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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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! 


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

I am writing to formally dispute the inaccurate reporting on my credit report by Experian, XXXX, and XXXX concerning an account with XXXX XXXX XXXX. I have noticed that all three credit bureaus have reported that my debt with XXXX has been charged off due to negligence ; however, this information is incorrect. 

In XXXX of 2021, my vehicle, along with my credit cards, was stolen. Since then, I have been actively negotiating with both XXXX XXXX and my insurance company to resolve the outstanding issues related to the stolen credit card. Despite providing evidence of the theft and ongoing negotiations, XXXX XXXX XXXX has failed to correct the erroneous charge-off report. This has resulted in significant damage to my credit score and has created unnecessary obstacles for me during this challenging time.

The inaccurate reporting by the credit bureaus has further complicated my situation and caused undue financial stress. It is clear that the charge-off should not have been reported as the matter is still in dispute, and I am actively working with the involved parties to resolve it. Furthermore, this issue is directly related to the theft of my vehicle and credit cards, which should be taken into account when assessing the validity of the reported debt.

I am requesting that the Consumer Financial Protectio
n Bureau assist in ensuring that Experian, XXXX, and XXXX correct this misinformation on my credit report. Additionally, I ask that XXXX XXXX XXXX update their reporting to reflect the true status of the account, as it is currently under dispute due to the theft and ongoing negotiations.

Please advise on how I can further support this dispute and provide any additional documentation if necessary. I look forward to your assistance in resolving this matter and ensuring the accuracy of my credit reports.

Thank you for your attention to this urgent issue.

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

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX and XXXX received my identify theft report. Equifax received it on XX/XX/year>. I called each of the Bureaus on XXXX/XXXX/XXXX  to check the status of my identity theft report. Some of the bureaus have removed some of the fraudulent information. Some had done nothing. The representatives advised me they had 30 days to investigate. I read the FCRA 605B ( 15 U.S.C. 1681c-2 ) which i also sent to them. Per the 605B they have 4 business days to remove said fraudulent information. I made sure to wait over 4 business days as a courtesy. I would appreciate any assistance you could offer in getting this resolved with all 3 bureaus as this is effecting my financial future greatly. I have done everything I am required to do by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these creditors to dispute these accounts and they do not have permissible purpose to be reporting this false accounts nor do they have my correct information or documents. they are in violation of my consumer rights according to consumer law. The creditors are XXXX, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online dispute regarding ( Inaccurate and misleading address information ). 
This information has not yet been nullified. The following information needs to be corrected and deleted from my report : 1. My apartment number ( XXXX ) needs to be added to my current address of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX is being report incorrectly and missing information and should be deleted from my report 3. XXXX XXXX XXXX # XXXX XXXX, NC XXXX this item is an out dated personal mail box, misspelled and outdated and should be deleted from my report.
Product: Debt collection

XX/XX/2020 I received a email from my employer that this unlicensed company is trying to do wage garnishment they are not even a licensed company and they went behind my back to do this
Product: Vehicle loan or lease

Arivo Acceptance I traded my vehicle in for a new car. The loan was paid on XXXX for {$17000.00}. 

It showed a balance after that of {$.00}. 

I paid that on XXXX. 

They again charged me {$290.00} they said it was not paid. I paid that on XXXX. 

I was assessed a LATE FEE of {$32.00} for a late balance of XXXX which was paid on XXXX. 

My records indicate I OVERPAID {$290.00} and {$32.00} They said I had to email disputes. I did. This seems to be an unfair practice and it has hurt my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi I can't believe you guys are taking advantage of me. I am very upset the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. these are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting ABSOLUTERE account number:XXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and my information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

On XXXX XXXX, my husband and I applied for a mortgage loan through Navy federal. After submitted the application, the following day I called to check the status. The agents advised me that is a long wait right now and she will try to get the person that are handling our applications to call us. Later that day I saw our application statuss changed from processing to sent to underwriting. Then it change again from underwriting to denied. I called to understand why! They advised me someone will reach out to me. Two day I received a call from someone who stated I was denied because we have delinquent and judgement on our account. I try to explain to her that I have paperwork showings its an error and we have identity fraud occurs on my husband account. They didnt care. Our credit payment history stated we pay on time 98 % this is the second time Navy Federal denied us for the same thing. We tried to increase our credit card and the only increase but {$300.00}. We email them asking why they didnt pull our credit report. they said because they didnt need to. We requested them to pull our report and mins later we was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

My name is XXXX I am a victim of ID Theft AGAIN, I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report which are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as this date that you used to verify the accuracy of the accounts listed below. Under the FCRA, 15 U.S.C U.S.C section 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit file. Please do not respond to my request by saying that those accounts are verified. If you do not have documentation for those accounts are verified # XXXX, # XXXX, XXXX, XXXX, XXXX, XXXX, please delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Product: Credit card or prepaid card

