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

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXXtopay. 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 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: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1666b - Timing of payments Discover Bank you are in violation.
Product: Student loan

My federal student loans are in an interest-free forbearance. However, my account is still reflecting that I am accruing interest, some of which I believe I have paid already ( because my last payment was several weeks after entering forbearance ). 

I have attached both the notice from MOHELA that my loans are in an interest-free forbearance, and the notice that my loans are still accruing interest. I was told my forbearance was interest-free on XX/XX/year>, and was told I was continuing to accrue interest on XX/XX/year> ( I continued accruing interest through that date, and my account balance is still growing ). I spoke with a MOHELA representative on the phone on XX/XX/year> : they told me any accrual was in error and said they would confirm that in writing. They have not done so and I am still accruing interest.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and dissatisfaction with Transunions repeated failure to conduct a proper reinvestigation of these disputed accounts on my credit report. Despite my numerous requests for proper reinvestigation under my rights provided by the Fair Credit Reporting Act ( FCRA ), these accounts continue to be verified without any documentation provided to substantiate the method of verification of these inaccurate accounts. This persistent failure to comply with federal law is unacceptable. Your failure to complete a lawful and thorough investigation violates the FCRA. You are required to conduct a proper reinvestigation when disputes are submitted and to provide clear documentation of how the information was verified. Instead, you have ignored these obligations, which is unacceptable and demonstrates blatant disregard for federal consumer protection laws. It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) has filed legal actions against XXXX and XXXX for similar failures to adhere to proper investigatory standards. This reinforces my position that XXXX handling of consumer disputes is not only inadequate but also unlawful. I demand the following : 1. Conduct a proper reinvestigation of the disputed accounts in accordance with the requirements of the FCRA. FCRA 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), Transunion is required to send me documentation of the procedure used within 15 business days of the completed investigation for determining the accuracy and completeness. 2. Provide the requested method of verification for each account, including the name and contact information of the person that verified the accuracy of the information. What date and time did this conversation take place? How did you come to this determination that these accounts were " verified as accurate ''? 3. If verification can not be properly provided with concrete documentation, immediately delete these disputed accounts from my credit report. Failure to comply with these demands will leave me no choice but to escalate this matter further. I will not hesitate to file complaints with the CFPB, Federal Trade Commission ( FTC ), and my states Attorney General, as well as pursue legal action to ensure my rights as a consumer are upheld. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is your final opportunity to resolve this matter amicably and in full compliance with federal consumer protection laws. Please provide a response within the legally mandated timeframe. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had many issues with XXXX and their credit reporting errors and issues. I am never able to request a free copy of my credit report because each time that I attempt to XXXX has me send them proof of identity. Then, each time that I do so there still continues to be errors or issues either preventing my access to MY credit profile with their company and the right to file a dispute of erroneous information due to these continuous roadblock tactics. Today, I attempted to begin a dispute on an account that has since been deleted with other bureaus for inaccuracy, yet was told I have a NH ( no hit ) credit profile. This meaning that I don't have a credit profile at all, which can't be true if I check my XXXX credit profile and am able to see all of current credit accounts, along with ones that are inaccurate and fraudulent. The account in questions is Credence Resource Management for a XXXX XXXX account that I never owned, nor was ever contacted by them about opened in XXXX of XXXX, without my knowledge and then appeared on my credit report out of nowhere in XXXX of this year ( XXXX ). I have disputed it with other credit bureaus and it has since been deleted. However, am unable to do so with XXXX due to their constant credit profile roadblock tactics.
Product: Student loan

loan serviced by Mohela - late XXXX - amount of repayment amount is too high for my current income level {$440.00} - submitted recertification for income-driven repayment plan on XX/XX/XXXX - email message from Mohela on XX/XX/XXXX, subject " Correspondence Processing Delay '', stating that the recent request had been received and is expected to be processed within the next 10 business days.

- I sent the following message within the Mohela site on XX/XX/XXXX : " I submitted an application to be considered/recalculated repayment through the SAVE program in XXXX for lower payments than what I am currently expected to pay. The status of the application on my end appears to be " processing. '' I have since received a notification that my next payment will be due within the next two weeks. What are my options for submitting lower payments, while I wait for my application to be processed? Thank you. '' - paid {$440.00} on XX/XX/XXXX - submitted recertification for income-driven repayment plan on XX/XX/XXXX - called Mohela on XX/XX/XXXX to get movement on processing of recertification ; still no response to my message from XX/XX/XXXX ; awaiting call back from Mohela after being on hold 40 minutes
Product: Debt collection

