23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It started with a simple error on my billing statementone I assumed would be easily resolved. I remember sitting down at my kitchen table, pen in hand, writing out my dispute. I outlined everything clearly, attaching the necessary documents, and mailed it off, confident that the company would see the mistake and correct it. After all, isnt that how its supposed to work?

But weeks passed, and nothing happened. No letter, no email, not even an automated acknowledgment. At first, I gave them the benefit of the doubt. " Maybe they're backed up, '' I thought. " I'll hear something soon. '' The silence became deafening. Every day, I checked my mail with a flicker of hope that quickly turned into dread. My stomach would twist every time I saw my credit report, knowing that the inaccurate information was still sitting there, mocking me. It wasnt just about the numbersit was about what they represented : my integrity, my effort, my story.

I tried to remind myself it wasnt personal, but it felt personal. Here I was, a single voice against a faceless corporation that seemed to care nothing for the impact of their inaction on my life. Didnt they understand how this affected me? Didnt they know the stress of watching my credit score suffer for something that wasnt my fault?

I felt helpless but also determined. I knew my rights. Under FCRA Section 623, they had a duty to investigate, to respond. And yet, they ignored me. They ignored the facts I sent them, the documentation I worked hard to gather, and worst of all, they ignored my humanity.

This isnt just about fixing a number on a credit reportits about being heard, about accountability, about someone finally saying, Were sorry. Well make this right. Instead, Im left fighting a battle I shouldnt have to fight, my confidence in fairness eroded a little more each day.

But I refuse to give up. I refuse to let their indifference define my story. My voice may be small, but it matters. And if they wont listen now, Ill find someone who willbecause this is more than a billing error. This is about justice, and I wont stop until I find it.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Equifax XXXX, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I got in a wreck on XXXX XXXX. It was a head on collision. I had a XXXX behind the wheel, crossed over the median and hit a car head on. I was driving my roommates car and there was n't insurance on it. I have paid all my court costs and everything that I had to do. And now these people are sending bills to my brothers house asking for {$27000.00}. It has both mine and my old roommates names on it. But what I 'm not understanding is how my roommate was able to get another vehicle from the same place that the car that was wrecked was from. And how she was able to get the wreck taken off of her credit. But yet these people are still asking for money.
Product: Credit card

I am a Chase Marriott XXXX XXXX cardholder. I ordered XXXX dresses from XXXX and XXXX in XX/XX/year>. Two of the dresses arrived on XX/XX/year>. They were not a fit, so I returned them. Two of the dresses never arrived. I was charged for all four dresses totaling {$1900.00}. I thought perhaps there was an issue with the carrier or the items were back ordered, but weeks later, the items still never came. I logged in often to check the order status and the status was stuck at these items will ship soon. By XXXX, I filed a dispute with Chase. Chase allegedly got in touch with XXXX XXXX XXXX and claimed that the charges were appropriate and closed the dispute. I was very upset and tried to find ways to get in touch with XXXX XXXX XXXX myself, but it appears that there is no longer a functioning customer service number and they did not respond to any of my emails. I re-opened the dispute through Chase, with all screenshots proving that the items were not received, and I corrected the amount owed, which was {$970.00}. Chase closed the dispute again, claiming the charges were valid, input the wrong claim request, and there is NO WAY they got in touch with XXXX and XXXX. Im very disappointed in the lack of care towards Chase cardholders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is in violation of 15 USC 1692, after numerous attempts of sending debt validation letter on XX/XX/2022, XX/XX/2022, and XX/XX/2022. Information was not properly validated. 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 .Company is in violation of 15 USC 1692 as well as 15 U.S.C 1681 section 602 A. 
1.The Truth in Lending Act is intended to inform consumers about the cost of credit. 
2.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 
3.XXXX  is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection or any debt. 
4.XXXX  is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer shall not state that such consumer owes any debt. 
5.XXXX  is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any. 
6.The Truth in Lending Act is intended to inform consumers about the cost of credit.

