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

As I was looking at my credit report as I do very regularly and came across an account that showed up on my credit report on XXXX from XXXX XXXX without any prior knowledge, I received a letter dated XXXX from Messerli & Kramer PA stating that I need to send a letter if I wanted to dispute the validity of so called debt and required that I send in a response by XXXX. This account is illegally reporting on my credit report and in violation of my consumer laws, in many cases I have to right to seek litigation. It is illegal to report this account to the CRA if I provide such dispute before given deadline which was XXXX and an investigation must be completed. Here is the tracking number for the letter send certified mail : XXXX which was delivered on XX/XX/2023, XXXXXXXX XXXX 
I will also attach the letter sent to Messerli and Kramer below.

15 USC 1692 ( e ) and 15 USC 1692 ( f )
Product: Debt collection

I contracted with a company XXXX to remodel my master bathroom and kitchen with a complication date of XX/XX/XXXX. We paid a deposit. They removed the wrong bathroom, the master bathroom and kitchen. Left us with no water source. I applied for credit, they did not notify me they were charging the card - I thought I was applying for a card. They use another company called XXXX XXXX XXXX to put my credit through. They had access to my house for the remodel as I was out of town. I was in constant communication with the company although they did not return my phone calls, texts and emails. 
I sent a letter from my lawyer and I XX/XX/XXXX for breach of contact. They contacted me and said they would begin work. I left to go out of town again - when I arrived back home XXXX had stolen from my home, I filed a police report and the Police contact the owners. The worker that removed all the things from my homes said that XXXX XXXX the owner of XXXX XXXX XXXX and XXXX told him to do so. XX/XX/XXXX. XXXX I hired another company to do my kitchen remodel and provided the credit card company with the checks, bank statement showing paid. I refuse to be the victim of a lying contractor that says they completed the job when they did not. Synchrony Bank sided with vendor, even though they have no proof of delivery and I have proof of non delivery. I no longer reside at that address we sold the home in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax over 21 times and I realize they have had huge breaches of data as well needlessly to say. My credit has tons of double inquiries and the strange address of where I have never lived. I gave them sufficient evidence and contacted XXXX XXXX XXXX twice to their corporate headquarters to please remove their XXXX, then the XXXX and still no resolution.

Furthermore, regarding XXXX XXXX, their beyond repairing after thirty five years of doing business with. I paid with auto pay to XXXX insurance and the insurance company took too much out of my XXXX account after I canceled. They sent me a check for XXXX as well. They caused three over draft fees with my bank, but XXXX  waived all of them. I sent XXXX XXXX via certified mail sufficient evidence four times plus regular and they vehemently denied receiving it. I diligently called them as well which shows a strong commitment.

I am exhausted of hearing people from other countries not caring at all. It's obvious and then they transfer me to start all over again. XXXX XXXX does the exact same thing. I will file separately for this. My credit should be stellar. I have five inquiries for XXXX XXXX XXXX alone. Who the XXXX can't see that the picture is blurred. Enough with people who just don't care.

Lastly, I sent this XXXX XXXX   collection company the same documents and called but since I had to call the department of insurance over them raising my premiums constantly they retaliated against me. XXXX XXXX honest truth.

Look, I have no reason to lie, I am dealing with the same XXXX XXXX that XXXX XXXX had and I don't have the time to waste and XXXX people. My time is extremely of value. So, calling XXXX XXXX a hundred times really made me livid. I am following up with their headquarters as most importantly they blocked my online access.

I thank you very much, no really! I mean I thank you for extremely for existence and some justification, otherwise this stuff would never end! It's garbage.

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 EXPERIAN 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!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

PLEASE DELETE OR UPDATE LATE PAYMENT TO PAID ON TIME PURSUANT TO 15 USC 1666b- 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.

Paystub attached for proof of address at the bottom/ date at the bottom
Product: Credit reporting or other personal consumer reports

This inaccurate information is negatively affecting my credit score and does not accurately reflect my credit history. 

I request that you investigate this matter promptly. If the item can not be verified or is found to be inaccurate, I ask that it be corrected or removed from my credit report as required by the FCRA. 

Please provide written confirmation of your findings and any updates to my credit report as a result of this dispute.
Product: Mortgage

The lender has failed to respond to our QWR and notice of error - we believe the lender initiated foreclosure within the early intervention period in violation of Regulation X,  12 C.F.R. 1024.41 ( f ) . Your client failed to provide  XXXX   XXXX  with a  Post-Foreclosure Referral Not ice in violation o f 12 C.F  .R. 1024.39 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding putt my account in collection status as of XX/XX/XXXX. I did not open an account with Midland funding and nor do they have my consent to report anything on my credit or any public record. 

