23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

About 5 years ago unbeknownst to me, my late wife acquired a few credit cards and ran up some debt. She passed away 4 years ago which is when I found out about this. I spoke to Consumers Financial Protection Bureau and was told that if 1 ) I didn't apply for the card, 2 ) never used the card, and 3 ) don't live in a community property state, I am not responsible for her debt. Using this information all of the credit card carriers, XXXX, etc. wrote off the debt. However US Bank eventually wrote it off but now they are calling me constantly, even after I asked them to put me on their " Do not Call " list. I understand they can be fined for that. They call from XXXX. It may be a collection agency. My credit score was hurt and still is with XXXX, XXXX who show i have 9 late payments with them. XXXX has my FICO score at XXXX where it belongs. Can you help me? Respectfully, XXXX XXXX XXXX cell XXXX. I'm going to be XXXX years old and the phone harassment bothers me. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX XXXXXXXX XXXX XXXX 
XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXX XXXX, FL XXXX These companies are reporting hard inquiries on my equifax credit report that I do not recognize. I do not have any open accounts with these companies.
Product: Credit reporting or other personal consumer reports

My account withXX/XX/XXXXXXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX 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 XXXX XXXX XXXX. 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 XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XX/XX/XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 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

FRAUD ALERT : THIS IS NOT A DUPLICATE SUBMISSION : I AM REPORTING FRAUDULENT AND XXXX XXXX of Equifax Customer Service Representative XXXX ( XXXX XXXX XXXX XXXX Consumer Affairs Equifax indicated XXXX XXXX XXXX XXXX was UN-VERIFIED and not Reporting to my consumer report. Equifax, and XXXX removed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, due to inability to verify. Following Recorded Phone Call on XX/XX/2024 CONSUMER XXXX XXXX XXXX spoke to, Equifax Customer Service Representative XXXX ( XXXX XXXX Office of Consumer Affairs, Regarding my XXXX XXXX XXXX XXXX XXXX public record. Immediately following that conversation on XXXX XXXX XXXX Bankruptcy XXXX XXXX public record was reported by Equifax XXXX On XXXX XXXX I contacted XXXX to confirm if my consumer file had been accessed for the purposes of XXXX XXXX. XXXX confirmed my XXXX XXXX was active and has been XXXX since XXXX XXXX. I have obtained a copy of my XXXX XXXX. Equifax Customer Service Representative XXXX ( XXXX XXXX XXXX XXXX Consumer Affairs, fraudulently and illegally obtained access to my file through the XXXX XXXX Site by way of the PRE-QUALIFICATION PORTAL. EQUIFAX HAS BEEN UNABLE TO VERIFY MY ACCOUNTS DUE TO CREDITORS REFUSING and electing to falsify my owing balances on XXXX Closed Accounts. 

I have attached evidence proving the gross misconduct of Equifax Customer Service Representative XXXX ( XXXX XXXX Office of Consumer Affairs. 

The Fair Credit Reporting Act ( FCRA ) protects consumer information, including credit reports, and prevents the sharing of this information without a specified purpose. The FCRA gives consumers the right to access their credit reports once a year for free, and to limit unsolicited offers for credit and insurance. The FCRA also specifies who can access a consumer 's credit report, and both the XXXX XXXX XXXX and the person seeking access without a valid reason can be held liable if they breach the law. 
The FCRA governs how credit bureaus can collect and share information about consumers, which businesses may use for many purposes, such as deciding whether to make a loan or sell insurance. The FCRA also gives consumers the right to : Know who requested their credit report within the last year Seek damages from anyone violating the FCRA The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) are responsible for enforcing the FCRA.
Product: Credit reporting or other personal consumer reports

These accounts listed are not mine Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was alerted off a credit inquiry on my transunion report by XXXX XXXX XXXX. This information is false and not mine. I have contacted the transunion they said it would be about a week. This was months ago. The false information is still reporting on my report. I want it removed immediately please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Information that is not my name, misspelled inaccurate I want it removed, name XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX address not mines : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, phone number to be removed XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time asking for an investigation of a bankruptcy reporting on my credit report. All three credit companies Trans Union, XXXX, and XXXX have said that the data furnisher The United States Bankruptcy Court have reported the bankruptcy when they do not report to the credit bureaus. This is an unfair act and they deliberately lied about the re investigation. I feel as though this should be removed from my credit report for false responses and negligence on the bureaus behalf.
Product: Credit card or prepaid card

