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

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

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

I demand the late payment reported in 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 XX/XX/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
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$750.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian
Product: Debt collection

LVNV Funding LLC [ Address from their correspondence or website ] [ City, State, ZIP Code ] Subject : Request for Account Details Dear LVNV Funding LLC, I am writing regarding the account listed under my name with the following details : Account Number : [ Your Account Number, if available ] Original Creditor : LVNV Funding LLC Balance : {$610.00} I am not disputing this debt but am requesting additional information about the account for my records. Specifically, I would like to request the following : 1. The date of first delinquency for the account.

2. The date of the last payment made on the account.

3. The date of charge-off, if applicable.

Please provide this information in writing at your earliest convenience. I appreciate your assistance and look forward to your response.

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to transunion on XX/XX/XXXX disputing an XXXX XXXX ( Docket # XXXX ) which was being reported on my credit report. Once I submitted this dispute via mail I also sent on on XX/XX/XXXX via FAX. I did n't get any feedback from Transunion so on XX/XX/XXXX I filed a complaint with the CFPB in regards to the matter. Once said CFPB complaint was filed I sent them a copy of the CFPB complaint and original dispute letter via fax and U.S. Mail. On XX/XX/XXXX they sent a response via the CFPB that the Bankruptcy and XXXX XXXX in the amount of {$50000.00} were both removed and no longer reporting on my credit report and that in 5 to 7 business days I would have an official letter from Transunion stating such. I decided to contact Transunion to confirm said response as on XX/XX/XXXX I applied for a loan only to find out both were still being reported. So I contacted Transunion on XX/XX/XXXX and was on the phone for well over 40 minutes only to find out that the items were not being even investigated. I then faxed a copy of the dispute to them. On the call they stated I have not sent in a specific letter which is untrue.
Product: Credit card or prepaid card

I initiated a dispute on XX/XX/XXXX regarding a charge of {$890.00} for a Two-Day tour for me and my XXXX year old daughter in XXXX. I paid for this tour with the XXXX XXXX. I also paid for my flight tickets with the same card. I booked the fights for XX/XX/XXXX. 
I booked the tour for XX/XX/XXXX, but made a reservation on XX/XX/XXXX. When I received a ticket voucher with a date of XX/XX/XXXX, I thought it was a date when I made a booking. I contacted the XXXX XXXX  on XX/XX/XXXX and specified that I am interested in the tours after XX/XX/XXXX. 

It turns out to be that on the voucher, was an actual date of the tour. However, I never booked the tour for that date. I also never received any communication from the XXXX XXXX   informing me that I missed it. 

The Billing Dispute Department did not offer my any assistance and basically informed me that the charge was valid. I disagreed with that decision. The Billing Dispute reopened my claim after I provided the additional information. And once again I received the same response : the charge is valid. I can only deduce from this transactions that the department even did not review the additional documents I sent. When I tried to get in touch with the manager, they told me the manager was unavailable and will get in touch with me. The manager left me a voice mail and when I tried to reach her, I spent 30 minutes on the phone and still was unable to talk to her. 
I have never dealt with such a poor customer service.
Product: Mortgage

I submitted 3 requests to First National Bank for a loan modification on our current mortgage. We have been denied each time due to insufficient income, which is exactly why we are requesting the loan modification in the first place. We have suffered job loss and severe income loss and the loan modification request is to help provide us with a lower payment while we continue to re-build our income. 

The letters mailed do not provide detailed information regarding how they came to terms with determining that our income is insufficient even with a modified payment. When I call and speak with someone every time, they only read notes on the account and do not go over detailed information with me ( DTI, NTV ) nothing. All I am told is that this is a FHLB loan and they ( the loan servicer ) don't make the decision, that investor does, who we never speak to. 

We are current in our loan payments, even with the high amount and they are telling us that we can't afford a lower payment even if they lower our payment. That is absurd and this is predatory at this point. No one is willing to work with us for other alternative options, nor have they offered us any alternative options. 

We want a loan modification and to keep our home without sacrificing our livelihood.
Product: Credit card or prepaid card

I registered in the XXXX store for a credit card to make a purchase. I just moved and told the sales rep my drivers license had the old address. I had mail to prove my new address and told them to setup the account to the new address. The store rep still setup the account to the old address. As a result my statement came late. I called to resolve the problem. Corrected the address on file, paid the purchase amount in full, and asked to have the late fees and interest refunded. The services rep did all that, yet the next month i still had a balance due to late fees and interest. called again to have it refunded, the rep agreed to process refund on late fees and interest. Next month, more late fees and interest. This continued XXXX, XXXX, and XXXX billing cycles. I'm am told now that the remaining late fee can only be refunded by Collections. I called the number provided by the rep ( XXXX ) XXXX. This is answered by an automated message that tries to sell you XXXX XXXX XXXX system, then hangs up on you. two separate agents gave the same number. I eventually talked to collections 2 time by being transferred. Each time i was disconnected after going throught supervisor escalations. I finally got the Customer agent to refund last late fee, but i paid {$4.00} in interest. Just gave up working with Comenity
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, personally authorize & sent this complaint for a second time. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy, confidentiality, and accuracy under 15 USC 1681 : XXXX XXXX  XXXX Credit Card with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX XXXX  account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

15 U.S.C 1681 section 602 A. states I have the right to privacy, confidentiality, and accuracy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B states A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

15 U.S.C. 1681a-2 ( A ) ( i ) states any report containing information solely as to transactions or experiences between the consumer and the person making the report are to be excluded from all consumer reports.

15 U.S.C 1681c. ( a ) ( 4-5 ) Section states no consumer reporting agency may make any consumer report containing any information regarding accounts placed for collection or charged off to profit and loss, and, 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 ) states 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: Debt collection

ALLIED COLL trying to collect debt in the amount of {$11000.00}. It's unknown to me opened XXXX XXXX, 2021.
Product: Payday loan

I have made multiple payments on a payday loan that I took with Big Picture Oans out for {$700.00}. Since I 've been paying none of the money has went toward the loan or fees, it 's only been going towards interest which does n't lower the amount that 's owed. The interest rate is ridiculous.
Product: Debt collection

XXXX. I moved to an apt complex that did not allow dish on the roofs of building and my apt faced the wrong direction for the dish to work on the patio. XXXX could not furnish the TV service. therefore not my fault. They broke the contract by not being able to provide the service. My bill was paid in full til this happened
Product: Debt collection

My bank account was hacked, resulting in XXXX charges made to XXXX for services I did not receive. I called XXXX when the first charge had posted to my bank account but was told that I would need to dispute the fraudulent charge with the bank. This resulted in XXXX additional charges hitting my account. My bank opened a fraud case and is investigating. The payments were stopped, and the account was closed. XXXX sold this account to a collection 's agency though ( TRS Recovery Services ). I contacted XXXX to advise of the fraud case and completed their required information to dispute the charges. I received a letter back from them dated XX/XX/2023 advising that they were denying my dispute and required a claim be opened via XXXX. 

I am a minor child who NEVER received ( and have never used ) XXXX however these XXXX charges are now in collections and the agency is not assisting me with resolving this.
Product: Credit card or prepaid card

On XX/XX/2023 I noticed a charge on my express credit card for {$450.00}. I did not make any purchases that day. I was actually at work. When I logged into my account, it stated that a bag of some sort had been purchased for that amount in Ohio. I reside in Kansas. I immediately called the company and advise them that I did not make this charge, and I was told that it would be reported to fraud. I noticed that the charge was removed from my account, and it was taken off of my credit report. I thought that the matter had been solved, I was told that the account had been closed, and I would be issued a new card. On XX/XX/2023 I received a notation in my credit monitoring that my credit score had decreased by XXXX points. I also received an email from XXXX stating that my bill was due to be paid. When I logged into my account, the previous charge of {$450.00} was stating as amount owed. In the first opportunity during my workday, I called and I spent a significant amount of time on the phone trying to rectify this. Unfortunately because I work in medicine, I had to return to see another patient and I had to get off the phone. I called back at the very next opportunity, the same evening, and was transferred multiple times. Each person I spoke with, said that they didnt understand what had happened, and they were going to transfer me to a department that could assist me. on XX/XX/2023 at XXXX XXXX. I spoke with the fraud department with a person named XXXX. I was advised that there is nothing she could do and that I must call again tomorrow to speak with another fraud department. I did advise her that I work in medicine, and a critical access hospital where I am the sole provider. Due to the nature of my business ( emergency room ) there is no physical way. I can call to be on the phone at XXXX XXXX, there is no one to cover for me. She stated that she was sorry and that I needed to call. I asked each person I spoke with, if they could tell me what had happened that this charge was placed back on my account, I have never lived in Ohio. I do not know anybody in Ohio. And I have not used that card to purchase anything. I have yet to receive an answer, my credit score has declined significantly, and I have no way of managing this problem despite spending hours on the phone and multiple phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This comapany Equifax knew it was accounts reporting that I did not consent or aurthorize and they still reported them even knowing I was infected by their data breach. I tried to fix the problem but everytime I got in contact they hung up on me. This comapany is now in violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Loan # XXXX - Paid in Full on XX/XX/XXXX I sold the home at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX on XX/XX/XXXX and wired funds in full to XXXXXXXX XXXX and paid off the loan in full. Experian credit reporting company has not updated this account and is still reflecting an open account with very large balance. 

I am purchasing a new home and closing on XXXX and this account is significantly reducing my score and prohibiting me from obtaining the interest rate reduction with my new lender. XXXX and XXXX have corrected the account. 

I phoned Experian and was told to contact XXXXXXXX XXXX to have them contact Experian directly to correct. XXXXXXXX XXXX is saying they reported the correction on XX/XX/XXXX to Experian, but can not provide me with any documentation. Experian is saying they can not locate any such correction reporting and can not fix without this. 

I am getting the runaround by both XXXXXXXX XXXX and Experian and need this completed immediately so that I can close on my new home. I do not have 30 days to wait for a dispute!!!!!!!! The loan was paid off almost 2 months ago! 

I am suffering significant financial damages in being forced to take a higher interest rate on my new home loan because of this inaccuracy. By law XXXX, this needs to be corrected. 

Please direct me to the person that can handle this error immediately and have the Experian credit report updated so I can proceed with my closing.
Product: Credit reporting

Years ago an overzealous police officer issued several citations. As soon as the magistrate saw them the charges were dropped. Non processed. I took it a step further and had a judge issue expungement of my records. This expungement was ordered to remove all reference to these charges. The credit rating agencies should not be showing this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the ( FCRA ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by Federal Law to verify physical records on the file of the original signed account or contract from any accounts you post on my credit report. 

I have formally requested to see verifiable proof of the original consumer contract with my execution of signature on the record but not NO REPLY from the credit bureaus. I have sent certified letters to XXXX, XXXX and Transunion to no avail. Below is a list of account records I am requesting said verification of. I would like to complain to the CFPB about this clear violation of federal law. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ) Thank you for your assistance in this matter and hopefully Transunion, XXXX, and XXXX will follow the laws laid out in the Fair credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent a delinquent account that belongs to someone else to XXXX XXXX XXXX, a collection company, XXXX then reported the delinquent account to the credit agencies under my name. XXXX rejected the report as the name, address, social security are different than mine. However, Experian and XXXX did report the negative credit under my name. I contacted XXXX who admitted that the delinquent account belongs to another person but claimed that they reported it correctly and I needed to contact XXXX and Experian. I made multiple contacts with both agencies. XXXX did fix it, only to accept it again a month later. Experian said they completed their investigation and determined that it is me who owes the delinquent account, they provided no further details. I then contacted the original creditor, XXXX XXXX XXXX who admitted that the account belongs to XXXX XXXX and not me, however, they want me to get a copy of my XXXX death certificate before they close their account. I have no access to his death certificate as we are not related. In short, the 4 entities named above are destroying the credit that I worked so hard to establish and will do nothing to clear the issue.
Product: Credit reporting or other personal consumer reports

The list on my Experian File is XXXX different variations of my name, and employers unknown to me. 