I was using a myvanilla card for my ex-pats NY state. They will not release my funds. I am on Social Security disability. The finds will not be released after I have submitted a copy of my drivers license and signed social security card. I had a friend put cash on the card and they will not release the funds after I called them twice and submitted the requested documentation twice. My name is XXXX XXXX XXXX. I received an auto-response email both times I submitted my claim. Now I am receiving notices from XXXX because they won't release my money. The first call was made on XX/XX/XXXX the second XX/XX/XXXX. I don't understand how I used cash money and they can refuse to release my funds. If I can no longer use their service fine but return my money. I can be reached email : XXXX or XXXX.
Product: Student loan

I am filing this complaint regarding my interactions with Nelnet Servicing , LLC, as they have failed to provide adequate documentation to validate a debt I am disputing. On XX/XX/XXXX, I formally requested a copy of the Master Promissory Note ( MPN ) for a student loan debt they are attempting to collect. Despite their initial response promising to provide this documentation within 7-10 business days, they have failed to do so.

Nelnet continues to send billing statements and other communications related to this disputed debt, but they have not addressed my core request or provided validation of the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). I have followed up with Nelnet multiple times, yet their responses have been generic and evasive, failing to provide the legally required documentation or properly investigate my dispute. 

Without this documentation, the debt remains unverified, and Nelnet should not be pursuing collections. Additionally, XXXX delay and failure to address my concerns could be linked to their ongoing legal issues, including a XXXX data breach that compromised the sensitive information of millions of borrowers, further raising concerns about their ability to handle my account information properly. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) compel Nelnet to provide the requested documentation and address this dispute properly, including stopping any further communications regarding the loan until the debt is validated.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX name CAPITAL ONE Account # XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

the information on my report is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting statements of all of my late payments that are reporting to all of my credit reports. I noticed that I have several late payments reporting that I do not recall. This is negatively affecting my credit score and keeping me from purchasing a home.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an alert from XXXX XXXX  and XXXX XXXX that there was a hard inquiry on my account for a Capital One credit card. I immediately called XXXX to report this as fraud and asked them to remove the inquiry. They stated that I had to call the lender directly to resolve this issue. I called Capital One and they identified a fraudulent application that was submitted for a secured credit card using my name, address, DOB, and SSN. They put a freeze on the application and said that it would be denied - application # XXXX. I have also contacted the three major credit bureaus to report a fraud alert and put a freeze on the accounts for future applications submitted.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion on XX/XX/22 in which according to the XXXX tracking the letter was received on XX/XX/22. In accordance with FCRA 611 ( a ) ( 7 ), I requested a description of the dispute completed on XX/XX/22 to ensure the completeness and accuracy of this record being reported by Transunion. On XX/XX/22 ( Letter Attached ) I received a response from Transunion explaining the process the company takes when completing dispute investigations. According to the letter, Transunion claimed that they contacted the XXXX XXXX XXXX Florida Located located at XXXX XXXX XXXX XXXX XXXX  XXXX, phone number XXXX. Please see the attached letter I have sent to Transunion with proof from the Deputy Clerk who has certified that they " DO NOT '' provide case information, if any to credit bureaus. As it currently stands, Transunion has violated FCRA laws which required " Completeness and Accuracy '' items on a consumer report and disputes investigations. I am requesting that this record be removed from my record within 5 business days of receiving this notice. I will be sending an official certified letter with my intent to escalate this matter, should Transunion fail to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 my Bank of America account was compromised by someone of the name XXXX XXXX. This person fraudulently used my account to transfer funds to his XXXX account. I disputed this information multiple times but they verify as accurate. As a result I cant open any checking accounts with most banks because of suspected fraud notes in my XXXX and XXXX. I have the bank statements that prove XXXX XXXX used my account fraudulently. Please have XXXX and XXXX delete this information from my account. 

Thank you
Product: Debt collection

Initially I contacted XXXX in regard to a collection appearing my credit report by CKS Investments asking that it be validated which was stated to be verified however, with no signed contract bearing my name. I then contacted CKS investments via certified mail # XXXX and asked for the debt to be validated, there was no response. I contacted XXXX again in regard to this matter, asking it be investigated & validated by providing an original document bearing my signature via certified mail on # XXXX which came by verified. Per Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I was not provided a copy of original documentation. Furthermore, XXXX has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I believe XXXX has been derelict in maintaining accurate information in regard to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act in regards to Account # XXXX XXXX XXXX XXXX, XXXX XXXX  has violated my rights in regards to the following laws : 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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b. States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 ( a ) ( d ) ( 1 ) ( 2 ) States : Definitions and exclusions.
Product: Bank account or service

U.S. Bank is telling me that I owe them overdrawn balances when, once again, my accounts were fraudulently used and some were opened without my permission. Furthermore, I 've asked them several times to investigate these claims that were fraud transactions and they keep denying me without giving me a reason why!
Product: Debt collection

They called my phone, making threats and called my mom threatening to seize their property and take me to jail and seize my property. I have been making regular payments and have currently paid {$2000.00} and still owe {$600.00}. I missed one payment of {$100.00} dollars and they started calling and harassing me even though I asked could I move the payment day.