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

I am writing to file a formal complaint against XXXX  XXXX concerning their violation of 15 U.S.C. 1666b, which pertains to the timely delivery of periodic statements for open-end consumer credit plans that was violated by XXXX XXXX. 

Here my XXXX  XXXX info : XXXX  XXXX Account XXXX -Date of Late Fee Assessed : ** XX/XX/year> and XX/XX/year> XXXX  XXXX assessed a late fee on my account, stating that my payment was late. However, according to my records, I have never received the periodic statement which did not provide the required 21 days before the payment due date as mandated by 15 U.S.C. 1666b. 

I have attempted to resolve this matter directly with XXXX  XXXX by requesting the removal of the late fee and proof of compliance with the statutory requirement. To date, I have not received a satisfactory response, nor have they provided the requested proof that the statement was mailed or delivered in accordance with the law. 


According to 15 U.S.C. 1666b ( b ), 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 adopt reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. In this instance, XXXX  XXXX failed to meet this requirement, resulting in an unlawful late fee and potential negative impact on my credit report. 


Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely,
Product: Debt collection

The company kept calling my family and threaten to come to my job and house to collect a debt that they have no contract for. After speaking to one of the representatives, he was extremely rude and would not give me any information regarding a contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for method of validation To Whom It May Concern : I recently received a response to a CFPB complaint that I made under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) ) regarding the validation of the below accounts which you show as validated and belonging to me on your records. I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am extremely interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all  documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. All previous letters and documents that I sent to you attached along with this correspondence in order to help you process this request. I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the item in question permanently expunged from my record. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. Acct XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have been a with US BANK customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XXXX XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

upon me reviewing my credit reports i discvored these accounts on my credit reports .On XXXX XXXX  i filed an FTC report
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ EQUIFAX ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ EQUIFAX ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ EQUIFAX ]. 
Account Information : Creditor Name : XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ EQUIFAX ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress.

The violations committed by [ EQUIFAX ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ EQUIFAX ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ EQUIFAX ] upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ EQUIFAX ] accountable for their actions. 
Sincerely,
Product: Credit reporting or other personal consumer reports

Called XXXX XXXX XXXX ( where I have car loan ) after seeing error on Experian credit XXXX. It has dropped my credit score. I started this process 60 days ago. XXXX never return promised call. Have called 9 times without success. Filed dispute with experienced and information XXXX  sent incorrect. Cant load documents on to experian credit. My balance is wrong. They did not include XXXX payment for XXXX. I am trying to pay this loan off because of the TERRIBLE SERVICE I get. I have picture of cashed check. Please help straighten this business out as they are victimizing and have no legitimacy for the customer.
Product: Credit reporting or other personal consumer reports

I was viewing my credit report and noticed a few accounts and inquiries that I did not notice or recognize. These items are fraudulent and inaccurate and is affecting my ability to obtain credit. These the inquires has no permisable purpose and should be removed immediately. 
Account : XXXX XXXX, XXXX XX/XX/XXXX ; Inquiries : XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I called the creditor Nordstrom to discuss options to pay off outstanding debt. A week later called back and accepted them terms and conditions and authorized a settlement payment that Nordstrom never excecuted. Months later I continues to see the outstanding debt so I called nordstrom only to find out they never completed the payoff and it was sent to collections. I called the collection company XXXX and settled to be paid, which cleared, and I received a born in full statement. Now Nordstrom is still reporting an outstanding amount containing to show not only a balance but a negative payment. I have paid this credit and attempted several times they unfair credit reporting behaiors has affected me with not be offered a job due to the unfair reporting business practice of Nordstrom.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ). 

Per XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX - XXXX - {$1300.00} XXXX XXXX  - XXXX - {$0.00} Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Mortgage

I tried to work with my mortgage company in order to save my home and to lower my mortgage. Upon review they were unable to assistant me. I went to XXXX to get assistance and they have been trying to assist me but the mortgage company will not responded to them. XXXX submitted my file to the mortgage company XX/XX/XXXX and nothing has been done. I was advised by XXXX to file a complaint with you. I am currently XXXX months behind and I am trying to get this resolved.
Product: Credit reporting or other personal consumer reports

I have filed a dispute about 6 times now about an account that is not mine, but is being reported negatively. There is an account ( XXXX XXXX XXXX ) that was a credit card belonging to my wife. I did not apply for this card, and I have asked repeatedly for a copy of the signed by me application for this credit card. The application has not been provided and the negative account remains on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Experian, XXXX I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect .You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period. I know that these inaccuracies should be automatically removed. I have listed the information about my Personal information that you incorrectly reported and should be deleted immediately. 

