23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I moved from Wisconsin to Minnesota XX/XX/XXXX. I updated all of my financial creditors with my new address. My first year in Minnesota was a financial disaster, physically stressful to the point that the stress made me sick. I feel beyond in a capital one quicksilver card however had a capital one XXXX card that was paid off every month. I received no written communication from them about them changing my card. I saw in my experian credit report the debt was charged off in XX/XX/XXXX and have received no communication from capital one about that account. 

Around XX/XX/XXXX, capital one closed my XXXX card and gave me a XXXX. I noticed that on the XXXX app. I never received a physical card but I did receive a digital card. I contacted capital one at least 5 times requesting the physical card. It turned out they mailed it to the address i moved from in XX/XX/XXXX and it was repented to then in XX/XX/XXXX but they had my updated information because I've been active on their app. Each of those phone calls took an average of XXXX minutes to XXXX hours, each time requesting the new card be mailed to me, and confirming my minnesota mailing address in each phone call. 
Out of the no where, I received a letter from their debt collector, XXXX XXXX Firm in XXXX XXXX, Mn, in the mail on XX/XX/XXXX. Coincidentally, on XX/XX/XXXX, I receive an envelope from capital one with a statement for the XXXX that replaced the XXXX card ( but they claim they have not able to mail me a replacement card for the XXXX account that replaced the XXXX card, which is the physical card they claim was returned to them in XX/XX/XXXX because they mailed the original card to the address I'd not lived at for over 18 months ) > which is also the first written correspondence I've received from them since moving to Minnesota on XX/XX/XXXX. 

I need help please.
Product: Debt collection

This company practices in predictory lending practices during the pandemic. They advertise on their website the following ( https : //netcredit.com/blog/how-cares-act-impact-credit-score/ ) : " During the CARES Act, if your finances are affected by COVID-19, you can make an agreement with your creditor to update or change your payment terms, which may include temporarily skipping or reducing payments. As long as you maintain the new terms, youll be able to keep your account up-to-date without any damage to your credit score ''. 



I had to miss a couple of payments during COVID-19, and I communicated with netcredit from XX/XX/2020 to XX/XX/2020 and instituted repayment plan. During the CARES Act, my finances are affected by COVID-19. I made agreements to change my payment terms. I have maintained the new terms, but Netcredit is still reporting me as late to the XXXX, XXXX, XXXX and damaging my credit score. 

I called and wrote a letter, asked to speak to suupervisor and was unable to. This company is currently being sued in VA for predictory lending practice. Horrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX and Equifax requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However, the credit bureaus could not provide any documentation on any the accuracy of the accounts, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 

Accounts Below Equifax : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous! ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One did not report my payment history accurately. My reports do not show several payments report ( usually indicated as OK ). My reports indicate NO DATA AVAILABLE. Capital One claims they reported my payments. Below are the months and credit bureaus in which my payments were not reported. 

XXXX : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Please see reports and Credit Card statements as proof of payments for each month. 
Please note, Capital One did not generate a statement for me for the month of XXXX. However, My balance for XX/XX/XXXX is shown as PREVIOUS BALANCE on statement period XX/XX/XXXX- XX/XX/XXXX.
Product: Vehicle loan or lease

On XX/XX/2021, I was not provided a separate sheet explaining my financing charges, nor do I have a copy in my documents that I left with from the dealership. 15 U.S. Code 1605. Along with the code it states that a down payment is not required for purchase, for cause that " consumer credit transaction shall be determined as the sum of all charges ''. 

I went to get my tires rotated and oil change and told that dealer about the extended noise by XXXX ' blind side window signal, extended on average 40 seconds longer than normal, after the time vehicle or Indvidual passed. Also, the standard price for a XXXX  XXXX XXXX XXXX was {$23000.00}, they over charged me. The price for the vehicle was {$25000.00}. Excluding tax title and license. When I specifically asked for a standard automobile.
Product: Credit reporting

I have XXXX now asked for the method of verification that Equifax is using to report public records. I 've filed XXXX dispute through CFPB ( XXXX ), and Equifax stated that " Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax did not receive any additional communications from the consumer during the review of the complaint. " I am getting tired of wasting my time. I have the right to know how the are verifying information. They have had XXXX opportunities to provide me with that information. XXXX times they have failed to do so. Per Per FCRA Section 611 ( a ) ( 6 ) and ( 7 ), I have a right to be told. I 've checked with XXXX Courts, and the Courts are not giving them this information.
Product: Checking or savings account

