23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts that have should have aged of my credit report : MILITARY STAR XXXX XXXX XXXX XXXX, TX XXXX USA This should have aged off of my report and also shows payment history when I was not actively paying that account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA I have two accounts that should have aged off my report. Before settled, these accounts were purposely kept active and open in order to accumulate multiple 180 day late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My account with Equifax 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 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.

Equifax 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

Please review all things under Experian due XXXX data breach/improper reporting and removal. Thank you.
Product: Mortgage

Please refer to CFPB complaint number XXXX & XXXX The issue has been corrected to some extent. Now the issue is that both Escrow History and Payment history are missing the payment activity date of XX/XX/2018 only. 

In the " year to date selection '' for both payments and escrow history the date of XX/XX/2018 is completely missing. 

In the " last 6 months '' & " date range '' options the date of XX/XX/2018 is not missing. 

Please see attachment for more details. Thank you Note : I have been in contact with a CitiMortgage rep by the name of XXXX XXXX @ phone number XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, I came to the realization that Ally Financial had wrongfully reported a late payment for my auto loan. I had received a letter in the mail from them that no payment was due for the month of XXXX ( XX/XX/year> ). This is the only reason why I did not make a payment. My account standing had been excellent with no late payments. After speaking to one of their reps, I inquired as to why I had received that letter. They indicated that they did not have a record of any kind of notice like that. I then asked them why they did not contact me by phone to notify me that the payment was late and that they were set to report to the credit bureaus after 30 days. Their response was that they did not have my number on file. I told them that was unacceptable and requested for them to have the late payment reporting removed. After the outsourced/foreign representative spoke with a manager ( on a recorded line of course ), she indicated the late payment would be changed to a current status and to please wait 30 to 45 days for their credit department to update. I told them I thought that was far too long. Since then, they were contacted by the bureaus regarding my dispute and indicated the late payment was in fact accurate. They have done nothing but waste my time and I have not been able to secure a desperately needed business loan due to this single recent late payment which cause my credit score to drop by over 80 points. I have also emailed my request to the CEO XXXX XXXX along with their Chief Marketing Officer XXXX XXXX, and their CFO XXXX XXXX. No one appears to care and this has turned out to be one of the worst customer service experiences of my life. I regret doing business with Ally bank and aside from making this story public, I am requesting any assistance possible in order to rectify this situation so I can get the funding that I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Debt collection

Consumer Portfolio Services Account Inquiries System, XXXX has constantly called our home asking for a person who does not live here. I have asked if they have any action against either myself or my wife and they admit they do not. I have advised them that I will not discuss with them any person who does not live in my home. They started calling me by name and now are calling my wife by name. DO Not Call register obviously does not work as we have never done business with them and are the list. This needs to stop.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2000.00} and XXXX  XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}.
Product: Credit card or prepaid card

I mailed a dispute with Capital One on XXXX I had sent negotiable instrument for payment and it was not credited in violation of UCC 3-104, UCC 3-603 , 15 USC 1666, 12 CFR 1026-13, 15 USC 1693, 16 CFR 433.1-.2-.3 while under dispute and without sending notice that I had sent a dispute and the requested full accounting they closed my account which violated the Fair Credit Billing Act.

To dispute a charge, you need to mail a letter that includes your name, address, account number and a description of your billing error, and send it to your creditors billing inquiries address. You should also include copies of anything that backs up why youre disputing the billing error ( like a receipt showing a different purchase amount than what was billed, for example ). The letter must reach your creditor within 60 days after you receive the billing statement that contains the error.

The creditor must acknowledge receipt of your complaint within 30 days of receiving it, unless they resolve the issue first. And no matter the outcome, the creditor must resolve the dispute within two billing cycles after receiving your letter.

While you dont have to pay for the disputed transaction during the dispute, you do have to make payments related to all other purchases. The creditor is not allowed any actions related to the dispute that might ding your credit, but they can note the dispute.

If after receiving the results of the investigation you disagree with the decision, you can dispute that, too. You have 10 days ( beginning from when you received the results ) to do so, and you can note that you will not pay the disputed amount. At this point, the creditor can begin trying to collect on the amount owed and report you as delinquent if you fail to pay the amount owed. That said, creditors must also report that youre disputing the amount owed when reporting the payment delinquency.

