23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Had a {$140.00} ( was more ) bal that I finally put on a charge card XXXX at XXXX. Was paying what I could monthly even up to XXXX times in XXXX while trying to figure out what and if I really owed and what amount XXXX XXXX is notorious for overcharging, incorrect charging, slow to catch up insurance and patient payments. They wanted me to sign up for a payment plan and I refused because I was paying monthly and was being cautious about overpaying again. They notified me even though diligently paying, that they were referring me to a collection agency. It became confusing because it still showed my balance on XXXX as I was making payments so I didnt know they still referred to Collections. I did get an email a wk ago with XXXX listed saying I owed {$12000.00}. Since Im on the Dark Web, I thought it was a scam so I blocked and deleted the email. My confusion is why did XXXX refer to Collections when I was paying. Amounts were what I could afford. Sometimes {$20.00} to {$40.00} to $ 100 month. I spoke with XXXX in Billing yesterday and told her it was confusing because the bal was still on XXXX with option to pay and also in Collections. I explained it was conflicting and confusing and I didnt appreciate despite my efforts how it was being handled. I felt it was deceptive, confusing, handled irresponsibly and insensitively despite paying regularly. Then she told me there is a {$400.00} bal between XXXX other visits from this past XXXX, XXXX and XXXX that is still being worked out with my insurance so I have no balance due if any, as yet. XXXX 's billing dept has regularly misbilled me. Billed me at locations I havent been/used. I am constantly having these difficulties because of incompetence on their part. I just want it on record because Im aware Im not the only XXXX. 

I have gone ahead and paid my balance with a credit card so I can pay what Im able at my pace without threat of Collections. XXXX tried to pressure me to use a payment plan with threats of Collections which probably involved interest and since I was already paying, I did not choose their option.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. 

I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. 

As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. 

I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. 

Failure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX, RI XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

My complaint is in reference to the immediate removal of late payment entries from my Experian credit report as they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). According to the FCRA, late payments should not be reported as negative information. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. However, upon reviewing my credit report, I discovered multiple inaccurately reported late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms. I believe these late payments are the result of a clerical error or misunderstanding. Therefore, I kindly request that you investigate this matter promptly and take the necessary steps to change these erroneous late payments to update to paid as agreed never late or deletion of the late payment ratings. As per the FCRA, I expect a response within 30 days, acknowledging the receipt of this letter and informing me of the actions taken to address this issue. Additionally, I request a revised and accurate copy of my credit report once the corrections have been made. 

Experian has violated my rights by under 15 USC 1681 by reporting the following late payments on my consumer report : 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 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 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

Regardless of the multiple written requests, the public record listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, TRANSUNION ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


Bankruptcy XXXX XXXX Docket # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection from XXXX XXXX has two issues. It is from over 7 years ago and they are trying to collect on equipment that I returned. I returned it with their self shipping label, and they refuse to provide it to me to validate that the equipment was returned. If they would just look into their system, and pull up the records they would clearly see that is was returned.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed an inquiry dispute letter on XX/XX/ and never received a response. There are unauthorized inquiries on my credit report that I would like removed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have tried numerous times to dispute this with you to no avail. It is the result of identity theft. 

( XXXX XXXX XXXX Opened XX/XX/XXXX ) ( XXXX XXXX {$260.00} Opened XX/XX/XXXX ) ( XXXX XXXX XXXX  Opened XX/XX/XXXX ) ( XXXX XXXX {$400.00} Opened XX/XX/XXXX ) ( XXXX  {$250.00} Opened XX/XX/XXXX ) ( XXXX XXXX {$300.00} Opened XX/XX/XXXX ) ( XXXX XXXX {$460.00} Opened XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ) ( XXXX XXXX XXXX  XXXX {$1200.00} Opened XX/XX/XXXX ) ( XXXX XXXX  {$880.00} Opened XX/XX/XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my Identity Theft Report from the XXXX Police Department and proof of my identity/address. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

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

I made a purchase with a merchant through PayPal on XX/XX/2020 in the amount of XXXX from XXXX. When I received the items they were not what was advertised, although items were the same size, they did not fit consistently or even at all. I tried to contact the seller, and they gave me the run around so that I could not return the shipment. I filed the dispute with PayPal and after 2 months and a declined offer of a XXXX dollar refund from the seller, a full refund was offered if the items were returned. I was fine with that until the address was given and after checking with 3 different companies, the average price for me to return the items was XXXX dollars which is MORE than what I paid for the merchandise. After further investigation I found out that the company changes its name so that the bad reviews are not able to consistently be tracked in order to scam consumers. PayPal is not giving me a refund demanding that I return the product even though I will spend more to return the merchandise than what I paid for it. When I contacted my bank, they informed me that PayPal is aware of the companies that are doing this and have recently changed the way they charge bamk accounts in the form of ACH so that the banks can not offer protection even though I never provided PayPal with a routing number to perform any ACH transactions. This is not fair to me as a consumer.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Debt collection