My complaint is about Markoff Law located in XXXX, XXXX 
I checked my credit score today, XX/XX/2020 and noticed I had a negative action on my credit score due to a debt with XXXX  XXXX XXXX. I called them and they said to call Markoff Law at XXXX XXXX because a lawyer was handling this case, which I have never been contacted my XXXX XXXXXXXX nor this Markoff Law. So I called asking questions about the debt, why no one has contacted me, and said I wanted to set up a payment arrangement. XXXX was rude, spoke over me, and wouldn't help me. I had to ask to have someone else call me back. XXXX called me back, and refused to let me make payments towards my balance because it was too low. That is ridiculous that they will not allow me to make payments. How do I pay this off since they won't let me? They are trying to scam me for more money. The debt is for {$1000.00} and will let me pay it off for {$1000.00}, but since I financially can not pay that amount in one lump sum, they want to charge me oer {$1400.00}. That is ridiculous. Then they wouldn't even let me set up a payment arrangement because he wants me to pay over {$150.00} a month. I told him repeatedly I can not afford it and he didn't care. What do I do?? Many people have had issues with this place according to reviews I have read online.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day 30 days later I have not received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, and it has been well over 30 days so they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and the updated to paid as agreed. My information was also impacted by the Equifax data breach.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent Equifax a respond to their stall letter since they have been sending me stall letter twice. They said they need me to send in their ID and copy utility bill to verify who I am and which I sent twice already and also sent them a letter responded to their stall letter and they have not resolved anything as of this point. I need them to respond and give me result of my disputes and stop pretending by stalling. Attached is the proof of what I sent them 3 times I sent exactly what they asked and they still request my ID over and over again. Which is very frustrating to me and its been over 30 days they have not responded with any proper investigation.
Product: Debt collection

Consumer Financial Protection Bureau Subject : Dispute of Inaccuracies in Credit Report Dear Sir/Madam, I am writing to dispute inaccuracies present on my credit report, which have been reported by P & B CAPITAL GROUP LLC. I have identified several violations of federal laws in their handling of my account, which warrant immediate investigation and resolution. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite repeated requests, I have not received adequate documentation supporting the validity of the debt they claim I owe. This lack of validation directly violates my rights under federal law.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency has neglected to provide me with a proper means to challenge the accuracy of the reported information, denying me my statutory right to dispute the account.

Violation of Consumer Rights : The collection agency has engaged in false, misleading, and deceptive practices in their handling of my account. Such actions violate my consumer rights and undermine the integrity of the credit reporting process. These unethical practices must be addressed to ensure fair treatment of consumers.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) : Furthermore, the collection agency has furnished information to consumer reporting agencies without providing the necessary disclosures mandated by law. This flagrant disregard for federal regulations outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) demonstrates a clear violation of my rights as a consumer. 

I request that the Consumer Financial Protection Bureau investigate these violations promptly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge you to enforce penalties against P & B CAPITAL GROUP LLC for their failure to comply with federal laws and their disregard for consumer rights. 

Enclosed are copies of relevant correspondence and documentation supporting my claims. Please review this information thoroughly as part of your investigation. 

Thank you for your attention to this matter. I look forward to a swift resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX was apparently not properly notified with a warranty deed and apparently not paid by XXXX company when I sold my house. I have received debt collection notices from Transworld Systems Inc ( XXXX PA XXXX ) alleging they were collecting debt for XXXX. However, my records clearly show the alleged debt was paid via drop box ( XXXX in XXXX CO ) and that check has been paid. XXXX is at fault.
Product: Credit card or prepaid card

On the XX/XX/XXXX, I reached out to Chase in an attempt to raise my credit limit and upon reviewing my credit through XXXX, they denied me under the claim I have " too many installment loans other than mortgage, automobile, or student loans ''. 

Firstly, I only have 2, one of which will be paid in full on Monday, XX/XX/2020. Secondly, I have a XXXX credit score and have had this card for nearly 2 years. Due to this, I'm concerned that this rejection is an error and possibly an issue of discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I began complaining to Capital One Auto Finance that my account terms and balance was incorrect. I spoke with representative after representative. I would explain to them what was posted on the website was incorrect. What they told me was in their system and what was posted on their website did not match. I would put request after request for a supervisor to call me and no one would ever contact me. Well, when the contract end was near, I once again disputed the balance on the account. After several months of dispute, we finally came to an agreement as to what was owed to pay-off the account and that amount was paid. The issue is that during the final six-month dispute they reported me delinquent. I did not think it was proper for me to pay the incorrect amount and then fight to get a refund. It was the end of the contract and I do not believe it to be fair for you to report me as delinquent when there was a formal and legitimate dispute of the final payment total. Yes, the final payment was corrected and paid ; however, this inaccurate reporting to the credit bureau continues to cause me financial hardship in my attempt to purchase a home. I want the delinquent reporting corrected or remove from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX XXXX ( not I repeat not no my biological father-birth certificate-it 's fraud-two different ages-do n't know who this person is-why do I have to answer security questions in order to pass a security credit report question??? ), XXXX or I have no idea who these people. I have to keep answering questions from companies in order to pass a security credit report question. I reported, have tried to fix this problem. No a clue who these people are on my credit report. How can I answer questions about people I do not know, never. I did not grow up with them, don't know them. I am constantly reporting names I do not recognize-Tennessee. No I grew up in NY my whole life or XXXX XXXX. Never before XXXX did I have to answer questions about these people before. Why all of a sudden within the past couple of years for people who's personal info I do not know. 
Including XXXX XXXX XXXX is not my address in XXXX XXXX tried reporting but for XXXX to XXXX that is reported as an address. I am constantly reporting names, Addresses, places I never live, including someone with my identity using my name altered. That is truly weird for the past few years reporting names that never had to be answered before, all of sudden then in XXXX all this weird ( me the victim ) exhausting myself trying to report again, again to authorities.
Product: Credit card or prepaid card

My problem is with PAYPAL CREDIT, a subsidiary of PAYPAL ( specifically with a promotion entitled 6 mo free if paid on time ). Here are the relevant facts : My XX/XX/XXXX XX/XX/XXXX Statement DUE XX/XX/XXXX with " Amount to avoid Standard and Deferred Interest {$3300.00} ''. 