Please delete the follow inaccurate names : XXXX XXXX, XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX PERSONAL INFORMATION LETTER Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and social security number to validate my identity.
Product: Credit card

i booked a hotel stay through the american express travel portal using my american express credit card. on the travel portal, the specific hotel i booked did not state that an additional {$27.00} per night ( 4 total nights = {$100.00} ) would be charged. the email i received from american express after booking did not state i would be charged this extra fee, neither does the webpage where the booking occurs state there is an additional nightly fee. 

after my stay, i noticed the additional fee was charged. i contacted the hotel to remove the fee and they said the fee should have been disclosed by american express. i called american express and was advised to file a dispute with the merchant, which i did. american express rejected my claim and ruled in the favor of the merchant. 

following the failed dispute, i called the american express XXXX XXXX and filed a complaint with them. i've provided 2 forms of evidence showing i was never quoted this additional nightly expense. 1 ) screenshot of the american express travel portal where to this day if you try to book that hotel again it does not list an additional fee, and 2 ) email confirmation from american express that does not state an additional nightly fee is due. 

the dispute has been rejected under the grounds that i received adequate notice that i would owe the hotel that additional nightly fee. 

american express did not adequately disclose this fee and is now forcing me to pay it. they have rejected my dispute and additional complaint i filed with them. 

please help me.
Product: Debt collection

onXXXX 2016 while apply for a new apartment my wife and I found out that we have a judgement that was entered on our credit report for the amount of XXXX for Portofolio recovery. we called them to knew more about the debt. they reffered us to their legal department that is base in North Carolina what is XXXX. we contacted them also to knew more about the debt, the loan. they tald me that the amount of debt was XXXX and we ask them for the original contract and they said, it has been requested and we will get all document supporting the jugment on our credit report, we wait 6 months we did not receive any supporting document just the bill the last couples of day I called them again and again .they seems not to give us a satisfactory responses that is why i am filing this complain
Product: Credit card or prepaid card

XX/XX/2016. XX/XX/2015. XX/XX/2015.

I have a US bank secured credit card. I went through financial hardship and was late on making a few payments on the above dates. I have been perfect otherwise, as the records show.
Product: Credit reporting

I have disputed a XXXX account Equifax is reporting on my credit report. I have requested debt verification by mail from the address Equifax has listed and with no response. I also filed a complaint with the Consumer Protection Finance Bureau. Verizion also has not responded to them with any documents and its also been beyond 30 days. 

I would like details on the date and the person or department that has verified this account with Equifax. Also there is no phone number to contact this creditor listed. The only one who can verify this account exist is Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX # XXXX. I have contact the FTC and my local police and I am doing this on my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX  reporting XXXX  XXXX as potentially negative but nothing wrong XXXX XXXX ftc XXXX  XXXX  ftc violations
Product: Credit card

I attempted to pay my Lowes Credit Card on Synchrony but website was down. I was forced to pay one day late as a result and was charged late fee and interest. I contacted synchrony to request a refund and was denied.
Product: Mortgage

Loan transferring to new provider. Old provider instructed me to pay new provider on XXXXXX/XX/year> and then still auto drafted payment on same date. Old provider refusing to refund auto drafted payment even though they explicitly instructed me to pay new provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several accounts with TransUnion in XX/XX/2023. Upon supposed completion of the investigation a collection accounts was validated/updated erroneously. 
I have never had any contract or agreement with this collection agency XXXX XXXX XXXX. I also have not given them permission or authority to report anything on my credit reports and they have not and can not provide such documentation of any agreement or consent because it does not exist. They have provided no evidence whatsoever that this debt it accurate or valid at all yet is has not been removed from my credit report.
Product: Payday loan, title loan, or personal loan

There was an unauthorized personal loan which was taken out in my name with Citizen 's Bank in XX/XX/2019. I did not know about this loan until XX/XX/2019 when I received a letter stating that they have not received payment for this loan. I explained to them that I have not authorized this loan and did not received any monies from Citizen 's Bank. I fill out all of the paperwork requested of me by Citizen 's Bank, I had a police report file as well as the letter from my bank stating that no money from Citizen 's Bank was deposited into any of my accounts and was sent to Citizen 's Bank Fraud Department. I also put a freeze on my accounts at all of the 3 credit reporting bureaus and filed disputes which each of them. After dealing with Citizen 's Bank Fraud Department, I only receive letter stated that they are denying my claim. No reason or documentation was provided regarding the denial. I'm having a difficult time contacting them as they do not answer their phone number. I continue to send them faxes providing documentation showing that I did not authorize this loan. No response from Citizen 's Bank, accept for a pre-printed denial letter generation. Please help me to clear up with situation with Citizen 's Bank. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My privacy was breached by XXXX, XXXX, and Experian. Under the exclusion section # B anything that was extended or authorized from a credit card should be excluded from my consumer report. A credit card was used to open the following accounts : XXXX XXXX XXXX XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, Experian Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, Experian Account # XXXX XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX! XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Aidvantage student loan have agreed to take advantage of of my information by bating my data into an agreement of forbearance and have not proven identity of proper procedures. 

As well as cred cards information show on my my credit that i have not consented to within the recent 6 months showing on my credit report. 

automobile loan from more than 7 years ago which i no longer have showing on my report.