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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit File Dear CFPB, I am submitting this complaint regarding the inaccurate late payments reported on my credit file maintained by TransUnion. These late payments misrepresent my creditworthiness and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are incorrect. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts, including this Bank of AmeXXXX account ending in 1845.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments is a violation of my rights under the FCRA, specifically 15 USC 1666 ( b ), as it misrepresents my credit history and falsely impacts my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : This inaccurate reporting may also constitute a violation of the FDCPA, which protects consumers from misleading representations regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate and fair reporting of credit information.

Additionally, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 of the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies and information furnishers to correct any inaccurate or incomplete information in consumer credit reports, ensuring maximum accuracy. Furthermore, sections 15 U.S.C. 1681n and 1681o outline civil liabilities for willful and negligent noncompliance with the Act, providing for actual and punitive damages.

Summary of Errors on Account 30-Day Late Payment : Listed as late for XX/XX/XXXX, but payments were made on time via autopay. 
60-Day Late Payment : Listed as late for XX/XX/XXXX, which is also inaccurate, as I maintained timely payments. 
Account Description : The account is inaccurately described as closed due to Sincerely, XXXX XXXX XXXX XXXX, though I have been an active customer and regularly made payments. 
Account XXXX : The account status is Closed but should accurately reflect my active status as an on-time payer during the disputed period. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. All entries should be updated to accurately reflect my 100 % on-time payment history. 
I expect to receive written confirmation of these corrections within 30 days of this complaint submission. Failure to resolve this issue may lead to further actions to protect my consumer rights. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a credit card with Bank of America # XXXX. 0n XX/XX/20 I get a cash advance for {$500.00} ; I was charged {$25.00} fee -- that was understood. On the same dayXX/XX/2020 I made a payment of {$500.00} assuming the payment will pay-off the {$500.00} cash advance, but the account activity with BOA did not enter the transactions in the order they occurred. The {$500.00} I paid was credited to the account on XX/XX/20 reducing my delayed balance of {$2000.00} that was interest free until XX/XX/20 to {$1500.00}. The {$500.00} cash advanced was entered into account activity 2 days later 0n XX/XX/20 thus the payment I made on XX/XX/20 did not go to pay it 0ff. By not crediting the account on XX/XX/XXXX for the cash advance, the {$500.00} was bearing interest from the day it was taken from the ATM machine with an interest charge {$9.00}. had Bank of America followed common accounting practices and entered the {$500.00} cash advanced, it would have being paid with the {$500.00} I made the same day and I would not be paying interest on the amount. Bank of America manipulate account entries to suit them. 

On XX/XX/20 I charged {$400.00} which I paid on XX/XX/20 under the 25 days grace period, offered by all credit cards and I was charged {$5.00} for that amount and got {$4.00}. This constitute fraud in cash back promises. 

Called Bank of America many times and the phone was hanged-off with the excuses they could not answer call right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent hard inquire on my Experian credit report from XXXX XXXX XXXX  XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am having a continuous battle with Experian closing out my disputes without any changes being made and no valid explaination being given. One dispute I question greatly is a XXXX that they have been reporting. This is my final attemp before me and my counsel proceed with our case. My initail complaint you never addressed was : Experian stated they obtained my XXXX from the U.S XXXX court which is not true the XXXX court does not provide third parties with public records. I never consented to Experian obtaining my information from a third party. First Experian said they verified the information from the court. I have attached documentaion that determined that was not accurate. Then they said the information was verified via XXXX. I contacted XXXX XXXX XXXX and have attached documention that they also do not report any information to credit reporting agencies. Then they said they verified it with XXXX. I have attached documentation from XXXX stating the information was unverifiable. So Experian is again in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( hereafter FCRA ), which prohibits Consumer Reporting Agencies ( CRA ) from engaging in deceptive and unfair practices. I have also attached documentation verifying my identity with 2 forms of ID so that your stall letters can stop. This is affecting me and adding emotional stress to my life I am trying to buy a home and certain things like this are preventing me from doing so I am requesting for you to please review and do your due diligence by me the consumer to get this matter corrected as soon as possible.
Product: Debt collection

