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

FIELD ( 25 ) FCRA Compliance/Date of First Delinquency - XXXX XXXX is reporting an inaccurate Date of First Delinquency to two major Consumer Reporting Agencies ( XXXX  & transunion ) and XXXX has no date of first Delinquency at all. 

The Date of First Delinquency for XXXX and transunion shows as XXXX XXXX which is inaccurate reporting according to FCRA Compliance. The file is not aging correctly and is affecting my credit scores.The Date of First Delinquency is used by the consumer reporting agencies to determine when delinquent data is to be deleted, pursuant to the Fair Credit Reporting Act ( FCRA ) and Date of the first delinquency with the original creditor that led to the account being sold or placed for collection. The format for XXXX is XXXX and the exact date should have been provided for this account for accuracy. 

Also for the account on the XXXX report XXXXXXXX XXXX XXXX XXXX ( XXXX ) account status shows {$1200.00} past due as of XX/XX/XXXX. I have not been in communication with the collection agency to establish any arrangements to pay therefore a past due amount should not be reflected on this account. 

On the XXXX report for the same account XXXX XXXX XXXX XXXX ( XXXX ) Amount Past Due shows {$1200.00}, as stated above I have not been in with the Collection agency to establish any arrangements, therefore they should not be reporting a past due amount. 

The FCRA states that companies which furnish data to the consumer reporting agencies have a responsibility to provide accurate information and only inaccurately reported accounts should be deleted. In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the day commencement of the delinquency on the action that immediately preceded the action.FCRA 623 ( a ) ( 5 ) ( A ). 

Since XXXX ( XXXX ) was not provided the Date of First Delinquency for the account with XXXX XXXX within 90 days after furnishing the information for this account as required under the Fair Credit Reporting Act FCRA 623 ( a ) ( 5 ) ( A ), the account should be deleted from all three Consumer Reporting Agencies to preserve the integrity of my credit Portfolio and accurate reporting.
Product: Credit card or prepaid card

I have my XXXX pay that was sent to card on or around XXXX XXXX and locked myself out app due to me having a new number and curries making it difficult to reach or reach out to me about this matter I cant call or talk to anyone
Product: Checking or savings account

I have been trying to receive my earned bonus of {$700.00} since XX/XX/XXXX for a checking account that was opened around XX/XX/XXXX. Citibank has kept stalling and has not sent me the bonus, which I have been consistently monitoring. 

I have been told that I qualified for the bonus by many of the Citibank employees who have claimed they have done their own research. And I have been sent a confirmation notice months earlier that I have been enrolled in the promotion successfully ( see attachment ). 

I have had over XXXX conversations with Citibank employees since I opened up this account. ( See attached phone records with official Citibank phone numbers ). 

I have been told many times that the bonus should be deposited into my checking account NO LATER than early XXXX of XXXX. I did not get it so a request has been filed with Citibank which has not been completed, and it has been over a month now. 

Originally, I have been told I would get an escalated resolution within 3 to 5 days starting XX/XX/XXXX, which I did not. So I called back up again, and was told it will take another week as no one has looked at the case yet. I called a week later, and got the same response. And finally I called for the 4th time ( every week ), and STILL no resolution, and they keep saying they will escalate the case or they tell me to call back next week. Its always the same! 


Citibank is not honoring its {$700.00} promotional offer despite my repeated attempts. This is false advertising and fraud. I have been wrongfully mistreated and misinformed to the point where I am filing this complaint. I have wasted countless hours and days in research and in conversations. I have had a lot of anxiety and stress over the past few months because of Citibank which has effected my mental health and well being. 


I expect a minimum payout rightfully of {$700.00} for the bonus within 5 business days of this formal notice.
Product: Student loan

XX/XX/XXXX : logged into XXXX account and saw note that my " IDR recertification expired over 90 days ago ; we needed more information but did not hear back from you. '' 1-I submitted it less than 90 days ago, had allowed linkage to IRS database, and received no notification of needing more information. Further, I have been in regular contact with customer service since XX/XX/XXXX asking why my monthly payment increased by {$200.00} and why my PSLF qualifying payments are inaccurate. I was told several times ( and have emails to document ) that my income had increased ( even though I still make $ XXXX gross ). I was told several times to resubmit my ECF forms. I have resubmitted countless times and have fax receipts to prove it. I have been working in 501c3 nonprofits ( XXXX ) since XX/XX/XXXX and have been on an IDR plan since 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 XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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

The government because I am in the military has breached my file 3 times. All 3 bureaus I have asked to investigate and remove inaccurate negative inquiries and information- this has not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting agencies : XXXX, XXXX, and XXXX ) request shall be sent to me immediately.

This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my dispute letter on XX/XX/2023, requesting the consumer reporting agency to " investigate every piece of information '' on the accounts I have listed below. I have attached my previous communications for the accounts listed below. 

According to the FRCA The term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Your company continues to state that the accounts mentioned were verified, but how is that possible if they did not properly investigate according to the law? Please note that all the information on these accounts is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate.

Lastly, I have attached a copy of my recent consumer report that highlights the specific inaccuracies, which are violations of 15 USC 1681. 

Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

XXXX XXXX has falsified information on my Real Estate Tax payments.I paid my taxes in person on the due date of XX/XX/2019.I sent them a copy of my receipt.They have not changed their records & they are saying I am in default.They have said the same thing about my homeowners insurance.I have paid it & sent them proof & a copy of policy.They also said I have not paid my condo maintainence.I paid it when it was due.I believe they are trying to create a default situation so they can forclose.I am being harassed.I have received many letters from them & have replied by either faxing or e-mailing info to them.I suspect this is a national problem with many more seniors like myself facing this problem with them.Please help me resolve this Thank you XXXX XXXX
Product: Payday loan

I got a new cell phone XX/XX/XXXX, and contacted Cash America that weekend. Someone called me on my new number the following monday saying they were Cash America. They had all my info amd i was convinced it was legitimate. I paid over the phone to speed up the small claims case dismisal, and it was never dropped. I was later fined XXXX which came out of my XXXX check. No one had my cell but the court process server, and Cash America. No system was hacked or anything like people make excuses for them. Cash America is a scam company. 
i also recently received a threatening letter from a XXXX law firm demanding XXXX payment or the would try to sue me XXXX FOR THE SAME LOAN FROM CASH AMERICA XX/XX/XXXX. CASH AMERICA EXISTS TO RIP OFF PEOPLE AND THEY NEED TO BE STOPPED. 
ONCE THEY GET YOUR INFORMATION THEY WILL BLEED YOU DRY
Product: Credit card

XXXX fraudulent Sears credit card accounts were opened using my name and address on XXXX XXXX, 2016. This complaint is for the second of XXXX accounts. Since I had never opened these accounts, I thought these were prepaid promotional offers so did not open the mail until yesterday. I received three pieces of mail into total - one piece of mail containing a new credit card for the XXXX of the accounts, and two for the XXXX account - an earlier piece of mail contains a bill, and a more recent bill contains the bill with a late fee.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX has reported to the credit reporting agencies that I wade a 30 day late payment in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I WAS NEVER LATE ON THIS ACCOUNT! I pay monthly via their automated system, I prompt the automated system to pay the past due amount, so whatever amount THEIR system tells me to pay, I pay ON TIME EVERY MONTH. This may be a error on their system, I am not sure, but I do know MY payments are submitted on time, before the 30 day late period. I have wrote Transunion, XXXX, and XXXX multiple times to resolve this issue, and the late payments are still reporting. I am a real estate investor and this is hindering my ability to secure loans needed. I need these late payments UPDATED immediately, due to the fact I pay ON TIME every month.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/24 and XX/XX/24. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

Please block and remove the following accounts Due to XXXX data breach. XXXXXXXX XXXX XXXXXXXX XXXX. {$22000.00}
Product: Credit reporting or other personal consumer reports

About a year ago, my loans were transferred from the original loan servicer to XXXX. Then I applied for a PSLF which afterwards my loans were transferred to XXXX. Since that last transfer, both XXXX and XXXX are reporting to the credit agency EXPERIAN that they both have the 13 loans I took out during while in school. So to EXPERIAN, it looks like I have 26 loans and the balances of all 13 loans are listed twice. That has doubled my student debt being reported from XXXX to XXXX dollars showing that I owe for student debt. My credit score took a nose dive of more than XXXX points at the beginning of the year. I can not get any kind of loan because everyone thinks I owe XXXX in student loan debt. I have filed a dispute with EXPERIAN, I have filed a complaint with XXXX, I have filed a complaint with the XXXX, and I have filed a complaint with the Department of Education. I'm not asking for anything more than accurate reports be sent from XXXX to the reporting agencies. My XXXX account shows a XXXX balance but they say they can not report that because the Department of Education has to release them from servicing the loan. Yet, that has already been done.
Product: Debt collection

Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. I ask to verify the debt XXXX didn't do any investigation on my behalf they also gave out my addresses to the company. My right been violated 15 U.s code 1692 the not helping creditors they selling my information to the company that owes the debt lying not providing details on the contract or verifying the debt above on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

All your information is incorrect, Inaccurate, or false.
Product: Debt collection

So this is further communication from the previous complaint : If First Financial Asset Mangement did indeed sale the debt to XXXX XXXX as they have stated to this complaint. Then I ask for First Financial Asset Management to provide me proof that they sold the debt to XXXX XXXX in which they will have documentation and would be able to provide me with a clear chain of ownership that way I can verify that XXXX XXXX has the legal right to collect on this debt, I believe that I am unfairly being pursued for payment regardless of owner. Further more, if FFAM did sell the debt as they have stated, my credit files does NOT support their statement in the previous complaint. Inaccurate Reporting according The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), and I ask for the company to remove themselves from my credit file. I want proof of all requests sent directly to my email at XXXX the company has an additional 10 days to provide me with these documents or an additional complaint will be filed and then I will also have the option to pursue legal terms including the right to file a class action lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item or just DELETE it immediately in my report : XXXX XXXX XXXX
Product: Credit card

This is a follow-on to several existing CFPB complaints against Bank of America. Further to the existing file, they incorrectly applied a payment in XXXX to the prior month when it was intended to pay the current month. they therefore said the account was late. they applied a late fee on XXXX XXXX. I called on XXXX XXXX and explained the situation. They removed the late fee. They neglected to note the file that the payment I had made was for the immediate prior month statemnt, so when the next one closed, they carried forward an erroenous past due amount, even though three days earlier we talked on the phone and they " fixed it. '' I then had to call in again for over a hour on a Sunday and, after having the rep misinterpret my file thining I was a chronically late payer, when in fact I pay as early as possible, she said she moved the payment, it was fixed and the wwebsite would be correcteds to no longer show past due. all I would hve to pay is the newest mnobnth. The webstie did not correct and I filed a CFPB complaint earlier this week. They still have not fixed it. so I paid {$100.00} for the current month even though the website still showed wrong info. This mornign, the website is still showing a missed payment and a late fee as due. I am on the phone with B of A and the rep is telling me to disregard the late payment notificatios the website is displaying. No, the website needs to be correct and if I don ' ; t get them to fix it, you don ; t get them to fix it, or I make a /THIRD payment this monthkl they will still rerroneously relfect me as late. sorry for a all the typose, I am in a XXXX rage at this point. -- Five minutes in, and the rep on the line is acknowledging, for the umpteenth time, that this " should have been corrected, you are absolutely right, we will get this tken care of straight away ''... but they never do, and then when it happens again, I wil have to spend hours trying to get it corrected.
Product: Debt collection

I have been contacted by LVNV Funding almost every single day for almost a year now. They claim that they are trying to collect on a debt that I owe them for some business. But I had no idea who they were as I didn't not recognize the name or recall ever doing any business with them. I told them on several occasions to mail me the contract where I went into agreement with them and they have failed to do so after telling me that they would. After carefully review of my credit report I came to find out that this company is reporting on a debt for XXXX XXXX XXXX  which is also currently on my credit report. So basically both companies are trying to collect on the same debt.
Product: Debt collection

CREDIT CARD COMPANY : CITICARDS CBNA #  XXXX **** By  XXXX  2017, my credit score was   XXXX    and now it went down to  XXXX , it seems that the reason why, it 's because there is a delinquent account of   XXXX   that went into collection. No bills or statements were sent to me during all this time ; even thought, i have been a client for the past 7 years and they have my contact information ( address, email and phone number ) the only day they contacted me was to tell that my account went into collection. I have   XXXX   other credit cards with this bank and I have always been making payments on time, i never had issues with other credit cards associated to the bank. Now my job is getting affected by this issue because my job is dependable of my credit report, I also wanted to buy a new car and my credit does n't look good i can not get any offers, it 's causing me a lot of delay in my life.I would like to get this issue fix as soon as possible and i can continue living as any other honest citizen.
This issue started when Costco   XXXX   XXXX   switch to Citi bank. I downloaded my Credit Report and it shows that I was a " Satisfactory '' Client with "   XXXX   XXXX   '' cause I made my payments on time. I was never notified about the change or statements were mailed to me. At this point my balance with   XXXX   XXXX   was {$0.00}, and I never gave permissions to renew my membership with Costco ( it was done automatically ), in my 15 years or more of being a Costco member, when i did n't pay the membership it was cancelled, and the next time i had to pay for the membership at front, it was never done automatically until recently. I 'm still willing to talk about this with a representative who willing to help me and do not drive me to different directions. I already contacted the bank and no one is willing to help me with this issue.
Best,  XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX