23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Under a recent direct of all XXXX credit reporting agencies, on behalf of a collective effort of the Federal Trade Commission and the Consumer Financial Protection Bureau, all medical collections can not be posted on a consumer 's credit report until the following criteria is established : The consumer must be given an updated invoice by the service provider, stating that he/she has 30 days to rectify the balance personally or through insurance coverage. 
The service provider must state that the invoice will not go into a collection status until the 30-day timeline has been completed, and a specified date must be given to the consumer. A service provider can not submit a medical invoice to a licensed debt collector until after the 30-day timeline has been completed, without exception. 
If the 30-day time has passed, the service provider can at that time turn over the invoice to a licensed debt collector in the consumer 's residency state. 
The debt collector must submit a written notice of collection, stating that the consumer has 180 days to either rectify the debt personally, settle the debt amicably, or to expedite that an insurance carrier will pay the medical claim. The debt can not be posted on a credit bureau for collection until the 180-day timeline has passed, also without exception. 
I hereby state that the attached medical collection is now illegal, and that the new collection guidelines for medical debts are applied to existing collections. The old collections and their processes were not grandfathered in by the change in policy by XXXX XXXX and XXXX XXXX respectively. That means all medical debts come off my report and that I must be given a fair chance to rectify the debt through the previously mentioned criteria.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 XXXXXXXX XXXX XXXX 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!

Delete the late payments from my consumer reports
Product: Debt collection

Signed up for Klarnas hardship program. None of their representatives stated the programs terms other than I wouldnt be able to use Klarnas services while on the program. The second to last time I tried to renew the hardship program, the representative renewed it for certain purchases. I inquired why he did not renew it for my other purchases and he said to wait until the payments are due/the hardship expires and then to contact Klarna again XXXX I did what I was told and waited. I was not worried since he did not indicate there was any issue. Then, I contacted Klarna again to renew the hardship program for the remaining purchases and was suddenly told that I could no longer do that. They said there was nothing they can do even though their employee mislead me to believe that everything would be fine. Now multiple payments are overdue and theyre threatening to send payments to debt collection and also have sent 3 of the bills to debt collection. Their only response is that they will train their employees better. That does not help the customers who were told the wrong information and are now getting threatened with debt collection! Especially since your employee was the one who said to wait and not to worry!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Equifax by several disputed in the past that the accounts that they are listing on my credit report do not belong to me. I have explained that I have no knowledge of the following accounts for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, there is also accounts listed for XXXX XXXX XXXX ( two accounts ). There are two addresses listed that I have never lived at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX Also there are several inquires that they refuse to do anything about they say contact the companies I did the companies say contact them this has been on going back & forth & back & forth again for these XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXXa XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, & XXXX
Product: Debt collection

I am being charged with an XXXX bill by the debt collectors Bay Area Credit Services. We have no unpaid medical bills at this time, nor have I ever even taken an ambulance ride. By all accounts after looking up this company online, they appear to be scammers.
Product: Credit card or prepaid card

Yes on about XX/XX/XXXX or XXXX 2019 i belive it was i was broke i waited for one of my children to get home so i could ask him for permission to pawn his XXXX anyways him n i go to the pawnshop and i pawned it for XXXX my other son comes home and asks me why you pawning the XXXX did u check your liberty tax card my friends moms got her taxes so i ask him for the phone and wen i check my tax return was there alright but that was not what caught my attention what caught my attention was all them transactions made on it so i got up and i went to the XXXX XXXX office so i could speak to the agent i speak to her and i tell her someone is using my card she says call from your end cause theyre closed for us after XXXX so call and stop the card but come back tomorrow that am in and ill give you another card and ill make the call for you so i went home i called netspent and i told them that theres transactions that i didn't do i asked her cant you stop them since there still pending she says no because in order to make a complaint they have had to gone tru so call tomorrow so i cancelled the card i wait to tomorrow at XXXX that the liberty tax lady is in to speak to her n get a card so i speak to her she gives me a card she calls netspent and talks to them she speaks to me i go outside and the 1st thing i do is call netspent   since i had the newcard the lady tells me yeah that the card works n i tell her everything that happend from me waking up to noticing the transactions anyways everything is set she gives me an email and a reference number n tells me make copies of the transactions and send everything you think might help your complaint so i write everything down and the 1st thing i do is go to XXXX and buy me a phone cause my old phones screen was all cracked anyways as am looking and taking pictures of the transactions thats wen i notice an email that am familiar with it n its in one of those transactions that weren't made by me and i also see 2 other transactions made on XX/XX/XXXX and XXXX for {$110.00} and another for {$50.00} with the exact email and i start saying to my self XXXX this is crazy its a guy i once dated that i let stay at my house and dats his email and he lives in Pennsylvania his name is XXXX XXXX so i make a police report and i tell this to the cop he makes the report and the next day i go n picked up a copy so am sending everything to netspent and because of all this Drama and all of this stress i had a XXXX and can you believe netspent did not find nothing wrong to my complaint i sent them copies of the pawnshop receipt i even sent them copies of the XXXX i had i kepted on sending them notes of how i felt so i started to look for another email so i could write netspent someone higher and tha someone higher gave me credit for 2 of the transactions but not the others which it dont make sense to me ...
Product: Credit card or prepaid card

In XXXX I had q {$4200.00}, they charged XXXX interest on the balance. I figured this was a error and tried to fix it. Then in XXXX they charged {$2200.00} interest on the same balance. Ive gone round and round with them on this. I asked for a payoff balance, and recorded our calls of XXXX different people telling me that if I paid {$4000.00} on or before XX/XX/XXXX, this would clear my balance. I made the payment, and they still show I have a {$1000.00} balance. This is a scam..
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX and experian in regards to two account being listed on my credit report. the accounts are identity theft and I have submitted a valid police report with a ftc complaint as well. They will not remove the accounts from my report. I have sent four letters to experian and have received the same response as the accounts have been updated or remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 XXXX, CA XXXX XX/XX/2017 XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied with a lender and they told me my XXXX XXXX was XXXX instead of what shows on my credit report. Which was in itself embarrassing and a hinderance. Upon looking at my XXXX report I noticed that there are several fraudulent inquires and accounts on my credit report. Also it shows accounts that were resolved and removed as still posting deragatory on my account as well.. XXXX Equifax and XXXX has a duty to report Accurate information and to investigate and screen information before allowing it to post to my file as well as audit my file to update any necessary information : The following accounts./ inquires are Fraudulent and need to immediately be removed : XXXX : XXXX FRAUD / REMOVE XXXX XXXX FRAUD/ REMOVE XXXX XXXX FRAUD / REMOVE ARCHILDSUPPORT/ XXXX THIS ACCOUNT HAS BEEN UPDATED BY COURTS AND NEEDS TO IMMEDIATELY BE REMOVED!! 
XXXX XXXX XXXX FRAUD / REMOVE XXXX XXXX XXXX / FRAUD / REMOVE XXXX : XXXX XXXX XXXXXXXX / XXXX FRAUD / REMOVE XXXX XXXXL XXXX / FRAUD / REMOVE XXXX XXXX XXXX XXXX / XX/XX/2021 / FRAUD / XXXX XXXX XXXX XXXX XXXX  XXXX FRAUD XXXX XXXX XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX XXXX XXXXXXXX / PLEASE UPDATE ACCOUNT AND REMOVE FROM MY FILE / REMOVE! 


XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX XXXXXXXX FRAUD / REMOVE XXXX XXXX XXXX XX/XX/2021 / REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US Bankruptcy Court XXXX  Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX acct # XXXX, 15U.S.C. 1681 section 602A States I have the right to privacy 15U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

PayPal is refusing to close my account that hasnt been active for over 3 years. Stating that my bank must verify banking information that on a credit card that is expired. I called on XX/XX/30 to attempt to resolve the issue. The representative that I spoke to was rude and placed me on hold never coming back to the phone. When I requested to speak to a supervisor.
Product: Credit reporting or other personal consumer reports

RE : Dispute of Inaccurate Information on Credit Report Dear TRANSUNION, I am writing to inform you that after multiple attempts to dispute inaccurate information on my credit report, you have failed to comply with the law.

I have already disputed this information with you through the CFPB, multiple times. However, you have failed to remove the inaccurate information.

This is a violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i - Procedure in case of disputed accuracy which requires credit bureaus to remove inaccurate information from credit reports.

Notice of Dispute violation via Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute. 

The FCRA also gives me the right to sue you if you fail to comply with the law. 
I am requesting that you delete the following accounts attached to this complaint from my credit report within 15 days : If you fail to delete these accounts within 15 days, I will be forced to take legal action.

Enclosures : Copy of credit report with disputed items circled Documentation supporting your dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent accounts : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$430.00} XXXX  XXXX  XX/XX/XXXX {$750.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX $
Product: Mortgage

In XX/XX/XXXX, i purchased a home. Due to the size of the loan, i had a first and second mortgage. A year after i purchased the home, I refinanced the second to a lower rate. I did not take any cash out. In XX/XX/XXXX, I began working with XXXX XXXX XXXX to refinance my 2 existing loans into one fixed rate loan. XXXX brought my loan to multiple investors, but continually ran into new and unfair XXXX XXXX and XXXX XXXX   guidelines. Despite NEVER having taken cash out on my 2nd/HELOC and not taking any cash out in this transaction, the new guidelines allowed the lenders to call my loan a cash out, thereby enabling them to charge me a much higher interest rate and require cash at closing. I was finally able to get a loan in XX/XX/XXXX and I am currently paying Plaza Mortgage 5.375 % on my loan. Had the unfair provisions not been put in place, i would have refinanced several months earlier, saving thousands of dollars, i would have received a lower interest rate, paying several hundred dollars less monthly on my mortgage and i would not have been required to front any cash to lock the mortgage. I provided documents from both my original purchase and the refi of my 2nd as well as statements from my heloc going back over a decade to show that I never took any cash out. I proved that the loan was not cash out, but the lenders rejected my proof simply because they could and would make more money off of me. My loan was nearly completed several times when lenders would stumble across this practice and change the terms on me As a recently divorced single woman, i needed to refinance in able to afford my mortgage on my own, so i didn't have the option to reject the loan offer, but i am incredibly disheartened by the strong arming and questionable tactics used to force me to pay a higher interest amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Online disputes were filed with all 3 credit bureaus on : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and dates older regarding an account where the balances are incorrect. 

The original balance is listed as {$8700.00} but the past due balance is {$15000.00} which is not at all possible given the original balance was only {$8700.00} not to mention the car was resold and that amount was not deducted from the balance. 

I have even worked with credit repair companies and this account is still listed on my report incorrectly. After the dispute investigation its only reflected as updated with no changes and no one contacting me via phone or mail acknowledging that a dispute was received. In my opinion, no investigation was completed and this is not just applicable to this account but all accounts that I have disputed in the listed dates above and prior to those dates. I am aware of the Texas code for financial institutions in that surety bond info must be accurate and active in order to do business in this state. After a thorough search, no surety bond information was located for the company listed above. Also when attempting to reach out to that company, there is misleading information about when needing to file a complaint or concern.
Product: Credit card or prepaid card

In XX/XX/XXXX my children each received a {$100.00} gift card via USPS mail from their aunt ( who resides in another state ). She purchased both gift cards at a XXXX store. On XX/XX/XXXX I assisted one of my children as they attempted to use their gift card to make a purchase. The card was declined. Upon researching the card 's transaction history I learned that the card was already used to make a purchase on XX/XX/XXXX in another state. I checked my other child 's gift card history and learned that it, too, was used in the same manner. 

On XX/XX/XXXX I called InComm Financial Services ( XXXX ) as that company represented the card 's issuer, XXXX, XXXX. I made XXXX fraud reports for the cards ' usage. I was issued case numbers XXXX and XXXX. I was provided the email address XXXXXXXX  to follow up on the cases. 

On XX/XX/XXXX I emailed inComm at the email address I was provided to get an update. I received no response. 

On XX/XX/XXXX I called InComm at their toll free number to get an update. I was informed that the cases had been closed out. I requested to be sent documentation about my investigation but was told that due to the length of time since I reported the fraud I would not be provided with anything. 

It was only after going through the process of filing fraud reports with InComm that I learned of the rampant fraud that occurs with gift cards sold in stores. The cards are not placed in tamper-proof packaging by the manufacturer and the stores do not place them behind counters. This enables thieves to steal the gift cards, open the packaging to obtain the card 's numbers, and then return them to the store. Unsuspecting customers then purchase the cards. The thieves subsequently use the numbers on the cards which they previously wrote down and spend the money themselves. These companies and store are aware of this problem. They have done XXXX to protect consumers. They are content to collect the money regardless of how it was acquired. I feel that the credit card company and XXXX are both liable for this rampant form of theft and feel as though they should be required to reimburse each customer who was victimized by this type of theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX AL ) XXXX XX/XX/XXXX {$790.00} XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XX/XX/XXXX {$680.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3600.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX XX/XX/XXXX {$1700.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX-XXXXXXXXXXXXXX XX/XX/XXXX {$920.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.