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

All XXXX credit reporting agencies have had continue to have incorrect information in EVERY aspect Of my credit report for over 20 YEARS. I had identity theft, another woman XXXX XXXX info on my report didnt even have same social. My past work is incorrect names addresses numbers more importantly missing age of credit, hard inquirer wont remove that arent mine hundreds of dark web inquiries, debts that were included in my bankruptcy still on my report and the bankruptcy should not be a problem any longer. Additionally cards and debts sold my info to 3rd parties which need to be removed as I am not responsible for those and have no agreement with them My life quality of life and unfair penalizing have been detrimental and I am so tired of spending year after year after year enough already WE THE PEOPLE ARE SUFFERING ENOUGH stop punishing me for your mistakes
Product: Credit card or prepaid card

I have a loan with SEARS/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and SEARS/CBNA with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part.
Product: Debt collection

I requested verification of debt from LVNV Funding LLC, however ; they did not provide it. They said the XXXX XXXX was XXXX XXXX. However ; they did not provide a signed signature of mine from XXXX XXXX showing the amount of this debt. I have made payments for this XXXX XXXX card over {$5000.00} and they have provided me with no receipt. No record of payments made to the credit, no records of missed payments. They are a scam and XXXX XXXX and XXXX refuses to remove this credit from my credit report and has provided no details as to why.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

Thank you for your attention to this matter. 

Sincerely,
Product: Debt collection

On XX/XX/XXXX I ended my lease with The XXXX XXXX XXXX per the agreement and vacated the property. In XXXX Delinquent Recovery Associates began contacting me regarding a false debt claim based around an incorrect vacated date of XX/XX/XXXX. 

After notifying via certified letter requesting proof validating this debt and that they cease all communications with me they have only continued harassing me and sending erroneous documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILES. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED. IF NOT I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING.
Product: Debt collection

i have not talk to XXXX/jd byrider in 7 to 8 years and they are lie to XXXX credit report saying i made a payment in XX/XX//2016 when i never pay them anything trying to stay on my credit longer and its wrong and bulling me to not be able to have a life
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$9700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

on XX/XX/2022 i sent over a letter to Source Receivables Management. they was saying i own them ( XXXX ). i haven't received anything back in writing. as of XX/XX/XXXX they put it on my credit.
Product: Mortgage

My current mortgage lender is Dovenmuehle Mortgage and for the past year I have an issue with them increasing my mortgage and my escrow being short. I have reached out to several customer service reps as well as management and could not get a clear understanding of what the issue was. Finally I spoke to someone and was told that my homeowners insurance had increase and I was not notified or aware. This occurred XXXX of XXXX, I then took the necessary action and changed insurance companies. At that point, I paid my homeowners insurance directly to XXXX so my homeowners insurance was paid for the rest of XXXX. In XXXX of XXXX, I received my mortgage statement and my mortgage had increased again. I contacted Dovenmuehle again and was told my escrow was short due to them paying my homeowners insurance and property taxes. I pay my mortgage every month on time and they hold my escrow out, so I don't understand why I was short. At that time nobody could tell me about the shortage. I spoke with a manager after I asked about the {$700.00} that was left in my escrow after taxes were paid and I was told then that they had paid my homeowners for XXXX, and at that time I explained what occurred in XXXX and that homeowners insurance was paid. The manager stated that an analysis was never done and that it would be corrected and they would make the necessary changes to escrow. In XXXX of XXXX, I learned that my homeowners insurance increased again causing my mortgage to increase again. I then took the necessary actions and got my insurance decreased. I sent all necessary documents to Dovemuehle to show the decrease in homeowners, I have also been in contact with XXXX who was my first original lender and they have also been working with me to this resolved. Dovenmuehle was sent and received the new updated homeowners amount on XX/XX/XXXX. I was then informed via email and verbally by representatives of Dovenmuehle that the insurance info would be update and corrected for XX/XX/XXXX. It is now XX/XX/XXXX and no changes to my mortgage has not been corrected. I've now talked to a rep in the insurance dept for Dovenmuehle, I've talked to a customer service rep and a manager and was told that the insurance information had been received but no analysis had been done and it should have been done in XXXX. I was guaranteed and assured that they would run the analysis and have the mortgage payments corrected and that all if any late payments would be waived. I was told the analysis would be done XX/XX/XXXX and I could make my mortgage after that date. I checked my statement online XX/XX/XXXX and the XXXX and there has still been no change. This company has been misleading and very unpleasant to deal with. I never am able to get a resolve and no clear information from this company. They never do their job in a timely manner and no one at the company ever seems to do their job and enter information. They don't seem to be working in my best interest and I'm requesting that CFPB please look into this matter as soon as possible. I accept whatever advice you have for me. I look forward to hearing from you in the near future.
Product: Credit reporting or other personal consumer reports

