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

Long story short was a co-signer on a car for my soon to be ex husband ( listed as or on registration ). Nasty divorce. He would stop paying I would have to pay for it any time before it got to the 30 days so as to not affect my credit. Well I finally found the car in XXXX using a private investigator towed it and sold it to a private seller paying the Balance and the check clearing on XX/XX/XXXX the due date. I was ecstatic finally I could stop stressing my credit! Then it showed up on my credit report as XXXX payment being late. I sent a letter to XXXX in early XXXX to dispute it. It was denied. I had them send me the payment records which show that XXXX was made on time. I filed with XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX got denied. Reached out to XXXX chat feature where the XXXX rep actually agreed that XXXX was made on time and had to send it to a manager to escalate the manager XXXX called me. He too agreed that XXXX payment was made on time however he explained ( and their calls are monitored I hope ) that because I had made the payment before it got to 30 days each month that XXXX could never report it as being late because I made the payment but with final payoffs they are allowed to bring the account current ( that didnt make sense to me but whatever ). He went to Looking through the records and said something about a payment in XXXX being late. I said thats fine but can you please update my credit report. Because although my husband hasnt shown up to any court dates he could potentially show up at one and use the credit report as proof that I claim to be so worried about my credit yet the ONE MONTH when I towed the car from him to sell it is the month that was +30 days over. I just want whatever the late month is if there is even one to be shown. He told me my credit report should be showing the correct month and if I felt it was incorrect to email him and he would look. He was very rude. I hope you can listen to the call. I emailed him on XX/XX/XXXX and heard nothing back so emailed on XX/XX/XXXX and still nothing so on XX/XX/XXXX I filed with XXXX  again and they still did not update. So I came to the CFPB and finally XXXX  has removed it from showing as late ( attached is a screenshot of their response ). They must have finally had an actual human look at the documents. As even the payment history being supplied by XXXX shows the account being PAID IN FULL CLOSED in XX/XX/XXXX. 

After XXXX  updated theirs I filed with XXXX  and Equifax both on XX/XX/XXXX thinking it would be a breeze as I could show my payment history and proof that XXXX  had updated it. No such luck, both companies came back and did not make any changes. So just going through the motions again by filing this with XXXX  and Equifax and hopefully they too will have an actual human look at my documents instead of whatever is going on at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX MD, XXXX ACCOUNT ( S ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD Date of Birth : XX/XX/1986 SS # : XXXX To Whom It May Concern : I am a recent victim of Identity theft and fraud. I have recently reviewed an extensive copy of my credit report included dark web alert ( with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXX XXXX and it needs to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. HIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account :, XXXX XXXX Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigate on my credit report and found several items on there to be inaccurate. 
Under 15 U.S code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall reasonable produces to assure the maximum possibly accuracy of the information concerning the individual about whom the report relates. 
XXXX remove the following items from my credit report immediately. 
XXXX XXXX XXXX XXXX Hard Inqury : XXXX XXXX XXXX
Product: Checking or savings account

Chase bank branch XXXX XXXX XXXX XXXX, XXXX, Wa. XXXX. My wife and I have had a safe deposit box at this branch for over 5 years with no problems. A recent letter from Chase stated there was an ownership problem. It turns out the bank lost the signature cards for two cosigners ( our sons ) and needs them to show up in person to redo the signature cards. One of the cosigners lives XXXX miles away and had to be brought up initially to personally sign his signature card. Now the bank expects us to bear the expense of bringing him back to undo their error. I have been to the bank branch and called their customer service and each says they can do nothing to resolve the problem.
Product: Credit card