On XX/XX/2022 I received a call from a representative of Fifth Third Bank by the name of XXXX XXXX He informed me that my account will be terminated in the next 35 days. I asked why is this happening? And he stated that my account is a " high risk '', and that's the reason behind the cancellation of my account. I asked XXXX if he could be more specific on why my account is being cancelled and he stated " No, that's all that I can let you know ''. I am unable to view my online profile as well as make purchases with my debit card because my card has been blocked. Please help me get detailed reasoning and information on why my account has been cancelled. Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you Experian Credit Reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 Business days of you receiving this complaint. This fraudulent inaccurate, and false information These fraudulent accounts consist of mobile service account XXXX XXXX XXXX under the account number XXXX opened XX/XX/XXXX, a personal credit card XXXX XXXX XXXX Bank XXXX XX/XX/XXXX under the account number XXXX, an XXXX XXXX account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX under account number XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX  under account XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX UNDER ACCOUT XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my Experian credit report. Ive attached a list of the hard inquiries in question as well as a copy of the Experian credit report maintained by you which shows the aforementioned accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on Experian report were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Case # XXXX proof from the US federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) finalized a rule prohibiting medical debt from appearing on consumer credit reports. This rule applies to ALL MEDICAL DEBT, regardless of the amount or payment status. Since then, I have submitted numerous disputes to all three credit bureaus to remove ALL medical bills from my reports. The medical bills were not only incurred while Medicaid and XXXX fully insured me, but they failed to try to submit the bills to insurance before turning them over to collections. I have disputed these collections several times. Since my disputes began three to four years ago, a rule was passed in XXXX to remove all medical bills and collections from credit reports. But, even after the bills have been disputed the credit bureaus fail to do what the new law has established. I notified each original biller several times that I had medical insurance on file with them, and there is no reason why debts are being turned over to collections. All of my disputes for my medical bills get denied in under 24 hours. According to a federal law that passed in XX/XX/XXXX, I should not have to fight these companies to remove medical bills from my report. I have stated this in my most recent dispute. I was hoping that the credit bureaus would have handled this accordingly so that I would not have to submit this complaint. But these accounts were already disputed and removed when the first law was passed about medical bills under {$500.00} on credit reports. They were increased and then put back on my credit report again. This should not be allowed, and as of this date, is now illegal. Thank you for all of your help. 

XXXX XXXX XXXX Summary : H.R.2537 117th Congress ( XXXX XXXX Shown Here : Introduced in House ( XX/XX/XXXX ) Consumer Protection for Medical Debt Collections Act This bill restricts the inclusion of medical debt on a consumer credit report. 

A consumer reporting agency is prohibited from including on a consumer credit report, and a person is prohibited from reporting to such agency ( 1 ) medical debt arising from a medically necessary procedure, or ( 2 ) other medical debt less than a year old. 

A person reporting medical debt to a consumer reporting agency must first provide notice to that consumer regarding the restrictions on including medical debt on credit reports. 

Furthermore, a debt collector is prohibited from collecting a medical debt less than two years old.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$790.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to Equifax numerous times about incorrect information displaying on my credit report such as previous addresses, filed numerous disputes and still the information is going on unresolved, this issue is affecting my everyday of life and background checks, please help resolve as i have tried numerous times.
Product: Student loan

i graduated inXX/XX/XXXX. my loans went into repayment XX/XX/XXXX. 
i have made all payments on time and in full since XX/XX/XXXX. 
i contact fedloan to count the number of qualifying payments every 2-3 months and their number never increase. i have a total of 8 loans that all went int repayment XX/XX/XXXX yet for one loan it say i made 19 payments and then on other loans it says i've made 23 payments. every time i call no one wants to give me a straight answer and just request a recount which never is accurate. the representative agree that their numbers do not make sense and put in a request to count but nothing is ever explained or resolved.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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 XXXX  days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Bank of America credit card account has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Lastly, 15 usc 1666b A creditor may treat a payment on my credit card account under an open end consumer credit plan as for late any purpose. 

I called and asked for it to be removed and was told that they no longer can do it and I am responsible to do it myself
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX /XXXX # XXXX Account name : WXXXX # XXXX Account name : XXXX XXXX, XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXXXXXX XXXX XXXXt status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In 2016 Took out a Loan with Home Point Financial this year in the last three weeks refinancing and onto to find out can not close because lean om my home with past klender that Homepoint was responsibe to take care of with there previous titale company pai XXXX to a titale company and homepoint finacial to do XXXX. The last two days been working continuiously to try to get the Lien off with minimal help from my current lender that messed up to began with. I sent them several documentations in the last two days. Even wen to court house this morning to only look like a XXXX the county court hosue i worked at in past how embarrising I been paying home point for a whole years and they dont even hold my mortgaege. And aagin this is not my field when i apply and take out a loan i exspect the lender and the titale company and all involve under the sole responsibility of the reatining lender to take care of everthing they had no poroblem taking my money for closing cost now they asking me for documents and want me to fix the problem which is totally nonsense and they shoudl own up take responsiblity and fixe the problem. They tell me they dont even have access to my fiel which is bull yes they do I did follow up with attourney and 3 other lenders 2 are the top lender in the nation. This stress has caused me sever health problem in the last couple weeks.
Product: Vehicle loan or lease

I was XXXX  when I got this loan on a car and the interest rate is beyond high I owe like XXXX in interest a week after having car it broke down, and I continue to have problems. Would like interest rate lowered so I can pay off loan and move on
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that remains unresolved despite my previous efforts. My situation aligns with the recent lawsuit filed by the Consumer Financial Protection Bureau against Experian ( Case No. XXXX ), which details multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). These include Experians failure to properly reinvestigate disputes, notify consumers of reinvestigation results, and ensure the accuracy of reported information.

In accordance with 15 U.S.C. 1681i ( a ), Experian is required to : Conduct a reasonable reinvestigation and provide me with clear, accurate results within 30 days.

Forward all relevant information, including my supporting documents, to the data furnisher. 
Remove or correct any unverifiable, inaccurate, or incomplete information. 
Provide a detailed explanation of any changes made ( or not made ) as a result of my dispute. 

If Experian fails to correct these errors, I am prepared to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will consider legal action to enforce my rights under the FCRA