Ed-Financial has reported 5 of those federal student loans as being 90 and 120 days past due for XXXX and XXXX of 2018. There was ND ( no data ) for years and all of a sudden Ed-Financial started reporting late payments to my credit file. How can I be 90 and 120 days past due when all prior months before 2018 has a check mark? My student loans are now with another servicer. Ed- Financial has explicitly violated the FCRA with these inaccuracies and the processing department are not being truthful.
Product: Credit card

In XX/XX/2016, I initiated a balance transfer from my credit card with XXXX to a new credit card with Chase Slate. A balance appeared on the new account of about {$3000.00}, but did not disappear from my XXXX card. Ever since XX/XX/2016, I have been making payments on both credit cards AND accruing interest on my XXXX card despite contacting both companies to try and resolve the issue. 

In XX/XX/XXXX, XXXX claimed they never received payment from Chase Slate. Chase claimed they had made the payment, but that the account number they sent it to was incorrect ( a debit account instead of a credit card ) and had therefore been declined. So although my online account at Chase still showed a balance of ~ {$2000.00} ( I make a {$300.00} payment to the card monthly ), they claim that at that point I did not owe them any money. They also claim that at that point, they REFUNDED the original amount of {$3000.00} to my checking account at XXXX, however there is no record of that amount landing in any of my accounts on or around XX/XX/2016 ( which is when they claim it was sent ). It is unclear whether that {$3000.00} includes payments I made on the Chase card in the meantime, or not. Chase can not provide me with the account number that they DID send the money to, though as of today they have sent me a snail mail letter which they THINK might have the account number on it for my reference. 

Since XX/XX/2016, I have paid {$850.00} in minimum payments and interest to the XXXX card I intended to close, AND paid {$2700.00} ( {$300.00} every month for 9 months ) toward the Chase Slate card that I APPARENTLY DID N'T OWE ANY MONEY TO (??? ) although the balance still appears on my online Chase Slate account. 

I am officially baffled and I do n't know what to do next. All I want is to have the money I was n't supposed to owe be returned to me, and to close both credit cards ( which will require another balance transfer to a yet-to-be-determined third party ).
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$130000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00}
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$1400.00}
Product: Credit card or prepaid card

On XX/XX/XXXX the bank charged me {$26.00} just because the the monthly payment of {$3000.00} which I made from my other bank was posted onXX/XX/XXXX instead of XX/XX/XXXX.

XX/XX/XXXXbeing XXXX XXXX  and bank holiday caused a minor just 2 day delay. The 2 day interest on about {$3000.00} came to be {$26.00}. I tried to call the bank to explain them the situation but the representative/supervisor wouldn't listen to me and was very rude.

I think this amount of interest just for 2 days is not a fair business practice and not acceptable. It would have been okay if it was for whole month. I was hoping the bank tele-representative would understand that and give me a favorable resolution. He didn't. When I said that I would rather close the account as this is ridiculous, he didn't care.
Product: Money transfer, virtual currency, or money service

Im writing today because of my concerns with Zelles handling of disputes, especially because of the CFPB recent lawsuit regarding the platform/company. I have, multiple times, used Zelle with XXXX XXXX and have a hard time getting all my information from the site/company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

First Mortgage Corp submitted late payment to credit bureaus when I was advised ( by rep XXXX on XXXX/XXXX/15 ) no negative credit reporting would be submitted during transfer of my mortgage loan due to contradicting transaction with my first mortgage payment.
Product: Credit reporting or other personal consumer reports

I checked my credit report this afternoon and I'm still disappointed with the content because of the inaccurate accounts that I don't have any knowledge on KEEPS REPORTING ON MIY REPORT. Please kindly check the documents I've sent.
Product: Mortgage

I called Land Home Financial Services to enquire about my monthly payment statement and informed them that I haven't received a statement since XX/XX/XXXX. The Land Home Financial Services representative agreed and stated one will be mailed out today. I further stated that I have to call in and make my payments without the statement remittance and pay an additional fee. I explained that is putting additional stress on me and asked if the fee could be waived for XXXX payment as I paid a fee to pay XXXX payment. The representative stated I had a fee waived in XX/XX/XXXX therefore I had to pay the fee it couldn't be waived. I have written numerous complaints on them just trying to make payments and enjoy my home ownership. Land Home Financial Services have made that impossible and I feel is retaliating because of the complaints. I have anxiety attacks anytime I enter my house due to Land Home Financial Services constant harassment.
Product: Debt collection