I had an account with XXXX, which I had to abandon because I had to leave the country to take care of my sick father. I tried to call from XXXX and make payments but my call was rerouted to different departments, with no one being able to collect my payment which was coming from a different country in a different currency. So the account was charged off. After returning back to USA after two years I was contacted by Midland stating you can start paying and paying XXXX account, without explaining that XXXX has already reported this account as charged off in XXXX and no matter what i do Midland can not remove that derogatory remark from my credit. 

When I got accustomed to credit reports and what it means and figured out that I am making payment to a company which is not even affiliated with XXXX, I explained the whole situation again to then and asked them for my original contract with XXXX to see where does it say that they can not accept payment from me unless I am in US. To that they said that they can not provide original contract to me. So I refused to make any further payments, as I never opened an account with Midland and the XXXX account has already been reported as Charge off, so what am I paying for at this point? Based on this conversation they reported my account as collections. 
How can one account be reported negatively twice on the credit report. I do not acknowledge Midland as the creditor, as I did not open or sell my account to them. I want the amount ( Approximately {$2000.00} ) I have paid till date back from them, as they cheated me with a false information and promise. Moreover they did more harm to my report by never reporting any payments I made till date, but instead reporting my account which has been previously charged off, in collections. How can a charge off account be in collections?
Product: Mortgage

I, XXXX XXXX am inquiring about my Bank of America Home equity line of Credit. My 2nd mortgage was discharged in a Chapter XXXX bankruptcy. I would like to know why my second mortgage was NOT forgiven in the National Mortgage Settlement Act. My first mortgage was modified under HAMP, and Bank of America never modified my second mortgage, which was to happen automatically or never forgave my 2nd mortage under National Mortgage Settlement Act. 
Please explain why nothing happened and I did not receive the assistance that was available. I would like this mortgage to be forgiven the way it should have been.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XX/XX/XXXX and TransUnion requests about this collection being reported to see if this is even an actual true debt I owe, neither TransUnion nor XX/XX/XXXXhave sent me aythig to substantiate this debt? How can they just make a claim suggesting that I owe a debt but not provide me any proof of this debt? If that is how credit reporting goes, then ANYONE can just send a bill, claim that you owe it and then damage your credit until you pay them? That sounds a lot like fraud to me and the rest of the world? XX/XX/XXXX has removed this account from my report because they were not able to substantiate this account, so I am curious how TransUnion is able to? Additionally, TransUnion is reporting the Date of Last Activity as of XX/XX/2020, making this account appear like a new account, by TWO YEARS! Isnt it a big violation to re-age an account? Isnt that a suable offense? Especially since I have already shown TransUnion their errors and they just updated it to make it a worse impact on my credit? It almost seems intentional. Again, tht seems fraudulent. Can you recommend how I go forward with litigation because this has been injuring my credit and stoppong me from being able to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my credit report, I see an account that is past 7 years reporting statute on my Experian credit report. The account is under XXXX XXXX XXXX ( Account # XXXX ) and only reporting inaccurately on Experian. Please delete this outdated account.
Product: Credit card or prepaid card

I have repeatedly file complaints with capital one over thier payment system. I have made several payments from the same account number now capital one is refusing to move late payments from my account after acknowledging that the payments were made and did not go through. For security reasons my bank will not provide account and routing numbers in a letter on their letter head which capital one is asking for. When trying to input my account number on several occasions the system kept saying invalid account number even though my account number is valid. Capital one acknowledges that I made the payment from the account that I always make it from but sometimes their system accepts it and sometimes it doesn't
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt does not belong to me. Its an ongoing issue with fraudulent accounts appearing in my credit report. First it was XXXX, however now its trans-union. This account is from XXXX XXXX. I have intentionally refrained from using credit as I am a XXXX  veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen a while back and I was a victim of ID Theft. I submitted the required documentation according to the FCRA section 605B. However, the credit reporting agencies failed to block the fraudulent accounts and treated my block request as if it were a dispute. It's not a dispute, it's a block request.
Product: Credit card or prepaid card

