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

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


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 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

I settled with XXXX XXXX XXXX for less than the full balance and disputed with XXXX and Transunion for this account to be removed. This account should no longer be reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I a victim of identity fraud and misinformation reporting to my credit report. There are 2 accounts on my credit that dont belong to me. 
1. XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1200.00}. I have written disputes to companies over the years regarding this account. 
2. XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$770.00}. Ive had insurance at my job for over 20 years, theres no way I would ever have a hospital bill. This is fraud and I think someone used an old lost/stolen ID of mine.
Product: Credit reporting or other personal consumer reports

After multiple reviews of my credit report i have noticed accounts on there that weren't opened by me. I have tried multiple times to fix this recurring issue. The accounts are as listed. A " XXXX XXXX XXXX XXXX '' opened on XX/XX/XXXX with a {$23000.00} balance. A " XXXX XXXX XXXX '' opened on XX/XX/XXXX with a {$470.00} balance. A " XXXX XXXX XXXX '' opened on XX/XX/XXXX with a {$3700.00} balance.
Product: Credit reporting or other personal consumer reports

National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$3300.00} Dear XXXX, After reviewing my consumer report, I have some concerns about the validity of your reporting. 

This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). 

I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. 

Request is hereby made that XXXX XXXX XXXX XXXX XXXX and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. 

Accordingly, please provide me with a complete accounting of the alleged debt National Credit Systems , Inc . 
claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to XXXX XXXX XXXX XXXX XXXX for the alleged debt obligation which is the subject matter of this dispute. 

An itemized breakdown of what XXXX XXXX XXXX XXXX XXXX claims the payment is owed for. 

Explain and provide me with the method utilized to calculate the amount in dispute. 

Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount XXXX XXXX XXXX XXXX XXXX claim I owe. 

Identify the current owner of the alleged debt. 

Identify and accurately describe any third-party costs for which XXXX XXXX XXXX XXXX XXXX is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. 

Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the dunning letter.

Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. 

Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

Provide a statement showing the relationship XXXX XXXX XXXX, Inc.has with XXXX, and advise how XXXX XXXX XXXX, XXXX XXXX gained access to my private personal data without my exclusive written consent. 

Dated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my consumer rights by reporting inaccurate/unverifiable information on my consumer report. 

Inaccurate information showing on my consumer report : XXXX XXXX XXXX XXXX Opened XXXX {$3300.00} The alleged collection account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraudulent credit card opened for XXXX XXXX in the amount of {$1200.00}. When I disputed this I submitted documentation from the FTC as proof that this account is fraudulent and they refuse to remove this from my credit profile.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) due to inadequate customer services and unfair practices, which violate the consumer financial protection Act ( CFPA ).

Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E.

These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Recently, I discovered that certain accounts that were previously deleted from my credit report due to a data breach have been reinserted without my knowledge or consent. This action violates the Fair Credit Reporting Act ( FCRA ) regulations, specifically in regards to accuracy and privacy of consumer information. 
I previously disputed an account on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from Equifax within the required XXXX business days. 
This action is in direct violation of FCRA Section XXXX ( a ) ( XXXX ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing.
Product: Mortgage

Loan was sold to Specialized Loan Servicing from XXXX XXXX in XXXX, XXXX. Received letter stating SLS is the new servicer in XXXX, XXXX. Never heard anything else until a voicemail message left on home phone on XXXX XXXX, XXXX stated we were delinquent. XXXX payment was received by XXXX on XXXX XXXX. 
I attempted to call SLS and set up automatic payment for XXXX, and SLS informed me that I would have to pay by check and set up for next month. Just received statement for XXXX/XXXX/XXXX stating that we are in arrears again for XXXX and XXXX payments. Sent in check for total amount, and today voicemail on home phone claiming we are in " serious delinquency ''. I still do n't know whether their system has taken our automatic payment, and if the payment is received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Debt collection

I reached out to XXXX on XX/XX/XXXX to inquire about removing an old account from my credit profile. After speaking with the representative via chat, and advising they had this account with a balance due to equipment they failed to accept when I attempted to return. The representative advised they could credit my account for the equipment and would remove from collections. I was advised to wait XXXX weeks. On XX/XX/XXXX, I chatted with another representative to confirm account status. During that chat I specifically asked if they were pulling the credit account from Enhanced Recovery Collections, that representative advised yes and to continue to wait the time period provided. After the XXXX weeks advised passed, I reached out to Enhanced Recovery Collections to inquire if they received notification to remove from my credit profile, they did not have any note on file from XXXX. This interaction occurred on XX/XX/XXXX. After call with collection agency, I went back to chat with XXXX during this conversation he advised no note was placed on my account, and agent was not able to locate information and advised they could not assist. We had the same issue with my husband on they pulled his account from the same collection agency within a week. I have attached copies of chat transcripts and chat IDs to this case along with proof, with approval from my spouse, a copy of his report showing they do in-fact delete from the credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I had a XXXX XXXX XXXX XXXX. I was double billed {$6000.00} and {$4500.00} for the same test. This is fraud or an error just like 40 % of all medical billing. 
The total bill for a 20 minute test was {$10000.00}. My medical insurance company paid almost all of it. There should be no balance due.
Product: Credit card or prepaid card

I have three Capitol One Credit cards. 2 personal and 1 business. I try and pay my cards off in full every month but with the holidays it took an extra cycle. I paid off the two personal cards. 

XX/XX/2020 tI paid my credit card off in full {$360.00} and on the XXXX of XXXX, I was charged interest on purchases made of {$6.00}. I just got off the phone with the supervisor and she told me that I am charged interest on purchases until the end of the billing cycle. Even though I paid my credit card balance in full on the XXXX my billing cycle does not end until the XXXX for those 4 days I was charged as if there was still a balance due. 

My business account I paid in full on the XXXX of XXXX {$930.00} and on the XXXX I was hit with an interest charge on purchases for {$20.00} I asked the supervisor how this is legal. I thought when you paid in full, your statement closes on that day. XX/XX/XXXX my balance on all three cards were paid in, full. That should have closed the statements. She said not with Capitol One. She then said its on your statement. I said I don't get statements I do online banking. She said well you can go to your statements online and see. I told her that viewing statements online is impossible this is a complaint I have made prior and as of today this is still not fixed. She said " well when you get your statement you will see on the far left bottom Capitol Ones policies for interest accrued. Again I asked how is it legal to charge someone 4 days after they paid in full the balance?? I said if all interest in accrued daily then on the XXXX I paid the interest up to that day It should not matter that the statement billing cycle had another 4 days to go I paid that should have stopped all charges. 

This again is not how Capitol One works. This cant be right.
Product: Debt collection

I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft. 

Details of the Fraud : The credit card account was opened on XX/XX/XXXX by XXXX XXXX XXXX 
The account appears on my credit report with a balance of {$1700.00} that I did not incur. 
I first became aware of this fraudulent account on XXXX. XXXX. XXXX when I reviewed my credit report/received a notification. 

Actions Taken : I have reported this identity theft to the FTC at XXXX, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus ( XXXX, XXXX, and XXXX ) to place a fraud alert on my credit file. 
I have reached out to XXXX XXXX XXXX to dispute the fraudulent account, but they have not resolved the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report reflects XXXX is owed $ XXXX ( + ) for a car loan that they are not the original creditor or lender. Account has been cancelled as evidenced by a 1099 C confirmed by the IRS.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX XXXX has violated my rights.

1

5 U.S.C. 1681 Section 6 States, I have the right to privacy. 15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instruct
ions.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Discover Card increased my rates out of the blue. They increased the rates to 26 % and nearly 30 % on cash. I've been with discover for over a decade. They are absolutely gouging consumers with variable rates. They have a program to freeze the card and lower the rate which a person can participate with in year cycles. I took advantage of this last year. I called to participate again and they said nothing was available to me with XXXX explanation as to why even though I'm outside of the one year mark. They had XXXX explanation for the hike in rates. Only stating that the rates are variable. I made an XXXX dollar payment last month and my balance didn't change!
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. 

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 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 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 1681 C ( 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 XXXX years. 

15 U.S.C 1681 S-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 in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint and Cease-and-Desist Request Against LVNV Funding LLC To Whom It May Concern, I am writing to formally file a complaint against LVNV Funding LLC for their continuous and unlawful communication regarding disputed accounts. Despite multiple disputes filed by XXXX XXXX. XXXX XXXX, I am still receiving an overwhelming number of communications from LVNV Funding LLC, including phone calls, emails, text messages, and consumer reporting activities. 

The accounts in question are as follows : Account Number : XXXX Account Number : XXXX Account Number : XXXX These ongoing communications are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically : 15 U.S.C. 1692d Prohibiting harassment, abuse, and the use of oppressive practices. 
15 U.S.C. 1692c ( c ) Requiring debt collectors to cease communications after a formal request is made. 
I request that LVNV Funding LLC immediately cease all forms of communication with XXXX XXXX XXXX XXXXXXXX regarding the accounts listed above. Furthermore, I urge the CFPB to investigate LVNV Funding LLC 's conduct, as it violates federal law and causes unnecessary stress and inconvenience. 

Please acknowledge receipt of this complaint and inform me of any actions taken against LVNV Funding LLC. I am hopeful for swift resolution of this matter. 

Thank you for your attention to this urgent issue. Should you require any further documentation or information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX / XXXX / XXXX  : Applied for a  Chase c ard and was denied for past negative " personal '' history with the bank, there were no negative reports from  Chase or any one else on my credit report at the time. Was denied access to the personal history with the bank.      XXXX / XXXX / XXXX  : Applied fo r a Chase card and was  denied for past negative " personal '' history with the bank, there were no negative reports fro m Chase or an yone else on my credit report at the time. Was denied access to the personal history with the bank.      XXXX / XXXX / XXXX  : Applied f or a Chase card and was denied  for past negative " personal '' history with the bank, there were no negative repor ts from Chase or any one else on my credit report at the time. Was denied access to the personal history with the bank.      XXXX / XXXX / XXXX  : Called local Chase bank branch to inquire about my personal report with the bank, they do not have info, refered me to cardmember services. I talked to  XXXX  at cardmember services who was unable to provide me with a copy of this report. I wanted to obtain a copy before I attempted to apply for another card. I do n't want to apply for a card and take a " hard pull '' on my credit report, if I will be denied for " personal '' reasons.  XXXX  advised to apply anyway, and then if I 'm denied ask to be reevaluated at which point they will do another " hard-pull ''.