. HERE ARE ALL OF THE EXACT PAYMENT DATES WHICH CAN BE VERIFIED THROUGH EVERY SINGLE PHONE CALL!!!!!! THE ACCOUNT WAS NEVER MORE THAN 16 DAYS LATE!!!! XX/XX/XXXX - Account was opened. XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX along with the XXXX payment with a live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX through automated system in the amount of {$160.00} XX/XX/XXXX - {$84.00} payment due - payment made on XX/XX/XXXX through automated system with XXXX payment XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX through bank website XX/XX/XXXX - received notification that there was a change to our credit scores and found that it was reported our account was 30-60 days late. We contacted the customer service department to find out what happened. On this call, the representative acknowledged there was a system error that post dated our XX/XX/XXXX payment to XX/XX/XXXX causing the system to think the account was late. The representative removed the XX/XX/XXXX late fee, submitted a dispute on our behalf to have the credit report error fixed, and assisted us with getting the payment processed that was pending and making the next months payment for XX/XX/XXXX. XX/XX/XXXX - it was reported to the credit bureaus that XX/XX/XXXX was 30+ XX/XX/XXXX - we were told that the XX/XX/XXXX payment is what was 30+ days late because there was no payment showing on the XX/XX/XXXX statement. No calls were pulled per request even though the XX/XX/XXXX payment was made on XX/XX/XXXX XX/XX/XXXX - we were told that the XX/XX/XXXX payment was 30+ days late. XX/XX/XXXX payment was made on XX/XX/XXXX On four different occasions, four separate representatives told us different dates that were late. We were told XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and then XX/XX/XXXX in that order. There are inconsistencies from what they are telling us, what was discussed on the phone calls, and what they reported to the credit reporting agencies. Additional documentation attached.
Product: Credit card or prepaid card

Hi, I received the Bill of Credit card of Bank Of America On XX/XX/XXXX, I have attached a copy of that email. I went to the brach of the bank of America on XX/XX/XXXX to pay off the total due, where according to statement and email my due date was XX/XX/XXXX, but at the branch, banker told me that account has been closed so they can not pullup information for my account and suggest me to call customer care so I called customer care to know the total due amount, customer care representative told the same amount which was in the earlier email, I asked him to tell the total amount including interest, fees, balance, and any other charges so representative told me final amount was {$6300.00} I asked representative again " will I receive any statement after doing this payment or do I have to pay anything other than the amount of {$6300.00}? '' Then the representative said after doing this payment you will not get any bill or statement because this is the final due amount and don't worry you don't have to pay anything after this payment. So, I paid the total due amount {$6300.00} on XX/XX/XXXX and after that, I received 1 more statement on XX/XX/XXXX with due of {$34.00} ( see attached file ). 

After receiving this email I get XXXX XXXX and I called customer care on XX/XX/XXXX where I spoke with supervisor name XXXX and I explained and asked her why I get charged again & for what? so she accepts the mistake of the previous representative with whom I spoke on XXXX of XXXX, XXXX while doing payment, and after accepting mistake she registered complaint and gave me this tracking number XXXX but she told that I will not get reversal of charges due to bank policy. 

so that is the reason why I am writing this complaint here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive continuously informed TRANSUNION that they are violating my consumer rights!!!! They are reporting unverifiable and unvalidated debt!!! This is in clear violation of the FCRA!!!! Ive informed TRANSUNION that they are committing a crime called Debt Parking by the FTC. Ive constantly instructed TRANSUNION to remove the inaccurate and derogatory information from my consumer file!!! They are reporting a charge off from XXXX  that cant be validated and a collection from XXXX XXXX XXXX  that can not be validated pursuant 15 usc 1692g and both derogatory accounts need to be removed immediately!!!! Ive submitted several disputes informing TRANSUNION of the inaccurate information and Ive instructed them in each letter sent by certified mail that they need to be removed! XXXX has removed the negative accounts so obviously they recognized that the law was being broken and TRANSUNION should too! TRANSUNION is in violation of several laws under the FCRA which include 15 usc 1692e ( false or misleading information ), 15 usc 1692f ( unfair practices ), and 1692d ( harassment and abuse ), and by doing so TRANSUNION is civilly liable in the amount of XXXX per violation pursuant 15 usc 1692k. They are also reporting inaccurately on my XXXX  XXXX accounts. Theyve been informed that they are to remove all late payments but still report 3 missed payments as of today! Ive submitted documentation to them showing how XXXX is the only agency whos reporting correctly with zero missed payments and that they should comply with the law 15 usc 1681e ( b )! All information has to be 100 % correct or it needs to be removed!!!!! Ive provided a copy of the dispute letters sent to TRANSUNION. Ive also attached a copy of my identification so that TRANSUNION knows that it is me who is submitting this complaint!!! Ive also attached other supporting documentation such as my XXXX payment history and zero derogatory accounts and statements from the FTC about Debt Parking!!!
Product: Credit reporting or other personal consumer reports

