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

XXXX XXXX XXXX XXXX is being reported incorrectly on my XXXX, Equifax, and XXXX accounts. 

They are reporting payments to XXXX XXXX XXXX on XX/XX/XXXX. They are also reporting the account has been transferred and no longer collectable by XXXX XXXX XXXXXXXX. They are reporting the vehicle was repossessed XX/XX/XXXX, that date is incorrect the vehicle was sold at an open auction XX/XX/XXXX. The terms reported by XXXX XXXX XXXX are also incorrect. They are reporting a 4 month term. XXXX XXXX XXXX  doesnt have a contract with me. i contacted the credit bureaus for the last two years about this account. it remains on my credit report and per - 15 U.S. Code 1601 this is a violation of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've sent XXXX XXXX an update address letter on XX/XX/XXXX certified mail and signed on XX/XX/XXXX with proof attached. Experian refuses to update my address and the information on file to the new address listed. It 's been well pass the 30 days on XX/XX/XXXX and still no response or dispute information. I request Experian to update my personal information on file such as Date of Birth, Current Address and Employment History immediately under my Social Security number or I will take another legal action with BBB, Attorney General, etc.
Product: Debt collection

To Whom it May Concern : Dear Collector, I am writing in response to your { letter or phone call } dated { insert date of letter or phone call }, copy enclosed.

On { insert date of initial dispute letter } I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I must remind you that in my previous letter I requested the following information : ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) Provide a verification or copy of any judgment ( if applicable ) ; ( XXXX ) Proof that you are licensed to collect debts in ( insert name of your state ) I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 

As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 

Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are inaccurate late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a late payment is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this late payments represents a cancellation of debt and was not an outstanding obligation, it should not be classified as a late payment. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX the Consumer has attempted to resolve the incorrect and inaccurate information reported on my consumer report and have no success. They are in violation of subchapter of FCRA15 U.S. Code 1692g - Validation of debts they have yet to validate any of these alleged debts, they are in violation of15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

they have yet to provide me with a copy of my written instruction. they are also reporting alleged late payments which is in violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history witH capital 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 XXXX  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 XXXX  days before the payment due date. 


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 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: Debt collection

The debt collector, XXXX XXXX , XXXX notified me at the end of XX/XX/XXXX that they were going to intiate a wage garnishment on me for failure to pay the debt. They informed me in a letter that I had the right to request a hearing that would be considered before a hearing official. The collector stated that if I requested the hearing within 15 days of receiving the notice that no further action would occur until a decision is made by the hearing official. I wrote back to the collector and filed out the form they sent me to request the hearing. My request was received by them within the 15 day time limit. In XXXX I obtained a lawyer to represent me in the matter. When my lawyer contact the collector by phone they told him that the hearing had already occurred and that they called me. However, I never received any notice of such hearing nor was I ever informed of the date of time of the hearing. I have since written a letter asking the collector why I was never informed of when my hearing would be and my lawyer at the time was never notified. Now I have received statements showing that more interest charges are being added to the debt. I have not been afforded my legal rights as they represented to me in writing and now the collector is making it appear that I did not show for my hearing when I was never notified of the hearing. I would like this investigated because as far as I am concerned the collector did misrepresented themselves and the who fact of my right to request a hearing. I feel that this collector is in violation of my consumer protection rights.
Product: Debt collection

It is XX/XX/XXXX, I have talked with these creditors as soon as I received a notice in the mail that my medical bill was sent to them. I reached out to them and let them know what my current situation was and that I wasn't sure when I could agree to start making payments because I have another XXXX coming up and will be missing more work and paying more fees. They were kind and understood and stated that I could make a payment of whatever whenever and they would mail me a payment book this was in XX/XX/XXXX. I made my first payment XX/XX/XXXX to start tackling my debt only to be called on XX/XX/XXXX at my job and be harrased and talked over and be treated less then a human by a employee named XXXX XXXX. I do not appreciate being harassed only days after making my first payment at my place of employment. I have fallen on hardship due to falling on ice 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. I had to miss over 2 months to heal from that while also dealing with my arm not healing correctly. I was finally able to get back to work in the middle of XX/XX/XXXX and by that time my bill for breaking my arm was sent to collections for not making a payment since XXXX even though I was in contact with the hospital so they understood that I was not dodging I just had fallen on hardship as a single person with no support I am doing my best to survive and get my health back on track and I do not appreciate being harassed at my place of employment from central state recovery.
Product: Debt collection

No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No XXXX release to collect on this debt either
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 u.s.c. 1681 Account Name... 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 ... ..15 u.s.c 1681 section 602 A. state 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 reports containing any of the adverse item of information, other than record 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 or other personal consumer reports

My report contains errors that are hurting my scores and costing me valuable opportunities. Its frustrating to be held back by mistakes that shouldnt even be there. These inaccuracies have led to rejections and unnecessary financial strain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of 2020 I purchased 200 rounds of XXXX from a fraudulent website called XXXX. The product for the last 9 months has shown in stock on the website. Their are countless reports of this vendor ripping people off, and they have a XXXX rating of an F. I have disputed this with my Apple card 4x and lost each time. I still do not have the product. I have threatening emails from the merchant telling me he will be my worst nightmare and ruin my life, and the credit card provider refuses to do anything.
Product: Mortgage

