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

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated. 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.

EQUIFAX  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!

Update the late payments from my consumer reports
Product: Debt collection

My son received a phone call from a company Ive never heard of " XXXX ''. These folks told me that they were a proceedings office and that they were taking me to court for an online payday loan that was taken out two years ago. They had a very old address for me and a very old bank account for me on file. 

I have never taken a payday loan from MoneyKey and the bank account that they gave me was a credit card account that I haven't had for many years so the funds could not have been provided to me through that account. 

The contacts name from " XXXX '' was XXXX XXXX Ph XXXX Ext XXXX Case ref : XXXX. 

I also looked up XXXX with XXXX on the phone and they have no website or any trace of their business. XXXX also let me know that she could not send me further written details. I think her expectation is that I pay the outstanding amount right there and then without any clue as to what any of this was about. 

I believe that this is a fraudulent transaction made in my name by someone else or being made up by this mysterious XXXX proceedings company.
Product: Debt collection

I filed a complaint with the CFPB on XXXX/XXXX/XXXX against XXXX, the complaint number is XXXX. XXXX closed the matter and stated that the client ( XXXX ) had recalled the debt, and stated that they would have the account removed from the top 3 credit reporting agencies. 

Today I received a letter from Diversified for the exact same XXXX account. The Diversified account number is XXXX. I will be responding to Diversified via USPS mail to make them aware of this complaint and how XXXX sold them debt that does not belong to me. 

This complaint is against XXXX and their debt collection practices, which are starting to become harassment. Is this how XXXX handles debt collection, by selling bad debt to third-party agencies? 

All of the information and documentation can be found in CFPB complaint number XXXX. I have attached the letter that was mailed to me from Diversified for reference.
Product: Credit reporting, credit repair services, 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 1681. 


Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights . Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank opened an account in my name that I never applied for. Now they say it is delinquent on my credit report. I have tried to contact them on numerous occasions and no one calls me back. I have disputed it on XXXX and they claim that XXXX confirms that it is mine yet is unable to prove anything. This is not my account. Where was the card sent? Where were the charges made? Did you ask for identification before opening this account? Did anyone even look into this when I requested an investigation? I have even filed a police report for this fraud yet neither the card company nor XXXX is willing to help or provide any information. This is ridiculous. You can't just allow anyone that hacks into someone else 's identity to do what they want. There has to be more safety guards and questions asked/identity checked before opening up these accounts. Plus this is said to be a secured card so they have to have information on who opened this account that does not match my information.
Product: Debt collection

In XX/XX/2016, I was electrocuted in an accident which caused me to be medically unable to work until a few months ago. As a result of this I have been forced to declare bankruptcy. 
For that purpose I retained Attorney XXXX XXXX of XXXX XXXX, WA, XXXX. Attorney XXXX still represents me. 

During that time I was contacted by Pioneer Credit Recovery of XXXX XXXX XXXX, XXXX NY XXXX regarding my student loan. 
I informed them of my attorney 's contact info, and asked that they direct all communication through him as required by law, until my bankruptcy proceeding was completed. I would then make arrangements to resume payments on my student loan once working again. 
Despite being given this information, Pioneer has not only refused to contact my attorney, they have continued collection activity by continually calling me, my family members and threatening further action. 

As you know, under the FDCPA, all collection activity must cease during a bankruptcy proceeding. Pioneer has refused to abide by the law. 
Under The FDCPA, a company is required to send to me in writing all information relating to the reasons and amounts they are trying to collect. 
Despite having been over a month since their first contact of me and having my correct address, they have refused to do so. 

Furthermore, under R.C.W RCW 19.16.430 ViolationsOperating agency without a licensePenaltyReturn of fees or compensation.

( 1 ) Any person who knowingly operates as a collection agency or out-of-state collection agency without a license or knowingly aids and abets such violation is punishable by a fine not exceeding five hundred dollars or by imprisonment not exceeding one year or both. 
I have repeatedly asked Pioneer for proof they are licensed and bonded in the state of Washington to collect a debt as required by law, but they refuse to provide me this information. 

This is my last attempt, in good faith, to ask Pioneer Credit Recovery to follow federal and state law and cease all collection activity until my bankruptcy proceeding is complete, and direct communication through my attorney, whose contact information they have. 
At that time I will make arrangements with them for rehabilitation of my student loan debt. 
I am filing complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, the both the NY and WA State Attorneys General. 
IT is illegal to circumvent the bankruptcy laws of Washington State and the FDCPA. I am requesting that Pioneer follow the law.
Product: Credit reporting or other personal consumer reports

The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Sincerely,
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 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an ongoing issue with my credit report. I have discovered that you are reporting inaccurate information regarding a XXXX XXXX revolving account, which was previously removed and has now reappeared without my consent or knowledge. Despite numerous attempts to reach out to you and resolve this matter, no corrective action has been taken on your end. 

As a consumer, I am protected by various laws, including the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy of the information they report. According to 15 USC 1681i ( 5 ), it is your responsibility to modify or delete any information that is found to be inaccurate. However, despite my efforts, you have failed to take any corrective action, and continue to report false information that is negatively affecting my credit score and ability to obtain credit. 

Furthermore, as per 15 USC 1681b ( 1 ), credit bureaus are required to obtain written permission from consumers before reporting their information. I have not provided such permission for the XXXX XXXX XXXX XXXX ( Revolving ) account to be reported, and yet you have included it in my credit report, which is a clear violation of this law. 

I also want to highlight that I have the right to privacy, which has been completely disregarded by your organization. According to 15 USC 1681, I have the right to have accurate and private information reported about me, and this right has been violated due to your inaccurate reporting. 

In light of these violations, I demand that you immediately delete the inaccurate information from my credit report, including the incorrect addresses associated with the XXXX XXXX XXXX XXXX ( Revolving ) account and remove the freeze alert. I also request that you compensate me for the financial losses and emotional distress I have endured as a result of your inaccurate reporting. 

I urge you to take immediate action to rectify this situation and ensure that you comply with the laws that protect consumers ' rights. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have paid this bill in full $ XXXX.I have not paid this bill because. This money from a credit card upon in XXXX to XXXX in XXXX, was paid by the insurance that I had within my card in case of unemployment or loss of income. Insurance payment in full the entire amount of money. This card is secured with XXXX insurances, XXXX and XXXX. The XXXX sold it without telling me to " XXXX '' and they sold it to without information. In XXXX " Asset Acceptance , LLC ''. The XXXX did not act in good faith.XXXX Account # XXXX.was paid by the insurance that I had within my card in case of unemployment or loss of income. The Insurance payment in full the entire amount of money. The XXXX sold it without telling me to " XXXX '' and they sold it to another company without information I have is happening. In XXXX " Asset Acceptance , LLC '' buy this debt without having a legal document, there is no legal or original contract between them and me. and they an tried every possible illegal methods phone calls at all hours and on weekends, they took the case to court without telling me, sending letters to an address where I do not live ( to the court XXXX ), now they still call my employer and have filled documents cut without my presence or my knowledge, they are forcing my employer to collect my salary money they ask to pay that debt. Now my employer is giving me a finalized to leave my work because of this problem. Please take many years with this harassment, for a debt that I do not owe, and this account was paid, I lost my marriage for this reason and my work too, my daughters and I are suffering for this reason, please end this problem. Now they have XXXX companies trying to collect this money. " XXXX '', " Asset Acceptance , LLC '' and Midland Credit Management. Inc .I needs help, I do not know what to do, and I 'm desperate, please First. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay " Original Documents and my signature ''. Federal Trade Commission ( FTC ), Fair Debt Collection, Practices Act ( FDCPA ), 807, 15 U.S.C. 1692-1692p-1962e. 
Second. Never served with a Notice of Entry of the Judgment " Notice to Appear '' : I was never served the court notice. Fla. Stat. 48.031 ( 1 ) ( a ). I have never been given the opportunity to be in court when decisions have been taken in this case, I have not had a single hearing in order to know what the whole matter is. Under the constitution and the laws, I have the right to be present in the court and to know all for this problem. REQUEST FOR HEARING.- ( court XXXX ).
Product: Checking or savings account

I did a new deposit on my saving account ( Citi Bank ) XX/XX/XXXX for XXXX, I tried to do a new deposit for same quantity XXXX all from my checking account logged previously ( Checking account from XXXX  XXXX XXXX ), I noticed founds from last deposite return on checking account XX/XX/XXXX, I tried to enter to Citi app where appears blocked my account, calling to Citi they affirm account was blocked XX/XX/XXXX, weird because I entered and tried to do deposit on XX/XX/XXXX, they said until a physical letter arrive to my home ( 5-10business days ) they can not do anything even mention reason to block my account ; checking the amount on the account ( by phone ) gives me the quantity available before XX/XX/XXXX, I have waiting for 16 business days with 5 calls during this period trying to get a new letter or more information, I offered go directly to bank but they said you can not do anything, you need to wait, they do not care about my money or the service, they are not offering a solution. I need help, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM UNABLE TO OBTAIN MY FREE CREDIT REPORT FROM EXQUIFAX CREDIT BUREAU DESPITE MY NUMEROUS REQUESTS. 

PLEASE HELP ME NOW
Product: Credit card or prepaid card

XX/XX/22 thru XX/XX/22 charges were made outside my home area/county, mostly for gas/fast foods. There were 20 different charges made, totaling {$810.00}, even though my credit limit was {$700.00} ( on a secured credit card ) I started an investigation with the credit card company, they claim I am responsible, even tho the card was in my sole possession at the time, securely locked away. one of the charges was made in XXXX XXXX, which I have never visited.I have called many times, with no positive response, and have sent several ( 8 ) letters, complaining of the charges, intrest and payment demands. I have made minimum payments all along, as suggested by cust service at the company. I have filed police reports in 2 counties here in Florida. 
I am a senior on a fixed income, have recieved no help at all from First Progress Bank, and been made to feel like I was not important enough to even answer my letters
Product: Debt collection

4 credit card accounts opened in XX/XX/XXXX-XX/XX/XXXXunder my name. Had been sold to 4 debt collection agency since. The following account are : 1. XXXX XXXX {$2300.00} / Original Creditor : First National Bank of OMAHA ( Acct # XXXX ) 2. XXXX XXXX {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. XXXX XXXX XXXX, XXXX {$2800.00} / Original Creditor : XXXX XXXX XXXX ( Acct. Last Four # XXXX ) 4. XXXX XXXX XXXX XXXX {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX. I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX month ago. I received confirmation that the inquiries belong to a social that was one number off from being the same. I also filed a identity theft report for these inquirys. I was told the inquiry would be removed but it never happened
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Multiple fraudulent accounts on my credit report that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

World finance cooperation continues to report a Charge OFF debt that was sold to XXXX XXXX which I paid the debt in full as XXXX stated the debt would be deleted after I paid the account. World Finance constantly keeps reporting debt as charge off after debt was sold to debt collection agency. 


Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Paid in settlement. {$770.00} written off. 
Status updated XX/XX/XXXX Original balance $ 560 Monthly payment - Last payment date XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

When I pay a minimum payment on Synchrony Bank Care Credit they apply that to the NEXT month 's promotion that is due, not the one that is expiring within a week. If you want that payment applied to the promotion that is expiring in a week as opposed to the next month they won't do it as a matter of course. Rather the credit card holder has to contact them and request the payment be applied to the payment due. For example when a payment is made on the due date of XXXX, Synchrony will apply the XXXX payment to a promotion expirig on XX/XX/10 ( the next month ) leaving the XX/XX/10 promotion due and subject to interest on the ENTIRE original purchase amount. This practice is deceptive and a clear way they are trying to trick consumers in to paying interest on a payment promotion that they were intending to pay off with the payment they just made. This company should correct this sneaky practice and as a matter of standard practice apply the payment to the closest promotional due date. It seems like what they are doing really should be illegal if it isn't already it's clearly a way to try and trick the consumer who thinks they paid off a promotional balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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