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

XXXX XXXX Subject : Third Round Dispute Reinvestigation Request and Notice of Intent to Sue for Willful Non-Compliance To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX XXXX  on my credit report. I filed my first complaint back in XXXX XXXXThis is my third dispute regarding this account, XXXX, which remains inaccurately reported on my credit report. Despite previous reinvestigation requests, the erroneous information persists. 
In accordance with Metro 2 standards and pursuant to the Fair Credit Reporting Act ( FCRA ) 611, I am entitled to accurate and complete reporting of my credit information. The continuous reporting of inaccurate information by XXXX XXXX XXXX  is a clear violation of FCRA 623, which mandates furnishers of information to provide accurate data to consumer reporting agencies. 

**Account Details ( Experian Report ) : ** - **Creditor : ** XXXX XXXX XXXX  XXXX XXXXAccount Number : ** XXXX - **Account Type : ** Secured Loan - **Date Opened : ** XX/XX/XXXX - **Original Balance : ** {$10000.00} - **Current Status : ** Paid, Closed - **Status Updated : ** XX/XX/XXXX - **Last Payment Date : ** XX/XX/XXXX **Experian Payment History Inaccuracies : ** - XX/XX/XXXX : 30 days late - XX/XX/XXXX : 60 days late - XX/XX/XXXX : 60 days late **Account Details ( XXXX Report ) : ** - **Creditor : ** XXXX XXXX XXXX  - **Reported : ** XX/XX/XXXX - XXXX XXXX XXXX {$0.00} - **Account Status : ** Paid, Closed - **Highest Balance : ** {$10000.00} - **Date Opened : ** XX/XX/XXXX - **Term : ** 120 months - **Last Payment Date : ** XX/XX/XXXX - **Current Payment Status : ** XXXX Days Late - **Worst Payment Status : ** XXXX Days Late - **Times XX/XX/XXXX Days Late : ** XXXX **Discrepancies : ** XXXX. **Experian Report : ** - XX/XX/XXXX : 30 days late - XX/XX/XXXX : 60 days late - XX/XX/XXXX : 60 days late XXXX. XXXX Report : ** - Only one instance of being 30-59 days late. 
- XXXX claims I have made 90 % of payments on time, conflicting with the number of reported late payments. 
- Different last payment date ( Experian : XX/XX/XXXXXXXX XXXX XXXX : XX/XX/XXXX ). 

These discrepancies indicate that the information reported by XXXX XXXX XXXX  is inaccurate and inconsistent across different credit reporting agencies. This misreporting has adversely affected my credit score and overall creditworthiness. 

I have requesting a thorough reinvestigation of these inaccuracies. XXXX XXXX XXXX  fails to comply with this request, I am prepared to take legal action for willful non-compliance under FCRA 616 and 617, which provide for civil liability for willful and negligent noncompliance, respectively.
Product: Credit card

I fully paid for a flight using points earned via my Citi Prestige card which was delayed by over 5 hours. The benefit of the card states that " If a Covered Traveler 's Trip on a Common Carrier is delayed for at least 3 hours, we may reimburse you for expenses incurred because of the delay. '' Additionally, the benefit states that " This benefit covers [ Lodging, meals ... ], as long as they are reasonable and necessary for the Covered Traveler to incur during the delay. '' The claim center admitted that my claim was legitimate, as evidenced by the attached e-mail stating that a portion of the claimed amount was legitimate. However, in speaking with them over the phone, two parts of my claim were denied, which were legitimate. The first was a tip on a meal eaten while delayed in XXXX. The meal was reimbursed, but not the tip. However, in our society, tips are de facto necessary, since if no one tipped, the wait staff would be paid under minimum wage, which is illegal. Therefore, paying tip on the meal was necessary and reasonable during our delay, and should therefore be covered by the trip delay coverage ( The receipt of this meal is attached ). Second, we had a reserved hotel for the night of XX/XX/2016 on XXXX, which requires a water ferry and a taxi from the airport to reach. As a result of the delay, we were unable to reach the hotel in time and had to forfeit our hotel for the first night, which carried a cost of over {$500.00} ( initial reservation and cancellation receipt attached ). This expense was necessarily incurred as a direct result of our delay, and reserving a roof over one 's head is a reasonable expense, and should therefore be covered by the trip delay protection as written.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  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 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

