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

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting payments late for the time period of XX/XX/XXXX - XX/XX/XXXX but I had been approved for deferment during that time period by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and noticed some inaccurate information. Online Linformation SVC is reporting a debt that I owe ( XXXX ) in the amount of {$250.00}. I have never had any accounts with this creditor and have made several attempts to clear the matter with the company. The company has not provided any proof that the debt is mine and refuses to correct the information on my credit reports.
Product: Credit reporting or other personal consumer reports

This complaint is not sent in error, it has been several sleepless nights for me worrying what will happen to me because my credit score got severely affected by these inaccurate and false information in my credit report. I am so stressed out right now that I decided to submit my complaint here. It will be a great help for me once all of the inaccuracies on my report gets corrected/removed.
Product: Debt collection

rmp llc account number XXXX this has been a torture to me and my credit, i know the .law and this is also illegal this is not my debt please delete this immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

unlawfully add inquiry to my report and offending my score
Product: Credit reporting or other personal consumer reports

My account with ( 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. 


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 XXXX
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. 

XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

Hello I previously submitted a complaint but nothing has been solved and this fraudulent inquiry remains on my credit report. 

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. A unauthorized inquiry remains on my credit report. 

My previous complaint # is XXXX An credit inquiry from XXXX XXXX XXXX  on XX/XX/2022 showed up on my credit report that I did not authorize. I have contacted the business on XXXX, XXXX, XXXX  with no resolution. I have contacted the credit bureaus ( Equifax ) on XX/XX/2022 with no resolution & again on XX/XX/XXXX and XXXX. They requested identification, confirmed receipt of it and still have not removed the inquiry from my report. 

Equifax says I must submit a report with the FTC but FTC directs me straight to cfpb so that is the only complaint I can submit. Please help me resolve this issue in getting fraudulent information off my credit report. 

The tracking number to my identification and complaint was sent via certified mail and delivered on XX/XX/XXXX is XXXX and XXXX Ive attached all supporting documents and I've attached my identification documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Hurricane Maria passed through Puerto Rico, all financial institutions offered a three-month moratorium on their different loans. In addition, it was reported that no surcharges would be charged during this period and that arrears would not be reported to credit agencies. 

In my case I did the whole process as indicated by the financial institution and after several weeks they called me and informed me that the moratorium on my mortgage loan was approved and they gave me a date to present me with some documents to sign the agreement. This appointment was canceled until further notice. 

Meanwhile, I am in negotiations with another financial institution to obtain a personal loan which I can not obtain due to the low in my empirical. So, I request a report from the credit agencies and it is there that I realize that I have registered three months behind on my mortgage loan. Since then I have tried to resolve the situation with the XXXX XXXX XXXX and XXXX XXXX without any success.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. Ive attached a copy of my credit report to this complaint for the following date XX/XX/year>. Im now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your understanding and prompt action.
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 168.SELF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX card Mastercard. I canceled it in person years ago. Apparently they didn't cancel it and the money for auto renew kept being taken from my account and I didn't notice as it was only XXXX a year. The original bank that held the card got bought out by capital one. They activated a new line of credit without my approval. This has damaged my credit as they also charged a new bjs membership and it went deliquent. When we tried to explain and requested they take the deliquent reporting off they said they may do something after 90 days. This puts me in jeopardy of not getting a good loan on a roof replacement caused directly by them when I have no other derogatory remarks on my credit history. It took them over an hour to even accept it might be a fraudulent zombie account. They kept stating it isn't fraud because I agreed to a Mastercard in XXXX. The original card expired in XXXX and I have never seen any other card.
Product: Checking or savings account

I tried to access my bank account with my password, their system said that does not mach their records, I called and got a temporary password and access it but their system asks a code sent to my mobile thru text or call, I tried both but their system says oh something went wrong, we can not send code right now I tried every day for a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account dates are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. XXXX XXXX is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( XXXX XXXX Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted. Who Must File File Form 1099-C if you are any of the following. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). A credit union. Any of the following, its successor, or subunit of one of the following. Federal Deposit Insurance Corporation. National Credit Union Administration. Any other federal executive agency, including government corporations. Any military department. U.S. Postal Service. Postal Rate Commission. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency. A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three XXXX XXXX under which reporting may not be required for the current year. See XXXX XXXX rules next.
Product: Mortgage

