23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an error on my consumer report furnished by XXXX XXXX. My consumer report has a fraudulent late payment being reported on account # XXXX, which is causing me damage as a consumer and limiting my ability to extend credit. XXXX XXXX XXXX  card is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. I have made them aware of this error well over a month ago and they are choosing to break the law. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information. Congress has stated there shouldnt be any late payments? XXXX XXXX and the CRA 's ( XXXX, Equifax, and XXXX ) are attempting to harass me and violate my right as a consumer purposely. I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m. Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX been accepting? Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me. I demand the error in question to be changed to paid as agreed to reflect 100 percent payment history. 

once again this late payment is in regards to : XXXX XXXX Account # XXXX Date : XXXX of XX/XX/XXXX.
Product: Credit card

Subject : Formal Complaint Regarding Misrepresentation by American Express Dear Consumer Financial Protection Bureau, I wish to report an issue that occurred with the American Express ( Amex ) Customer Service in XX/XX/XXXX, where I was provided false and misleading information regarding their Platinum Card offering. 

I initially contacted Amex with interest in an offer I received concerning an Amex Platinum Card. The representative informed me, as a potential Platinum Cardholder, that I would be eligible to receive a " Complementary Gold Card ''. This was appealing as I was told I could accumulate points at a higher rate with a Gold card ( i.e., 3x points or even higher, compared to 1x points for the Platinum Card ). Despite the annual membership fee for the Platinum Card being nearly triple that of the Gold Card, I proceeded to open a Platinum Card account based on this information, which later turned out to be entirely inaccurate. Not only is the complementary card not titled " Gold Card '', but it does not offer any added point rewards either. 

Further, the representative did not verbally disclose any detailed information and failed to obtain my consent that I would review the disclosure agreement independently online or through a paper source at my own convenience. I was accordingly sent both Platinum and " Gold '' cards in the mail the following week. 

A few months later, without prior request from my end, I received a replacement card for the " Gold Card '' in a different color. This prompted me to file a complaint in XX/XX/XXXX and I pursued follow-ups every two months thereafter. Yet, in XX/XX/XXXX, the outcome of their investigation, which dismisses any errors on Amex 's part, was unsatisfactory. 

I hope to receive fair and prompt action in resolving this issue. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

My personal information was breach due to the data breach with XXXX and experian. I receive notications often that my social and email address is on the dark web.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the XXXX data breach/identity theft there are many unauthorized inquiries and accounts on my credit report that need to be removed immediately. What the bureaus are doing to people is terrible. I go to closing in for a new home in 30 days and this is really holding me the XXXX back! This is ridiculous. According to the FCRA laws I know if I filed a FTC report that whatever is unathorized is to be blocked and removed. Now, CFPB please encourage Experian, XXXX and XXXX to do their part because if i do not receive a response and those things mentioned on my credit report still exists, I will suing all 3 bureaus. 

Please do not tell me that " its not me that authorized this complaint '' because I am attaching my ID, and Social security card. No stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to XXXX. I have receipts of everything. FTC report reference number is # XXXX.
Product: Credit reporting or other personal consumer reports

What do you do if there is more than one error on your TransUnion credit report? I have to apply for a home loan in the next couple weeks, and there are two collections reports on my report, and TransUnion said that I can only submit one dispute at a time, and if takes 30 days for each dispute? People cant be expected to put their lives on hold for more than 2 months when theres information thats not even correct on their credit reports. Information that has huge impacts on their scores. Were talking XXXX points. Its not my fault theres incorrect information on my report, yet guess whos being punished with higher interest rates?
Product: Debt collection

XXXX XXXX XXXX XXXX : Acct # : XXXX, Amount in Dispute : {$1500.00} Dear XXXX XXXX XXXX, This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ) which state : ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the XXXX period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumer 's written request within the XXXX period, the debt collector will provide the consumer with the name and address of the original creditor, if Re : Acct # : XXXX, Amount in Dispute : {$1500.00}
Product: Debt collection

Attached is a breakdown along with supporting documents. 

Northstar Location Services , LLC is attempting to collect a debt. The vehicle, a XXXX XXXX XXXX, was repossessed with approximately XXXX miles and sold for {$63000.00}, while the original amount owed was {$86000.00}. ( diplay price {$70000.00} ) A down payment of {$5000.00} was made, followed by consecutive payments of {$1300.00} and {$1500.00} for the next XXXX months. 

Breakdown of the charges and adjustments XXXX ; t make any sense for us + {$18000.00} No exact break down
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have enclosed my FTC Identity Theft Report, proof of my identity and all the fraudulent items showing on my credit report. 605B of the Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*** Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

3. there is some inaccurate information reporting XXXX XXXX  Account Number : XXXX  Please update- All New Reporting Information to- paid as agreed and current. 