I was awarded the property in a divorce in XXXX. I provided Freedom Mortgage a copy of the divorce decree. They allowed my ex-spouse to change the mailing address, email address and phone number on the account to his information. They increased my escrow and monthly payment without notifying me, as they notified my ex-spouse. I continued to pay the amount I was aware of. They are now reporting two 30-day credit marks on my credit report due to the error. This is unfair as I was not made aware of the change in status of the payment ; therefore, I was not able to make the full payment amount. This would fall under UDAAP as they reported to my credit without proper notification of the increase in the payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. My social number is XXXX. I am writing to you because this incorrect account is on my credit report. these account : 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$0.00} 2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$300.00} 3. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$4000.00} 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$400.00} 5. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with balance of {$18000.00} These are not my accounts. I don't know about. I sent a remove letter couple of times, but it has not been removed yet and I have not been contacted, so I am sending a letter like this again. Please remove these incorrect and wrong accounts from my credit report.
Product: Vehicle loan or lease

I was on leave of Absent from my job and I can thems and ask can I get car Refinance in first investor told me they dont do than I ask can one of my payment to be put at end and they said they dont do that..And I told them I was coming back for my car.and they sell it to the Auction now they want me to pay for the towing and change the lock on car and Title..but it at dealership in XXXX for {$19000.00} I had pay it down to XXXX
Product: Checking or savings account

Someone in USAA bank withdrew {$760.00} from my checking account instead of my daughters account for her car insurance payment. The bank has not resolved this obvious mistake on their part. I am out {$760.00} because someone clicked on the wrong line and they will not remedy their mistake
Product: Credit reporting

On XXXX XXXX, Transunion Deleted all of my inquiries. I recently checked and my inquiries are back on and my credit score decreased.
Product: Checking or savings account

Chase Bank closed account with a vague letter never listing accounts. Moved positive balance from savings to checking without my knowledge then proceeded to collect positive funds with a hold on my account which I also wasnt informed of. Made several attempts to try and get my balance paid to me. Waited over an for bank manager at XXXX XXXX site who kept me waiting in lobby although he was informed I was coming in when the store opened at XXXX. Local time now XXXX. I got here at XXXX. Then team members wanted me to make an appointment. Then was told to wait in line. Teller eventually helped .Customer service on phone was no help either they told me Id have to wait 10 days but Lester was mailed on XX/XX/XXXX and today is XX/XX/XXXX. In
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information that TransUnion is reporting for my XXXX records .This is in reference to a Bankruptcy that was filed on XX/XX/2018 XXXX XXXX this XXXX  XXXX bankruptcy petition was dismissed but TransUnion has it labeled as discharged and it was never discharged because I withdrew my petition so they dismissed it. By TransUnion reporting this information inaccurate it is doing harm to my credit report. I just want them to update it correctly or remove it.
Product: Mortgage

XXXX Open case no response, I contacted the company, as to their response, no feedback. Plus the entire process has not been answered. I asked as to why I wasn't told by Mr. Cooper, that I would be subject to a penalty and loss of VA eligibility, as well, as receiving documents of the end result. 

I received neither. This company, is continuing to discredit Veterans, and owes me a proper answer, not some XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase bank closed my account and refuses to return the {$1700.00} I had in the account
Product: Credit reporting or other personal consumer reports

I filed a dispute regarding a bankruptcy having been reported on my credit reports from LexisNexis. The dispute was reported as valid, however, US Bankruptcy Court does not report, verify or validate to any credit bureaus in accordance with the US Bankruptcy Court XXXX XXXX XXXX XXXX Therefore, this information was not validated by any credit bureau as confirmed and was not authorized in writing. In accordance with 15 USC 1681, the credit bureaus reporting of this information is in violation of my rights. I filed disputes in XXXX, XXXX, XXXX and the credit bureaus stated the information was validated and was a lie. Therefore, this information is an error and need to be removed from every credit bureau including LexisNexis, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX. 

I am requesting that your company please forward me a copy of the XXXX that was issued by your company when you charged this debt off with the IRS which is required by law. 

Please also enclose a printed copy of my payment history. Please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard XXXX mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance
Product: Credit reporting or other personal consumer reports

. This item was deleted and you reinserted them without notifying me 5 days after this account was in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I
Product: Credit reporting, credit repair services, 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 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 of the erroneous information which is being posted to my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1700.00} ( Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

IC SYSTEM INC REPRESATIVE TOLD ME I HAD AN ACCOUNT WITH XXXX XXXX IN XXXX LOUISIANA. I TOLD THEM ITS FRAUD I NEVER BEEN TO XXXX AND DID NOT GIVE NO ONE PERMISSION TO OPEN IN ACCOUNT AT XXXX XXXX XXXX XXXX LA. XXXX which is on my credit report.