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

I sent a letter last month to the credit reporting agencies regarding an account on my credit report. They are reporting that I was late, but I was never late. I have asked for validation and was never sent any historical data. I am asking for Experian, XXXX, and XXXX to fix this inaccurate information they are reporting to the credit reporting agencies. Their error is causing me extreme distress. The data furnished is different between all 3 bureaus and this is a violation of the FCRA because all data furnished should be the same. They are reporting that I was 120 days late in XXXX while the other is reporting XXXX. How is this accurate? You are also reporting 120 days, but nowhere in the payment history is it recorded that I was late 30 days which is the first violation. If I was late, you think a company will skip over 30, 60, 90 days and just report 120 days? I am liable for compensation for false reporting, but at this time I am only asking for the late payment to be rescinded. I do expect a response within 15 days since it has been well over 30 days since my letter to this company. Please see the inconsistent credit report. I will attach my credit report to show the inconsistency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my Credit report. The credit bureaus stated my account was property investigation but now is That possible if the open date is inaccurate, the active inaccurate, and date last reported is not accurate.This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A, states l 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 instruction. 
My complaint ID # XXXX
Product: Checking or savings account

Not able to get a loan. All the info is filled and there a exclamation mark by my account balance.
Product: Credit reporting or other personal consumer reports

So, in XXXX of this current year and previously, I have had issues with Experian. 

I have tried to contact Experian today and before ( XX/XX/year> and before ), only to be hung up on, receiving no answers or help. ( Emails have been bounced/calls not handled properly ). And all of their costumer service features rarely ever let you talk to anyone... They also have many complaints against them online due to this lack of support, especially from paying customers. I feel like I am being lead in circles. 

First, I am trying to use the Experian Boost feature ( which I had to pay for, Experian Premium, $ XXXX ), and this requires a bank account to be connected to your Experian account. After trying and trying it won't work, and Experian is not any help at all when you reach out and/or try to reach out to them. The feature says it is connecting my account.. then nothing. The messages to note that it is working aren't very clear either. I am upset, beacuse features meant to help people are not even being maintained and working properly. Why even pay for Experian Premium? I have connected bank accounts on other platforms no problem. 

I have also asked Experian exaclty why FICO 8 has not reported a new credit card I have had for months, no asnwer or recourse has been given. The other two bureaus have reported it. Just not them. Again, what is the point in paying Premium prices for this when these features meant to help consumers are not even working? It is like a scam. They claim this subscription helps us with support, credit monitoring, etc. It does not. 

You have to pay for this and that, but then no service or help is given. It is just like the regualr app/site they have without premium, but they are still charigng you but with no proper help or insight from them they claim to give and uphold as a company with such important information at their fingertips.
Product: Credit reporting or other personal consumer reports

I am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THE ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND EQUIFAX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Below is the inaccurate information on my report. PLEASE REMOVE THEM IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is refusing to remove these late/negative remarks from my consumer file immediately. According to XXXX USC 1605 Determination of Finance Charge, because the finance charge is the sum of all charges, so what that means is, according to the documents you sent me, the finance charge is equal to the sum of all charges, that includes alleged late payments. Basically with the finance charge, this property was paid off according to he contract. Also 15 USC 1666b, Timing of Payments, there should be notice 21 days before bill is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX several times over the past year about accounts that are not mine however they keep saying they are my accounts and refuse to remove them.
Product: Checking or savings account

On XX/XX/XXXX I paid my rent payment to XXXX XXXX XXXX and had available funds for transaction of {$1900.00}. Regions rejected payment on XX/XX/XXXX. They admitted mistake and reimbursed me for return check fee, but theyre not willing to reimburse me for the {$150.00} the other merchant charged me.
Product: Debt collection

Requested collection removed from credit reports ( XXXX, XXXX and XXXX ) was not aware of outstanding balance to the medical providers ( XXXX XXXX ). Medical fees were paid in full to XXXX XXXX in the amount of XXXX on XXXX XX/XX/2019 via XXXX XXXX  online payment site. Request to have reported collection removed from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/2020 about the inaccurate and wrong things on my credit report. Its been over 40 days and I have not received any word back about my credit report. I think I'm being ignored and my dispute is being disregarded. 611 ( a ) States that if a credit reporting company has not completed an investigation in 30 days the information being disputed should be deleted. Its been over 40 days, so I demand that these accounts be deleted at once or I will file for litigation due to the hardship Ive had to experience. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Debt collection