On XXXX XXXX I received a letter from XXXX located in XXXX Nevada their phone number is XXXX they have a reference account number of XXXX XXXX XXXX XXXX I contacted them and representative explain to me the debt is from 1995 I explained to her that I never had a credit card with Walmart she then hung up the phone
Product: Credit card or prepaid card

Sometime in the Month of XXXX we called Citi Card to see how many Thank You points we had. At that time we were thinking of taking our kids to XXXX XXXX for a night. When we called we were told we had no points available. We requested to be transferred to the correct department for explanation. We were told that due to our delinquency we could not use our points. We informed them that we had not received a bill and that is why no payment had been made. After being transferred 5 or more time we finale were told that we did not receive a mail statement because the account was changed to email statement. 
At NO time did we ever requested our statements to be switched since my husband does not pay the bills ( I pay all of bills via paper ). After hours on the phone they were unable to tell us WHEN or HOW this happened. We requested that the error be corrected before it was to be sent to the credit bureau and to switch us back to mailed statements. After that call we we took all our money off of Citi Card and transferred it to XXXX. It was the most horrible experience. At this time we had sold our home and were living an apartment and we knew we could not have anything on our credit report due to our upcoming house settlement. We were notified on XXXX by our mortgage company that our credit score had dropped over 100 points due to Citi Card reporting one missed payment. Since then we have called and spoken to  several employees who have lied and not documented the conversations. We were told that a letter was being mailed of to us and it never was. The letter was to state that they will be contacting the credit beauru and making the correction to our credit. We called back two days later to see if it was mailed and we were told nothing had been done or documented regarding this request. All our mortgage company needs it this letter so we can settle on our home on XX/XX/24. Due to their error, lies and incorrect and NOT documenting our calls we may lose our home!!!!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with, and under the protection of the ( fcra ) FAIR CREDIT REPORTING ACT. I ask for the complete investigation, verification, and subsequent removal of any and all inaccurate, incomplete, and or unverifiable accounts being reported by credit bureaus. These laws sited insist privacy, permission, accuracy, fairness, and complete investigation before reporting any information and alleged accounts. 15 U.S.C 1681sec 602a, 604a sec 2, 1681i ( f ) ( 3 ) ,1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These are the accounts in question. ( 1 ) 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 XXXX continues to inaccurately report my HELOC account XXXX. My unit was sold, and the only amount owed was the small XXXX XXXX HELOC, which closed out XX/XX/XXXX. Today is XX/XX/2018, and XXXX XXXX still shows an account open in my name and social security number, with a balance of {$17000.00}. Please note, XXXX XXXX 's egregious errors with this account have led to damage of my credit, delayed sale of my property and undue burden and Hardship for me, a XXXX individual. 

Closing statement with attorney proof attached.
Product: Debt collection

I filed a complaint against the credit bureaus, XX/XX/2018, requesting they validate the debt shown as collections on my credit reports. They send correspondence of the dispute to the creditors, and today I have not received the documentations bearing my signature on the original contract to the debt. I am not aware of this company or debts and request validation.
Product: Mortgage

I called Rushmore Loan Management on XX/XX/22 because I did not receive my monthly statement and wanted to know what I owed, they said I did not receive a statement because my account was referred to collections. I spoke to a representative who gave a name as XXXX, ID XXXX, who stated I had to pay in full the remainder of my mortgage balance. She further stated they would not accept the monthly payment of {$170.00} reflected on my last statement but would refuse any payment unless it was a payment in full. 

After a loan modification years ago I have a deferred balance of {$2000.00} and a separate balance I have been paying interest on at the rate of 4 % after the modification. I have paid all but a penny of the interest portion of my balance so they are now saying I must pay in full the deferred balance immediately. 

I stated I have many years before my mortgage is due and I do not have to pay off the mortgage early and do not have the ability to pay the balance owed but I will continue to make my monthly payments. They stated I can only pay off the remaining balance in full and they will not accept anything but full payment. They stated again I had to pay in full and they would reject any monthly payment I may send in. 

I dont see how they can demand payment in full when I still have years left on my mortgage term.
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. 1. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 2. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 3. XXXX XXXX XXXX- Date of inquiry : XX/XX/2020, has violated my rights. 4. XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 5. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 6. XXXX XXXX XXXX- Date of inquiry : XX/XX/2020, has violated my rights. 7. XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 8. XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 9. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX