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

My account with XXXX was never late! I have had exceptional payment history with 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 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 Never Sent the periodic statement along with the disclosures from section 1637 ( 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 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 card or prepaid card

Spoke with XXXX on XX/XX/22 at XXXX I was given relief on my missed payments. I was negatively impacted by the coronavirus pandemic and missed payments on my discover card, When discussing the cares act with the agent, asking that since I received relief with the accommodation of waived late fees that the account should reflect as current. This was not provided to me. 

On XX/XX/XXXX I spoke with 2 agents I was given a refund in late fees and encouraged to raise my limit.
Product: Checking or savings account

My debit card was stolen. Charges were made against my account, which I did not authorize. I alerted the bank as soon as I noticed the charges. There was also a charge which I did make, but didnt receive the service. The bank initially credited me for the charges, but are now reversing everything. The unauthorized charges which were completed, I wasnt in the city/state to even make those charges. I supplied documentation and proof of my flight which shows the dates the charges were physically completed in XXXX XXXX XXXX, I was physically in XXXX XXXX, LA. The bank refuses to fix my account. Yet, has my account in XXXX, which, as I stated, I was In XXXX XXXX when they occurred. Unfortunately, my card was stolen by a guest I had in my home during the holidays. I was further ridiculed on having my debit card pin around my debit card, but thats the only way Id know what it is. I cant remember numbers anymore in my head. I have to write them down. It isnt fair to punish my because I cant remember. Id known the person for 10 years. Never thought hed take advantage of me.
Product: Credit card or prepaid card

I applied for a secured cc from first progress. I filled out their application, and made a deposit of {$450.00}. Soon after I received the card, I lost it. Immediately, I called first progress and reported it. During the conversation with their representative, I was asked which transactions were mine. Was told that the card and account was cancelled, and a new card should arrive within 13 business days, this was on the XXXX of XXXX. On the XXXX of XXXX, I called first progress back, I inquired as to when my new card was supposed to arrive, and when my payment was due and the amount ( it was on the XXXX ). To which I was informed, that yes the card/account was cancelled, however the order for a new card was never placed! And as far as the due date, well since the account was closed, they couldn't accept a payment, until I received the new card, and activated it, and the date should then be rolled over until the XXXX of XX/XX/XXXX. Again I was told a new card was ordered, and would arrive within 13 days. XX/XX/XXXX, the new card arrived, which I promptly activated without any issues. This morning XX/XX/XXXX, when attempting to use the new card to purchase coffee, it was declined! I pulled up my account, which showed I had {$85.00} credit available, and a late fee! I was upset that I was charged a late fee, as well as interest, for not making a payment on the XXXX of XXXX, the payment I was told I couldn't make due to the account being closed. I called the number that they claim is customer service. The first person listened, and replied there is nothing they can do about the charges, and I need to make a payment to reactivate the card. Unsatisfied I requested to speak to a supervisor. After 3 minutes on hold another person answered to state she'll be right back and again I was placed on hold. 38 minutes later, an apology was issued for the long wait, and again was told nothing can be done, I asked for her name, and her supervisor. She refused to identify herself and after another long wait on hold, the highest person with the ability to speak, a person claiming to be " XXXX '' employee ID # XXXX, said he could waive the late fee, but wouldn't waive the interest, was not apologetic about the rudeness of his staff, and couldn't turn the card on until a payment, which mind you, wasn't supposed to be due until XX/XX/XXXX, was made. " XXXX '' refused to give any contact information of his superiors. At this I had had enough, and requested the account closed and a refund of the remainder balance. The refund, I am told will take up to 75 business days.
Product: Credit reporting

Recorder of Deeds - Tax Lien - XXXX Amount paid - {$900.00} The lien has been satisfied and has been pain in full since XXXX 2014. I would like to have this removed from my credit report because it is effecting my credit score and when applying for a major credit card and loan. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$3500.00} on the XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My son came down with medical issues and I suspected it was due to mold and the neighboring tenants smoking near my apartment. My son has XXXX XXXX and the smoke was seriously harming his health. I contacted the Apartment Complex Manager however, they didn't do anything to address the issues so I contacted the City and when the apartment complex found out that I did this, they forced me to move out. I found out later that they charged me for three ( 3 ) months rent for time I was not living in the apartment. I have attached email correspondence for reference. The apartment complex broke the lease, I did not. This was through no fault of my own. They broke the law for not fixing a material defect and allowing other tenants to smoke near my apartment unit, as well as unlawfully evicting me and kicking me out, and for unlawfully charging me for rents that I do not owe. I do not have an outstanding balance due and therefore there is nothing to collect and/or charge off. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 section 602 A.States I have the right privacy 15U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instrctions
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with therf to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1XA ) ) The right to a reasonable investigation of disputed information ( Section 611 ( aX2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( aX6 ) ) The right to delete or modify inaccurate information ( Section 611 ( aX5 ) ) XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX. 
# : I am not liable for this debt with sprint and do not have a contract with XXXX XXXX XXXX. This collection is violating my rights. It is related to another BBB complaint ID : XXXX. I was illegally evicted during XXXX during a no eviction mandate in Florida. The landlord in the previous complaint ID mentioned fraudulently continued to use the electric in the rented property after I cancelled it. They illegally and fraudulently kept the XXXX XXXX XXXX XXXX XXXX  active after I had cancelled it and racked up a bill and now it is negatively affecting my consumer credit report. I have contacted an attorney and am proceeding with legal action against XXXX XXXX XXXX if this is not removed from my credit report immediately. The landlord who did this is the one liable for this debt, he knows that because he also tried to file a collection against me and he did not respond because he knew he broke the law and would be held liable legally and removed the fraudulent amount reporting to my credit. This needs to be removed immediately. My consumer rights are being violated under the following consumer protection laws under 15 USC 1681. :15 U.S.C 1681 section 602 A. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( 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. Remove this from all Credit reports, XXXX, Equifax XXXX XXXX Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to the Bureaus for 90 days. They always tell me the same thing. Keep saying it is accurate. They do not show original documentation on the items on my credit file. The XXXX XXXX system says everything suppose to be 100 % accurate. Nothing on my credit file is correct. They have not been responding to my disputes in a timely manner. I'm uploading only a few errors that is on my credit file. That is just the start.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have filed a police report and all the appropriate paperwork but nothing gets done. The paperwork I send is not ever processed correctly. 
These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not getting copies of the verification report per the FCRA. This is another violation
Product: Checking or savings account

