23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hey, I was really shocked when I last reviewed my credit report and found a new late payment on the dates below : XX/XX/2020 for 30 days late with the account status of Late 30 Days. 

I am not sure how this happened, despite the pandemic, I did my best to pay all my bills on time. I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXXXXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXXXXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXXXXXX XXXX XXXXXXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXXXXXX XXXX XXXXXXXX 's business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers like myself to pay extra fees for debts that they allegedly owe.
Product: Debt collection

XXXX XXXXXXXX XXXX2023 
Amount XXXX 
They put on my report that derogatory account 

XXXX XXXX XXXX 
XXXX-2023
Amount XXXX  They put on my report that derogatory account 
I would want disputed cause I didnt get no notice or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of purchasing a house so I had my credit report pulled on XX/XX/XXXX and there's an outstanding loan with XXXX XXXX dated on XX/XX/XXXX in the amount of {$690.00}. I submitted a dispute through XXXX ( application company used to check my credit report ) since this debt is past the 5 year Oklahoma Statute of Limitations to collect on a debt. I received a notice from XXXX on XX/XX/XXXX stating my dispute had been resolved and now it showed there was a XXXX balance for XXXX. 

I received a statement from National Credit Adjusters , LLC dated XX/XX/XXXX stating they purchased the debt from XXXX yet it now had a different account number along with the amount now being {$860.00}. I sent them a letter stating the debt they purchased was no longer allowed to be collected due to being past the 5 year Oklahoma Statute of Limitations. Never received a reply but as of XX/XX/XXXX they added it to my credit report which has caused my credit score to drop by XXXX points along with it now looking like I have two separate loans that are outstanding when it's the same loan. 

XXXX XXXX should never have sold this debt to National Credit Adjusters , LLC since they had never contacted me plus it's now past the 5 year Oklahoma Statute of Limitations to attempt to collect a debt. Both companies are at fault but due to National Credit Adjusters , LLC purchasing it, it's now up to them to correct it according to Oklahoma Law along with the FDCPA - Oklahoma Debt Collection Law
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to your bank about accounts that should not appear in my report. You asked to send you a copy of the report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX SSN : XXXX XXXX : XX/XX/XXXX ( This Is Not A Duplicate ) To : LexisNexis XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX, LexisNexis, XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit cards and others : XXXX XXXXOpened in XXXX, Bank XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX Bank opened in XXXX, XXXX Bank XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX in XXXX, XXXX  XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 

A copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. I have attached a copy of my Drivers License, a copy of my Social Security XXXX, a copy of Proof Of Residence and a copy of the FTC Report .... 

Please make sure neither company ( lie by stalling ) saying that they need proof of identity because I am sending proof of identity with this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Product: Checking or savings account

Key bank denied me of insured credits they promised in advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial promotes paperless billing and provides an online and mobile app for customers to access payment information. 
GM Financial online billing and payment history did not ( and still does not ) provide correct information regarding a payment on my account : Payment of {$410.00} made on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX statements. 
XXXX online billing and payment history shows XX/XX/XXXX payment of {$410.00} as a processed payment, provides a confirmation number, as well as a green check-mark, just as all other payments that have been made. This payment was actually returned due to NSF from my bank. I did not receive notice from GM Financial. 

This misinformation led me to believe my account was up to date. In reality my account was past due from XX/XX/XXXX through XX/XX/XXXX, and two 30 day delinquent payments have been reported to credit agencies for months of XX/XX/XXXX and XX/XX/XXXX. It also caused continued late fees and interest to build on my account.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4
Product: Mortgage

It was brought to my attention during a refinancing process that i have a second mtge with ALLY Bank. Upon contacting Ally, bank, they were unable to tell me how they got the mortgage and was asked if i wanted to make a payment. I was surprised as i did not at anytime had any dealings with ally. Had to pressurize ally about the existence of this mtge before they could tell me it was sold to them in 2014 and unsure who sold it to them. My issue is why i was not contacted and why up till date i did not recieve any billing statements from ally. I am unable to get a straight answer, nor the company handling my refinance I also did not recieve transfer docs that they recieved from this other company who sold the mtge Ally had prevented the refinance from moving forward as i now have $ XXXX on my name that Ally did not keep me abreast of.. My current mortgage company was not aware of this mtge. I know my mtge did changed hands but i was under the impression that the complete mtge was transferred to current lender. 
Thankyou
Product: Debt collection

