23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, PENTAGON, XXXX XXXX, XXXX XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 Bureaus and XXXX XXXX XXXX, PENTAGON FEDERAL CR UN, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXDate of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my account was reported late I had spoken with a representative on XX/XX/XXXX and she advised me my payment had been return and I needed to make a payment to avoid a late payment on my account. I immediatly took action. The representative gave me false information and my score dropped XXXX points! I am in the process of purchasing a home and this has impacted me tremendously. Please advise this company the to remove this and report the accurate information to my report. Below is the letter I sent the company. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ga XXXX XXXX : Acct. # XXXX - XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX - XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of my accounts to the three credit agencies. First of all, let me start by saying " thank you '' for taking time out your busy day/ schedule to read my e-mail. I recently pulled my credit report and discovered that I have 1 '' Late Payment accounts reported with over 31 days delinquencies from XXXX XXXX XXXX with {$0.00} balances. This distressed me because I was unaware that when i submitted my payment someone had compromised my account with my bank therefore the payment was reversed without my knowledge.This adversely affects my ability to the complete the process of being a first time home buyer/owner with a strong credit rating. I 'm just trying to make a better life for my XXXX daughters while working hard as a single mother. This late report is one of the only things standing between myself and receiving the lowest interest rate available. I realize the position that I did n't proactively check my account statuses and I apologize for that immensely. I have definitely learned a valuable lesson the hard way and hope that you take my request to remove the 1 late/delinquencies off of my credit report into serious consideration. I hope that you will deeply consider my request. I look forward to your reply. In all honesty if not I will just close my account with commenity bank giving that fact I know I will be a loyal customer and shop wisely but I just need your assistance in this matter. Credit is impoortant to me because when I found out the payment was reversed the rep assured me I caught it in time and i submitted the payment XXXX XXXX. I was given inaccurate information and was told as long as im not 30 days past due and she assured me I wasnt. Please let fix this and move forward. Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB, THIS COLLECTION COMPANY NEEDS TO BE INVESTIGATED FOR NOT FOLLOWING THE RULES, REGULATIONS. THATS CLEARLY STATED ON THE ( IRS ) WEBSITE ABOUT CHARGE OFF ACCOUNTS.
Product: Credit reporting or other personal consumer reports

I never was late in XXXX and XX/XX/2023 ACCOUNT XXXX XXXX XXXX XXXX XXXX per 15 USC 1681i ( 5 ) I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding the late account reporting on my credit report for the months of XXXX and XX/XX/2023. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that this reporting violates my rights under 15 USC 1681i ( 5 ). I have reviewed my credit report, and it has come to my attention that the above-mentioned creditor has reported my account as late for the months of XXXX, XXXX, and XX/XX/2023. However, I would like to assert that this reporting is inaccurate and is adversely affecting my creditworthiness and financial standing. Under 15 USC 1681i ( 5 ) of the FCRA, I have the right to dispute any inaccurate information that is being reported by a credit reporting agency. I am hereby requesting an investigation into the accuracy of the late account reporting for XXXX and XX/XX/2023. My reasons for disputing this information are as follows : I kindly request that you conduct a thorough investigation into this matter as soon as possible and make the necessary corrections to my credit report if it is determined that the late account reporting is indeed inaccurate. Additionally, I request that you inform me of the results of your investigation in writing and provide me with a copy of my updated credit report once the necessary corrections have been made. Please consider this letter as a formal request to initiate the dispute process under 15 USC 1681i ( 5 ). I understand that you have 5 days to complete your investigation, and I look forward to a prompt resolution of this matter. Thank you for your attention to this dispute. I am hopeful that the CFPB will help ensure the accuracy of my credit report and protect my rights under the FCRA.
Product: Credit card or prepaid card

On XX/XX/2022 I accidently made a payment to Comenity Capital Bank on my XXXX XXXX XXXX in the amount of {$3000.00}. 

At this time, I owed no money on this credit card. When I realized my mistake I called the bank and asked them to transfer the money to my other Comenity account BJs where I initially intended the money to go. The customer service rep told me this was not possible but she could process a refund for me in the amount of XXXX because I owed them no money and had a credit. 

Several weeks passed I did not receive my money. When my statement come to the house it shows I have a credit in the amount of XXXX. I'd call them again to send me a refund they give me some stupid story of system problem not process the last request and promise to send out my check. However, I never get the check. I kept calling and speaking to mangers no resolution. One day I called to close the account to force them to send me my money. After XXXX long months XX/XX/2022 they agreed to transfer the balance to my other Comenity Card BJ. 

I thought I was free from them unfortunately on the next statement where my balance was suppose to show XXXX it showed I owed them $ XXXX. I called them immediately to resolve this stupid non sense they say they would take care of it. 

Today XX/XX/XXXX they called me to inform me I have a late payment on my account. I went comcast on them and now I'm filling out this compliant form. Stay away from Comenity Capital Bank XXXX XXXX XXXX. I want to close my BJS  card as well this bank. Comenity Capital Bank is a thief.
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 XXXXXXXX { American Honda Finance XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX } { XX/XX/year> } I have been with ( American Honda Finance ) for a long time, and I have always appreciated the good value and service I have received from your company. Recently I checked my credit report and noticed delinquent payment history. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would love to remain an active consumer of ( American Honda Finance ) and would like for us to work together to update my payment history that is hindering me from getting approved for credit. Will you kindly send me confirmation that this erroneous late payment has been corrected, updated to paid as agreed/ never late and deleted from my credit report and sent to the consumer reporting agencies to update. I appreciate your companys decision and consumer satisfaction to do the right thing. Thank you.
Product: Credit reporting or other personal consumer reports

I've requested for my paid student loan to be updated as paid and closed but the credit agency never changes the status of the loans and claim that it's the creditor that's reporting loan status as open. Never gets resolved
Product: Credit card

The issue is causing me significant XXXX and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Product: Student loan

Sallie Mae has recently reported 6-7 delinquencies on my credit report. A payment was made in the amount of {$790.00} on XX/XX/22 before XXXX XXXX  that day. A rep told us as long as the payment was made before midnight on XXXX. We would not be reported. Sallie Mae then reported to my credit report a week later. I want these delinquencies taken off my credit report and my points restored. Sallie Mae has destroyed my credit. I've never had bad credit until my son opened up student loans with them. They are the worst financing company by far! Believe the reviews!!!
Product: Credit reporting or other personal consumer reports

SYNCB/CARE CREDIT C/O XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX Is erroneously reporting on my credit report that I have an account open with them owing {$7400.00}. 

I have no knowledge of this account. I have disputed the account and reporting with the merchant via XXXX different credit bureaus and they are violating FCRA by not providing a full validation of the debt showing the documents of whom and where this debt was applied for. Contract. Signature. Identification of whom signed. Etc. they've also filed to provide names and contact information for any person or entities they used to allegedly " VALIDATE '' This debt as my responsibility. Methods for which this validation process was completed.

Furthermore, upon researching this creditor, it seems as though this is a medical billing account to which I have no knowledge. They are reporting this in violation of The HIPAA Privacy Rule ( 164.524 ). 

I am here by demanding that this account be IMMEDIATELY REMOVED from my credit reporting and that they CEASE to report any negative information on this account. Otherwise I will be forced to take legal action and report this issue to higher governing bodies for immediate legal recourse.
Product: Debt collection

On XX/XX/XXXX, after being alerted by my credit monitoring service that there was a " collection '' on my credit reports, I contacted XXXX XXXX XXXX to inquire about the " collection '' they placed on my credit reports on behalf of Orion Portfolio Services in the amount of {$330.00}. 

XXXX XXXX XXXX ( XXXX ) informed me the collection was for a XXXX account from XXXX at XXXX College XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. I explained to XXXX that I never lived at XXXX College XXXX XXXX, XXXX XXXX, XXXX, NY XXXX and that in XXXX and prior, in live in XXXX, MD. I asked XXXX what information they had that linked this account to me, was there a date of birth or social security number? They stated that the only information they had linking the account to me was my name and that address. I explained again that i had never lived at the address and that address does not appear on my credit report. 

On XX/XX/XXXX, I sent XXXX a certified letter asking XXXX to provide evidence linking me directly to this collection account and validating this collection/debt. I specifically asked for personal identifiable information linking me to the collection account such as a social security account and/or a date of birth. I also asked for an itemized bill detailing the services that were provided that resulted in the {$330.00} in debt. In response to my request, I simply received an " Account Summary '' from XXXX showing charges in the amount of {$330.00}, charged to XXXX XXXX at XXXX College XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

I called XXXX to inquire about the account since the account number was on the bill XXXX sent me. XXXX stated they no longer had access to that information because Orion Portfolio Services. I then called Orion Portfolio Services and they refused to speak with me only referring me to XXXX. 

I then disputed the collection with the 3 credit collection agencies. Both XXXX and XXXX have removed the collection from my report but XXXX states that XXXX has verified the collection as accurate and refused to remove that collection from my report even though there is no personally identifiable evidence to link that collection account to me. XXXX states that they do not need personally identifiable information to link a collection to an individual, they only need the reporting company to confirm the information is accurate. 

On XX/XX/XXXX, I sent XXXX another registered letter asking again to provide evidence validating this debt/collection and asking them to remove this collection from my credit report. In response, on XX/XX/XXXX, XXXX sent my the same account summary of a XXXX bill but did not provide any evidence linking me to this account expect for my name, XXXX XXXX, on the account. 