All contact listed below was done via phone ( customer service ) XXXX. 
This charge is billed to my account either by fraud or error. 
{$50.00} is now on my account. I state that this charge is not valid and ask how charges can be made on an account that card was shut-off? I get no answer to this, but am I told that Capital one will review this charge. I receive a form letter on XX/XX/XXXX dated XX/XX/XXXX that case XXXX has been reviewed and that insufficient evidence of fraud is present on this change and I am responsible for the {$50.00}. I call once again on XX/XX/XXXX and explain to XXXX ( the person that I am speaking to on this call ) that I have made no purchases with I contacted your company ( Spoke to XXXX ) on XX/XX/XXXX about this account and an XXXX in the amount of {$320.00}. 
I asked that the card be shut-off so no charges could be made on it and after review was complete to have the account closed I was transferred to the disputed department and I spoke to XXXX who started investigation ( case # XXXX ). I was told that someone would call me back to confirm that account was closed and they would review the {$320.00} charge and notice would be emailed or mailed to me. On XX/XX/XXXX I receive another statement with now a zero balance but no information about closing account. I called on XX/XX/XXXX spoke to XXXX and she tells me that account is still open and a charge on this card in XXXX, the last charge was for NY XXXX pass on the last day of the year in XX/XX/XXXX. I was then transferred to XXXX to have this account closed and asked that all material related to this charge sent to me with confirmation that account is closed. 
As of todays date all I have received is current statement. 
I want to see details of shipping and invoice for items related to case ending in XXXX. 
This charge to my account is an error and I want this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

DO NOT DISMISS AS A DUPLICATE! 

The original servicer was XXXX XXXXXXXX XXXX in XX/XX/XXXX. 90 days later it became delinquent as they don't report until 90days. 
It was transferred to the Department of Education XXXX XXXX XXXX in XX/XX/XXXX. 
First complaint is that it was one disbursement not two and should not have been divided. 
The second complaint is they are reporting the first delinquency inaccurately. The clock does not reset when an account is transferred. The original delinquency date should be XX/XX/XXXX. 

A SIMPLE REQUEST FOR LOAN HISTORY SHOULD BE CLEAR
Product: Checking or savings account

I had some transactions on my joint account that were not mine and my husband said it wasn't his either so I called the card services number on my debit card through my checking account with umb. fraud management placed some sort of freeze on my account so neither mine nor my husband 's debit cards worked. it also made my online account messed up so I couldn't see how much money I had in the bank so I went down to my local branch and asked the person working how much money I had in there. he said XXXX so I asked to get XXXX out so I could go pay bills. I had to do the same XXXX days later. my husband and I both had direct deposits coming in so I wasn't sure how much they were for. a week later I got something in the mail saying I was XXXX in the negative. they said the money they had been giving me wasn't mine. but how was I supposed to know that. that is why I went to the bank to ask what was in there. when the employee looked up my account thats how much was in there according to they're screens. now they are trying to make me pay it back.
Product: Debt collection

on XXXX XXXX this company EOS CCA Opened a collection. 
XXXXXXXX XXXX that I own I have never signed any written documents saying that i own this debt to the collector. 

They are violating my right of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end Also, they not verified that I own this to alleged company. 

Please have this removed from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the accounts listed below violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, and Account # XXXX XXXX XXXX  XXXX XXXX, have violated my rights. 

15 U.S.C 1681 section A states I have the 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure of the exact dates. But within the last 7 months ive submitted letters to to XXXX, Experian and XXXX to have them remove a lot of credit inquiries from my credit report.. the only response i get from lall three bureaus is that all the inquiries are validated.. validated how? Ive never gotten a detailed examination of each bureaus imvestigation. The majority of my inquiries are unauthorized. Ive also called all three bureaus and they are no help.. Im tired of my inquiries stopping me from getting approved for anything. I work hard everyday and cant get what i want because of the shady nature of the credit bureaus refusing to acknowledge legitimate credit inquiry removal letters.
Product: Credit reporting or other personal consumer reports

These following accounts has been officially discharged under 11 U.S.C. 727, which protects me from any further obligations regarding this debts. As a result, all related accounts must be updated to reflect a Balance of XXXX, Account History of None, and Showing Status of " Discharged in bankruptcy '' should be reported to credit agencies. It is critical that these updates are made to ensure compliance with the Bankruptcy Discharge law. The fact the accounts show a numeric ( due balance ) history could be interpreted as debt owed by consumer, for which I'm protected against. Please Update. 

Any institution that fails to adhere to these regulations will be subject to legal action. This applies to all creditors involved in this matter as well as to any credit reporting agencies that inaccurately report information contrary to the discharge. I expect this situation to be rectified promptly to avoid any further complications. 

Accounts : XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX  ACCOUNT NUMBER : XXXX