My issue is with Bank of America with whom I have had my checking/savings accounts over the past 10 years. What has prompted my complaint is that I recently started using a bank of america preferred cash rewards credit card ( for supposed premium customers ) along with other cards such as  XXXX  or   XXXX   XXXX  . In addition to these credit cards I have several others with other major bank credit cards. In every major institution with the exception of BOA, the ability to set up recurring payments for the full balance amount is extremely easy to do online. With the BOA credit card accounts they have deliberately set up their online payment system to allow recurring payments but only through a fixed amount as opposed to allowing multiple options of : a ) a fixed amount. b  ) minimum payment. c )  statement balance. d ) total balance. All other bank credit cards I have afford all those options.  <P/> In order to get around this, consumers have to submit a written form for payments or call a third party firm to do what every other major bank allows online. For Bank of America to set up a payment structure in this manner is clearly intended to take advantage of consumers. By hindering consumer ability to pay off their credit cards they are clearly trying to exploit customers to pay insufficient minimum payment fees or interest fees because NO  ONE  has a fixed credit card fee every month. As such WHY would they have a reoccurring payment option with the only option of a fixed fee unless it 's to exploit their customers? I refuse to believe this is just because of stupidity.
Product: Credit reporting

Dear sir/madam, as I was going through my credit report on Experian and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00} This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted EXPERIAN AND TRANSUNION REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and XXXX reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and Experian kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB is full of complaints against the XXXX XXXX XXXX XXXX. I have filed a number of complaints attempting to correct my XXXX, XXXX and Trans Union accounts. The false reporting has a deleterious effect on my livelihood, my ability to obtain credit and work. I am asking CFPB to conduct an in-depth investigation into my complaint and enforce compliance. XXXX XXXX XXXX XXXX continues to report false information to each of the three credit reporting agencies. XXXX XXXX XXXX XXXX pursued collections on a credit card account I previously held with them. I demonstrated a number of times that I was the victim of fraud and that the charges they alleged were not of my making. I provided them all the law enforcement reporting I had pursued. XXXX  ignored all this information and proceeded with collections. XXXX XXXX XXXX XXXX then CANCELLED THE DEBT when they CHARGED OFF the account and issued a XXXX  reporting the cancellation of the debt. XXXX XXXX XXXX XXXX continues to report a PAST DUE amount of {$22.00}, XXXX. By law, XXXX XXXX XXXX XXXX can not continue to pursue a debt they have cancelled. XXXX XXXX XXXX XXXX can not claim {$22000.00} is PAST DUE when they have charged off the debt and cancelled it by XXXX. XXXX XXXX XXXX XXXX  abandoned all claims when they charged off the debt and issued the XXXX to the IRS. I want this account removed. I want the PAST DUE amount reduced to {$0.00} because nothing is PAST DUE. I want a clean, updated Credit Report. Accounts With a Negative Pay Status LENDERTYPEBALANCE XXXX XXXX XXXX XXXX COLLECTION/CHARGEOFF Credit Cards {$22000.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Charge off Account Status Derogatory Amount Past Due {$22000.00} Account Details Bureau Name XXXX XXXX XXXX XXXX  Account Type Credit Card Responsibility Individual Credit Limit {$22000.00} Credit Used 101 % Highest Balance {$22000.00} Date Account Opened XX/XX/XXXXDate Account Closed XX/XX/XXXX Payment Details Amount Past Due {$22000.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX, VA XXXX Remarks Charged off. Canceled by credit grantor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX PERKS SENT ME AN LETTER OF ERROR REGARDING THE CORRECTION OF ACCOUNT. WHILE LOOKING AT CREDIT REPORTS FAILED TO COREECT LATE PAYMNETS ON ALL CREDIT BUREAUS EXCEPT XXXX. PLEASE CORRECT ALL LATE PAYMENTS FOR THE ACCOUNT IS PAID IN FULL NEVER LATE CLOSED AND SEND ME A LETTER TO HAVE THIS ACCOUNT REPORT TO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The next accounts are not supposed to be in my report. 
You can see the accounts below : Identity Theft TARGET/TD Account XXXX : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft TARGET/TD Account XXXX : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Incorrect information being reported Address : 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX ( formerly XXXX XXXX ) and I was a previous student in XXXX University 's XXXX XXXX XXXX in XX/XX/XXXX. In XXXX I suffered health issue and was unable to continue my classes. I received a bill in XX/XX/XXXX for {$2900.00} due to me dropping classes at a certain point. Fast forward to XX/XX/XXXX, and I am not attempting to purchase a house and there is a recent inquiry from Sunrise Credit Services on my XXXX  credit report. Unbeknownst to me I did not receive any letter or notification of this new debt that has a date of XX/XX/XXXX. Sunrise Credit Services Manager XXXX XXXX, claims that XXXX refuses to negotiate this debt. I spoke to three representatives at XXXX XXXX XXXX XXXX XXXX  that stated the account was indeed sent to collections on XX/XX/XXXX. According to Mr. XXXX, XXXX and Sunrise Credit Services did not become affiliated until XXXX. I am very upset that this recent inquiry is jeopardizing my livelihood and attempted to ask for some resolve from Sunrise Credit Services. I have never received any letter or any form of documentation of the account. All I have is an account number : XXXX
Product: Debt collection

Email : XXXX XX/XX/2023 Credit collection service Subject : Request for More Information and Removal of Debt Information Dear Sir/Madam, I am writing to address the matter of a debt that has been attributed to my name and request further information regarding its origin and validity. Additionally, I kindly request the removal of this debt from my records if it is found to be inaccurate or unsubstantiated. 