SW Credit Systems L.P on behalf of XXXX has placed a collection on my account that isn't mine. Its identity theft and I've advised them of this multiple times as well as XXXX.
Product: Credit card

I request your help in looking into these accounts, as they have been wrongly reported with late payments. Upon checking my credit report, I discovered errors where late payments were incorrectly recorded. These accounts should not reflect any late payments.
Product: Credit reporting or other personal consumer reports

This is my second time writing this letter to you company in regards to these fraudulent inquires that i have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A FRAUD LOAN. I NEVER OWN THIS LOAN, YET IT KEPT SHOWING UP ON MY CREDIT REPORT.
Product: Debt collection

I am writing to formally dispute inaccurate and incomplete information reported on my credit file. Specifically, I am challenging the entry related to RentDebt Automated C ( XXXX XXXX XXXX ), which appears as a collection account with an unpaid balance of {$1800.00}. This information is both inaccurate and incomplete based on the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Details of Dispute : Account Name : RentDebt Automated C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} This account contains the following inaccuracies : 1. Validation of Debt : The debt validation is incomplete or inaccurate, as I have not received sufficient documentation to substantiate this debt. Under the FCRA 1681g ( a ) and relevant case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you must ensure all reported debts are substantiated. 2. Responsibility Misrepresentation : The report lists the balance as unpaid, but this does not reflect the current status of the debt. This violates FCRA 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy.

Requested Actions : I request that you immediately : 1. Conduct a Reinvestigation : Under FCRA 1681i ( a ), you must contact the furnisher of this account to verify its accuracy and completeness. 2. Provide Proof of Accuracy : Supply any documentation validating this account, including proof of the original contract, payment history, and validation of the alleged balance. 3. Correct or Remove the Account : If the furnisher is unable to provide sufficient documentation or validate the debt, you are required to delete this account from my credit report as per FCRA guidelines. Under the FCRA 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. The inclusion of inaccurate and incomplete information violates this standard. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  it was affirmed that credit bureaus must take actionable steps to verify disputed information within a reasonable timeframe. 

Additionally, I request a reinvestigation of these accounts under FCRA 1681i. I expect your organization to : Contact the original creditors or furnishers to verify the accuracy of the information. 

Remove or correct any unverified or inaccurate information promptly. 

Provide me with the results of your reinvestigation and an updated copy of my credit report. 

Enclosed are copies of supporting documents ( e.g., account statements, correspondence ) to assist in your investigation. These documents substantiate my claim that the information in question is inaccurate or incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account being reported from XXXX XXXX XXXX for {$260.00} that is over 3 years old. I have two issues with this. First, my insurance should have paid more on this debt. Second, this debt is over three years old putting it outside the Kansas Statute of Limitation, which means XXXX XXXX XXXX is attempting to force me to pay this disputed debt by wrongfully reporting the item to my credit bureau as a means of extorting me. 
This account is disputed and is not owed. XXXX XXXX XXXX knows this, and yet has not followed their requirements to show this disputed as required by the Fair Credit Reporting Act. 
XXXX  XXXX  XXXX  must immediately remove the account from my credit bureau or I intend on filing suit as per my attorneys advice I have rights under the Fair Credit Reporting Act.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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: Mortgage

I contacted Guaranteed Rate Mortgage to establish an escrow account for property taxes and insurance in or around the end of XX/XX/2021. After submitting bills to the escrow folks, I was sent two letters to show me the amounts to pay in additional funds for the establishment of impounds to pay hazard and taxes. After another month or two went by, they refunded my money and did not establish a tax account. Only hazard. I have attempted repeatedly to get the account established talked with multiple agents who all professed that they fixed the issue. They lied. I resubmitted additional monies and they booked it as another mortgage payment. Now they service transferred my loan to XXXX XXXX. 

