23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For the last several years I have been harassed about a debt with LVNV LLC who is collecting on a charged off account for XXXX XXXXXXXX XXXX  in the amount of {$600.00}. According to 15 USC 1681, I have never had an account with this creditor and I have not given permission for this informations to be furnished.
Product: Debt collection

XXXX / XXXX / 17  called my work and harassed employee who answered after I just spoke to them 3 days ago, he is harassing because I would not commit to any type of secured payment arrangement and threatened me for not doing so saying they will come after me. I am still waiting on validity of debt to review and confirm specifics and have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX, Account Number 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to follow up and to express my continued frustration and concern regarding the presence of late open accounts on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. At that time, I provided all the necessary documentation to demonstrate that these late payments were not valid or were the result of extenuating circumstances. However, despite my efforts, these late open accounts continue to be inaccurately reported on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. Please help me conduct a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history. I would like you to assist me also about this matter and provide a written response within the legally mandated 30-day timeframe, confirming the correction of the late open accounts on my credit report. Please consider the significance of this issue and its impact on my financial well-being. I appreciate your immediate attention to this matter and your commitment to resolving it promptly. Please help me correct the followng accounts immediately XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00}.
Product: Credit reporting or other personal consumer reports

Please help me clean up my repots due to issues at XXXX XXXX XXXX I am never late
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 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 60 days 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 8
Product: Credit reporting or other personal consumer reports

I engaged in a private consumer credit transaction with XXXX XXXX XXXX, and they never provided me with an adequate notice and form of my right to privacy and right to opt-out of their disclosure, sharing and reporting of my private personal information as they're required to do per 16 CFR 313.7 and 15 USC 6802. As a result of their irresponsible actions, they've reported adverse and defamatory information in my consumer reports and enabled a separate third-party debt collector ( Security Credit Services ) to also report this adverse information on my consumer reports, further defaming my character, creditworthiness and reputation. This is not only and infringement on my right to privacy, but this has caused me double harm, as they've both continued to report the same adverse account jointly under two separate account numbers.
Product: Vehicle loan or lease

My normal payment was for {$260.00} each month. For XX/XX/XXXX, I only owed {$73.00}. I tried to log in multiple times in XXXX and called customer service several times to try to get my automatic payments stopped. And my portal access was not restored. They withdrew {$260.00} instead of the {$73.00} remaining. I am owed {$190.00}. Because the technical problems accessing the portal. They claim they opened a ticket with the IT department weeks ago but I haven't heard anything. 

Now my mortgage has transferred from XXXX to Chase and I'm still unable to log into the Chase portal to access my new loan. I called again today Friday XX/XX/24 and tried to get access but I waited on hold for XXXX minutes before hanging up. It's going to be more of the same with these people. I'm furious. I don't want to deal with them. 


My new mortgage account number is supposedly Chase Loan Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD DISPUTED A COLLECTION ACCOUNT XXXX IN THE AMOUNT OF {$1200.00} FROM THE XXXX XXXX COMPANY ON XX/XX/XXXX AND IT WAS DELETED FROM ALL 3 OF MY BUREAUS ON XX/XX/XXXX IN THE MONTH OF XX/XX/XXXX IT WAS REINSERTED ONTO MY XXXX   AND TRANSUNION REPORTS, SO I SENT A CERTIFIED 5-DAY REINSERTION LETTER IN ACCORDANCE WITH THE REQUIREMENTS OF THE FCRA SECTION 611 ( a ) ( 5 ) ( B ) ( ii ) TO BOTH XXXX AND TRANSUNION, BOTH ELECTRONICALLY SIGNED IN ( I HAVE ATTACHED BOTH SETS OF LETTERS ) AND NOW THEY ARE IN VIOLATION OF THE 5 DAY AND HAVE NOT DELETED THEM FROM MY  BUREAUS. I HAVE RECEIVED NO DOCUMENTATION IN THE 5 DAYS AND I WANT THESE DELETED IMMEDIATELY!
Product: Credit card or prepaid card

I have 3 charges on my American express card, first was made on XX/XX/2018 in the amount of {$2600.00}, then 2 more transactions on XX/XX/XXXX same merchant in the amount {$2600.00} and {$2500.00}. 
I contacted my manager that was at the time holder of additional card and he advised me that he didnt do this transactions. Then i contacted Amex and made a billing dispute, after XXXX moths Amex sent me something in XXXX claiming that they got prove from another side. I reviewed this documents and noticed that signatures dont match. I called Amex and opened fraud dispute. 3 days later get letter from Amex that their decision stands. 
I contacted merchant and ask them to provide additional information, after providing to merchant all details of transactions and documents that Amex sent merchant respond was that they have no history or record of said transaction and have to take this with American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, I pay {$XXXX} bi weekly to the auto loan company but the company is continuing to report my payments as XXXX days late. My bi weekly payments are made on time but my credit report does not reflect these timely payments. If the company agrees to a payment arrangement then the credit report should reflect accordingly. Its a mis-representation of the agreement between myself and the auto company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has falsely reported a payment made in XX/XX/XXXX in an effort to renew the account status. This is a gross violation of federal law. This gross violation also occurred by reporting an alleged payment on XX/XX/XXXX. No such payments were made as evident by XXXX reporting those payments amounts as {$0.00} for those dates. 

As XXXX is intentionally violating federal law in order to renew the account status by fraud, I demand the account be removed permanently from my credit report. 

If XXXX wants to continue to claim a payment was made on the account, I demand they provide proof of the payment, including an original receipt showing the date, the amount, the branch and teller who allegedly received such payment. 

Additionally, I dispute the following addresses on my credit report and demand they be removed immediately. Neither of these are my address and are not associated with me or anyone I know personally. 
XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Furthermore, this complaint is against XXXX for refusing to allowing me to file a dispute online and demanding that I call. I am hard of hearing and do not talk on the phone. This demand is a violation of ADA by refusing to allow accommodations for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION IS REPORTING MANY INACCURACIES AND FALSE INFORMATION ON THIS ACCOUNT. I HAVE DISPUTED THIS MANY, MANY TIMES. 
TRANSUNION IS INACCURATELY REPORTING THE " DATE OPENED DATE '' AS XX/XX/XXXX. 
XXXX IS REPORTING A DIFFERENT " DATE OPENED DATE '' OF XX/XX/XXXX. XXXX IS NOT REPORTING THIS ABOVE ACCOUNT AT ALL. 
TRANSUNION IS REPORTING A " HIGH CREDIT '' OF {$840.00} XXXX IS REPORTING A DIFFERENT " HIGH CREDIT '' AMOUNT OF {$500.00} XXXX IS NOT REPORTING THIS ACCOUNT AT ALL. 
TRANSUNION IS REPORTING A " DATE LAST ACTIVE '' AS XX/XX/XXXX EVEN THOUGH THEY SENT ME INVESTIGATION RESULT IN RESPONSE TO MY DISPUTE ON XX/XX/XXXX. 
TRANSUNION CLAIMED THIS ACCOUNT WAS VERFIED, BUT THE " DATE LAST ACTIVE '' HAS NOT CHANGED SINCE XXXX? THAT IS A CLEAR VIOLATION. 
THIS INVALID ACCOUNT DOES NOT MATCH MY ADDRESS REPORTED ON MY TRANSUNION REPORT. 
WAY TOO MANY INACCURACCIES AND DISCREPANCIES ON THIS ACCOUNT. 
( SEE ATTACHED PROOF ) THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY BY TRANSUNION.
Product: Checking or savings account

I was an XXXX  XXXX. Due to COVID 19 restriction and class changes, I was not able to enter into US, thus I stopped using my BofA accounts. BofA then started charging me monthly maintenance fee, overdraft fee and other fees in the total amount of {$340.00}. I asked my relative and friend to go to the branch and help me get the fee waivers and close the account. The branch assistant XXXX XXXX stated that I have to reach out to the call center in order to request the fee waivers before closing it, BofA will allow 3 fee waivers in 12 months period. However, when we made the call to the call center, we were told that there is no such refund policy. We are not sure who is misrepresenting to us. Nevertheless, I requested to close all of my depository accounts. 

Several months later, I discovered that one of my account was not closed as requested, because there was another monthly maintenance fee, and BofA requested me to pay for it before closing it. This is highly unacceptable! Moreover, BofA changed my social security number on file, and restricted me to go to the branch for further actions. BofA was well aware the fact that I'm not living in the US, that I can not reach out to them, but intentionally change my profile info without my acknowledgement, charging me fees and making profit out of me. The way they treat XXXX XXXX  or immigrants is such a shame!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  reporting that I owe XXXX for a car I paid nearly 3 years for. They offered to trade this car for a new one. I did not and told them to pick this one up because I was not going to pay a high car note. The car had low mileage, only XXXX miles.
Product: Credit card or prepaid card

My credit card has been locked by citi. The fraud department has not given me a clear answer as to why that is, and now wants me to wait WEEKS and submit proof of my social security number by filling out a form. During this time, I will be unable to use my credit card. 