If the creditor fails to meet any of the timelines required by the Fair Credit Billing Act during the investigation process, they cant collect the amount in dispute, regardless of whether the bill was correct or not.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment XXXX  XXXX Personal Info : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers : XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$1500.00} Charged off XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6400.00} Collection XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$570.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$720.00} Collection XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Collection XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Collection Inquiries in Dispute : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Navient called and informed me that they would initiate litigation unless I worked with them to bring my loan current within 4 days of XXXX XXXX 2015 ( referred to as 'today ' ). They asked if I could pay the loans totally XXXX in full today, and I responded I could not. They then asked if I could pay 85 % of the loans today and I responded I could not. They then asked if I could make a XXXX dollar payment today to bring the loans current and avoid litigation. I said I could not. I offered to make a payment at XXXX the normal amount today, as well as XXXX next month and so on until my loans are current in XXXX 2015. I 'm not sure how current or paid in full or else recommended for litigation in 4 days then turned into current 4 months from now and I 'm no longer in danger of litigation.
Product: Credit reporting

I am requesting with this written notice that the following inaccurate XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX item be removed from my credit report. The items are not correct and opened as a result of ID theft and wrong reporting infomation and are causing me financial distress because of their derogatory information. I have sent previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Product: Checking or savings account

I have had several accounts with VENMO and the last one I had was under the name : XXXX XXXX ( XXXX ) Little-Theo-Brother ... 

I have been getting my XXXX XXXX sent there on and off for months. There has been entirely too much hassle updating my profile and getting access to my funds. The representatives have been difficult and rude to me and constantly denied access to my funds I have about 2000 funds in my personal and business accounts, XXXX XXXX XXXX. 

Almost every day of the past three weeks I have dealt with the staff unsuccessfully. These are a few of the references numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these have resulted in my funds being frozen and denied a refund check or direct deposit for 180 days without interest which is in acceptable. 

I am a top member of the US intelligence community and they have even insinuated that I am a drug dealer using this account to launder funds. 

The only monies coming to this or any accounts in the past have been from the US TREASURY.

I DO NOT RECOMMEND THIS ORGANIZATION TO KEEP ITS LICENSE TO OPERATE IN THE US.
Product: Payday loan, title loan, or personal loan

When I made the application they answered me to tell me that it had been rejected and that they would send a letter to explain the reason. When I received the letter, it said that they were unable to verify application information. I spoke with XXXX from the number that the Home Depot Loan Program provided for any questions. The number is XXXX and I called to ask what information they were unable to verify. She checked all the information with me over the phone and it was all correct. My credit score is XXXX, so after checking everything, she could not understand what was the reason it was denied or what was the information that couldn't be verified. She spoke with the people in charge of making the loan decisions and they could not tell me what the reasons were. When I asked if it could be the age, she didn't deny that and simply told me that she didn't know. Honestly, I think that is the only reason that I was not approved.
Product: Debt collection

Midwest Recovery Systems has failed to send me any validation documentation whatsoever. Midwest gave no notice at all before placing on my credit reports. Midwest has ignored 18 emails in the last 30 days. They refuse to correspond with me via email or mail. Midwest has over 800 complaints with the XXXX XXXX XXXX. 

Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Amount : {$860.00}
Product: Credit card

I am filing a complaint in reference to my Discover Card. During the XXXX XXXX, I had a significant balance due for payment. I was in and out of the hospital after suffering a fractured hip in XXXX. Also ended up in rehab and had XXXX. Yet I arranged the set up of payments for the Discover Card XXXX  balances for over XXXX plus XXXX. I checked with the company for the final balance which was XXXX and paid that total in the early XXXX  of XXXX. 
I received no letters, emails, or phone calls about any outstanding remaining balance due until XXXX, XX/XX/XXXX, over a XXXX  later. I was told XXXX  that the balance was short XXXX and now the amount includes late fees XXXX XXXX ). They claimed that although I was never properly notified I must adhere to there rules and regulations. I complained that I never received ANY NOTIFICATION or PHONE Calls until XXXX. I consider this fraudulent and illegal practices by this company to get more money. I am XXXX XXXX XXXX and being penalized for having paid my bills, and finally paying off what I was told was the balance via automated phone contactXXXX. I paid this new Required Balance and demanded that my credit card be Closed ( XX/XX/XXXX ). I believe that I should never have been charged late fees or late interest rates for the reasons stated above.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to XXXX years in XXXX and civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX XX/XX/XXXX