7.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 
8.XXXX  is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
9.XXXX  is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer Shall not state that such consumer owes any debt. 
10.XXXX  is aware and has proof in attachment labeled as exhibit A that corporation name violation of 15 USC 1692 . ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication affected by the mail or telegram that indicates the debt.
Product: Debt collection

Rec letter fr Midland Credit re : XXXX saying I had a balance of {$700.00} in a debt collection acct that could be settled for {$420.00} if I paid now. According to a call I made to, XXXX XXXX XXXX XXXX this was for a 2008 acct. MCM acct XXXX. Orig acct XXXX. 
I 'm do not owe this. I currently have XXXX accts with XXXX that are current, I have contacted my local XXXX store, but not much help. This may be a scam. Please, I need some help.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from
section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


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

I have tried to solve this issue with Discover bank directly, but they have not responded to any of my requests, I had no choice but took this matter to small claims court and they didn't respond either. Back in XXXX my personal bank account was jeopardized but by the time I realized what had happened it was too late Discover posted 1 time 30 day late on my credit report. I have always been on time with my payments. I am very responsible person, I take my finances and credit seriously, I was asking if Discover would honor my request and as a curtesy remove the 30 day late from my credit report.
Product: Credit card

While on vacation in XXXX my Bank of America credit card was lost/stolen ( out of my possession without my knowledge and used without my permission ). As soon as I realized the card was not in my possession I reported it lost according to expected protocol. A fraudulent XXXX account was set up on the thief 's phone using their own thumb print and my credit card to set up Touch ID while out of my possession due to what I believe are perilously lax verification processes set up by the card issuer. Multiple fraudulent transactions were made using my card ( possibly using magnetic card swipe, or XXXX, I do n't know because Bank of America wont tell me ) I was rapidly reimbursed by the card issuer for all transactions EXCEPT the XXXX transactions made in the XXXX totaling nearly XXXX XXXX dollars. 
My Card issuer has closed the case, stating that I am liable for the charges, which have been transferred to my new card. It is my belief that XXXX have refused to reimburse my card issuer, ( for obvious reasons to protect the infallible image of their new digital pay method ) and consequently Bank of America have refused to reimburse me. Their decision is not based on fact, truth or lack of trust in me, it is simply based on a bottom line, business model of profit above all. I base my belief on the many media articles I have read, published in 2015, reporting exactly this sort of fraud, which is damaging XXXX XXXX, credit card reputations and has seen a spike in credit card fraud from the expected 0.19 % to about 6 %. 
Despite numerous requests, personally and through a Bank of America representative, to open a new investigation and to use my evidence to prove that I was not in the XXXX XXXX at the time of the purchase this case is still closed and unresolved. Evidence in my defense has not be asked for / disregarded by Bank of America. 'Evidence ' offered by Bank of America has been spurious and unrelated to the real facts of the case that relate to DIGITAL fraud. The bank therefore must demonstrate that they understand the processes by which digital fraud can take place and take financial responsibility for such fraud as a result of their negligently weak safeguards which resulted in an enormous breech of security on my credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account with debt collector Amcol Systems that should be removed from my credit report with all 3 credit reporting agencies ( XXXX, XXXX, XXXX ). This account has been paid in full and taken care of awhile back.
Product: Mortgage

Not sure exactly when we applied, but the first time our credit was pulled was on XX/XX/2021. Since then, we have been constantly getting current document 's to send them every few weeks. We paid off collections and shown proof of such ( as stated in HUD 's S184 Guidelines ). They do not fallow said guidelines very tightly. It's suppose to be " flexible underwriting '' but it seems as if they are fallowing whatever guidelines as if it wasn't section 184. It has taken 9 months for a " pre-approval ''. Now they are telling us that we need a pin/stake survey prior and post closing that will cost $ XXXX {$2000.00}, after they told us and set up for a survey post closing for {$450.00} ( they set this up about 5 months into this process ). Now here we are 10 months in and getting conflicted on what the next step is. This process has been very invasive and frustrating. We have submitted all documents that were requested, and saved up more money then what they had told us we needed. After everything that has been asked of us, there has always been more document 's needed and never any good information about whether we are approved or not or what the next step is. It has just constantly been a barrage of " I know we haven't called you in a month so we need another months worth of all these documents ''. This has been very emotionally draining for the last 10 months and we feel like we are being tossed around while they just make up more documentations for us to come up with. There is a huge lack of communication. We will be contacted one day and told we will receive a phone call later that day or the next day and a week will go by without hearing a word and we won't hear anything at all until we call them to remind them that we are still alive. Then it's the same excuse again about getting a call soon, and then another week will pass by, we will call, and they need more paperwork again. I've had better luck getting a phishing email to respond to me then this bank. I get that applying for a mortgage is a very rigorous process but when 10 months ( so far ) could be compressed to 3 or 4 months it is ridiculous. When asked for something we would turn it in within 24 hours. The only time they were waiting on us, was when we paid something off and had to wait for letters in the mail. 

We don't know what else we need to do from here on out. We just want to move forward and get the outcome that we have been working towards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified account listed below is still reporting negative on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. DEPTEDXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX XXXXXX/XX/XXXX
Product: Debt collection

The company Portfolio Recovery Associates of Virginia continues to harrass me by telephone on a regular basis for a debt I do not owe. They have never sent any information regarding this debt by mail, which I have asked for. I have repeatedly asked them to stop calling my home. They are not only persistent, but rude and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}, {$7400.00}, {$8700.00}, {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 


-- CLOSED ACCOUNT -- 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Product: Bank account or service

Holding back a cash deposit and returned a bill pay and charged me the fee of {$38.00} and then charged me another {$38.00} for not having {$25.00} to transfer to my savings, why do I have to pay for not putting money into my savings account and auto transfer, right now my account is over drawn for {$110.00} and they will not reverse it, I feel this is not right. The bank is BBVA compass bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I contacted my credit card company to inquire as to why my Experian credit report failed to show any record of my credit card account that was opened in XX/XX/XXXX and is still open to date. I was told by my credit card company that they were reporting it to all three credit bureaus every month and that I should contact Experian, and file a dispute with the credit card company to have it thoroughly investigated, which I did both. When I initially contacted Experian I was told that they had no record of my XXXX credit card account, so I needed to contact XXXX. At that time I submitted the dispute form to the credit card company, XXXX, and I received communication that they were accurately reporting to all three credit bureaus and that I should contact Experian. Today, XX/XX/XXXX, I contacted Experian again after noticing that my XXXX credit card account still has not been displayed on their report. I was told this time, that the account was removed from my credit profile, by Experian. I was told that it was an internal policy that they remove any accounts that has potentially negative information for anyone who is listed as an authorized user. Experian proceeded to explain that if there were no negative marks on the account, in my case one 30 day late payment reported in XX/XX/XXXX, they would keep the account displayed on my credit report. I was told by Experian that if I was added as a joint member on the credit card, all of the credit history with it would return to my Experian credit report. This seemed to be an easy fix, but my credit card company enforced a policy, without notifying consumers, that they will no longer provide joint credit accounts, and this attempt was failed when I reached out to my credit card company. 
With this internal policy that Experian has, I find it unfair, contradictory, and untruthful. What this policy allows is for authorized users to take credit for positive behavior that " does not belong to them '' when good marks on accounts are posted. This policy also allows for authorized users to not be held responsible for the account when negative marks are made because it " does not belong to them ''. In my situation, this policy is hurting my credit report because it is the majority of my credit history. Although I asked that it is reported on my Experian credit report with all of its positive and negative markings, to reflect the honest credit history, I was told they will not do so because this policy is in place. In this case this policy is hurting my credit score by not reporting my nearly 48 months of history because of one late payment. This policy is dishonest and misleading.