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


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Student loan

I have had multiple issues with them. My account was on IDR when transferred to Nelnet, I set up auto debit but it continues to push out the due date so I need to manually go in each month and make a payment or it continues to accrue interest. I have two loans of equal interest rates and make payments large enough to cover both the interest and principle on both but they continue to apply the payments to one loan so the interest capitalizes on the second loan. I've asked for them to correct it but they continue to not apply it to the second loan so I'm continuing to accrue interest. They are utterly incompetent and costing me additional money and no one will do anything about it.
Product: Credit reporting or other personal consumer reports

I gave XXXX and experience a copy of my Driver 's license. Also a copy of a bill. The problem with XXXX and experience. They did not write me or sent me a letter. Tell name who gave them permissible purpose to put the bankruptcy on my credit report. As a consumer, I do have that right to know. Also ask them being a consumer reporting Agency Under the fair credit act, nobody else can put any information on my credit if it's not the XXXX XXXX. XXXX and experience have done that. They have violated my fair credit rights.
Product: Checking or savings account

Albert ( banking services provided by XXXX Bank XXXX ran the below promotion in XX/XX/2022 and still running. See attached screenshot Albert is offering a referral bonus of {$150.00} to both parties. The person signing up for an account needs to complete the following requirements : Direct Deposit $ 200+ every 30 days for 90 consecutive days Spend $ 100+ on goods or services with the debit card every 30 days for 90 consecutive days. 

I was referred by XXXX. Opened an account using his referral link on 1/5 and satisfied all the requirements for XXXX, XXXX and XXXX. Now Albert is refusing the {$150.00} bonus saying they are not seeing it. 
I followed all the requirements correctly. If it's a problem on your end, fix it. 


Request Albert ( XXXX Bank ) issue me the {$150.00} for me opening the account and satisfying the requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation XXXX  loans XXXX XXXX FRCA Violation credit card XXXX XXXX FRCA Violation other loans late payment XXXX  XXXX XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
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 ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
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 ( XXXX ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}.
Product: Debt collection

asked them to send me proof paper mail regarding this matter but they continue to call consistently 4-5 times a day
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX, and XXXX for reporting incorrect information on my consumer report. The only employment information that should be reflected on my report is my employment with XXXX XXXX and The XXXX XXXX. Any other information that appears on my report is inaccurate and must be immediately deleted. 

Legal Basis : 1. Michigan Consumer Protection Act ( MCPA ), MCL XXXX et seq. 

Under the Michigan Consumer Protection Act ( MCL XXXX ), it is prohibited to : ( XXXX ) Fail to reveal a material fact, the omission of which tends to mislead or deceive the consumer, and which fact could not reasonably be known by the consumer. 

By reporting incorrect information on my consumer report, XXXX XXXX, and XXXX are misleading and deceiving both consumers and third parties regarding my creditworthiness and personal information. 

2. Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 

The Fair Credit Reporting Act mandates the accuracy of consumer reports and sets forth the rights of consumers to dispute and correct inaccurate information. Relevant sections include : XXXX XXXX. XXXX ( a ) This section requires consumer reporting agencies to investigate disputed information in a consumers file. I have disputed the information on my consumer report, and the agencies have failed to correct or delete the incorrect entries. 
XXXX XXXX. XXXX ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. By including erroneous details on my report, XXXX XXXX, and XXXX have violated this section. 

3. Michigan Collection Practices Act ( XXXX ), MCL XXXX et seq. 

Under the Michigan XXXX Practices XXXX, it is unlawful to provide inaccurate or misleading information to a credit reporting agency : MCL XXXX ( XXXX ) Prohibits a person from furnishing false or misleading information concerning the creditworthiness, credit standing, or credit capacity of a consumer to a credit reporting agency. 

4. Federal Trade Commission XXXX ( FTC XXXX ), XXXX XXXX. XXXX ( a ) The Federal Trade Commission XXXX prohibits unfair or deceptive acts or practices in or affecting commerce. Reporting incorrect information on my consumer report constitutes an unfair and deceptive practice under this act.
Product: Vehicle loan or lease

i used autopay to refinance a loan. my credit was ran twice and i was told i was approved and given an interest rate. My credit and wages were sufficient to approve me for the loan, but then reversed the loan approval and claimed its because im an XXXX and that they dont loan XXXX.. ive been in this country since 2001 and have never been discriminated against in the financial sector for anything to do with finances ... thats what a credit report and poof of income are for.. when i told the rep at autopay that it was discrimination based on my nationality, he said that because they were a credit union they werent required to follow he equal credit opportunity act and that it only applies to banks ... upon further investigation i found out that the company XXXX werent a credit union but, a premier technology-enabled auto finance company... now i have XXXX inquiries on my report and auto neither autopay nor lengenuity have tried to fix the mistake. Iv had an auto loan, personal loan and credit card for years through a credit union, and ive never been denied because of my country of origin.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX REPORTED XX/XX/XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX ACCOUNT OPENED XX/XX/XXXX BALANCE OWED : {$3200.00} THIS ACCOUNT DOES NOT/ HAS NOT BELONGED TO ME. THIS DEBT BELONGED TO A FAMILY MEMBER. HOWEVER THIS INFORMATION WAS PUT ON MY REPORT WAS NOT AUTHORIZED NOR WAS I AWARE OF THE OPENING OF THIS ACCOUNT
Product: Bank account or service

TCF BANK CLOSED MY ACCOUNT WITHOUT GIVING ME ANY INFORMATION. FROZE MY FUNDS AND WO N'T ALLOW ME TO GET MY PAY CHECK THAT IS BEING DEPOSITED. WHEN I WENT TO THE BRANCH THEY DID NOT GIVE ME ANY INFORMATION OTHER THAN I HAVE TO WAIT FOR A LETTER. WHEN I CALLED THE LINE IT 'S THE SAME INFORMATION. I HAVE BILLS TO PAY AND KIDS TO CARE FOR. NO ONE EVER TOLD ME THIRD PARTY DEPOSITS ARE NOT EXCEPTED ESPECIALLY SINCE I 'VE BEEN USING THIS BANK FOR YEARS AND SO HAVE SEVERAL OTHERS I KNOW THAT DO TAXES.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. I feel that I was negatively Impacted by EQUIFAX, hurting my chances at credit after receiving a response to my earlier disputes that the accounts were " VERIFIED ''. But I don't see any details about your investigation. XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened XXXX Barclay credit card on XXXX/XXXX/16 with the offer that promised to give me XXXX XXXX miles after spending {$1000.00} on this credit card. 
I met this spending requirement on XXXX/XXXX/16 and I expected to receive this bonus on my first statement on XXXX/XXXX/16. 
However it did not post on XXXX/XXXX/16. I contacted the customer service and they responded : " Dear XXXX XXXX : Thank you for contacting us regarding your XXXX Plus Card. We can certainly address your inquiry regarding the reward points on your account. 
Welcome to our family of credit cards! We are pleased to confirm that you are eligible to receive XXXX welcome bonus points for spending {$1000.00} in new purchases within 90 days of opening your account and you met this requirement as of XXXX XXXX, 2016! 
All points that you earn within a billing cycle are automatically transferred to XXXX after your cycle closing date on the XXXX day of each month under this XXXX number : XXXX. Once the points have been transferred to XXXX, they will deposit them into your linked XXXX account. This process is typically completed within 10 business days after your cycle closing date ; however, it can take up to a maximum of 30 days. '' So then I expected to receive them on my next statement on XXXX/XXXX/16. 
But on XXXX/XXXX/16 Barclay closed my credit card without any reasonable explanation. 
I contacted customer service and they also could n't explain me why my card was closed. 
I inquired about XXXX bonus miles, but they said I wo n't get them because my card was closed by bank. 
I have not violated any rules and I met the spending requirement for this bonus on time when my card was active. 
It looks like bank is using these practices to refuse giving bonus miles to customers as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, Account XXXX XXXX # XXXX, Account XXXX AND XXXX # XXXX Account US DEPT OF EDUCATION # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my XXXX XXXX XXXX XXXX to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Debt collection

I have 2 complaints for this company Ally credit. One is that they made repeated harassing phone calls to my number XXXX well and beyond what is required by regulation F. Twice on XXXX, twice on XXXX, XXXX, twice on XXXX, XXXX and so on leaving voice mail messages each time, even after a verbal request to stop excessive calling. After complaining that they were violation the FDCPA calls ceased. I entered into a reduced payment agreement with the company for XXXX a month on XX/XX/26 prior to my payment for XXXX becoming due. I paid above the required XXXX in that statement month but was still advanced an additional stage of delinquency. I continue to receive statements and letters from ally advertising that they could put me on a payment program despite already being on one. I called the company and they provided various amounts and delinquent stages on the account while acknowledging again that they had accepted the program and i had paid the agreed upon payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was a computer glitch that was TransUnion 's problem not mines that caused your inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that my rights were violated by TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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