I placed a call to PayPal Customer Service on XX/XX/XXXX and specifically inquired if a {$2500.00} refund, which was being processed by PayPal, when cleared, would apply to my PayPal Credit XXXX statement balance of {$3300.00}. I WAS TOLD IT WOULD. 

During that same phone call I was advised that the difference of {$820.00} or more would be required to avoid interest. On the XX/XX/XXXX I made a payment of {$850.00}. 

My {$2500.00} refund sent to my PayPal Credit account was cleared on XX/XX/XXXX. 

On XX/XX/XXXX ( first business day after the XXXX deadline ) I was charged {$390.00} interest. 

My next call revealed the reason behind my dispute/appeal : - The Customer service wrongly told you that the refund would apply to your XXXX Statement ; - Person you spoke with on XX/XX/XXXX was a PayPal Customer Service member, NOT from PayPal Credit Customer service and THEY WERE NOT AUTHORIZED TO MAKE SUCH A CLAIM. 
- Your refund was applied to another promotion instead of your XXXX Statement, so you were charged {$390.00} for non-payment of {$3300.00} in full. 

I sent a FAX to PayPal Credit, demanding review and reversal of the {$390.00} ; I received two emails ( do-not-reply kind ) that a ) acknowledged receipt and b ) stated " Our response, if any, will be reflected in your account balance in 24-48hrs '' ...

One week later I had to call back to find that my appeal for fee reversal was denied, no further communications was deemed necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND MY SOCIAL SECURITY CARD TO THIS COMPLAINT. 
THE FOLLOWING ACCOUNTS ARE FRAUDULENT XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT XXXX XXXX XXXXXXXX XXXX ACCT # XXXX PLEASE SEE ATTACH ALL NECESSARY DOCUMENTATIONS.
Product: Payday loan, title loan, or personal loan

I filed a complaint with customer relations : XXXX yesterday on XX/XX/2018 I requested a cease and desist on my account and the CSR stated that it would be put through. 
I have received three phone calls from workers ( XXXX and XXXX ) from the XXXX office. They have called from their personal numbers : XXXX on XX/XX/18 I returned the first call and the collector answered " Hello '' instead of the Security finance greeting that they state when you call the actual office XXXX On XX/XX/18 I have received two calls from the following cellphone numbers XXXX missed call XXXX / returned call XXXX : pm I missed the call and called the number back Woman on the phone was real nasty with me stating that she didn't call me and that I must have missed dialed. This was the same woman from security finance. she stated that I should " pay my bill then '' the second call came from XXXX missed XXXX am / returned call XXXX another woman on the phone laughed and was very rude stating they are going to submit my account for wage garnishment. They are rude to me whenever they call or I make a payment and I will not stand for it.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

i was offered a free night with the intercontinental hotels program, i stayed at the hotel on the XXXX of XXXX 2016 for XXXX night. 
i was assured and promised that by the end of my stay i would only be charged XXXX night, then i was charged for XXXX nights. 
i have talked to all the representatives at the XXXX rewards program and with the accountant of the hotel and was assured it will be fixed. 
it was not fixed so i had to dispute the charge with Chase credit card, and they did not help me the consumer and credit card owner. 
so i canceled the credit card with out paying the disputed amount.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian WILL NOT address my concerns. For the last 8 months ; I keep being declined by creditors everytime I apply for credit or a credit limit increase. Supposedly, Experian can't verify my identity. If Experian can't verify my identity then why do I have credit inquiries? How did Experian accurately matched those inquiries to me if Experian can't verify my identity? I have 3 credit cards, student loans, etc that report every month to Experian. I have tried numerous times to address this issue with Experian to no avail. I want the inquiries removed as I didnt receive a fair and accurate report from Experian. This unfair business practice makes Experian a lot of money while it hurts people like me.
Product: Credit reporting or other personal consumer reports

Closed this complaint saying they can't fix th problem because the complaint is no specific to the problem, REALLY LET ME BE SPECIFIC EXPERIAN TOOK OFF ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND WONT PUT THEM BACK, YOU DROPED MY SCORE BECAUSE OF THIS PUT THEM BACK AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT OFF EQUIFAX, TXXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX DEPT ED ACCOUNT NUMBER XXXX is reporting inaccurate Balance owed, Dispute Status, last Payment, and Past Due Amount. These entries are all inaccurate. Delete this file immediately.