Today I received a letter from resurgent capital services claiming they I wrongfully owed {$910.00} claiming to belong to XXXX XXXXXXXX XXXX and that XXXX XXXXXXXX XXXX XXXXs a scam and somehow they tried to route Resurgent capital services to pay the wrongful debt
Product: Credit reporting or other personal consumer reports

This is a request to correct derogatory information furnished by your company to the credit reporting agencies concerning the account mentioned. Provide me with proof of the following : 1. Proof of contract to establish that your company was entitled to enforce a commercial claim against me.

2. Provide me a certified copy or an original contract, with my signature.

a. Certification can be done through the presence of a XXXX XXXX, who duly swears that the copy is a copy of the original contract in question. 
3. Send me proof that your company notified me before or no later than thirty ( 30 ) days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishings or information was going to take place.

a. This notification is required under the Fair Credit Reporting Act, Section 623 ( 7 ) ( a ) b. Therefore, provide proof of notification ( a copy of the notification sent ) and proof that it was delivered to me promptly.

Suppose you can not provide proof of notification or contract and date of receipt and provide me proof that your company notified me before or no later than thirty ( 30 ) days. In that case, you must cease all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you continue your collection efforts against me without proof, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Federal Trade Commission 3. In addition, by previously using the mail to collect on this account you may also be subject to both civil and criminal liability under ( mail fraud ) statutes according to section 18 U.S.C. 1341, which I will file a complaint with the Postal Inspection Service against you.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand you will recheck these items with the creditor who posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

The following inquiries need to be removed from my credit report. 

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

Hello Again CFPB : Now its my hopes that the Consumer Financial Protection Bureau is discriminating against me as a XXXX XXXX Consumer. NoW with that said, let me implore my right to file a complaint under Federal Law with CFPB, THANKS. 

Experian Credit Reporting agency is attempting to suppress my XXXX credit report by 1. Showing a Balance owed with XXXX XXXX XXXX XXXX in the amount of {$42000.00}, a Equity loan that I made as an XXXX man and paid off, but these XXXX XXXX are showing balance still owed, but I 'm contacting CFPB first and I 'm owed {$1.00} XXXX dollars by the government, upon receiving this, Experian, XXXX, and XXXX has to answer me in Federal Court, I 'm good at what I DO! 

2. Now because XXXX XXXX XXXX would n't include my XXXX mortgage loan on my Experian credit report, XXXX I 'm still in charge, XXXX the new ( server ) is on the job, on the block, and do n't think for one minute CFPB I do n't see you role in not having them report my Mortgage, see you do dirt and ignorant XXXX legally happen, but I want CFPB to understand, I know why you did n't investigate, did n't fine, did n't prosecute Experian for not adding Mortgage to my account, but its Ok, I going to subpoena your General Counsel to prove suppression, compromise, injustice, and discriminatory allowable practice by CFPB in its role. 

Lastly, XXXX I know that you folks at the CFPB has notes by my account, to not assist, because of the Power I possess and knowledge concerning DODD/FRANK, FTC role to not assist XXXX Consumer against XXXX, but I going to pick this conversation up and run with it and tell my story and sue and be compensated for telling the TRUTH, WOW! There 's no body stopping me, but me. Now as for my credit report, I 'm well aware of accounts with balances, 28 accounts to be correct, well this rat XXXX at the XXXX XXXX XXXX XXXX, XXXX XXXX, a XXXX, did n't like the way I was able to talk boldly with this crook and he sabotaged my loan request to pay credit cards off, but guess, I still have over {$53000.00} worth equity in my house, I 'm still retired, and still receiving my retirement income, got it! I fight, legal fight all injustices against XXXX consumers, period, but I fight in the courtroom, I 'm 12 and 0 to-date, not an attorney, but I was trained well for 30 years plus in the business world and I consider myself pretty XXXX good following the Rule of Law against XXXX crook, and prejudice rat XXXX when they think you do n't see what they are imploring with XXXX games.
Product: Credit reporting, credit repair services, or other personal consumer reports

We completed our loan Forebearnce in XX/XX/XXXX and submitted our initial Loan Modification paperwork to XXXX in XX/XX/XXXX and were stalled with lagging, discriminatory tactics and have reported our account as delinquent although we made the 3 Trial Plan Payments which equated to the full Payment amount which we would be charged after the Loan Modification was completed in on purpose Lag time, as we had to contact the Veteran Administration Affairs on several occasions due to the retaliatory tactics utilized by  XXXX when our loan was transferred to them in XX/XX/XXXX while we were in Forebearance with XXXX. Loan Modification Paperwork was requested to be resubmitted in XX/XX/XXXX as well, although they initially submitted received our Loan Modification paperwork in XX/XX/XXXX, as I was previously informed by XXXX Mortgage prior to transferring it to XXXX, that I should submit my Loan Modification 1mth prior to the end of the Forbearance Period, in which we completed.

Upon finally receiving an approval via phone on a recorded line, we were told to make our 3 trial Payments of {$4800.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and should have been reported to all 3 Credit Bureaus as timely payments. They were not late because they were paid on time and we should not be negatively impacted due to XXXX  Discrimination Tactics exhibited towards XXXX XXXX-XXXX  attempting to Refinance. XXXX strategically and systematically discriminated against us during the loan modification process to include the interest rate of 5 %! and subsequently the Trial Payment period which we completed on-time. Also, upon the completion of the Loan Modification approval, the account should  have also been updated as current starting in XXXX as well. These bait and switch tactics are illegal and should be investigated by SEC, FDIC, FTC and the Veterans Administration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in an auto accident with my son in 2021. When they officers arrived they call the XXXX when the XXXX arrived I declined service and they left. The other driver was sited to be at fault .y now reasoning for writing you all is because XXXX XXXX XXXX XXXX is now reporting collections on my credit report when they should be trying to collect payment from XXXX XXXX XXXX Department XXXX the one who called ) or the at faults party insurance and not from me. Please delete the 2 collection accounts from my credit report. Attached is the police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

theres a hard inquiry on my equifax credit report thats fraudulent Ive never apply for XXXX  XXXX on XX/XX/2020 please help
Product: Money transfer, virtual currency, or money service

My complaint is about cash app not having someone to talk to about account issues. and the fact if we want cash out to our own account we are charged a fee
Product: Debt collection

What is this complaint about? 
In compliance with the Fair Credit Information Act ( FCRA ), I submit a complaint to the collection entity ARS ACCOUNT RESOLUTION, who has a medical account in the collection value of {$1700.00}. 
What kind of problem do you have? 
They sent me a debt collector for medical concept knowing I have XXXX XXXX process demands the whole issue of health and medical expenses due to an accident involving labor suffered in the month of XX/XX/2017 ( received an electric shock ) and even me they keep seeing medical specialists. The entire issue is defendant in XXXX XXXX XXXX XXXX under case XXXX. Therefore, this entity continues to send me bills and affect my credit score, which did not allow me for XX/XX/XXXX to obtain a credit that the state granted for help for this pandemic, What happened? 
I communicate again with ARS to the number of phone XXXX, because it was reported and because I received a letter ( copy attached ), talk to a person named XXXX who answered my call espa ol and who will reiterate what and he told them in other lla m ADAS about my case in court and told me to c omo had a court case could not speak more with me, I asked then explain to me because then continued with the collection, calls and why to send me to collection and he told me that he could not answer anything else. 
What company is this complaint about? 
ARS Account Resolution Service a division of HRRG, LLC XXXX XXXX  XXXXXXXX XXXX XXXX  FL XXXX Or to XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX More information about it : Send a letter ( copy attached ) to appeal the situation because they have not paid attention, they do not give me an answer and now they evade me saying that they can not talk to me. 
In addition, requesting the c that and desist as a collections agency and demand that they remove me from the collection. 
Creditor : XXXX XXXX  XXXX Reference # XXXX Account XXXX SERV Date XX/XX/17
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation to the credit bureaus on an old account that I did not remove. I am XXXX XXXX XXXX and it looks like I have barely had any credit at all. 