I closed my account with Citibank and they continued to keep a recurring ACH active on my account. This ACH withdrew funds from my XXXX XXXX XXXX account into the closed Citibank account. I have no access to the funds and Citibank denies making the withdrawal. 

I have an email from Citibank with a transaction number and all the details from my XXXX  XXXX XXXX account showing they made the withdrawal. 

The account was closed on XX/XX/XXXX. They made the withdrawal on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 2 months I have tried to fix my online account to check the status of my Freeze Accounts. When I log into my profile it states under the dashboard selection as " UNKNOWN ''. When I sign onto my husbands profile it brings up two yellow boxed selections : Remove Freeze / Temporarily Lift Freeze. Eventually a TransUnion representative gave me a new File Number which removed the " UNKNOWN '' status but no options to remove or lift a freeze. It was recommended that I speak to the Fraud Dept regarding two error codes on my account. I called that Dept and they stated that there were no errors/no multiple files and suggested that I speak to the Online Support. I called that Dept and they said I had to speak to the Fraud Dept because I had an error on the account. And the beat goes on ... and on ... and on. I patiently followed there instructions but all I get is here is the telephone number ; you need to talk to them! Here are all of the numbers I was told to call : XXXX ; XXXX ; XXXX ; and XXXX. I called these numbers over and over again and each rep has their printed out responses/procedures that do nothing to correct my problem. When you try to explain the situation ; they simply state you need to speak to THIS DEPT AND HERE IS THE NUMBER! It would be very beneficial if all of the Departments were on the same page.
Product: Debt collection

On XX/XX/2023 XXXX XXXX XXXX requested that the debt collector in question please send me a copy of the Validation Notice with all original documents with my Wet signature which to date XXXX XXXX XXXX never received. 
On XX/XX/2023 XXXX XXXX XXXX sent a response to the debt collector to please Cease and Desist all calls to me for I do not confirm or acknowledge this debt. For which to date I XXXX XXXX am still receiving threatened text, email and calls to my self and family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies took longer then 30 days to investigate a matter I broughtvto their attention over 1year ago XXXX XXXX  notified me of the results either They are reporting a negative and fraudulent account that doesn't belong to me They are reporting XXXX  XXXX and this account does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is stealing my identity and opening accounts in my name without my knowledge or authorization. I received a letter from XXXX XXXX stating that I applied for credit with them. I did not apply for credit with them. Someone did so without my knowledge and authorization. The letter states that I have account delinquencies, public record and/or collection accounts, that I have too many accounts ( I only have two credit cards and one auto loan ), that my delinquencies are recent, and that the proportion of balances on my credit limits are too high. 

I have never been late on any of my accounts, I have never been delinquent on any payments. I have no public record or judgments and I have never filed bankruptcy. I have no accounts in collection. I only have two credit cards, and one auto loan. I have no delinquencies so I have no recent delinquencies. I keep my credit card balances low. My credit report has numerous errors and unauthorized accounts. 

I suspect that familly, particularly my daughter and/or her new husband are involved in the identity theft.
Product: Bank account or service

i had a valid overdraft caused by an oversight on my part. the bank charged a valid overdraft fee of {$35.00}. This fee alone took my account into the negative. Before my next pay arrived, I was charged an extended overdraft fee of {$35.00}. I called the bank to have the fee returned, as it was charged solely due to another fee the bank had charged.they refused to return the extended overdraft fee as it is current bank policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting in valid accounts on my credit report I have requested their investigation procedure according to the FCRA U.S. Code Title 15 Chapter 41 Subchapter III 1681i 15 U.S. Code 1681i - Procedure in case of dispute They continue to ignore me
Product: Money transfer, virtual currency, or money service

I Am filing a complaint against Cash app ( block inc ) due to inadequate customer service and unfair practices which violates the customer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive, as they didnt comply with error resolution requirements. Under the electronic fraud transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. Account XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Illinois medical privacy rules XXXX I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX