23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello experian is reporting a light bill on my credit report in collections which is paid.and light bills water bills should not be on uyour credit report as credit please have them remove it from them
Product: Checking or savings account

There weee many last year every month they took XXXX many times
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX are allowing XXXX XXXX ( account XXXX ) to violated my federally protected rights according to FCRA. 

1

5 U.S. Code 1692d A debt collector may not engage in any conduct the natural harass, oppress, or abuse any person in connection with the collection of a debt ; saying I am late and imposing late charges when in fact a finance charge was already enforce.

15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, * CA is reporting my payment status late & sending false information to bureaus, violating the FCRA * Credit Acceptance has been reporting that my payments are {$300.00} but charging for being late although Im paying them as agreed 300, plus i pay {$100.00} extra - [ ] 15 usc 1681 ( d ) : A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer ; the are abusve and destroying my payment history or my credit report - [ ] 15 UCS 1605 finance charge sum all charge including late payments ( which is in my contract ) so why are they triple charging me & adding imposing fees, another violation 15 U.S. Code 1681 The responsibility Consumer reporting agencies have assumed a vital role protecting information on consumers ; by ensuring fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its a pandemic and I was late a couple days on my chase credit card, i didnt know there was a pandemic assistance before it happened and I had just lost my job and was waiting on EDD benefits to be approved to be able to pay my credit card bills Ive submitted a goodwill adjustment in hopes if getting it removed due to me being affected by a pandemic
Product: Mortgage

My home was completely destroyed by flood on XXXX XXXX, l was told by my insurance adjuster that they would contact Chase ( my mortgage carrier ) and arrangements would be made so l would not be expected to make further payments in lue of the mortgage being paid off. My insurance company sent several emails requesting information to process this interaction, but no response was ever received from Chase. Upon my request to contact my insurance company, Chase refused to respond saying that the insurance company did not need any information from them to expidite the payoff. Upon a phone conversation in which my insurance adjuster made to Chase, they explained that email was not an accepted for m off communication for them and all interactions had to be submitted by way of fax. No contact was made however by Chase to either myself or my insurance company to relay this information and so they ignored any requests that had been made by myself and the insurance company for information relating to my situation.l then made phone calls to Chase to explain the situation at which time after more than an hour and a half on the phone and being transfered to XXXX departments, l was told l could only avoid being reported as delinquent to the credit department if my payment was made before it was more than 30 days past due, which at the time, l was hopeful would be paid off by the insurance company by that time.After several calls to the insurance company and 3 more phone calls to Chase requesting ANY options available to me to avoid a negative report, l was told there was nothing available to me to help my situation. On XXXX XXXX l made one final call to Chase to try and work out any kind of arraingment, l was then told that a mortgage assistance program had been available to me since the beginning and had been set up to assist victims of the flood with exactly this problem! Had l been informed, a simple form should have been filled out and l would not have been responsible for any further payments until the insurance company satisfied the loan. Of course l was told that it was too late to fill it out then because not enough time was left to submit it before the end of business that day when they would be submitting not a 30 day delinquency, but a 60 day one, which they did ... Now that my mortgage is paid off and l am starting over, l must apply for a loan to rebuild a mew home, but probably will not be able to get, due to a drop in my credit score in excess of XXXX points. If our financial institutions have this little regard for people like me who maintained a perfect payment record for over 13 years to them, and because l was a victim of a natural disaster, l am being punished and mistreated, and inevitably will be the one to pay a very high price for THEIR incompatance, then how are we supposed to have any faith in the " system '' or in our governing bodies!!!
Product: Credit reporting

I have a judgment on my credit file with Equifax. I filed a motion with the XXXX Court in XXXX XXXX, NJ to vacate the judgment. The motion was granted by the Court. 
I submitted copy of the final judgment to Equifax , so they could properly report it on my credit report. They sent me something that I believe they did n't bother to investigate with a final investigation result, when all they had to had to do with the copy I submitted was to contact the Court as to whether or not the court document submitted truly came from there. 
They simply concluded that the judgment shall remain in my file, when it has been vacated by the court in an oral argument in front of a judge. 
I want Equifax to respect court documents, when its people claim to be investigating a dispute, they have to do just that. I also want my credit file not to have a judgment, because it has been vacated by XXXX Court XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  did unlawfully close my account and charged it off and since then began reporting me as late payments and now reporting me as delinquent payment of XXXX  days and continue to raise charges every month and this has caused a massive decline in credit score am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my Credit worthiness and its illegal to report any payments as late. And then knowing and willing report false claims that Im late amd delinquent every month when the account is close and its unlawful to report false information and late payments then add delinquent payments this is defamation and destroying my ability to getting a loan of credit
Product: Bank account or service

I forwarded a check, in the sum of {$100000.00} to ALLY Bank BY XXXX # XXXX for the purpose of opening XXXX accounts, Check was received XXXX XXXX. Since then they have not been able to locate the funds or find out what is going on. 
XXXX supervisor advised that the money was received and that the accounts are being worked on - I asked that he e-mail info to me - but that was days ago and has not happened. 
I have been on the phone with over XXXX " supervisors '' at the bank, but all they want isthe answer to XXXX questions to identify me, DESPITE the fact that I was just transferred to them by the previous worker, who had asked me the same questions. Meanwhile, despite the promises of XXXX supervisors that they are working on the checks and will notify me " just as soon '' as the accounts are opened, I have heard nothing and I just might have fallen off the end of the world. 

I happen to owe ALLY Bank $ XXXX-XXXX on an auto loan but I have already advised them XXXX, UNTIL THEY HAVE FOUND AND DEPOSITIED MY {$100000.00}
Product: Debt collection

The debt collector calls everyday repetitively all day on a debt that I do not recall. The amount they are requesting is XXXX from a XXXX and XXXXfrom payday XX/XX/2009. 
# XXXX Fax # National Credit Adjusters Contact # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute for accounts that do not belong to me! I sent this letter to the bureaus over 30 days ago!! 

I began trying to obtain a home for my family and was denied due to erroneous information present on my credit reports. Since I noticed the incorrect information and accounts I got in contact with all the bureaus, which they then told me to submit my disputes through writing. I have been spending my time and money to submit these disputes to the bureaus and yet they do not provide me with any proof of ownership on ANY of the disputed accounts. I feel TARGETED and ATTACKED by these bureaus that are suppose to help consumers! 

The bureaus Experian, XXXX, and XXXX are also blatantly breaking the law by taking over 30 days to investigate my dispute and by reflecting accounts on my credit report that are inaccurate and inconsistent. They are in direct violation of FCRA 605!! And the Fair Credit Reporting Act, 15 U.S.C. 1681g!

The accounts I disputed are showing inaccurate Last Active Date, Payment History, high limit amount, date opened, payment history are all NOT reporting the same across all bureaus and this is NOT XXXX XXXX complaint, a regulation that all bureaus NEED to follow. 

I beg you please help me correct these issues because it is truly unfair that I am not able to obtain a home for my family like others can. I am starting to feel that because I am XXXXXXXX XXXX  I am being targeted and not being allowed to progress because they are placing these inaccurate accounts on my consumer report!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX on account ending XXXX XXXX XXXX  sent a letter to resolve the account and offered an opportunity to pay less than unpaid balance. They reported that it would be a savings of {$960.00}. And they offered to accept {$780.00} to reduce the account to XXXX  and stop further collection activities. So I called on XXXX at XXXX and talked to a XXXX # XXXX we made arrangements and I payed in full the amount and the account is payed in so I put a claim for my credit report to be cleaned and cleared and give my credit back from the ordeal. I recently checked Experian to see what was the resolution and noticed that I still that account that is settled a balance of {$960.00} the same amount that I was supposed to save, I really dont care but I need this fixed and I have documentation from XXXX XXXX  stated that this account is payed in full so there must be a glitch Experian system when check facts out! But I know what I payed and they asked for the payment to clear the account. Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion After submitting all information as requested completely and accurately. their response was can't complete at this time!!! 
This is a common issue as I'm sure you are aware. then when you try further contact, they try to sell you their monthly service for {$29.00}. 
They are obviously not following the federal mandate for FREE credit reports, and trying to require a fee to complete.
Product: Debt collection

I am writing to bring to your immediate attention a critical matter regarding fraudulent accounts on my credit report. Upon a thorough review, I have identified several accounts that are not only unauthorized but also present a serious risk to my creditworthiness. I assert that these accounts are not legitimate and have been included in my credit report without my consent. I have taken immediate action to protect my identity and have reported these fraudulent activities to the appropriate authorities. Furthermore, it is evident that there is insufficient information to verify the authenticity of these accounts. I request a comprehensive investigation into these accounts, and in the absence of concrete evidence supporting their validity, I insist on their immediate removal from my credit file. The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Debt collection

I continue to get resolution on an account that I have no idea about and instead of EASTERN ACCOUNT SYSTEMS OF CONNECTICUT , INC. handling it accordingly they are refusing to assist
Product: Credit reporting or other personal consumer reports

PENNYMAC LOAN SERVICES L Account Number XXXX I am demanding the following LATE PAYMENTS be removed because I believe my consumer rights have been validated based on the consumer law ( s ) listed below 15 usc 1681a - Definitions ; rules of construction Section 2 - Exclusions subsection A subsection i - reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 usc 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the me that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report.

