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

I am writing to formally dispute the accuracy of the information reported on my credit report regarding my account with XXXX XXXX XXXX XXXX Specifically, I am challenging the claim that my credit card payment due in XX/XX/XXXX was late. According to your records, the alleged amount in question is a minimum payment of {$930.00}. 

Background and Request for Proof I request that you provide me with detailed internal records and documentation to substantiate your claim that my payment was indeed late. Please note that mere statements or summary reports are not sufficient evidence. I am specifically requesting : Internal Payment Records : Documentation showing the date when the payment was due, the date when it was received, and any relevant transaction details. 
Account Statements : Comprehensive statements for XX/XX/XXXX and the preceding and following months to demonstrate the payment history. 
Communication Records : Any correspondence or notices sent to me regarding the alleged late payment. 
Legal Reference In accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), which underscores the necessity for concrete evidence in disputes of this nature, I expect a thorough response to this request. 

Potential Financial Impact Please be aware that if this dispute is not resolved satisfactorily and if the false information remains on my credit report, I will consider initiating arbitration. The potential costs to XXXX XXXX XXXX XXXX include : Arbitration Fees : Approximately $ XXXX {$5000.00}, depending on the complexity of the case. 
Legal Fees : Estimated between $ XXXX {$10000.00} for legal representation and related expenses. 
Potential Settlements or Judgments : Any resulting settlement or judgment could include damages for defamation and statutory penalties, potentially amounting to an additional $ XXXX {$20000.00}. 
Reputation Costs : Negative publicity and damage to your company 's reputation could lead to loss of business and customer trust. 
In total, the financial impact could exceed {$30000.00} if the matter is taken to arbitration and results in a settlement or judgment against your organization. 

Conclusion I request that you provide the requested proof within 30 days of this notice. If you are unable to provide sufficient documentation, please update my credit report to reflect accurate information and remove any erroneous late payment entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE XXXX XXXX STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on Experian when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my Experian, XXXX   and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late five times, and I was never 60 days late.
Product: Debt collection

This card was originally with XXXX ( XXXX ). I got ill about XXXX years ago i was XXXX and i am now on XXXX. XXXX is the only income i have. Asset Acceptance attorney XXXX XXXX XXXX continue sending me a letter threatning me that their going to ask the court to freeze money in my bank account. The only account and income i have is state social security benefits. I filed an affidavit of exemption schedule to my account on XXXX XXXX, 2015 I know they received it. The Law office XXXX on behalf of Asset Acceptance continuning to ignore that i am XXXX. This debt is almost XXXX years old. If i ever get back on my feet and healed from this XXXX the debt still is n't what they claim. My credit card limit was only {$2500.00} They continue to add interest daily. Please help me, this is stressful i 've been really sick this is the last thing i need is pressure to pay a debt i can not right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 XXXX XXXX XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. The following information is outdated. I would like it removed from my credit history report. Amount reported by your Bureau is wrong, date opened on account is wrong, you have been violated the LAW. 
I was never late on this account. Balance is wrong, date of opening account is wrong. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report incorrect information.
Product: Credit card or prepaid card

This retail charge account card with Kohl's/Capital One Bank N.A. , is lost.

It was reported lost. I called customer service advising them if the loss. Requested they do what they ought, having each bureau indicate so.

Why? To prevent unauthorized activity.

We can't.

**How much can a good one of those, get outta thatXXXX  No really we can't.

. UnhUnh.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected or removed on my credit file. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

I am a home owner in XXXX Florida. My home suffered major damage during Hurricane Irma. I have a lender placed insurance policy of which I do not have a copy of. Immediately after the hurricane I contacted Seterus ( my mortgage servicer ). They supplied me with the contact information to the mortgage broker. The company 's name given to me was XXXX XXXX XXXX, with the address of XXXX XXXX XXXX XXXX, XXXX, FL. The phone numbers given to me were XXXX and XXXX. When I called those phone numbers both were disconnected with no forwarding information. I then went to the physical address given to me by Seterus and the office was vacant and had been for some time according to the building manager. I called Seterus and was given the policy number XXXX and name of the policy holder, XXXX XXXX XXXX. When I called XXXX XXXX  XXXX they told me there was no policy with that number or policy found with that name. I called Seterus again and was told that even though Seterus has a copy of my policy, they would not give it to me. I have explained to Seterus that my roof has severe damage and I still need a copy of my policy so that I may file a claim. They continue to refuse to provide me with a copy of my policy even though I continue to pay for the policy ( through escrow ). In the meantime my roof still has severe damage and I am still waiting for a copy of the policy from my mortgage servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This account has never been late ...

grave errorsfalse claims and reportingI want the late payments on this account removed immediately or litigatio

n may follow Please validate this information and provide me with copies of any documentation and names of verifiers associated with this account. 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 XXXX   or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTACHED MY DRIVER LICENSE FOR NAME SPELLING AND ADDRESS PROOF. ON MY CREDIT REPORT I HAVE FRAUDULENT NAME SPELLING AND ADDRESSES ALSO SOCIAL SECURITY NUMBER VARIATION THAT IS NOT MINDS. I EVER GAVE ANY ONE CONSENT TO USE MY PERSONAL INFORMATION IN ANYWAY. I HAVE ATTACHED MY CREDIT REPORT WERE THE FRAUD IS SHOWING.
Product: Credit reporting or other personal consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 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 follow items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16815-2 ( 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 is inaccurate. that the information This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Consumer Financial Protection Re : Disputing error [ s ] on credit report Dear Consumer Financial Protection, I am writing to request a correction of the following information that appears on my [ XXXX, Experian, XXXX ] consumer report : I am a victim of identity theft, and I dont recognize one or more of the accounts on my report. There are four negative accounts on my credit profile that has been causing me financial distress XXXX, XXXX nor Experian has yet to validate nor send proof that these accounts belong to me. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are reporting to my credit profile that XXXX, XXXX, Experian has failed to assist in getting the issue resolved. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Nissan sent me a check for {$100.00} and it bounced in my bank account.They put a stop payment on the check and I was never notified not to cash the check.So this put my bank account in negative status.Two checks were sent out both bounced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and there are two credit inquiries that are currently appearing on my credit report that I did not authorize. They are listed below : 1. XXXX Date : XX/XX/2020 2. US SM BUS ADMIN ODA Date : XX/XX/2020 I have provided all of the information that is needed for Experian to remove these inquiries from my Experian credit report. As of today, Experian is still showing these fraudulent inquiries on my credit report and have not provided me with any proof that these inquiries should still be on my credit report. I want these two fraudulent inquiries removed from my credit report immediately!
Product: Debt collection

This Law Firm is very shady in their process serving business. Their vendor committed perjury in order to attempt and garnish my wages. I was never given the opportunity to appear in court as I was never served in my place of residence. The Process server lied and committed perjury in order for Gusdorf Law Firm to take action.
Product: Mortgage

Got a letter form mr cooper claiming that. they will no longer contact cause they were notified RECENTLY to cease and desist even though they have been told this many many times over and that is why i get sparse call from them not leaving messages or leaving four second blank messages EVER SINCE then they send the bogus letter like they finally were told PREPOSTEROUS!!!!! they don't honor their word cause i got another call from them
Product: Credit reporting

Experian did not properly investigate very serious FCRA violations concerning a negative account that is illegally reporting past the 7 year statutory reporting period. The account is XXXX XXXX, account number : XXXX. This account was due to be removed from my credit report on XX/XX/2016 yet somehow Experian recently investigated and updated my report verifying this false information. I have attached a copy of my XXXX report which clearly shows that the account was due to be removed XX/XX/2016. Experian does n't even list the date the account is scheduled to remain on record, allowing this account to continue to be illegally re-aged. I have also attached the page of my Experian report which shows the updated results that they supposedly verified this account, regardless of the fact that it is past the 7 year reporting period. This account was removed from XXXX and XXXX months ago. Please note the remarks on my XXXX report which states : Estimated Month and Year this item will be removed : XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX, Equifax, and XXXX on XX/XX/2023 about a few items they are inaccurately reporting on my credit report. I have disputed these accounts with the credit bureaus and directly with the creditors multiple times all of which was not properly investigated by the credit bureaus and the items remained on my credit report. 

The accounts that were recently disputed were : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX All 3 credit bureaus are reporting different dates for the date the accounts were opened, the dates the accounts were last active and the dates of last payment. All of these dates are inaccurate. I am entitled to an 100 % accurate report. All 3 credit bureaus should be reporting the exact same information accurately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, am writing to address significant concerns related to potential violations of the Fair Credit Reporting Act ( FCRA ) by consumer reporting agencies, namely Experian, XXXX, and XXXX, as well as the financial institution, XXXX XXXX XXXX. 

Citing 15 USC 1681 section 602a, it is emphasized that consumer reporting agencies bear the responsibility of exercising their duties with fairness, impartiality, and a profound respect for the consumer 's right to privacy. Simultaneously, 15 USC 6801 establishes Congress 's policy, stipulating that financial institutions, including XXXX XXXX XXXX, are obligated to affirmatively and continually respect the privacy of consumers and safeguard the security and confidentiality of nonpublic personal information. 
Referring to 15 USC 1681 section 604a section 2, it is underscored that consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. As of this communication, neither XXXX XXXX XXXX nor the consumer reporting agencies, Experian, XXXX, and XXXX, possess my explicit written consent to furnish my information. 

In light of the above, I am formally revoking any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, that may have been granted to Experian, XXXX, XXXX, and XXXX XXXX XXXX, as per 15 USC 6802 ( b ) ( c ). Notably, XXXX XXXX XXXX failed to inform me of my right to exercise the nondisclosure option, as mandated by the same statute. 

Moreover, 15 USC 1681 ( c ) ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without proper authorization. The reported account constitutes an adverse item reported without my explicit permission, in violation of 15 USC 1681s-2 ( A ) ( 1 ) ( a ). 
Under 15 USC 1681E, consumer reporting agencies are required to maintain reasonable procedures to avoid violations. It has come to my attention that Experian may not be adhering to these prescribed standards.

In accordance with 12 CFR 1016.7, I am formally exercising my right to opt out of adverse reporting services. I kindly request your immediate attention and resolution of these matters. Your prompt response to this serious concern is highly anticipated and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed a security freeze lifted and am unable to do so with Experian. At this point I want it lifted for good as this is the second time I have tried to get it lifted in the past few weeks and it is a hassle. I will just have to take the chance and not have it in a frozen state so I don't have to spend days trying to get it lifted. So much for Experian complying with this regulation of allowing consumers to freeze their credit! 

I tried calling their many different phone numbers and they are all automated and have the same options ( except one meant for 'clients or businesses ' ). The automated option for security freeze is only to PLACE the freeze, and NOT to lift it, with no other options available. There is never an option to get to a live person to help you with the issue. 
I tried calling in no less than 10 times and that is just today, not counting yesterday. I aslo used a number that is meant for 'clients and businesses ', ( not consumer line ) and when I shared with the operator what I needed and what was happening she just connected me to the automation again. So, again I call and explain I need to talk to a real person, click! automation again! So again I call and say I am working with _XXXX XXXX and need to speak to a person, again=automation! ( I think she recognized my phone number or voice ). Again I call and I am firm and tell her the automation is not working for me for my issue and I need to speak to a person, so she proceeds to yell at me that I still need to go through the automation to speak to a person and then she clicks me over to automation again before I can say another word! Had I been allowed to speak I would have tried to explain that their system only allows for freezing, and not unfreezing with no obvious way to get to a human. I doubt it would have mattered to her anyway. So again, ( now I am in tears and sobbing ) I call this operator on the business/client line and through my tears of frustration BEG her to please connect me to a person this time, nope! click! I am suddenly transferred to their automation which takes me no where! 

I have tried to lift the freeze online using their website many times ( which is one of the constraining 'options ' in their automated system ) as well and it tells me they are unable to do so and I need to MAIL in information to prove my identity. I really don't have weeks to wait for my paperwork to get to the other side of the U.S. and for someone to finally open it and take care of this for me. 

I feel like this 'company '?? Wants to make their 'free ' services difficult so that you will purchase their subscription services. I think they don't see 'consumers ' as customers and so they don't feel they are there to serve me or that they need to serve/treat me well. 
For a place that holds power over us as consumers ( our credit score and all our credit information! ), they should not be allowed to treat us so poorly. It isn't fair for them to have so much power and have to give so little in return.
Product: Money transfer, virtual currency, or money service

I transferred XXXX USD = XXXX EUR from my USA account to my XXXX account on XX/XX/2020 with moneygram.com They have already charged my USA account and promised to deliver within 10 calander days. Today on XX/XX/2020 the the amount has not been delivered to my XXXX account. Today I call moneygram.com customer service. talked with different departments. The did not give me different reasons. 
one agent telling that they have technical issuues. 
other agent telling that they put my transaction on hold. 
a third agent telling my transaction is under investigation. 
they refused to return the money and told I have to file a written request for refund and it will take upto 90 days after receipt of refund request and the refund process will has charges. but they can not to tell me when they will be able to deliver the amount to destination account.
Product: Credit reporting

To whom this may concern. 

My Equifax report shows two accounts in dispute. I DID NOT request a dispute of these items. These items are VALID. I have called Equifax customer service multiple times and each time was told the investigation would be immediately canceled. It has not been canceled, and as a matter of fact it was completed and then is now in the process of a RE-INVESTIGATION. 

The items I am referring to are below : XXXX Account # XXXX and XXXX Account # XXXX Please let me make this CLEAR. I never disputed these two accounts. They are VALID. I would like any disputes or investigations into these two accounts stopped at once.