The Credit Union also contacted the credit bureaus and nothing has been done since XXXX! 

I requested that it be resubmitted asap to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Verify This invalidated account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Verify This invalidated account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

5. Verify This invalidated account XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Verify This invalidated account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Verify This invalidated account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX checked my Experian credit profile and realized they had 3 different names and incorrect address. That I viewed Experians website. I called into Experian to have inaccurate information removed. I couple hours later I received a email stating that the information was updated and not removed. This is a clear violation of the fair credit report act. By Experian reporting incorrect information unaccarute information. Which is causing lenders to deny me of lines of credit and personal loans. Attached to this complaint is a screen shot of the innacurate information that I pulled from experian website. And needs to be immediately removed. Also attached is my documents of my identification
Product: Credit card or prepaid card

This is a notice of request information. 
Please provide the following information : All billing statements from the date of account opening Any and all other account level documentation Date of First Delinquency, Date of Last Activity, and Date Open I believe 14 days is a reasonable amount of time to gather this information. I look forward to your complete compliance. Please forward all correspondence regarding this matter to the address stated above
Product: Credit reporting, credit repair services, or other personal consumer reports

In ordinance with the fair credit reporting act. Everything on my credit report must be 100 % accurate on my credit report. The credit bureaus stated that they properly investigated information on my report. But that information is inaccurate. This is grounds for removal.

They also violated my rights under 15 U.S.C.1681 section 602 states I have the rights to privacy.

15 U.S.C. 1681 section 604A section 2 also states a consumer reporting agency can not furnish my account without written permission
.

The account is XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I had stopped making payments and using my Citibank card back in XXXX. When I stopped paying my debt including interest was around {$1800.00} ( my max was {$2000.00} ) I had been on XXXX due to a bad XXXX XXXX at work that required XXXX and then when I finally got a job in XXXX I was laid off wishing a few months due to Covid. In XXXX I received a letter from XXXX XXXX XXXX stating their intent to sue me for a debt of {$2500.00} which was almost a {$1000.00} more than what they shut the card off at, but still kept charging late fees and interest. I sent them an email on XX/XX/XXXX informing them of the above information as well that I was currently unemployed due to covid but when I was employed I would be willing to make payments. I never received any contact, and they served the papers of the lawsuit to my sister-in-law with a different last name not to me and she did not give it to me for a few days. The papers stating the lawsuit had no court seal or anything showing that it was an official court document, and they did not have a state licensing bar number listed so I though it was a scam also it now showed over {$3000.00} balance due. Supposedly a judgment was delivered however when I logged onto the court website it states they sent about 10-15 documents none of which I received I did not hear anything from them again until they sent a letter ( the XXXX XXXX XXXX XXXX that a judgment was received. Again no court seal or anything to prove an official government document or decision, no licensing bar number and the balance due now stated over {$3100.00} and since I had not heard from them for months I didnt believe it went to court. I asked for clarification on why the amount changed so drastically and they said it was due to interest still accusing.
Product: Credit reporting or other personal consumer reports

SEVERAL ACCOUNTS WERE OPENED IN MY NAME WHILE I WAS XXXX AND WITHOUT MY KNOWLEDGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote this company XXXX and asked them to do an investigation and correct their records. This letter was sent out XX/XX/2022. Today is XX/XX/XXXX and there has been no investigation or attempt to correct their records. Enclosed I will show pictures of the letter sent XX/XX/XXXX along with a picture of the certified mail receipt. I am also enclosing pictures of my credit report obtained more than 30 days after they received the letter to investigate and validate the debt. You can see the errors across the reports when it comes to the dates of last activity and payment history etc. This has impacted me and changed my life severely. In the letter I stated that if no action was taken in a timely manner that I would be contacting the cfpb and still no validation of the debt after over 5 months. This is a complete violation of the fair credit reporting act and the FDCPA.