I am attaching my passport, my license, a copy of my federal tax return from 2016, and a XXXX issued by XXXX XXXX. I have misplaced my social security card, and it will take work for me to get it replaced.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : OAG CHILD SU Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOE/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have twice tried to dispute a negative collection from a XXXX XXXX  on my accounts that is dated XX/XX/XXXX in the amount of {$870.00}. It is impossible for me to have taken this loan in XXXX or XXXX ( the one and only loan like this I took out was in XXXX ) and they have only updated it but will not remove it from my report or give any proof that this loan was indeed mine and taken out in XX/XX/XXXX. Since it is impossible for me to have taken that loan out at that time it would be identity theft but Ive never received any proof that was provided to Experian by XXXX XXXX.
Product: Credit card or prepaid card

Contacted care credit to have XXXX fees waived, since I would like to pay the balance in full before the promotional time expires. CareCredit only provide me a {$41.00} credit out of {$130.00} in late fees. As a single mother, going to financial hardship, I saved up to pay the balance in full and I can not afford to pay for additional fees. $ XXXX {$35.00} and I am being charged $ XXXX {$49.00} a late fee. I am a full-time student who didnt have consistent income at the time, but still made payments and now Im in a position to pay the balance in full. I just can not afford to pay any higher than what I owe minus the fees.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Dispute Information Center Dear Experian I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX - Account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Ongoing dispute of a bank to bank transfer. Initiated transfer XX/XX/2021. XXXX Wells Fargo branch XX/XX/2021. Opened claim with Wells Fargo XX/XX/2021. XXXX with Wells Fargo and XXXX XXXX representatives on XX/XX/2021. Was provided trace information from both parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct theses suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Student loan

I have a loan for many years with Navient. They are in court for settlement I would like to take advantage of as I also feel like I was misled by the vocational school that is named in the lawsuit. XXXX is the recent takeover of my loan however that company is also included on the lawsuit. Navient refused to provide the document.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint against TransUnion and in each response they only show they are congenital liars. 

For over the past two months, I have been unable to get my TransUnion credit report via my paid {$14.00} a month TransUnion XXXX XXXX. For one month I had been unable to log in and they did correct that. But they have never corrected an issue that persist until even today : When I try to update my credit report via my paid TransUnion XXXX XXXX, it is never successful. When I click on " I Agree '', the progress wheel rotates for over 20 minutes but the report never materializes. However, if I pay them an extra {$30.00}, the report materializes immediately. 

If TransUnion can not fix this issue, I intend to file suit against them in XXXX XXXX XXXX XXXX w/o further notice. 

TransUnion must solve this issue.
Product: Debt or credit management

Enrolled Debt TOTAL ENROLLED DEBT {$14000.00} EST. DEBT REDUCTION {$7100.00} THE COMPANY IS FIVE LAKES LAW GROUP. 

THEY OFFERED TO REDUCE MY CREDIT CARD DEBT. 

I WAS IN DEBT WITH XXXX CREDIT CARDS FOR A TOTAL OF {$14000.00}, THEY SAID THEY COULD REDUCE MY DEBT BY HALF. 

THEY HAVE SETTLEMENTS FOR XXXX CARDS WHICH I OWED {$9200.00}. 

I AM WORKING WITH FIVE LAKES LAW GROUP SINCE XXXX OF XXXX. 

THEY DID NOT GET A SETTLEMENT XXXX XX/XX/XXXX. 

XXXX CARD WHEN I FIRST CONTACTED FIVE LAKES WAS {$4800.00} THEY SETTLED FOR {$6300.00} THE OTHER ONE WAS {$4400.00} THEY SETTLED FOR {$5800.00} THEY CHARGE ME 27 % INTEREST ON THE SETTLEMENT AMMOUT FOR A TOTAL OF {$2700.00} THEY ALSO CHARGE ME {$10.00} & {$14.00} A MONTHE SERVICE FEE I STILL HAVE XXXX OUTSTANDING CARDS XXXX FOR {$3200.00} THE OTHER FOR {$1600.00}. 

THEY SAY THEY HAD TO SETTLE FOR THE FIRST TWO BECAUSE THEY WENT TO LITIGATION.

THEY WENT TO LITIGATION BECAUSE FIVE LAKES INSTRUCTED ME TO STOP PAYING, THEY SAID THEY WOILD BE IN A BETTER POSITION TO NEGOTIATE. BECAUSE I STOPPED MAKING PAYMENTS I WAS CHARGED LATE FEES AND FINES