Received a call on XX/XX/XXXX regarding an online payday loan that I had borrowed in XX/XX/XXXX. I stated to the caller that the debt was paid in full years ago and I have a paid in full letter. However, the company this person listed was different from the company on the Paid in full letter and I only borrowed from one company. Was told to fax the letter over. The number that called was XXXX, which I looked online and found that multiple people have been receiving similar calls on online payday loans they never borrowed from, including a minor. Also received a called today on XX/XX/XXXX from XXXX stating there was an attempt to defraud a debt and I need to call them so they can " hear my side of the story ''. I check my credit report on a weekly basis and I have NOT received anything in the mail regarding an unpaid debt nor do I have a debt in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Account number : XXXX, Last reported dates should be the same per bureau.This is an unverified account. There are also inconsistencies accross the line items for Date Opened, High Credit Amount, Credit Limit, Date Last Active, and Account Type-Detail. For example with regard to Last Reported Date I see that the Last Reported is showing XX/XX/2022 for XXXX, XX/XX/2022 for Experian, and XX/XX/2022 for XXXX. Additionally, the two year payment history doesn't overlap. This clearly goes against my FCRA rights. 
unverified account. 
XXXX XXXX : Account number : XXXX, Each bureau is showing a different Date last active, Last Reported Date, Date Opened, and Date of Last Payment. For example Date Last Active is showing XX/XX/2022 for XXXX XX/XX/2022 for Experian XXXX/XXXX/202 for XXXX. The two year payment history is a mess and non-consistent. This is an unverified account that I have previously disputed. I see this account is still not remove.
Product: Credit card or prepaid card

I currently owe {$6700.00} on my Wal-Mart MasterCard Credit Card and for sometime already I have been struggling to make ends meet and catch up with past due amounts. To date I have not received any options or program offers to assist me with getting back on track and clear any negative status.
Product: Mortgage

Roundpoint mortgage did several dubious things while processing my PMI removal request which costed me more than {$2000.00} and extreme amount of stress. I submitted the request in XXXX of 2015, RPM took painfully long time to process my request. They sent appraiser who did n't calculate the Square footage correctly ( XXXX SQFT ). 
Roundpount mortgage never took my calls seriously. It took them 6 months to initiate the request again with multiple followups and more than XXXX calls. 

They even lost my faxes ( Which has social security number mentioned ). 

Overall it took them more than an year to process a simple request which costed me more than {$2000.00}. 

I dont feel that my records and financial information is safe with rountpoint mortgage.
Product: Credit card or prepaid card

I have been a with CAPITAL ONE BANK USA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dispute of Inaccurate Information and Request for Account Deletion I am writing to formally dispute the accuracy of information contained in my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, I request the blocking of any information in my file that I identify as resulting from identity theft, within four business days of your receipt of this letter. 
Inaccurate Reporting : Under 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), you are required to ensure that the information reported is 100 % accurate. The accounts listed in my credit report are in violation of these standards and have compromised my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. 
Right to Privacy : Pursuant to 15 U.S. Code 1681, I have the right to privacy regarding my financial information. 
Furnishing of Accounts : According to 15 U.S. Code 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. I have not provided consent for the reporting of the disputed accounts. 
I request that you provide me with the original copies of the agreements and terms and conditions for the accounts in question. Failure to comply with this request will result in the necessity for you to delete the listed items from my report. 
Please delete these accounts from my credit report within four days of your receipt of this notice. If you fail to comply, I will seek to hold you accountable for {$1000.00} per account, as provided under the FCRA. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Debt collection

I am writing to address the matter pertaining to account number XXXX held with Aldous & Associates PLLC. 

On XX/XX/XXXX, I initiated communication with Aldous & Associates PLLC regarding a debt collection matter reflected on my credit report, purportedly originating from XXXX. Despite furnishing evidence of my last payment and account cancellation with XXXX, it was communicated to me by Aldous & Associates PLLC that a cancellation notice was required, which XXXX was unable to provide. Notwithstanding my provision of proof of payments, Aldous & Associates PLLC declined to accept such evidence. 

