23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I entered a " Re-Payment '' program with Provident Funding in the past and although I was making my payments on time, because of the re-payment option, I was continually being marked either 30, 60, or 90 days late. I paid back the " Re-Payment '' in good faith and would like to see my Credit Report updated to show either a ( NA XXXX or XXXX - ) in place of the late 30, 60, or 90 days late. I am trying to refinance my Mortgage with XXXX XXXX XXXX XXXX and will get a better rate if my history is updated. Several months in XXXX, XXXX and XXXX reads as No-Data, in late XXXX, XXXX and XXXX, it shows as 30, 60, or 90 days late. Example in XXXX, XXXX = 60, XXXX = 60, XXXX = 30, APR = XXXX, XXXX = 30. Another example in XXXX, XXXX through XXXX = 90 days late, if I made late payments of 90 days for 5 straight months, chances are my mortgage would have foreclosed. Like I stated before, these Re-payments were made in good faith, more recently I have not been late in nearly two straight years. I would like the late payments replaced with Paid-in-full so my credit report/score will improve.
Product: Credit reporting

My account with XXXX XXXX AKA XXXX XXXX has been completely paid in full for months. Originally I tried to pay this debt through XXXX and was denied the opportunity and was forced to go through the collection agency which I did not want to do due to miscommunication. I paid off the FULL balance in order to receive a deletion from my credit report. XXXX XXXX and XXXX both have not taken the necessary steps to remove this account from my Equifax , XXXX, and XXXX credit reports and it is just unbelievable especially when I tried to pay the original creditor directly and was told I could n't! Now my balance is reporting incorrectly on some of my credit reports it says paid in full and on others it says " settled '' which I never settled I paid the FULL balance. This account needs to be deleted from all XXXX of my credit reports as agreed especially seeing as I dont owe them anything. That negative account is severely affecting my way of life at the moment and I need to see it gone. I keep requesting that the credit bureaus contact XXXX which they did and they even have sent me MULTIPLE statements saying my account was paid in full so I even have documentation. Please remove from my credit reports. I want to believe that XXXX is a good enough company to do this for me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Fortiva due to a dispute regarding their report of a late payment on my credit report. Fortiva stated on my XXXX statement that my XXXX payment of {$95.00} was past due. However, I made a payment of {$180.00} on XX/XX/XXXX, as clearly indicated in my XXXX statement. This discrepancy has significant implications for my credit score and financial credibility. 


Dispute Details : XXXX Payment : The XXXX statement indicated a minimum payment due of {$95.00} by XX/XX/2023. 

Fortiva 's Claim : On the XXXX statement, Fortiva reported that the XXXX payment was past due. 

My Action : I made a payment of {$180.00} on XX/XX/2023, as shown in my XXXX statement which covered the {$95.00} XXXX payment. Well within 30 days. 

Attempts to Resolve : I disputed this with the credit bureaus, presenting evidence of the payment made on XX/XX/2023. 

Despite this, XXXX 's dispute results indicated that the account remains reported as a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX - XXXX Account Number : XXXXXXXX XXXXXXXX XXXX Account Number : XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called the creditor that bought the debt that i discovered in XX/XX/2022, they refused to investigate as they did not believe it was identity theft, cant get the closed deragatory account off of my credit report.
Product: Credit reporting or other personal consumer reports

I have disputed the same accounts with this agency as it still reporting inaccurate and incomplete information. Pursuant to section 611 ( 5 ) ( A ) I demand that the items listed on the attached letter is deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS CONTINUING TO REPORT MULTIPLE ACCOUNTS THAT WERE PREVIOUSLY DELETED DUE TO IDENTITY THEFT. AFTER SOMEGOW MERGING MY PROFILE THESE ACCOUNTS RETURNED AND HAVE NOT BEEN DELETED DESPITE MY SUBMISSION OF ALL NECESSARY DOCUMENTATION INCLUDING POLICE REPORTS AND AFFIDAVITS. THESE NEGATIVE ACCOUNTS SHOULD BE DELETED AND/OR BLOCKED IMMEDIATELY.
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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent my letters regarding the invalid information on my credit report regarding XXXX XXXX XXXX I received no response I then sent a CFPB COMPLAINT for extra support to legally handle the dispute But still no response After a conversation with a representative, after verifying a few weeks before that I SENT THE LETTERS, it was assured that the accounts in question were marked for deletion. However, they have not been removed from my credit report. Given my service in the XXXX, I respectfully ask for immediate action to block and eliminate these accounts from my report.
Product: Credit card or prepaid card

XX/XX/2022 Nordstrom Card Services Attn : Fraud Department XXXX XXXX XXXX XXXX, Colorado XXXX Re : Fraudulent Application Nordstrom Card Ladies and Gentlemen : I received the enclosed letter from you dated XX/XX/2022 indicating that you received an application in my name for a Nordstrom Card account . I did not apply for a Nordstrom Card account and the application was fraudulent. 

Please refer the application to your fraud team for investigation, treat this as a complaint, and remove any soft/hard credit inquiries made as a result of this fraudulent attempt to open an account in my name, and advise me when this has been completed. 

If you require additional information to complete your fraud investigation, please contact me at the above address/email/telephone. 

XXXX XXXX
Product: Credit card or prepaid card

I was notified through a push notification and email from Chase Bank, that there was a suspected fraud transaction. The transaction was from XXXX XXXX, located in XXXX, TX, for the amount of {$4000.00}. This fraudulent transaction took place on XX/XX/2021. I immediately disputed this claim to Chase by calling their fraud department. The fraud department advised me that they had determined it was fraud and that the transaction was had tried to be processed numerous times before successfully charging my card. On XX/XX/2021, I received a letter in the mail from Chase that was dated XX/XX/2021, notifying me that my fraud claim had been denied. The letter did not state the reasoning, nor did they provide me any information on how to dispute their finding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a report from Equifax about information being deleted. 
The inquires are still on my report and no one will remove them I have a letter received from them twice about removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to claim number XXXX Transunion has taken longer than 30 days to respond to my complaint. Per the FCRA a credit reporting agency must respond in writing via certified mail proving they did an actual investigation on my consumer report. Transunion must respond with proof to my CFPB complaint or provide a written response to me via certified mail. They have failed to do this therefore must delete the account that was previously disputed.
Product: Vehicle loan or lease

I am writing to formally submit a complaint against First Citizens Bank regarding predatory lending practices that have put me in a financially devastating situation. My name is XXXX XXXX, and I obtained a {$26000.00} loan for a Dump Trailer from First Citizens Bank. Despite diligently making payments for two years, I recently discovered that my loan balance has inexplicably increased exponentially. 

The bank claims that I owe over fees that I was not aware of, and they continue to add late fees on top of this amount. Shockingly, none of my payments have been applied to the loan 's principal. I have asked the bank for a traditional loan, but instead, I am now facing what appears to be fraudulent and predatory loan terms. 

This situation has caused me significant emotional distress and financial strain, and I believe that First Citizens Bank 's practices may violate federal laws protecting consumers from unfair and deceptive lending practices. I respectfully request the CFPB 's intervention to investigate this matter and hold First Citizens Bank accountable for any violations. 

Please advise on any further information you may require to process this complaint. I appreciate your immediate attention to this serious issue.
Product: Debt collection

Credit Management LP, a collection agency located in XXXX, Texas, put a collection item on my credit report. I do not owe that alleged debt. I called them XX/XX/2023 to request info about who the creditor is and what the debt is about, I provided my phone number and address, the rep said that my address is not the one listed in their files. She was clearly able to locate my file based on my phone number, because she addressed me by my full name without me telling her. I requested more information, the rep said they can not verify the debt is mine, then hung up on me. She is right, I do not owe the debt.
Product: Credit card or prepaid card

