23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging the validity of bankruptcies being reported on my credit report to all three bureaus. It is to my knowledge I did not authorize any information to be released for any purposes and I would like full documentation and verification that these bankruptcies belong to me as I have gone to the court, and they informed that no such information is released. Furthermore, there is freezes on my account.
Product: Debt collection

I am write for XXXX XXXX XXXX XXXX XXXX us sue him a cop delivered him civil used papers. To collect a debet he does n't have no money at all. We all ready talk to them they said send it to credit bureau ....
Product: Credit card

I've always ensured that payments on this account are made promptly, never allowing them to become overdue. I'm unsure about the reasons for reports of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that XXXX XXXX supplied to XXXX, Equifax, and XXXX. 

This item in question is a XXXX XXXX account that was opened XX/XX/2017 with a credit limit of {$1300.00} is inaccurate because it was reported late and charged off. I have proof of the payments made in the months in question. I am requesting that XXXX XXXX have the items removed and adjusted. I was about to get copies of my past banking statement from months in question, showing the payments were made on this account to XXXX XXXX. Payments are highlighted on my statements. 

Enclosed are copies of banking statement supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete and correct the disputed items as soon as possible. 

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

Subject : Formal Dispute and Demand for Removal of Fraudulent/Inaccurate Information Due to Data Breach To Whom It May Concern : I am writing to formally dispute all information on my credit report ( report number : [ insert report number, if available ] ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and to request the immediate removal of fraudulent or inaccurate data resulting from a confirmed data breach. My personal information, including Social Security number, financial accounts, and other sensitive data, was exposed in a breach of XXXX, XXXX, Equifax, Transunion, XXXX, XXXX  XXXX XXXX and and XXXX XXXX XXXX XXXX This breach has placed me at significant risk of identity theft and financial harm. Under FCRA 605B, you are required to block the reporting of any information identified as resulting from identity theft upon receipt of valid documentation. Additionally, FCRA 611 grants me the right to dispute inaccurate or unverifiable information. All data on my report must be investigated, as the breach compromises the reliability of any information tied to my identity. I demand the following actions : Remove or block all fraudulent, inaccurate, or unverifiable information from my credit report resulting from the breach. Notify all relevant furnishers ( e.g., lenders, creditors ) of the disputed items, as required by FCRA 623. Provide me with a revised copy of my credit report and confirmation of corrections. Place a free extended fraud alert on my file for seven years under the FCRA and the Fair and Accurate Credit Transactions ( FACT ) Act. Enclosed Documentation ( Certified Copies Do Not Return ) : Copy of my government-issued ID. Proof of the data breach Failure to comply with FCRA obligations may result in legal action, including claims for damages under 1681n. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and [ State Attorney Generals Office ]. Please confirm receipt of this dispute in writing within 5 business days and complete your investigation within 30 days, as required by law. For urgent resolution, I also request a security freeze on my credit file under the FACT Act to prevent unauthorized access. Sincerely, CC : Consumer Financial Protection Bureau ( CFPB ) | Federal Trade Commission ( FTC ) | [ State Attorney General, if applicable ]
Product: Payday loan, title loan, or personal loan

Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : FIG LOANS INC - XXXX XXXX {$350.00} I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Product: Mortgage

M & T Bank charged me multiple NSF fees stating that I did not have sufficient funds when I had more than enough funds in the account as well as overdraft protection and an overdraft account if that were ever to be an issue. M & T also states that they stopped charging NSF fees which is false as I have many statements showing this fee and was charged as such when there was sufficient funds in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found several errors and violates on my credit report. My consumer rights are being violated according to various consumer laws. I have filed a ftc report previously and 5 accounts have reappeared. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) the credit reporting agencies can not reinsert items.

There I no permissible purpose for the furnishing of these accounts 15 USC 1681b ( a ) ( 2 ). Also according to 15 USC 1681 a ( 3 ) Identity theft is fraud committed using identifying information of another person. According to the FCRA definition these accounts are definitely identity theft
Product: Credit card

I have three complaints with American Express. Their Customer Service Department failed to ( 1 ) eliminate a {$29.00} Late Fee, ( 2 ) reverse {$6.00} in Interest charges, and ( 3 ) was either unable or unwilling to inform me whether any Delta Miles were added to my account from my XX/XX/ use of the American Express charges for the multiple services I used the credit card as payment for in the billing cycle ended XX/XX/. I paid American Express {$1300.00} on XX/XX/ which was indicated as being posted onXX/XX/XXXXon my next statement, as payment in full for the {$1300.00} balance on my XXXX XXXX statement. I have never been late with any previous payments, always paying my bill " In Full '' each month. 
Their XXXX statement for the following month showed my payment received, but charged me the above fees and indicated I would have to pay {$35.00} to reinstate my " earned '' mileage. This XXXX statement, which indicated an XXXX XXXX close date, was not sent to me. American Express emailed me on XXXX XXXX that the statement was available for me to LogIn to review.
Product: Checking or savings account

I opened an account and they closed my account within 7 days without sending me a email and letting know why was my account closed or before they was closing my account never let me know ahead of time
Product: Debt collection

2 year service began XX/XX/XXXX Canceled XXXX XXXX XXXX XXXXXXXX Final month bill {$91.00} paid XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to return modem w/b sent XX/XX/XXXX ; received XX/XX/XXXX ; must be sent back within 30 days. 
XX/XX/XXXX Box w/modem-cords returned via XXXX drop off @ XXXX as directed. 

Beginning in May began receiving bill for more than twice my regular monthly bill ( {$210.00} ) with no explanation of what the amount represents from XXXX XXXX. 

Beginning in XXXX began receiving bill for more than twice my regular monthly bill ( {$210.00} ) with no explanation of what the amount represents from XXXX, XXXX XXXX XXXX ( debt collectors ). 

XX/XX/XXXX checked FICO score ; drop from XXXX to XXXX due to recent derogatory public record or collection filed
Product: Credit reporting or other personal consumer reports

I check my credit report and found incorrect personal and credit information please help me to remove/update my credit and personal information. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently there are no open disputes with TransUnion that prevents me from accessing my credit report online. 
However, I am required to call or mail a request to view my report. 
This is in violation of their policies that require them to enable online access to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XX/XX/XXXXto   XX/XX/XXXXwhich are incorrect.
Product: Student loan

According to info I were told Aidadvantage processing our payment incorrectly and misleading students. Currently in a lawsuit now. 
XXXX
Product: Credit card

In reference to ID # XXXX the response was insufficient to the previous claim and charges. 15 U.S. Code 1611- Criminal liability for willful and knowing violation ; As the real beneficial owner of the account that Barclays has been fraudulently claiming the credit from the DTC. I requested my initial credit application be rescinded and all Securities Collateral. 
Per public law HJR-192 and Title 31 of the United States Code Section 5118 ( d ) ( 2 ), and the Fair Debt Practices Act, aka, Consumer Protection Act at 15 U.S. Code 1601 and 1693 from demanding payment in any specific coin or currency of the United States is against public policy. You at Barclays have failed to perform your duty as fiduciary trustee of the account.

The debt in request is a financial asset per Barclays 4249b ) ( 5 ), as the issuer you were obligated to pay the interest on the debt securities, which you send as a billing statement each month. I am the investor/lender, per 12 U.S. Code 1431 - Powers and duties of banks, ( a ) Borrowing money ; issuing bonds and debentures. Barclays did not lend me anything and should be paying me as the investor instead using it as receivables and financial asset to the benefit of the bank.

Failure to rectify this situation compel a complaint with the Securities and Exchange Commission ( SEC ), asserting non-compliance and potential SECURITIES FRAUD and the IRS Criminal Investigation Division ( 3949-A ) for an audit of the off ledger accounting for possible tax evasion.
Product: Mortgage

We have had two act of god disasters in XXXX, one in XXXX with tornadoes and storms that took out power and caused damage to homes. Second one just happened with Hurricane Beryl where we lost power and cell phone outages for at least 10 days. One of our mortgage payments was late just by a few days over the 30 days and Freedom Mortgage reported this to credit rating companies. During this time we weere also delayed coming back to XXXX from XXXX as our flights were diverted to XXXX where we spent 2 days. All of this caused delays and we were unable to get on teh internet to make any of our payments. All of our seervice providers understood this situation and gave us more time to make payments, except Freedom Mortgage. I woukld liek Freedom Mortagage to have empithy on folks who have just gone through a disaster with loses and remove this reporting from credit bureaus. 