4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax in regards to a company, called XXXX XXXX XXXX XXXX that has listed a payday loan on my credit report for $ XXXX.I told them this should not not be on my report.I never received any response from them in them in regards to my dispute, it has been more than 30 days.I also told Equifax, that I had paid this loan, more than I owed these people, and I donot owe them any money, apparently they did not do an investigation.I am not sure of the exact date, I contacted Equifax, except in was in XXXXXXXX XXXX, it is now XX/XX/XXXX
Product: Debt collection

DRS sued me in XXXX XXXX Ohio for alleged unpaid medical debts. I had repeatedly told them that I had XXXX on the dates of service SIX years ago and they kept telling me I did not. I also told them that one of the dates of service would have been covered by XXXX. I was never served papers, the docket shows that they attempted to send a certified notice to me, however I did not live at that address at that time. The docket shows that it was simply sent via regular mail to my then ex boyfriends house. I never got it. However we reconciled and I did receive the request for summary judgement and I promptly answered it, and provided DRS with all of the billing information that they should have needed for the dates of service. The hospital already knew I had coverage in XXXX so this year was not provided to DRS, however my XXXX  information was provided to them. I hand delivered to DRS a letter showing that I had coverage for the entire year of XXXX under XXXX thus clearing myself of any debt, the debts that DRS has placed on my credit. I delivered this to them on XX/XX/XXXX. When I called the next day and spoke to XXXX XXXX, she told me the accounts will not be removed from my credit until meidicaid pays the bills. It does not matter if medicaid actually EVER pays these bills, the hospital is not legally allowed to bill me in the first place because I have/had medicaid. XXXX is holding my credit XXXX!! I have proven that I do not owe these debts, XXXX KNOWS I do not owe the debts they have on my credit and have refused to remove them!!
Product: Student loan

I am unable to make the high payments. Over the past year every time I call Navient I am given different information, am told I am not eligible for programs, given different amounts and dyes due. Last time I call I was told I can not enter a program. I called again and entered the same program one month later. Navient then reported me 60 days late on my credit reports.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XXXXXXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/24 I reached out to Wakefield and associates to attempt to resolve a debt associated with there company. I was transferred to the department that was said to have my account. The agent then instructed me to send an email to XXXX with the screenshots of my credit report showing the balance in relation to Wakefield and associates.Upon confirming with my credit specialist the requested attachment and email was sent along with account information per credit report. I in turn reached back out to Wakefield and associates to once again attempt to resolve the debt owed, so that the account could be removed from my credit report. 
The agent I spoke with after sending the requested email stated that she still did not see an account for me or my husband.I asked if I could speak with a person that could help me in regards to the email I sent to get a resolution. To wher I was told that it was not possible and that they would respond to my email within a couple of days. I have yet to get a response.
Product: Student loan

As a student of XXXX XXXX I was defrauded out of XXXX of XXXX with malicious intent. Navient as a servicer should be held liable for handling funds for a fraudulent entity. DoE has discharged all federall guaranteed loans but I paid over XXXX in loan payments to 2 private loans held by Navient. There should be forced recourse by this loan servicer to refund all paid monies.
Product: Credit card or prepaid card

I received a letter stated I enrolled in Credit Protection, which I did not, and that there would be a monthly fee. The letter did not offer a telephone number I could call. The letter said I had to go online and submit a refund inquiry. I had my daughter help me because I am not familiar with online services. I wanted to speak to someone, or leave a comment, to make sure I am not enrolled in the Credit Protection, but that was not an option. All I could do was submit the refund inquiry. This is very concerning! I refuse to pay for something I did not sign up for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian still has Identity theft accounts on my credit report. Still after 3 times of disputing they still not doing things right. My name is still not fixed. its XXXX XXXX XXXX XXXX Also they still have XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , 2 accounts from XXXX XXXX XXXXXXXX. These need to come off. I did receive a letter stating that XXXXXXXX XXXX was deleted off my credit report but its still on here. XXXX line of credit, XXXX, XXXX card not listed. XXXX and XXXX XXXX took off what was not mine and not its right but they still don have my XXXX   XXXX line or credit XXXX 's or XXXX card but its in the works of contacting to see if they can add them.
Product: Debt collection

I received a collections letter from Helvey & Associates Inc about a utility bill balance of {$53.00}. I explained to someone at the company that I am a victim of identity theft and I have no knowledge about the bill. The company took it upon themselves to search through public records to pull up my name XXXX XXXX. I did not give them permission to search me. I am a XXXX XXXX XXXX as well and I try my best to live in privacy because of that. This company keeps calling me repeatedly from different numbers through out the day. They have no verifiable debt information and I ask that this company leave me alone immediately before I seek legal advice from my lawyer.
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 168b permissible purposes of consumer reports. 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. 

Inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Vehicle loan or lease

Car was refinanced from this company. 
It should not read charged off
Product: Credit reporting or other personal consumer reports

Equifax requested by mail response to submit 2 items for proof of identity, 4 times dates XXXX XXXX XXXX XXXX. I sent a copy of my SSN card, credit card statement with my name and current address, utility bill with name and current address " as requested '' all 4 times. All 4 times I get a repeated letter in return, requesting the very same items I previously sent in to the address given on the their letter, which is a stall tactic with no result of correction to the report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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 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