XXXX received a call from AmericanExpress, it was during a meeting but next day I missed another call. on XXXX I called AmericanExpress, after 20 minutes I learned that a previous issue where I had accidentally paid closed corporate Amex account rather than personal account which I thought had resolved had created a new problem - and now I had a debit on my closed corporate account. I was told to reach out to my expense department. They confirmed they had not received any funds from the Amex " overpayment. '' I continued to receive daily calls from Amex asking when I was going to pay my balance ( which was now overdue as I had not received a notification of the issue until the balance was past due ). Each time I speak with them I have to retell the whole story as apparently they never check the notes ( or no notes are taken, as they tell me they are recording the details ). On XXXX, I reached a " XXXX '' and he said that he had figured out the issue and that it would take about a week for the transaction to take place and the issue to be resolved. When I received the daily collections call they had not knowledge that the issue was a Amex error ( when I had made the erroneous payment in XXXX, they transferred funds to my personal account twice ). I continue to call, and am promised that they will fix the issue, and that the late payment fee will be removed. My last call to Amex was on XXXX, where I was told it would just be another day. The collections caller tells me then that I should just pay the balance, but then there will be a credit on my account, and that will be yet another issue. Today I received yet another call from them, so the issue has not yet been fixed. Tomorrow is the day in which I will be charged yet another late fee ( last week I inquired about this and was told by the customer service agent that it was ok and that all late charges will be rescinded ). I want this problem gone. It has been almost a month since I learned about it, and every time I am on the phone with someone we have to repeat the whole story and it is a 20-30 minute phone call. While I admit that what started the whole issue was an error on my part, in XXXX, this last issue was an Amex error.
Product: Payday loan, title loan, personal loan, or advance loan

I was a returning customer so I decided to take out a new loan they wont even allow my application to go further, just denied immediately
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Personal and Account Information Violation of 15 U.S.C. 1681e ( b ) & Metro 2 Compliance Complainant : Full Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX, LA XXXX Nature of the Complaint I am submitting this complaint to dispute inaccurate and outdated personal and account information that has been reported to the consumer reporting agencies ( CRAs ), in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), and the Metro 2 Compliance Guidelines.

The consumer reporting agencies have a legal duty to ensure maximum possible accuracy in consumer reports. However, I have identified multiple inaccuracies in my personal information and payment history that require immediate correction. 

Disputed Information XXXX. Incorrect Personal Information The following outdated or incorrect personal data is still reflected on my report and must be removed immediately : Incorrect Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Incorrect Name Variations : XXXX XXXX XXXX XXXX XXXX Correction Request : My correct legal name is : XXXX XXXX XXXX XXXX. 
My correct address is : XXXX XXXX XXXX, XXXX, LA XXXX Any outdated addresses or incorrect name variations should be immediately removed per 15 U.S.C. 1681e ( b ). 

XXXX. Inaccurate Account Reporting Violation of 15 U.S.C. 1681e ( b ) Account : XXXX XXXX XXXX ( Account No. XXXXXXXX XXXX XXXX  Disputed Late Payments : XX/XX/XXXX : 120 Days Late ( Incorrect ) XXXX, XXXX, and XX/XX/XXXX : XXXX, XXXX, and XXXX Days Late ( Incorrect ) Issue : These late payments are inaccurate and should not appear on my report. 
Correction Request : Remove these late payments immediately and update my account to reflect timely payments in compliance with the law. 

Account : XXXX  XXXX XXXX ( Account XXXX. XXXX ) ** Disputed Late Payment : XX/XX/XXXX : Reported as 30 Days Late ( Incorrect ) Issue : I have always made timely payments, and this incorrect reporting is negatively impacting my creditworthiness. 
Correction Request : Remove this erroneous late payment immediately. 

Legal Basis for My Complaint XXXX. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy The CRAs are failing to maintain accurate data, which has led to false reporting on my credit file. This violates my rights under the FCRA. 
XXXX. 15 U.S.C. 1681i Failure to Conduct a Reasonable Investigation I have disputed these errors before, but no proper investigation has been conducted, nor have I been provided with verification documents proving the accuracy of the reported data. 
XXXX. Metro 2 Compliance Consumer Reporting Agencies are required to follow Metro 2 reporting standards, ensuring data integrity and consistency. The continued reporting of incorrect addresses, name variations, and late payments suggests non-compliance with these industry guidelines.
Product: Debt collection

Called my Human resources dept on XX/XX/XXXX, told them I needed to contact them and needed to serve me paperwork at work. My HR rep told them they are not allowed to serve me paperwork at my place of employment. I then called the number back and they told me, XXXX XXXX was name of person, that she was a Law firm, garnishing my wages and faxing paperwork to my employer to do so,. They said it was a " charged off " debt from XX/XX/XXXX with Continental Finance. I asked for their address of business, she refused, said she had to protect their employees, I asked for a copy of the paperwork she was referring to or a copy of the debt, she refused. She then began screaming at me, tells me she could force me to sell my house for the debt and I would loose my house. She said if I called her back she would sue me for harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is a scammer company that will charge from your credit cards without any permission from you. I paid {$4.00} one time fee to dispute some credit report errors without signed up for any free trials or wish to become a paid membership, then I got charged {$14.00} on my credit card for the paid membership monthly fee that I didnt sign up for. This is a straight up robbery!
Product: Debt collection

This is a debt from a checking account they claim was overdrawn when I chose to leave Wells Fargo. This is a debt from XX/XX/XXXX. It was charged off in XXXX. 

FAR BEYOND THE STATUTE OF LIMITATIONS IN CALIFORNIA AND THE FEDERAL LAW. 

The collection agency indicated they have been attempting to collect for over 15 years but I never received notifications or telephone calls. I informed them that I moved from California over a year ago so any recent collection efforts would have been missed. 

They recently reached out to a relative with whom I had legally sought to protect myself from ( why I left California ). The communication with the collation agency encouraged the relative to locate me to deliver the message from the collection agency. 

All over a minimal collection amount : Original debt {$1400.00} Proposed payment {$2900.00}
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. the items i deleted are listed in the report I am a victim of identity theft I didnt made the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

I have reached out to this company and I have not received any information on this inaccurate account reporting on my consumer file. SEE ATTACHMENTS
Product: Debt collection

I WAS IN A CAR WRECK ; THE BILL WAS PAID IN FULL. i HAD A LAWYER THAT SENT THE MONEY AOUTOMATIC. AFTER CASE WAS SETTLED. HE HAS THE ACCOUNT INFORMACTION. I HAVE TRIED THROUGH THE CREDIT BURUEAS, ALL THREE OF THEM i LEFT PHONE NUMBER TO CONTACT THE LAWYER AND THE COLLECTION IS STILL ON MY ACCOUNT. THANK YOU.
Product: Credit reporting or other personal consumer reports

My rights have been violated as I did not provide written permission to the creditor to include any information on my credit profile, in accordance with 15 USC 1681b2. Furthermore, their actions appear to constitute Aggravated Identity Theft under 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used my means of identification without lawful authority, which is a felony punishable by up to 2 years of imprisonment, in addition to potential civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX on XX/XX/2021 to dispute the duplication of all my student loans. The problem is my student loans were all consolidated a year ago, I tried to explain to XXXX  on four other occasions that all of the individual tradelines for XXXX, US DEPT, XXXX, have all been consolidated into the one loan now. The consolidated loan is also being reported as well. DEPT of ED/XXXX is the new loan 's trade line entry. All my loans are duplicated and they should not be.
Product: Credit reporting or other personal consumer reports

Hello.. My car note is with vystar credit union XXXX In XXXX of 2022 I had a child with a severe XXXX. Up until that point Ive paid my car note on time. We had no idea that for 7 months we would be in icu 5 states away from my baby. During that time I really couldnt work. So if course bills fell to the side because of course my savings ran out. During this time I called vystar on numerous occasions. Not one time did they tell me that my car note couldve been deferred for 3 months. They knew my situation and yet none of the representatives on the phone really helped me. They allowed it to be deferred once but not three! Now Im sitting here with all these late payments hitting my credit.

I dont think its fair because I feel like they didnt fully help me When they couldve. Deferring my car note for 3 months wouldve helped me tremendously. Especially towards the end of his hospital stay. 