Report # XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report # XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XXXX separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... 
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have XXXX days to cure. 

THEY NEVER RESPONDED they also stated that the medical facility stated I authorized other medical providers to access my account. I informed them THAT THEY ARE NOT A MEDICAL FACILITY, THEY ARE A COLLECTIONS AGENCY. I ASKED THEM TO PROVIDE ME WITH THAT INFORMATION OF A RELEASE TO THEM AND THEY SAID THEY WOULDNT {$2000.00}, {$2100.00}, {$1200.00}
Product: Debt collection

ACCOUNT NAME : ONEMAIN ACCOUNT NUMBER : XXXX
Product: Student loan

On XXXX XXXX, 2017 Sallie Mae withdrew {$670.00} from my bank account unauthorized. My loans were approved to be in forbearance until XXXX XXXX, 2017. {$150.00} was taken for the forbearance on XXXX XXXX, 2017 and applied across my loans, confirmation was given. The additional money the took unauthorized cause overdraft fees totaling {$100.00} dollars. <P/>Sallie Mae agreed to refund the money but it will take at least 2 business days leaving me with no money for gas or food. I am currently 3 months XXXX and they have cause extreme hardship and XXXX. They also refuse to pay two further overdraft fees they caused due to over drafting my account. The total over draft fee they refuse to pay is {$180.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : VIOLATION OF THE FCRA LAWS / FAILED TO PROVIDE A CORRECT DEBT VALIDATION INFORMATION TO WHOM IT MAY CONCERN ; HI, MY NAME IS XXXX XXXX XXXX AND I HAVE BEEN TRYING TO RESOLVE THIS MATTER FOR MONTHS AND NO CREDITOR OR COLLECTION AGENCY HAS THE FULL INFORMATION ABOUT MY ACCOUNT. 

THIS COMPLAINT IS ABOUT THIS CHARGE OFF ON MY CREDIT REPORT XXXX  ACCOUNT NUMBER XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX BACK ON XX/XX/2020 I FOUND THIS CHARGE OFF ON MY CREDIT REPORT AND I CONTACTED THIS ARS COLLECTION AGENCY ASKING FOR A DEBT VALIDATION LETTER AND THEY RESPONDED WITH A LETTER WITH FEW DETAILS OR NONE INFORMATION ABOUT THIS CHARGE OFF ACCOUNT ( SEE PAGE # 1 ) ATTACHED TO THIS FILE. 

XXXX NEVER BEEN ABLE TO SEND ME PROOFS OR ORIGINAL DOCUMENTS OR CONTRACTS ABOUT THIS ACCOUNT. 

THE ORIGINAL AMOUNT WAS {$280.00} AND THE CHARGE OFF NOW IS {$600.00} XXXX ARE TRYING TO COLLECT {$600.00} AND THE ORIGINAL DEBT WAS ONLY {$280.00} ( SEE PAGE # 2 ) ATTACHED TO THIS FILE. I HAVE BEEN ASKING HOW THIS DEBT WENT FROM {$280.00} TO {$600.00} WHAT ARE THE LATE FEES OR INTEREST RATES WHY THAT AMOUNT. 

EVERY TIME I CALL AND ASK XXXX TO EXPLAIN OR SEND ME PROOF, XXXX TELLS ME THAT XXXX HAS ALL ORIGINAL DOCUMENTS AND XXXX  HAS TO SEND ME, BY MAIL. 

EVERY TIME I CALL AND ASK XXXX  TO EXPLAIN OR SEND ME DATAIL INORMATION WHY THIS ACCOUNT WENT FROM {$280.00} TO {$600.00}. THEY TELL ME THAT XXXX HAS THIS ACCOUNT NOW AND I HAVE TO DEAL WITH THEM. NONE OF THESE COMPANYS ARE ABLE TO PROVIDE DATAILS ABOUT THIS CHARGE OFF.