23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I saw a charge from XXXX XXXX appeared on my Chase credit card. The charge was from XX/XX/XXXX, and was posted on XX/XX/XXXX. 

I called Chase and was transferred to the dispute department. The dispute department told me that they had no idea why the charge posted 14 months after the transaction date, and asked me if I know the merchant or have authorized the transaction. I told the representative that the merchant is a well-known retailer in XXXX ( like XX/XX/XXXXXX/XX/XXXX or XXXX ), and I was in XXXX in XX/XX/XXXX. However, given it has been 14 months, I don't remember if I have shopped at an XXXX Mall or have used the card at one. The representative told me that since the charge is more than 60 days old, she can't open a dispute. I asked her why would Chase allow a merchant to post a charge 14 months old, while forbidding a cardholder for disputing a charge more than 2 months old. She told me that she does not know, and provided me the merchant 's phone number, telling me that I will have to resolve the issue directly with the merchant.
Product: Credit reporting or other personal consumer reports

I have requested to XXXX  to validate and verify the negative account they arereporting on my personal credit profile, including providing an acknowledged agreementand transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX Mortgage Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX mortgage account, reported by Equifax. I previously filed a dispute regarding these discrepancies, yet no corrections have been made to reflect the accurate payment history. This letter serves as a second dispute request, and I am asking for a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ), as per 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a thorough investigation upon receiving a consumer dispute. 
Summary of Discrepancies Upon reviewing my payment records, I found no late payments on this account, yet each bureau reports different late payment dates : XXXX and XXXX report late payments in XXXX and XX/XX/XXXX, as well as XXXX, XXXX, and XX/XX/XXXX. 
Equifax shows four late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the FCRAs accuracy requirement and negatively impact my credit score. Therefore, I request a full investigation of these entries and a correction to accurately reflect a Paid As Agreed Never Late status. 
Request for Documentation and Investigation Process Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process your agency conducted for this dispute, as required by the FCRA. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding this account be reviewed for accuracy.

Furthermore, please provide in writing the procedures in place, as per 15 USC 1666 ( b ), ensuring timely issuance of periodic statements. Should your agency be unable to provide valid evidence of these late payments, I demand that the account be updated to Paid As Agreed Never Late. In the absence of verifiable proof, I expect immediate rectification to maintain the accuracy of my credit report.

Reference to PAANL ( Paid As Agreed Never Late ) Given my record of consistent on-time payments, this account should reflect a Paid As Agreed Never Late status. This correction is essential to accurately represent my commitment to financial responsibility.

Thank you for your prompt attention to this matter. I expect a resolution aligned with the legal obligations outlined by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. Please respond within the FCRAs specified 30-day timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Today XX/XX/21, I received a letter from RBC stating I had an outstanding debt for {$77.00} from the original creditor XXXX XXXX XXXX. They stated I had 30 days to send written notification to validate this so called debt. I immediately called XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, OH XXXX to inquire if had an outstanding balance. The lady I spoke with informed me that I did have an outstanding medical bill for the total amount of {$57.00}, I paid her over the phone, confirmation number : XXXX. RBC states in this letter I owed more than the original creditors balance. They was trying to pocket {$20.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX these account are fraud, having my false identity. They gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX, AL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm going through the process of freezing my family 's credit. This is taking time and why I have n't called the agencies yet. My issue is, Ohio has a law allowing us to freeze our minor 's scores : http : XXXX However, Transunion and XXXX do not provide an option to do this. This is contra to our law. I should be able to as the parent without an actual identity theft action.
Product: Debt collection

I noticed the debt on my credit report and disputes with the credit bureau. The credit bureau stated the company verified the debt. I again disputed the debt as unknown and I received the same results. I contacted the company that's stating I owe the debt to inform of invalid account and they sent a letter showing a statement in my name. I again called and asked for proof that I signed up for that debt and I also asked for proof of a document showing they had the right to collect it and that they own it other than showing me a statement. The company sent the statement copy and nothing else. I then sent a certified letter stating the company had 10 days after receipt to provide me proof of my signage of this invalid account and proof of owning docs for this particular debt andnif not, they need to delete it ... and once again, the company provided me with their company letter showing the name of company owed which was not proof.
Product: Debt collection

I was involved in identity theft my information was breached and some accounts was open fraudaulently in my name the following companies have collections on my report Company : ohio dept of human services. 
opened : XX/XX/XXXX acct number XXXX company : XXXX XXXXXXXX XX/XX/XXXX sunrise credit services account number XXXX XX/XX/XXXX
Product: Student loan

Student Loans that were paid off via Sallie Mae are not listed as paid via XXXX, they are listed as being defaulted, and have been garnishing tax returns as well as social security checks every month. Garnishments do not pay anything towards principal balance ( on loans that were paid off ) .... All interest is paid off on loans and everything else goes towards collection costs. Also the collection costs, as well as compounding interest is based off of loans that have been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX and XXXX Inquiry date XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identify theft yet again with XXXX. I have no knowledge of this account with Exeter Finance LLC/XXXX which has opened an account with my social security number and card. I am unaware about any of this and the FTC already has an investigation in motion.
Product: Checking or savings account

My Chase checking account was hacked from my debit card. They made two transactions on XX/XX/28 to XXXX XXXX XXXX XXXX XXXX XXXX. One for XXXX and the other for XXXX. This is a foriegn company from XXXX. I contacted my bank Chase and they return the money back to my account. They told me they would do an investigation on this matter. About three to four weeks later they took those amounts back out of my account with no notification. When I inquire about this to the bank, they told me after the results of their investigation they determined the transactions were legal. I explained I've never been to XXXX and I don't even own a passport. They said I had to give them some proof that I didn't make those transactions. When I ask what proof I needed to give them, They wouldn't tell me. I'm a XXXX XXXX living on Social Security. I can't afford to take trips to foriegn Countries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres been a problem with inquiries on my report that I did not do they had no permission to use my name to file these inquiries and they cant provide my application or signature for the verification
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding CFPB complaint NO. XXXX. Over 4 months ago in XXXX, I attempted to reach out to Vervent regarding two tradelines. My letter was undeliverable due to Vervent 's negligence of not updating their contact information. Vervent closed the complaint stating that they can confirm and certify that the credit bureaus have their correct address. Vervent direct response to me, consumer XXXX was this : *******Our investigation found that we have received credit burau disputes filed on the XXXX XXXX account in XXXX and XXXX. In each instance, the account data was verified as reporting accurately and a replied was filed with the credit bureaus. 
We have reviewed the supporting documents provided and are unable to confirm if the documents which contain the address of XXXX XXXX XXXX were directly from a credit bureau agency. We can confirm that the phone number listed with that address is the phone number where we can be reached. Our new address was provided to each credit bureau agency, as requested by the Federal Credit Reporting Act. We have verified with XXXX, XXXX, and XXXX that they have our current address listed. ***** As of XX/XX/XXXX, Vervent did not thoroughly conduct a proper investigation. Vervent is still reporting the address to XXXX, XXXX XXXX XXXX as of XX/XX/XXXX. Vervent is in violation of 15 U.S. Code 1611- Criminal liability for willful and knowing violation for certifying that their contact information is accurate despite otherwise. Exhibit # 5 is documentation generated by XXXX on XX/XX/XXXX of my consumer report. Contact information of Vervent more specifically the address is reporting XXXX XXXX XXXX after vervent certified that the FTC and the credit bureaus have their up to date address. I hereby demand Vervent produce the method of verification describing the steps conducted to verify that they ensured the credit bureaus have their correct address per FRCA 623 or to honor my previous request of removing both derogatory tradelines furnished starting in XXXX & XXXX for the failure of investigating due to undeliverable address and for furnishing inaccurate information and knowingly doing so. Attached is exhibit # 5, their response to me back in XXXX, and what Vervent is currently furnishing to XXXX as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing [ insert a derogatory condition here, such as this account was charged off for {$4100.00} in 2022. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Student loan

I have a loan with XXXX XXXX/NAVI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX/NAVI with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Product: Mortgage

BBVA holds my mortgage/escrow. I changed my homeowners insurance company, mailed BBVA my insurance refund check for escrow on XX/XX/XXXX {$1100.00}. New insurance was now going to be {$960.00}. I phoned on XX/XX/XXXX to get my new payment. She informed me it would go from {$1600.00} to {$1700.00} ( confirmation # XXXX ). My payment posted on XX/XX/XXXX but my mortgage said it was unapplied payment of {$1700.00}. On XX/XX/XXXX, they charged me {$55.00} late fee. On XX/XX/XXXX I called and asked why my payment didn't post, told it was short. I said I will pay the additional money to get it posted and she took my payment over the phone of {$98.00}. I found out the XXXX that money was given to escrow and not the payment so I am still short and delinquent. 
I have asked for 3 days to have a supervisor call because I believe the customer service representatives are in another country and not connecting with my mortgage. I have asked what I need to do to speak to supervisor to no avail. My last conversation she said she would ask to get the {$98.00} payment moved from escrow to mortgage. She was going to give me confirmation number and the phone disconnected after 7 minutes. I called back to find the business was indeed closed. I have over XXXX credit rating and do not want it ruined because of this business tactics. I have almost {$400000.00} equity in my home and would like to move to another bank if possible with my husband and I retired. 
Please call me and help. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion are deliberately reporting inaccuracies on my credit reports. I've disputed the claims and their fraudulent merit, yet these bureaus continue to disregard the hard evidence. I demand an original contract with my wet signature on them, or immediate removal of all disputed claims. I'm strongly considering litigation this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I helped my father find a credit report to check his credit score. Back then, the website was not clear that I was signing up for any recurring services. I noticed today, XX/XX/XXXX, that I had a recurring pending charge from Transunion which alerted me to investigate. I came to realize Tansuinon had been charging me {$19.00} since then, a total of 28 charges at {$19.00} totaling {$550.00}. Today I called Transunion and the first representative said he could only cancel the subscription and refund the previous month of XX/XX/XXXX. I called again and spoke to XXXX, empoyee ID # XXXX ; I explained to her the issue and advised she could verify I had no access to their portal ever since and did not have an intention to subscribe to their Credit Monitoring Service. She said she was only authorized to refun 11 payments and if I wanted more I would have to talk to a supervisor, which I did. Supervisor, XXXX # XXXX, said he understood the issue and said he can only refund half, 14 payments. He stated there was no one else above him that could help ressolve the issue further. They state that even through, indeed, I did not access their serice throgh their portal, my father still recieved credit monitoring and alerts in case of fraud. The email associating with the account was my email, and upon chekcing my inbox, spam, and junk folders, there isn't a single email from Transunion, therefore, I could not have known I was getting an unwanted service. XXXX claims emails were indeed sent. 

My online banking only allows me to search from XX/XX/XXXX onwards : XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00}
Product: Credit reporting or other personal consumer reports

I show XXXX incorrect credit checks on my XXXX report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and I demand they be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

student loans information misleading on my reports. wrong balance wrong open date.
Product: Credit reporting or other personal consumer reports

MY ACCOUNT XXXX XXXX Hope you straight Im writin to let you know I dispute this debt under the Fair Debt Collection Practices Act Dont need no extra proof or paperwork just wan na make sure you know I dont agree with it If you need to reach me do it by email only Monday to Friday XXXX XXXX XXXX XXXX XXXX XXXX Any other way like callin leavin voicemails or sendin mail through USPS XXXX XXXX XXXX XXXX a hassle for me Thanks for understandin
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a mortgage application with Trident Mortgage, My credit report was supposed to be access one time. I received an alert with the three credit bureaus stating that my credit report was pulled on XX/XX/XXXX and XX/XX/XXXX from the same company. I verified with XXXX XXXX that Trident Mortgage requested my credit report two time. I was told that the company can only pull a credit report every 30 days. By Trident Mortgage doing this transaction has lower my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax TOLD the CFPB that they deleted an unauthorized inquiry from my report. But when checking my report they in fact did NOT delete the inquiry as they claimed. Meaning they lied to the Consumer Financial Protection Bureau and lied to ME the consumer!
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX 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 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. 


EDUCATION/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: Credit reporting or other personal consumer reports

I had a loan for a vehicle the vehicle fell apart less than two years after getting it and I had to do a voluntary repossession I figured that would be better as it wouldn't have a bunch of missed payments until they reposses the vehicle themselves. I called in XXXX XXXX and spoke with them and they sent me papers to sign for a voluntary repossession then proceeded to not get the car until this month. XX/XX/XXXX. Meanwhile all that time the missed payments are racking up on my credit report. What is the point of a voluntary repo if the company isn't going to get the car for 4 months. That's not my fault they didn't get their vehicle until 4 months later I was ready for them to take possession of the car in XXXX XXXX XXXX I signed the voluntary repo paper I shouldn't have to have months of missed payments on my report bc they didn't want to get their car. XXXXXXXX XXXX XXXX  is who I held the loan with and I've disputed the missed payments on all the credit agencies but it just comes back saying that my account is accurate. I'm also being charged storage fees and I signed a voluntary repo so why do I have to pay for that when I signed to take the car. I don't need them to give me time to change my mind they already gave me 5 months.