I am simply requesting that XXXX look at the billing history of this account to determine who was paying the bill. 

I am requesting that XXXX remove this collection from my credit reports, specifically XXXX and provide me with evidence that this is my account. This collection is adversely affecting my credit.
Product: Credit card or prepaid card

I received XXXX debit cards issued by Square/XXXX.XXXX  XXXX XXXX did not request and I don't have an account with this company. Square was unwilling to help me prevent this fraudulent activity.
Product: Credit reporting

I have disputed multiple items with Experian. I monitor my credit XXXX and XXXX are both XXXX points higher than Experian. They have multiple Hard Inquires which I have disputed that remain. Some older than 2 years. They are not taking off. Chapter XXXX has been discharged paid in full still not reporting that.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a detailed explanation regarding the verification process conducted on the XXXX account appearing on my credit report. Upon reviewing my report, I noticed discrepancies in the account numbers being reported across different bureaus. Specifically, I have observed that the same XXXX account is being reported under XXXX different account numbers : XXXX This raises concerns regarding the accuracy and completeness of the information furnished. 

XXXX Acct # XXXX How was this information verified- this account reports XXXX different account numbers for each credit bureaus. YOU ALL HAVE NOT DONE YOUR DUE DILIGENCE IN CORRECTLY AND ACCURATELY REPORTING THIS ACCOUNT. Furthermore, I DO NOT HAVE A CONTRACT WITH THIS COMPANY! IMMEDIATELY DELETE THIS ACCOUNT FROM MY CREDIT REPORT. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), specifically : FCRA 609 ( a ) ( 1 ) I have the right to know the information in my file and how it was verified.

FCRA 611 ( a ) ( 1 ) ( A ) If I dispute the accuracy of an item, you are required to reinvestigate and verify the accuracy of the disputed item.

FCRA 623 ( a ) ( 3 ) Information providers must provide accurate and complete information.

FCRA 605B Inaccurate or fraudulent information must be corrected or removed.

Additionally, under the Consumer Financial Protection Bureau ( CFPB ) guidelines, credit reporting agencies are obligated to ensure that reported information is accurate, verifiable, and compliant with consumer protection standards. 
I hereby request : 1. A detailed breakdown of the steps taken to verify the accuracy of the XXXX account being reported.

2. The specific sources contacted to verify the account details.

3. Documentation or evidence used to confirm the accuracy of the reported account information.

4. A statement explaining why XXXX different account numbers are being reported for the same account. 

If the information can not be adequately verified per FCRA and CFPB regulations, I formally request that the inaccurate and unverifiable information be corrected or removed from my credit file immediately. 
Failure to provide this information within 30 days of receipt of this letter may constitute a violation of my rights under the FCRA and CFPB guidelines, and I will take the necessary steps to escalate this matter. 
Please respond in writing with the requested verification details at your earliest convenience. Thank you for your prompt attention to this matter. 

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

Larry H. Miller,XXXX XXXX XXXX XXXX, XXXX , AZ AUTO DEALERSHIP I had not even selected a car to purchase, it wasn't until I received letters stating reason for denial, ( I knew my credit was poor that's why I did not want the credit ran ). I was perhaps looking for a inexpensive car, certainly not a {$35000.00} car at my age.They Fraudently obtained my credit report for their own gain. I took this to US attorney office, they alerted AZ office. We have been working with this for almost a year with no progress all they do is a runaround. They claimed that I filled out a application on line. They could never produce the form. They want to go arbitration. What is to dispute? just produce the form and remove the credit inquires. 

To much of these identity problems are occurring to people especially seniors, Never thought that was a true statement, but since being a senior I see it more and more.I would appreciate any help you can give.
Product: Consumer Loan

My finance compny calls, e from multiple numbers at least 8 times per day. I have told them my situation and they threaten that the calls will not stop. I am only 30 days behind. They are rude and crass. They threaten me constantly with legal action after I tell them I do not have any money to make the payment. I then get several more calls on the same day even when I tell them when I will have a payment.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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. 


EQUIFAX 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: Debt collection

To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with National Credit Systems or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting

Experian Credit Agency has information listed on my report from XXXX WA XXXX ( XXXX ) XXXX I have never had an account with XXXX They have just updated information on my credit report XX/XX/2016 and they constantly update this information once a month causing me to have a unsatisfactory credit score and report. This item was not verified I asked Experian to send me the information verified within 15 days and they did not. According to FCRA I am entitled to receive verified information within 15 days of decision, I did not. I want this item removed immediately. And I want them to not be able to report false information to the credit bureaus whenever they please.