Subsequent to prolonged inactivity and lack of substantive response, I submitted a validation of debt request on XX/XX/XXXX, in accordance with the provisions outlined in the Fair Debt Collection Practices Act ( 15 USC 1692 ). This request sought comprehensive details pertaining to the original creditor, the original account number, the date of initiation of the account, the date of the last payment, the original debt amount, and an itemized statement delineating any additional fees or charges. 

On XX/XX/XXXX, I received a copy of the original agreement contract with XXXX, yet my concerns regarding the genesis of the debt remained unaddressed. Subsequently, on XX/XX/XXXX, I dispatched another correspondence seeking substantiation of the debt being asserted. Regrettably, the response received merely reiterated the dispatch of the agreement executed on XX/XX/XXXX, without offering substantive evidence validating the debt, attributing the transfer of the file to Aldous & Associates PLLC to an alleged breach in the agreement. 

To date, despite repeated requests, Aldous & Associates PLLC has failed to furnish conclusive proof substantiating the existence of the debt in question, while persistently impacting my credit profile with unwarranted entries.
Product: Credit reporting or other personal consumer reports

Hard inquiry XX/XX/2024 from XXXX XXXX XXXX XXXX  Done without authorization
Product: Vehicle loan or lease

I went to Carmax last year in XXXX of XXXX. I purchased a used XXXX XXXX XXXX, and I had issues with the vehicle since a month in having the car. I kept getting the run around on the issues I was having, I also found out codes were cleared from the car leaving me responsible for hidden issues, and the car salesman did not honor my need to not have a car where I am upside down on my loan or any issues that would cost me soon rather than later. It was a dishonest transaction with no heads up that I would be upside down in my loan. I tried to refinance the car, I was told of the negative equity and they demanded that I just get another car and have two payments. I can not afford two vehicles right now. Im upset that in order for me to get upside gown on my loan option they have is to pay more. But they are not applying my payments to the principal.
Product: Debt collection

XXXX/XXXX/XXXX Original Bill with XXXX XXXX hospital, worked out a payment plan with Billing dept at XXXX XXXX hospital, made payments on time every month, in XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX said that hospital turned over to collection agency, called XXXX at XXXX XXXX Hospital to find out why, they told me it was a mistake, but just to keep making my payments on time and there would not be a problem. I received a letter in XXXX of XXXX from Lotane & Associates, PA, I still have not missed a payment, around the date of receiving the letter my family members ( wife, daughter and sister ) were being contacted by this company stating that they had a warrant for my arrest and needed to find me, they had my phone number and address, as they left a message on my cell phone while I was at work. I called them when I got home, they were telling me they were taking me to court, going to garnish my wages and place a lien on my home and take possession if I did not pay the bill in full. I told them I had a payment arrangement worked out and that I had not missed a payment and that I did not have the money to pay the bill in full, I asked to stop calling me and my family that they had my address, they should contact me by mail in the future and that I would continue to send my monthly payment that is the best I can do. They have continued to accept my payments and cash my checks at XXXX every month and I had not heard from them again until this week, when once again I started getting phone calls threatening garnish my wages, have me arrested and place a lien on my home, my wife has received 3 phone calls at work from these people, they called my sister at XXXX last night and my daughter twice this week. I have not received any further communication from them in the mail at all. I spoke to them today and they threatened to continue calling my employer, and family membersuntil this bill is paid in full. I can not pay this in full at this time, but I have not missed a payment and the harassment from this company could cost me my job as well as the embarrassment they are causing by calling all of my family members, I have no idea how they would have gotten any of the phone numbers other than mine and my wifes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have requested to the bureaus on numerous occasions to remove these items from my credit reports. I am demanding to see a signature or contract for these items. If neither can be produced then I want these fraudulent items removed immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

so one day on XX/XX/XXXX, either XXXX or XXXX I was trying to send my mother {$100.00} on cash app. I accidentally sent it to a random person that I have gotten a body oil from which was XXXX dollars. I tried to request a refund from the person and of course they declined The refund so I tried to contact Cash App about the situation and of course they had a chat and not a live agent to help assist the problem with the chat, assisted me to a phone number to XXXX, which doing my research. It was a third-party from Cash App and they were taking peoples information But anyways I called. They said there was nothing we can do about it since the transaction was completed which the chat already said, so there was literally no point of calling in which I gave him all my information over the phone