i have applied for a mortgage loan with wells Fargo and locked the interest at 3.125 for 90 days, we had some delay in the loan with the seller due to contingency of her buying a new home, but we still in escrow and we going to close next week, and we still in the fame time that we locked the interest when the loan was canceled ( XXXX than 45 days ), paid for apprasial fee, had to reschedule the apprasail for 2 times and then the appraiser cancel the order, and the loan got approved as i sent all he needed paper to them .last i discussed with the agent 2 weeks before canceling the loan was their request to remove my wife from the title as her name is not in the loan, and he said that he is going to check with his assistant as he did n't know anything about the request and i asked him to order a new appraisal .i never mention anything about canceling the loan. agent was supposed to call me back to see about my wife and to reorder the appraisal. agent decided to cancel the loan without my permission loan was canceled on XXXX XXXX, even until this minute after 90 days i did n't get anything in the mail saying loan was canceled, i complained and they said they are going to have the higher management look into it .it took them 3 weeks and then they asked for more time, then they said they are not going to change it and the interest will be what it is now which is higher at time 3.785. call them again and they said to give them 3 more weeks and i got a call yesterday needing more time .i do think they want to go somewhere else and either loose the house or get loan from a different bank .they are trying to waste my time, so i decide to contact you to protect my right, and to stop other people from having the same bad treatment .i thought i do have a contract and they did n't respect our contact, i am ready to send a copy of the loan estimate upon request and ready to prove that no communication had happened between me and the loan agent since the day i asked to get an appraisal and question about my wife and the day they cancel the loan as the agent said i called him and i said that the deal is not going forward which is a big lie and i can prove that .until this minute still waiting for their non sense and time wasting decision.
Product: Credit card or prepaid card

Goldman Sachs or Apple card decreased my credit limit to almost 1/3 of what it used to be. The information they are using to make this decision is not accurate. Legislators designed the CARD Act to protect consumers from unfair and abusive practices by credit card companies. The acts credit card safeguards fall under three broad areas : consumer protections, enhanced consumer disclosures and protections for young consumers. Under the CARD Act I should have been notified 45 days in advance that my credit limit would decrease additionally, I should have also received an adverse action letter about this. However that NEVER happened. I never received my adverse action letter or any form of notification that my credit limit was going to increase, This is discriminatory, and predatory because if they are notyfing others and not me that does not give me a fair deal or fair treatment. Additionally the information they are using to make the decision Is not accurate. The timing of when they made the decision leaves a lot of room for question because the transunion report they are receiving is not accurate. In fact my credit with XXXX is currently frozen b/c i am disputing fraud.
Product: Credit reporting

I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/15 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!
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 Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Product: Student loan

Got a call for a student loan forgiveness program. I had to pay {$800.00} to get it forgiven and just pay XXXX a month and they'd get my loan down to about XXXX  XXXX. Once I paid the {$800.00} never heard from anyone nor can I get a hold of anyone. HUGE SCAM
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding an erroneous late payment entry on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. Specifically, I am addressing an alleged late payment which has been reported by NATIONSTAR/MR COOPER under account # XXXX. 
I want to stress that this late payment entry is inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to NATIONSTAR/MR COOPER . Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entry continues to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove this inaccurate late payment entry from my credit report. Please ensure that this account is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized credit inquiries still remain on my personal credit report I contacted these companies and asked them to remove their credit inquiries from my credit profile. 

I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. If, once your investigation is complete, you find my allegation to be true, please remove these inquiries and send me an updated copy of my credit report at the address listed above. 

XXXX XXXX Inquired on XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Mortgage

" Un-Applied payments. '' @ {$6000.00} in payments listed, but not applied to the balance of my loan. I tracked the balance. Those payments are listed with XXXX applied. I can not get them to explain or actually apply the payments. This represents @ 6 payments of {$1000.00} Please get them to apply the payments. It looks like theft when they accept 6 payments, but not apply them to my balance. Ditech is a bad company. It appears they went bankrupt several times, but still refuse to reduce the interest rate or apply those 6 payments.
Product: Payday loan

I took oit a payday loan in 2008 for XXXX dollars that was the fee. Interest was XXXX dollars, and I keep getting calls from the collection agency threatened to sue me and want me to pay XXXX dollars.