To provide you with context, I recently viewed my report, and saw your agency regarding a debt allegedly owed by me on XXXX XXXX for {$150.00} However, I have no recollection or knowledge of any outstanding debt with the account mentioned. Therefore, I am requesting detailed information related to this debt, including the original creditor 's name, the date of the debt, and any supporting documentation available. 

I am exercising my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) to obtain accurate and specific information regarding the alleged debt. It is crucial for me to fully understand the nature and legitimacy of the debt to ensure that I can take appropriate action if necessary. 

Furthermore, I would like to emphasize that if, upon reviewing the provided information, it is found that the debt is inaccurate or lacks sufficient evidence, I request that you remove this debt from my records and cease any collection activities associated with it. Please note that the FDCPA obligates debt collectors to ensure the accuracy of the information they report and to provide verification upon request. 

I kindly ask you to provide me with the requested information within 30 days of receiving this letter. Additionally, I request that all collection activities regarding the mentioned debt, including phone calls, letters, or any other form of communication, are put on hold until I have received and reviewed the necessary documentation. 

Please provide all correspondence in writing to the email at XXXX. I appreciate your prompt attention to this matter and expect your cooperation in resolving this issue promptly. 

Thank you for your understanding and cooperation. I look forward to receiving the requested information and an update on the status of this debt. 

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

I was called by my bank indicating my credit score dropped drastically. 
XXXX XXXX charged me an annual fee and did NOT notify me or call but indicated I have not paid it and am passed due. 
One customer service person said I owed {$89.00} since last XXXX. 
The supervisor said it was due XX/XX/XXXX. 
I was never notified instead they reported me late. 
They would not reverse the charge unless I closed the account. 
They need to remove any late dings to my report at once.
Product: Payday loan, title loan, or personal loan

The entire ordeal started back in XX/XX/XXXX I began to receive emails from a company radiantcash.com from what I can tell it is owned by a group called XXXX XXXX saying I was approved for a XXXX loan. I got multiple emails I did enter my info into a lender matching site to see what my options were. They would state I was approved for a XXXX loan and to sign my documents to finish the process. I withdrew my application twice and it just kept coming back. Then on the next email the date now is XX/XX/XXXX I clicked on it just to see what it was about. I was having a hard time financially so I looked over what they had sent I decided to wait it out I didnt want to have more Bill 's to pay and it would add an extra XXXX every check and I didnt think it was worth having another bill so I just exited out and moved on. Well I should have never let curiosity get the better of me because the next morning XXXX was in my account I was a bit shocked but I needed the money I took it as somebody looking out for me but boy was I wrong. The worst mistake ever! This company had different amounts on the final loan documents they are trying to hold me to. I have never missed a payment to them and have been paying since XXXX which was two weeks after I had looked at their offer and I asked for my pay off amount on XX/XX/XXXX I was told that I owed XXXX they have not taken any towards the principal after I have paid them XXXX which more than covers the XXXX I borrowed. Since finding out the balance is still XXXX I have done some research and this company is not licensed in Alabama and it is not legal in Alabama to charge an interest rate of 690 %. This is a predatory loan company that is doing illegal business in my state and because they are not licensed and have no right to do business in the state without proper licensing and their interest rate is not within the state law my loan contract is not valid and I should be refunded the amount i paid over the principal. Not only did I not decide to get this loan and choose this company but they also changed the loan terms on the final loan documents. None of which is legal. Please help me hold this company accountable so this will not happen to anyone else. I should have done something when it first happened but I was struggling financially and I did not have any idea of how bad or how corrupt one of these companies could be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this in response to responses I am getting from my credit report disputes. I have sent in several dispute letters to the three credit bureaus ( Experian, XXXX  and XXXX  ) with questions on the validity of these accounts listed on my credit report. I also have asked for them to send me documentation proving these  accounts are my accounts and asked for a contract of some sort they would have on file with my signature. They keep sending responses saying the accounts are verified and the creditor says the accounts are mine. They have not sent me any documentation. The credit bureaus also send me updated reports saying the item I disputed has been updated on my report. I look at the updated report and it shows that a payment was recently made. I have not made any payment on any of these accounts. 



XX/XX/2020, I also sent in factual dispute letters because these accounts are listed with so much inconsistent information, and I just recently became aware of them. They are showing different high balances across the 3 credit bureaus and different last payment dates. Very inconsistent numbers. THey are supposed to be the same all across the board. If they are getting the same information from the same creditor, why are these numbers different. I asked them to please delete the accounts due to my rights under the FCRA. I also sent in proof to them showning the inconsistencies. I received updated copies back of my credit reports and it says the information was verified, but still shows inconsistency in the numbers/information. These numbers should be the same all across the board. 

The accounts that I have/am disputing and are not factual or reporting correctly are listed below : XXXX/XXXX   XXXX/XXXX  ( XXXX ) XXXX/XXXX   XXXX/XXXX  ( XXXX ) XXXX/XXXX XXXX/XXXX   XXXX/XXXX XXXX/XXXX  ( XXXX ) XXXX/XXXX