You will see from attached documents that as soon as power and internet was restored i made sure teh account was briought up to date with 2 payments immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 those account 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. 


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

I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

This company has been reporting wrong information. 

My demand is TO GET THE 2 ITEMS REMOVED FROM ALL 3 CREDIT BUREAUS, and is based on many damages and several violations that they have committed : 1. Excessive phone calls. 
3. Falsification of account info and charges, 4. Violations of XXXX. 
5. Violations misrepresentation of facts, 6. Missing date of last activity. 

Accounts : Account number 1 : Account Name : ENHANCED RECOVERY CO L. 
Account # XXXX, Date Opened : XX/XX/XXXX. 

Account number 2 : Account Name : ENHANCED RECOVERY CO L. 
Account # XXXX Date Opened : XX/XX/XXXX I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Please sed the attached documentation to this company. 

Thank you.
Product: Checking or savings account

My checking account with navy federal was overdrawn for a week and I had money deposited to my savings account to send to my sister so I could use her card to pay my rent. There were XXXX transactions, the first deposited and I was able to send it to my sister but the second was taken to pay the overdraft. Even though I was planning to pay the overdraft within the timeframe of the account closing I needed to pay my rent. I am aware that I needed to pay the overdraft so I called the payment XXXX and loan department but they both gave me the run around until I spoke with their supervisors who also told me theres nothing they can do to help me. I was even denied 3 times for the oops program before this happened. I have no other options for help which is why Im complaining about navy federal taking funds I didnt even know would be taken automatically after a previous deposit wasnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am demanding the following account to be deleted from my consumer report due to inaccurate reporting which has cause damage to my credit score the date opened the date last active does not match and that's a violation of the fair credit reporting act 15 usc 1681s-2 ( a ) ( 1 ) ( A ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me with removing the fraudulent accounts from my credit reports. I am a victim of the XXXX data breach and was paid because my information was used.
Product: Debt collection

This is the 4th attempt to prove again, that this charge from XXXX XXXX is not mine! Every 6 months or so, we receive a notice from another credit agency stating we owe this same amount. We've filed 3 complaints and each time the company agrees it is NOT our debt. IC lists account XXXX and ACCT XXXX {$2800.00}. We've even completed a fraud packet through XXXX XXXX XXXX, but it doesn't stop this nonsense. Called IC spoke to XXXX XXXX, clearly was reading a script. Told me I would have to send the actual police report not just a case #. 

Not sure how they can continue to sell, transfer or whatever happens to send debt that is clearly NOT mine again and again. We've done all the correct steps.
Product: Credit reporting or other personal consumer reports

have contacted all companies : XXXX, TransUnion, and XXXX, and expressed my request for them to remove the inquiries. However, I was informed that they would do so, but they never have. They furnished my consumer reports to different companies without a permissible purpose, as per 15 USC 1681b ( 2 ), or knowingly without a legitimate business reason pursuant to 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ). The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ), for unlawfully furnishing my consumer report on different dates without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless : The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). I have been added in several data breaches : Data breaches : Review the data potentially exposed in XXXX breaches : XXXX XXXX XXXX XXXX Subscriber Data Reported XX/XX/XXXX XXXX Pulse Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Email List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit account from XXXX  XXXX XXXX has been added to my credit, it does not belong to me. 
There have also been several credit inquiries that I have not made. 
I believe the person whos account is lowering my score has the same name as me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights : 1. XXXX XXXX XXXX *Account # XXXX 2. XXXX XXXX *Account # XXXX 3. XXXX XXXX *Account # XXXX 4. XXXX XXXX XXXX *Account # XXXX 5. XXXX XXXX *Account # XXXX 6. XXXX XXXX *Account # XXXX 7. XXXX XXXX *Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions