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

My account with ( XXXX XXXX ) 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 those account 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. 


( 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 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
Product: Student loan

I have been qualified XXXX since 2009 and at this moment, have over XXXX on time qualifying payments. I've talked to Mohela and now Federal Education department and they won't grant discharge. I'm still making on time qualified XXXX payments still today.
Product: Mortgage

Where do I begin? This is my story long story short. In late XXXX I submitted a bid on a house. I pulled the plug on the loan process in mid XXXX. The process was terrible. My credit was pulled XXXX times. I was told by my loan officer that she was being sabotaged by her co workers and that they were hiding my paperwork from her. My loan officer sent me XXXX pages worth of someone else 's loan and personal information and asked me to sign it and when I told her she chanted " I 'm only human ''. The loan officer missed our close date XXXX times causing Us Our lease on our home and almost the sale of the house. She ignored phone calls to my self or others involved with the transaction. The loan officer demanded me to put my down payment in a U.S. Bank account that day so I did and I went to pull it out later after pulling the plug the teller wrote the check wrong XXXX then crossed out the number and attempted to write over it. I told him it is a legal document and that he ca n't just cross out information so I had to write the cashiers check ... that should be on tape at the bank. The loan officer or someone in the process labeled by appraisal wrong and cost us time and our deadline for them to re do the appraisal. This was the worst experience of my life. My credit has been negatively impacted which is compromising my future financial situation. We wanted to finance a new barn and lawn mower for our home now what do we do? I was so nervous and depressed about this i cried most days and in the middle of work when she would call and ask me where my paperwork was. Talking with manageMent did n't help as it seemed as if they were reading preprinted angry customer rederic? I did n't have faith in US Bank after this. I am in the midst of interviewing a different bank to take over my car loan because I have serious doubts about US Banks abilility to handle money, billing or the responsibilities of customer service or having anything to do with financial anything.
Product: Credit reporting or other personal consumer reports

I have experienced great mental hardship as I have not been able to refinance my home do to this erroneous account.

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files.

Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE this inaccurate account from my consumer report. 

ACCOUNT : XXXX XXXX XXXXXXXX, Date opened 10/2014 Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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.

I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency.

Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete.

Thank you for your rapid response in this very important matter, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
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, credit repair services, or other personal consumer reports

I have never heard of XXXX no have ever done business with them so they need to remove it asap.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act 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 ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, 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 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I became a victim of identity theft few years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately they are a result of ID theft. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT COLLECTION REMOVAL data field formatted reporting! 

To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Collection Removal COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. 
Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Collection Removal compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Bank account or service

I opened my checking account 2yrs ago with Wells Fargo. The banker who worked with me Named XXXX was a very corrupt. He was distracted & quick talking. He signed me up for a {$3000.00} visa credit card. I stated I only wanted a checking account when I spoke to the banker who was supposed to be working with me but took someone else & was supposed to be passing the message to XXXX. That banker XXXX had problems with other customers when I spoke with his manager at a different location. XXXX also shut my account down when he first opened it. I 've had nothing but troubles & lies from Wells Fargo customer service department. XXXX never went over any credit card information or offer on my visit to open my account.
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 consummer rights to privacy and confidentiality under USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX  # XXXXHowever, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Checking or savings account

A XXXX XXXX stole a check from me and cashed it for {$900.00}, citizens bank denied my claim saying that my signature matched others I wrote but XXXX XXXX had access to pertinent information including my signiture.who in their right mind would let me give a check knowing I would call the police and file a report and now there is an arrest warrant out for him.it doesnt make sense.he also stole my identity
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. 

Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXN Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX Account name XXXX Account name XXXX XXXX XXXX Account name XXXX  XXXX Account name XXXXXXXX XXXX  Account name XXXX Account name XXXXXXXX XXXXXXXX XXXX, XXXX  Account name XXXX XXXX XXXX  XXXX Account name XXXX XXXX, XXXX XXXX Account name XXXX XXXX XXXX  Account name XXXX XXXX XXXX Account name XXXX - XXXX XXXX Account XXXX XXXX XXXX Account name 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 or other personal consumer reports

I have been a victim of identity theft and have fraudulent accounts on my credit report. I have repeatedly attempted to contact Experian via phone and their online dispute system to have these fraudulent accounts removed under Section 605B of the Fair Credit Reporting Act ( FCRA ). However, I have been unable to reach a live representative, and my dispute has not been properly handled.

Under 15 U.S. Code 1681c-2 ( FCRA Section 605B ), a credit bureau is required by law to block and remove fraudulent accounts from a consumers credit report within four ( 4 ) business days of receiving a valid identity theft report and supporting documentation.

I want this matter handled promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ 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 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 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: Debt collection

On XX/XX/year>, received an email message from XXXX XXXX of TRUE ACCORD ( XXXX XXXX ) regarding an alleged debt. When I called to inquire, no information was provided to me regarding the original creditor, as they didn't have " access to said information '', yet they wanted me to provide previous home addresses to include the year of my birth to identify myself but was unable to provide details about an alleged debt, thus leading me to believe I was being scammed via phishing for future use. |
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. 
A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 
Account Name Account Number XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because there are still items on my credit that are still mine. Its crazy because I cant even help my mom get a car because of this. Please can someone help me with these things XXXX XXXX XXXX Acct XXXX, XXXX XXXX  Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX  Acct XXXX, XXXX, XXXX  Acct XXXX and XXXX XXXX XXXX Acct XXXX. I have contacted the FTC as I was advised and my local police. Im doing this on my own behalf. Please remove those items from my credit.
Product: Credit reporting or other personal consumer reports

I am a Victim of Identity theft. I have filed several FTC reports and sent them in, and nothing has been done. these are the related accounts. 

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

I have a XXXX XXXX credit card being reported by XXXX, Equifax and XXXX. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, has violated my rights. 

XXXX5 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I did not report this credit dispute with XXXX XXXX to any reporting agency and I have never consented to the use of my private information for reporting purposes. I have attempted on numerous occasions to pay this card of via negotiable instrument, to which XXXX XXXX has accepted but not updated the account as Paid In Full.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account Number : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.