Under 15 usc 1681n, - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. 
PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

I was disputing a Bankruptcy on my credit report that TransUnion verified as accurate. Confused by this I sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX and asked them for their method of verification.. On XX/XX/2020 I received a letter from TransUnion stating they were to verify that bankruptcy from my credit report by verifying it with the US Bankruptcy Court located at XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX.I took it upon myself to go to the Bankruptcy Court in person and ask them if they verified my info with TransUnion. They turned around and told me they did not, they all so typed out a letter for me stating that they didnt verify my info with the credit bureaus. After that i sent that letter to TransUnion through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 asking them to remove that Bankruptcy from my credit credit because it can not be properly verified. As of today XX/XX/2020 i have not gotten a reply from them.
Product: Credit reporting or other personal consumer reports

I sent a request to you to reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$17000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$330.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$4100.00} INQUIRIES 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
Product: Credit card

I checked my Discover Credit Card balance on XXXX and paid the small balance. 

Apparently, on XXXX, an inappropriate charge was posted via XXXX by an Ap on the phone. I was not advised of this charge by XXXX or the Ap ad I had no reason to expect it since I had immediately canceled during the trial period about a month ago. But the incorrect disputed charge was reflected on my payment period of XXXX and this resulted in Discover reporting a late payment on my account. I paid the balance as soon as I saw it and as soon as Discover emailed me that my payment was late. However, when I called XXXX at Discover, he was unable to tell me if a late payment had been reported. He did transfer me to the dispute department where I was able to file a dispute against the charge and Discover issued a credit. However, the late payment was reported even though I could not have anticipated the balance on my account. 

When you buy an XXXX  from XXXX, they require a credit card number in case they want to charge for " APs '' or other items. Then they load the phone with about fifty APs and you have to click on them to see what they are about. I clicked to see what this Ap was about and try it, and was immediately input into a " trial period '' subscription. After using the AP and obtaining an incorrect answer, I immediately canceled the trial subscription. Some time later, either XXXX of the AP tried to muscle me for payment by charging my account, even though I had specifically cancelled it and there was no notice that I was being charged, not from XXXX, not from the AP. This resulted in a late payment to Discover for a balance I could not have imagined existed.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.
Product: Checking or savings account

Opened a account with Chime Online Bank on XX/XX/XXXX and on the same day i linked my XXXX XXXXXXXX XXXX XXXX to my Chime account. So i did a money transfer of {$3.00} from XXXXXXXX XXXX to Chime. I was going to use Chime as my saving account. 
On XX/XX/XXXX i got an email from Chime saying my account has been closed, with no reason, from that moment i lost my login on the app and couldn't anymore access my account. At this point i was a little bit relaxed because i though my money would return to my XXXXXXXX XXXX account since i don't have Chime account anymore. But i was wrong, my money ended up at Chime. 
On XX/XX/XXXX i call the support to try to figure out my access to the app, no success. The person on the phone don't help me a bit, she told me everything would be done by email. 
After a few hours on XX/XX/XXXX i received a email from XXXX  asking me a lot of photos of documentation. 
Here 's what they asked me : A new government-issued photo ID, such as a drivers license or state ID card ( front and back ). 
Secondary ID ( Social Security card or passport ). 
A new selfie of you holding an ID document and a piece of paper with your name and today 's date written on it. 
Written explanation : Tell us the origin of the deposit ( s ) to verify that youre the intended recipient.

Documentation to support your written explanation such as : Receipts, invoices, pay stubs, work orders, bank statements, receipts for cashed checks, etc. 
I sent them everything, we change more than 40 email. 
They have some kind of automatic email that was keeping ask me some documents that i already sent and every email comes with different person name, like there's not only one person was taking care about my case but they were randomly We kept on email deal until XX/XX/XXXX that's the last email they send me They don't tell anything, they just disappear I don't know what to do now, they have my {$3.00} and all my documents information Please help me solve this out. Im desperate!!! 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraud inquiries on my report and a collection from a hospital