Guaranteed mortgage does not honor their agreements and there is no quality control. This is probably worthy of a class action lawsuit as it is apparent this is their business model.
Product: Credit card

In XXXX of this year, I elected to upgrade my Capital One XXXX XXXX at a cost of $ XXXX, to get better mileage rewards. I spent the required {$4000.00} within the required time frame but the rewards did not show up on my statement. So I called and spoke to ( XXXX ) customer service reps and ( XXXX ) XXXX Acct XXXX today and they kept telling me that as an existing customer, I am not eligible. The person at Capital One that I worked with to upgrade the card did NOT tell me I was not eligible. Otherwise I wouldn't have upgraded the card from " XXXX '' to $ XXXX. 
I looked up the Capital One website and in XXXX places it says : " Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past XXXX  months. '' I have NOT received ANY cardmember bonuses... EVER! So based on what is on their website, I should be eligible for the rewards. 
None of the people I spoke to at Capital One were able to tell me where on the website it says otherwise. 
This is clearly misleading advertising
Product: Student loan

i dont make money and cant afford to pay loan. they call and say im late when im not. they robo call way to much and harass me and my mom. just got phone call i was past due then they said it was a computer error. scam artists.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$27000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 : 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, credit repair services, or other personal consumer reports

I HAVE COME ACROSS SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I DO NOT KNOW OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I AM A VICTIM OF IDENTITY THEFT AND I AM ASKING THAT AN INVESTIGATION TAKES PLACES SO THAT THIS MATTER CAN BE RESOLVED. PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of inaccurate entries on my credit report as per 15 USC 16c-2, which are affecting my credit rating. Since these inquiries were not authorized by me,
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX 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 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 ( MONTHS REPORTING LATE ) 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 XXXX  days before the payment due date. 


( XXXX, 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 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! 

Delete the late payments from my consumer reports
Product: Mortgage

Valon Mortgage owned my property mortgage. My taxes were set up to be paid through my fully funded escrow account. Valon represented that they had paid the taxes in XXXX of 2023. However, I recently received a delinquent tax bill indicating my taxes were not paid. 
My loan has since been sold to another servicer. 


I have repeatedly called Valon- upwards of five times- to try to resolve this issue. No one can provide an update and I am told that the tax team is unavailable to speak by phone. I have repeatedly asked for an update with no response. It seems Valon has committed fraud and stolen my escrow money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my debt ... Account was never verified ... They refuse to take it off. I was XXXX XXXX when the account opened.. I like to dispute
Product: Debt collection

On XXXX XX/XX/2022 at XXXX XXXX XXXX, I received a telephone cal from Lake City Credit in XXXX, TX regarding an unpaid debt for a XXXX XXXX card that I held over 10 years ago, which remained unpaid. I have never received any kind of debt verification from either this collector, or from XXXX. I have asked Lake City Credit to send me verification of this debt. I no longer have any documentation of regarding this XXXX credit account. I held this account over 10 years ago. After speaking to the Representatives from Lake City, I did a search on XXXX regarding this firm, which was given the grade of F by the XXXX XXXX XXXX. I gave the rep my current address, since I requested written verification of the debt, sent by U. S. Mail, which they were reluctant to provide. They were advising me to contact XXXX for that verification from their archives. I contacted XXXX, and even though I never paid off the debt, they no longer had any information on that account, especially since the account was closed over 10 years ago. I then spoke to my attorney regarding the statute of limitation on collecting an old debt. According to him, this statute varies by state. 

When I initially applied for this card, XXXX had their credit card operations in North Dakota. According to information I found on XXXX, North Dakota 's statute of limitation on debt collection is 6 years. 

With the information I was able to gather, I am convinced that I was targeted again by a scammer. Once I have written verification, I will add additional from Lake City regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, validation of debt. 

All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail. 

U S DEPT OF ED/XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX There needs be physical verification of these accounts they are not mine!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Wells Fargo has charge excessive overdraft fees of {$35.00}. Request has been made that Wells Fargo not honor payments when funds are not available. However they have continuesly done so without our consent. To grant a charge when the funds are unavailable and then to charge a {$35.00} overdraft fee for separate transactions knowing that there are insufficient funds to cover the transaction is in a sense predatory lending.