I would greatly appreciate if they could remove the last 3 months late reportings on my credit. For all three bureaus. 

IM now home with my son and back to work so Im able to pay on time. But because we are moving to a new state having those late payments hurts my credit. I need to move him closer to his specialist. In the future he will need a lot of surgeries so it make sense to move. 

Removing those late payments will help make this transition a little easier to get approved for housing. 

I do have supporting documentation of my sons XXXX and documented hospital stay available upon request. 

Thank you so much for your time.
Product: Credit reporting or other personal consumer reports

The United States Bankruptcy Court does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records. The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. - This public record reporting is a complete violation of my rights as a consumer and FCRA laws Your actions are in violation of FCRA Laws and CDIA Standards. I insist that you remove this erroneous information.
Product: Credit reporting or other personal consumer reports

I contacted lvn funding and told them XXXX a victim of Id theft and I never did business with lvn funding I do not have a account with XXXX XXXX XXXX XXXX and I do not give them permission to report fraudulent accounts on my credit report The company told me that they will continue to report fraudulent charges on my credit report Regardless if I never signed no contract that makes me obligated to lvn funding or XXXX XXXX XXXX XXXX  My information was stolen and being pass around with 0 consequence
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife XXXX XXXX XXXX and I entered a settlement agreement with XXXX XXXX to pay a settlement of {$1500.00} for deletion. We made a payment in XX/XX/2020 of {$500.00} and completed the payment with a payment of {$1000.00} on XX/XX/2020 and received the deletion letter and payment receipt. The credit bureau has removed it from my wife 's credit profile but it still remains on my credit profile although it has exceeded the 30 day limit now approaching 60 days with no deletion. This is clearly a violation of my FCRA and FDCPA rights with their refusal to remove this derogatory joint debt. We have contacted the credit bureau multiple times and no action has been taken.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title Vi, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Debt collection

Professional Debt Mediation - Refuses to provide payment history/receipts and also refuses to provide a written payment arrangement agreement
Product: Debt collection

On XX/XX/2021 I called XXXX & XXXX XXXX, my mother in law received a call stating that they were looking for me and wanted to settle a debt before proceeding with a lawsuit against me, this is was News to me has I had not received any correspondence or phone calls. I immediately called the number and spoke with a young man who was very polite and helpful, I told him I would call him back after I had looked as some options and spoken with someone with a little more expertise, I called back after weighing some options and asked to speak to the previous young man but was sent instead to his manager XXXX XXXX, at first he seemed nice enough to conversarte with, but when I asked for more time to understand what was happening, he became belligerent and condescending, I was trying to explain to him that I had not received any written documentation of what I was being charged for, but speaking with him became very difficult because of his constant interruptions and continued escalations, I requested to speak to a manager at which point he stated that he was as far as I could because his boss didnt deal with someone like me, Essentially being condescending, he then hung up but not before stating that hed see me in court. I called back immediately and asked to speak to anyone but him, I was then transferred back to the original person I had spoken to and was able to resolve the account in a Better way
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested and received copies of my credit report from XXXX, Experian and XXXX. I identified multiple violations on all 3 credit reports. All three CRA 's mentioned above report that my DPT ED/XXXX  accounts are 90 days late when there is not a prior 30 or 60 days late. On XX/XX/2020 I mailed all 3 CRA 's letters explaining the violations, and requested removal of all the DPT ED/XXXX  accounts that showed 90 days late without being late 30 or 60 days prior. After 45 business days I again contacted all 3 CRA 's mentioned above, and demanded removal of all DPT ED/XXXX  accounts that report 90 days late when there are no 30 or 60 days late prior, because XXXX, Experian and XXXX  did not respond to my disputes in a lawful time frame. I have attached copies of the actual disputes that I sent to XXXX, XXXX  and Experian. I have attached copies of the actual disputes that I sent to Experian. Attachments include account names, account numbers and violations.