This is the second time an unauthorized account was opened under my social security card with this company. I was sent an affidavit which I've filled out and sent back but the account still has not been removed from their system. I've attached the identity theft report as well as the affidavit that was sent to me by the company.
Product: Debt collection

I entered into settlement agreement with Rausch Sturm on behalf of XXXX XXXX and overpaid by {$750.00}. I have provided documentation for months from myself and an attorney. They are still returning. to refund the {$750.00}.
Product: Credit reporting or other personal consumer reports

XXXX responding to a complaint I filed with the CFPB for a deletion of an account that has been reporting incorrect and inaccurate information. On XX/XX/XXXX I filed my complaint for the account of XXXX XXXXXXXX XXXX ( account number XXXX ) XXXX XXXX ( account number XXXX ) XXXX ( account number XXXX ) This account has been said to be verified and corrected but that in fact is not true. 
The Credit bureaus stated these accounts were properly investigated but how is that possible when there are still multiple inaccuracies being reported. Ive asked for this account to be DELETED. The CFPB statement response stated I asked for a corrected reported or deletion which is also false inaccurate as well. This account last payment is being reported as XX/XX/XXXX buts its showing the account was in good standing in XX/XX/XXXX. It is also being reported by XXXX that is account has been in good standing with no missed payments from XX/XX/XXXX through XXXXXXXX XXXX XXXXXXXX is a violates my rights. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You have violated federal law, by not properly investigating this matter. I have evidence of search via receipts you must not remove the item in any other action, or in action on your behalf, may result in a small claims action against your company I will be seeking {$1000.00} per violation. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a immediate DELETION of the following accounts : XXXX XXXX XXXX ( account number XXXX ) XXXX XXXX ( account number XXXX ) XXXX ( account number XXXX )
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and removed : XXXX XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Hello I've already reported that my Identity has been stolen, and Equifax has done nothing to help me. I uploaded my identity report and everything. 

My life has taken a complete turn for the worst because of this, I Can't even get approved for a car or a place to stay because of all this. XXXX has been wonderful, they have already removed all of the fraudulent accounts. 

XXXX XXXX  ( account number XXXX ) XXXX ( account number XXXX ) Now I'm just waiting on Equifax. I don't know where to turn at this point. please help in any way you can. it would be truly appreciated. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the Fair Credit Reporting Act. 

I have already filed complaints against the creditors listed above with the Attorney General in their states as well as with other pertinent and applicable law enforcement entities. 

I look forward to an uneventful resolution of this matter. 

Thank You in Advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you multiple times that Im the one whos disputing this information. No third party involved or credit clinic. Lets get the record straight!!! Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The acct paid in full... Also please check date opened, closed, last payment and 1st payment received and theyre not even reporting that month on my historythis is flagrant violation of FCRA laws & needs to be updated to paid/never late. There are numerous errors inc. address of record. Please verify all info is not untimely inaccurate unverifiable or incomplete. 
The information Im disputing are INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of this account and ascertain that the DATA FURNISHER had a permissible purpose : XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FOIA of 1974 15 USC 6802 XXXX Experian and XXXX XXXX are in violation of my rights by allowing my personal information to be used without my consent as the consumer
Product: Mortgage

My insurance company ( Ocwen ) has taken funds from my escrow account for " annual '' Lender 's placed insurance twice this year. First in XXXX ( {$680.00} ) and again in XXXX ( {$630.00} ). They also failed to pay my property taxes in XXXX. This resulted in a over {$3000.00} in fines and penalties. They did end up paying the back taxes and fees in XXXX to avoid foreclosure from a XXXX party company that purchased the back taxes. They held me responsible for over {$1600.00} of these fees. I have been behind XXXX payment for the past few years. They have refused to help me remedy this, any over payments I make they apply to late fees, even though their statements advise that they will apply all funds to past due payments first. I have spent countless hours on the phone with representatives that are not willing or refuse to assist us in any way other than to make the full payment to catch up. We have previously asked if they would defer the past due payment. The representative advised that they would be able to assist, but this never happened.
Product: Debt collection

The original creditor is  XXXX  XXXX . They charged off a charge account i had with them and sold the debt to  Midland Credit Management (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX . I received a letter from  Midland in  XX/XX/XXXX . The y sent me a settlement offer. I settled with them on   XX/XX/XXXX  for {$200.00}. ( Ac ct #  XXXX   ). I spoke wit h  XXXX   XXXX  ext.  XXXX .  XXXX  would not even report that the debt was paid after the chargeoff to either of the credit bureaus. They also are reporting inconsistent information. They have on my credit report for  XXXX  that the account was charged off  in XX/XX/XXXX , but o n my   XXXX   report it shows payments being made after that date. I deny this activity and request that this debt be removed from all   XXXX   credit bureaus. It does n't even have my full account number on the credit report. I need them to give me validation and i need this debt removed due to inconsistent data and incorrect reporting to the credit bureaus.
Product: Debt collection

I was going through my credit report and noticed multiple debts was added to my credit report by this corporation Nelnet. I have never made an account by this corporation so therefore this corporation can not claim I owe them any payments. Great Lakes has sold the debt to this corporation so therefore Nelnet has had already been profiting and is now the owner of the debt. Since they have profited and is the owner of the debt, then they have the funds to pay off what they owe. I demand that you terminate this debt for I am not obligated to pay this alleged debt. Since this corporation believes, I am obligated to pay them they are by law a debt collector. In pursuant to 15usc1692 ( 6 ) a debt collector is any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. I demand this alleged debt to be terminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have filed several FTC reports with Identity Theft. Gov regarding the account with XXXX XXXX XXXX Act # XXXX It needs to be removed from my Equifax consumer report immediately as it is removed from the other 2 reporting agencies and it needs to be removed according to 15 USC 1681 ( i ) regarding Identity theft I sent the documents and they where confirmed receipt on XXXX I have it attached and Equifax as passed the expiration date of 4 Calendar days and that is a violation. 

In addition I sent them information regarding the student loan Navient that according to FCRA law 623 ( a ) ( B ) should be correct as I was in deferrment and made a payment so there is no way that I would be 90 days late. 

I want XXXX to be deleted off of my consumer report immediately as well because it has not corrected itself and its just been violation after violation and the only means to get the matter rectified is legally but regarding the consumer report they are in violation of reporting accurate information and therefore EQUIFAX must correct the inaccuaracy buy removing the 90day late payment remark. 

This has caused me to loose millions and caused me to not be able to obtain credit and I am seeking litigation starting with the violations and some damages starting at XXXX and its increasing more and more as I have lost employment and business opprotunties and housing do to equifax negligence in accuracy reporting and investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Spring oaks XXXX  asking for : 1-validation of the debt-that is, the actual accounting.

2-Verification of a signed invoice 3-a copy of the Contract binding both parties, in a letter, by " certified mail '' so that there is an independent " witness to it having been delivered '' However according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B. 
not use any language or symbol on any envelop or on the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that communication relates to the collection of a debt,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX. I am a private personal consumer submitting a complaint concerning me being a victim of identity theft. My personal non public information was shared by XXXX, XXXX, and XXXX, without my full disclosure or written consent. My personal right to privacy has been abused and violated under the XXXX XXXX XXXX act of 1999. These violations have compromise my non public personal information and resulted in my identity theft. I demand all accounts listed below be removed in the next 5 business days as stated under law. XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX original creditor XXXX XXXX XXXX XXXX XXXX there are so many inaccurate reporting 's on this account on my credit report. Under experian my payment status shows a collection/ charge off but under XXXX  it shows this payment is late 120 days. Also under date last active one shows that it was XX/XX/XXXX and the other shows XX/XX/XXXX. As with the fcra law any item that shows inaccurate imformation should be deleted from credit report. 15 U.S.C 1681. please delete these items off of my credit report.