I sent a letter on XXXX XXXX to remove this item that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} 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 PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, unfortunately I believe I am a victim of identity theft. My information has been compromised and used to obtain goods illegally on my behalf. My credit is completely destroyed and I can't even get approved for a car now that mine broke down. The accounts that I suspect are fraudulent are XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX and XXXX XXXX as well. Please help!!
Product: Debt collection

In XX/XX/XXXX I recieved a Writ  on my bank account for a judgment that was recieved by XXXX XXXX  against me in XX/XX/XXXX. Unfortunantly the attorneys office at the time stated I was served with a court summons to be in court in XXXX and I never recieved notice thus a Default judgement was entered on me at that time. Fastforward to four years later and that was when the original Writ on my bank account was placed and I challenged it and had a court hearing. I never heard a thing from From the law offices of Frederic Weinberg and Associates whom is representing XXXX XXXX   even during and after the first Writ  was placed on my bank account. Then the day of the court hearing they did not notify me and released the Writ on my bank account. I thought I was a victim of Identity theft as I do not have any accounts with XXXX XXXX  nor do I have any debt that I can attribute to be owned by them. Then two years go by and out of nowhere this year XX/XX/XXXX a Writ  is placed to garnish my personal bank account declaring I owe XXXX and XXXX and prothonotary cost of XXXX. I requested an immediate hearing with XXXX Courts and I was granted one XX/XX/XXXX. Unfortunantely secondary to the COVID-19 pandemic the XXXX county courthouse closed down the day before my hearing. The hearing is now rescheduled into XXXX XXXX. At this time I have no way to access my bank account. I am a mother of XXXX children who just recieved my federal tax refund the week the writ  was placed and I have no means to access anything for my children. I attempted to call the law office multiple times and only yesterday had communication with a dispicable person who treated me like I was dispensable did not even wish to help remedy this situation as I told him he was lying as they never contacted me about this prior to placing a Writ  on my bank account. I never knew of XXXX XXXX  in my life nor had I ever recieved calls from them prior to this attorney out of the blue obtaining a default judgment against me on the grounds of improper service. In XXXX I thought as it was released that it was gone. The person I spoke with yesterday at law offices of fredrick weinberg also said they placed a writ  on my bank account last year which is flat out false. They are a disgrace. They should not be able to do this in the midst of a global pandemic. I need the money for my family to live and they have no right to do this to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account # XXXX & Account # XXXX Violation of 15U.S.C 1681 ( S ) 2 -This is inaccurate reporting Therefore delete account off my consumer report And Delete account due to Violating FCRA Rights I sent a dispute registered mail with return receipt to all three credit reporting agencies on XXXX XXXX XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

They have added interest on a charge off account which is a violation of the FCRA. Delete immediately XXXX  XXXX XXXX from my credit report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my consumer rights to privacy and confidentiality under 15 USC 1581. 

XXXX XXXX # XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mortgage company PHH is not making timely payments from escrow to pay my insurance premiums. In mid-XXXX of 2021, my flood insurer advised that the {$750.00} premium had not been paid and was overdue. I had to make a direct payment by credit card to avoid a lapse in coverage despite the fact that the mortgage company has been billing for this premium to be paid out of escrow. The same thing happened today. My homeowner 's insurer advised that premium of {$2000.00} had not been paid and is now overdue. They want me to make a direct payment today to avoid a lapse in coverage. When I call the PHH customer service telephone number, I can not get through to a live person. When I send them an email, I receive an unhelpful response indicating that they are looking into it and will get back to me. But they don't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 6 months, I have been trying to correct my credit report and I have been told by the XXXX XXXX XXXX, such as XXXX, Equifax, and XXXX. 

Per speaking with them I have found very disturbing information that is really frustrating. I have tried many times to have them correct these theses and you will see in some of the screenshots. 

I have disputed these items that are on my report several times and all they say is that it has been verified but how can these accounts be verified when they have not shown me any paperwork. I never gave them permission to put this on my credit report. 

Bankruptcy Discharged XX/XX/2018 The accounts that were discharged in my Bankruptcy are as followed : -XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 
As a consumer, I have asked for it to remove and it is still on there. This is hurting me from receiving credit, this is causing XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I have been with American Express for over 20 years and someone changed the phone number and address for my card. American Express closed my account and has charged off this debt even though it isn't mine and they know the address and phone number were somehow changed. Now it is on my credit report. And they say I owe the money. No one there at American Express has done anything for me.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am not liable for this dept with XXXX XXXX XXXX ... XXXX. 
I do not have a contract with XXXX XXXXXXXX XXXX.. They did not provide me with the original contract as i requested.. It has been over 90 days...
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 XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

I have received my credit report and there is fraudulent accounts being reported on my profile from XXXX XXXX, Equifax and XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX Date XX/XX/202XXXX XXXX XXXX  XXXX Date XX/XX/20XXXX XXXX XXXX XXXXXXXX Date XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX Date XX/XX/202XXXX XXXX Date XX/XX/202XXXX XXXX XXXX XXXX Date XX/XX/202XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXXXXXX XXXX Date XX/XX/2022 XXXX XXXX XXXX Date XX/XX/20XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXXXXXX XXXX Date XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I do not reconize these items on my credit report 1. A medical Debt, opened XX/XX/year> .A Medical Debt opened XX/XX/year> 3. A credit card, opened XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that bi believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX  for it's failure to properly investigate consumers disputes, citing " sham investigations '' and other unlawful practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting perviously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the inaccurate information being reported.
Product: Mortgage

I have a received a note of sale on our property. I sent out a written request to our servicer Bank of America on XXXX XXXX, 2016. During the course of XXXX/XXXX/16 to XXXX we have been in contact with B of A and they allowed us to complete an application in order to move forward with a possible modification. Their was a request for the sale to post-pone on XXXX but it has not gone forward due to the under writer review. I am still waiting for the response of the written request sent out regarding incorrect timeline. I was told by the legal department that is what they should be reviewing. Need your help with this matter.
Product: Credit reporting

its said I have a outstanding balance dated XXXX XXXX XXXX when I was incarcerated from XXXX XXXX XXXX to XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX on keeps declining purchases on my co-branded WalMart credit card. They are aware that XXXX is double authorizing purchases instead of sending charges through using the original authorization. For example, I made a purchase on XX/XX/XXXX for XXXX for in store pickup. The amount was authorized at that time. On pick up, XXXX sent through a separate charge for the same amount. Thereby double authorizations causing the card to appear to be authorized over the limit and causing declines on other transactions when there should be more than enough available credit. This has been occurring since the card was issued. Today, XX/XX/XXXX, that authorization is still showing pending on my card although the actual purchase has already cleared on XX/XX/XXXX. 

I have reached out to both XXXX and Capital One in regards to this matter. Capital One admits this is the issue and as the issuer should insure that this illegal practice per XXXX and fair credit practice does not continue but they pass the ball to XXXX. I have reached out to XXXX and they only say We are getting a lot of complaints about this. 

No kidding? They are basically holding an amount against the customers credit limit that they are no entitled to. I dont intend to be authorized double every time I shop with them. Moreover, their rewards program encourages shoppers to use curbside pickup as the rewards for this service is 5 % compared to s paltry 1 % received in store.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had my wife and myself 's information stolen. Part of them providing me a credit protection was also agreeing to not sue them in an opt out option. 

its not right for someone to damage my life and decide that making me whole is providing fraud protection that precludes me from legal action. It is a reprehensible stance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB found that Encore ( Midland Funding LLC. ) attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies also filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. These practices violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act. Midland is to ensure accuracy when filing lawsuits. They can not file lawsuits to enforce debts unless they have specific documents and information show information the debt is accurate and enforcable. My rights under the Fair Debt Reeporting Act are being violated not only because this account does not belong to me and is being reported on my credit report, but I am now also being wrongly sued. I received a letter to contact you that was dated XX/XX/XXXX. You filed papers to sue me XX/XX/XXXX. You do n't just decide to sue someone in 2 days. It was already your intention to do so. I sent a dispute to the 3 credit bureaus informing them this account was not mine and requested Midland provide VALIDATION of this account. I have yet to receive anything. Per this court petition I am being sued for " breach of contract ''. I am demanding a copy of this contract with my signature, between myself and MIDLAND FUNDING LLC. It needs to show the original date of delinquency, the agreement that grants you the authority to collect on this alleged debt, what you paid for this account, and how you calculated the amount owed. Failure to comply will result in a private civil action torecover damages against your company. I will be contacting the FTC, BBB, and the appropriate county, state, and federal authorities, including the Attorney General 's office. My state of Texas currently has a lawsuit against you now for these exact frivolous and unfounded lawsuits against people like me. You need to be stopped.