XXXX collection companies claim that we owe them a small amount but will not provide supporting documentation. The name on the collection letter is similar to ours, but that name was actually used by someone infringing on our trademark several years ago. 
For the past 2 months, we have received collection letters from different agencies and same account number. I have requested supporting documentation ( email and written ) in both cases but have not received a reply.
Product: Credit reporting or other personal consumer reports

I am a victim of an XXXX data breech and my personal information has been effected, this includes my name, XXXX, and date of birth. Accounts were opened in my name by a theft and due to identity theft the listed accounts must be blocked according to 15 US 1681c-2 ( a ). Please confirm once these accounts have been removed and send written correspondence to my home adress listed. The accounts are as follows, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block from my credit report, these are a result of identity theft.
Product: Student loan

XX/XX/XXXX - I received a secure email from XXXX XXXX in response to a complaint I made to the XXXX. She provided the same information that was in my denial letters and stated I could reach out to her with any questions. 

XX/XX/XXXX - I called XXXX XXXX XXXX ( XXXX XXXX ) and discovered I could not reach her by extension, so I emailed her. 

XX/XX/XXXX - I emailed XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX requesting further explanation of denial and still have not heard back from her. I wanted a XXXX XXXX for my records. 

XX/XX/XXXX - Called Navient ( XXXX ) and after XXXX failed attempts I spoke with XXXX, a Navient rep. I explained to her that my XXXX XXXX XXXX was denied on XX/XX/XXXX using a generic explanation for the reason for denial and I was requesting more information. She informed me I could always submit more documentation for further review and I explained to her that I provided over XXXX pages front and back which should have been more than enough. She then put me on several more holds while she searched for further explanation and then came back on the line, read verbatim the reason for denial that was already on my denial letters, and stated that Navient is under no obligation to provide further explanations. 

I am requesting a new application for ScXXXX XXXX XXXX XXXX XXXX  was deemed a scam school in the Borrowers Defense lawsuit and I am post class. I have provided information backing that up and will be more than happy to provide more. I am XXXX yrs old and have been paying on my loans since XXXX. I originally took out {$120000.00} and now owe {$240000.00}. I have paid over {$120000.00} ( do not have the exact amount as XXXX years of payment are missing on Navient 's website for XXXX of my loans. I will never be rid of this debt from attending a scam school. 

I have attached a spreadsheet I created listing all my loans and payments made to each loan.
Product: Credit reporting

In XXXX XXXX I helped my niece, XXXX XXXX, open an account at XXXX. After more than 15 years doing business in good faith with XXXX XXXX, in the year XXXX, the lender decided to write off the amount of {$1800.00} that she owed and hang it on my records at Experian. That person is not dead. She owns a home XXXX and is my understanding that, at this time, XXXX. 
Do I have to accept, as a cosigner that I was in XXXX, a write off debt in my records, if that person is still alive and well, owns a home, have bank account and can be easily reached by the lender? What do I have to do to get that debt, that is no mine, out of my records? 
I demand from Experian, to take that bad deb information off from my records and be aware that the debtor is XXXX XXXX, not me. I did no spend no even XXXX from that account.
Product: Credit reporting or other personal consumer reports

I am writing this complaint with absolute certainty and extreme frustration. My credit report contains numerous errors that I can no longer ignore. These inaccuracies have severely impacted my life and credit score, preventing me from achieving financial freedom and stability. To make matters worse, some of these errors appear to be the result of fraudulent activity. I have never authorized or benefited from the accounts and transactions listed. This situation is unacceptable and deeply concerning.
Product: Credit card or prepaid card

I called Aspire credit card last month and told them that I am going through severe hardship. First I was affected by XXXX, and then my business is affected by the hurricane in Florida. They kept on charging me {$30.00} late fee and lots of interest. They charged {$37.00} just for interest in XXXX and they're charging this every month. I asked them to waive at least late fees but they're denying to waive the late fees. How can we pay such excessive interest fees and late fees? There's no way. I rather spend that money for food. I won't make them any payment till they waive all the late fees. XXXX XXXX XXXX  is ripping off the consumers with excessive fees. This should be illegal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$480.00} I called on XX/XX/XXXX XXXX XXXX XXXX and they told me that this account will be deleted. It's XX/XX/XXXX and it's passed 30 days and the account is still in there. They sent a letter also
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX 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. 


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