23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Please review the attached documents. I request that the bureau initiates an investigation into these accounts. I have never been late on this account.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  Account Number : XXXX, Account name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX, Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX  Account number : XXXX, Account Name : XXXX XXXX  Original creditor : XXXX XXXX XXXX  Account number XXXX XXXX, Account Name : XXXX XXXX  Account number : XXXX, Account Name : US DEPT OF EDXXXX Account Number : XXXX, has violated my rights. 

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

So XX/XX/XXXXTransUnion and XX/XX/XXXX is still reporting items wrong on my credit report? As you can see my reports has errors by law I'm required to get this fixed but it's not. I would like my credit report fixed as soon as possible so I want have to keep disputing items. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been corresponding back and forth with XXXX and now XXXX  for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( XXXX, Experian and XXXX XXXX ).

XXXX is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. 

My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from XXXX notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to XXXX, they said that the payments were already scheduled for XX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX.

There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? 

I am asking that the CFPB review the attached documents provided by XXXX and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reports my account as 30 days late when it has NEVER been 30 days late. I reached out to Experian also for a resolution sending them the Statements for the months of XXXX, XXXX, XXXX, XXXX and XXXX which have payment due and received dates on them. I also called Experian and the representative acknowledged that payment was not 30 days late, She stated give it 45 days and the issue should be resolved. After the review was completed the update was ND for current month and 5 late payments still remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 companies on my credit report that should not be on there. I have one credit card and have never applied for a XXXX, XXXX, or XXXX card in my life. I think this is fraud but I do n't know who to contact. 

XXXX/XXXX ACCT # XXXX XXXX XXXX XXXX XXXX, FL XXXX Unpaid balance : {$70.00} XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unpaid balance {$26.00} XXXX/XXXX ACCT # XXXX XXXX XXXX  XXXX XXXX CREDIT BUREAU DISPUTE XXXX XXXX, SD XXXX {$26.00} XXXX ACCT # -XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Unpaid balance {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to the Credit Reporting Agencies requesting that the Credit Bureaus conduct another investigation on my Credit Report and verify the information being reported by the Accounts on my Credit File. I am frustrated and feel there are many errors that are still being reported on my personal Credit File. The Credit Reporting Agencies are required to validate the disputed Accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable for the Credit Bureaus to continue reporting the disputed accounts without providing me any proof of verification within the time period allowed by law. I am submitting this CFPB complaint to remind the Credit Reporting Agencies to verify the accounts being reported on my Credit report and correct or remove any erroneous accounts from my Credit report XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I have lost track of the numerous letters I've sent to your bureau regarding my identity theft case, as my concerns remain unresolved. Once again, I am disputing the fraudulent information negatively impacting my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite submitting the required FTC complaint, your bureau persists in reporting these fraudulent accounts on my credit report. I want to stress that I've already contacted the banks associated with these accounts, submitted necessary documents, and had the accounts promptly removed from their records.
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 15 USC 1681 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXXXXXX XXXX Account name : # XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

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

15 U.S.C 1681c. ( A ) ( 1 ) 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 then records of convictions of crimes which antedates the report by more then 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 or other personal consumer reports

To Whom It May Concern, I am writing to formally request a thorough reinvestigation into the inaccurate accounts being reported on my consumer credit report. I have identified several false instances and non-compliant information that require your immediate attention. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the XXXX XXXX data fields. Any deviation from this standard is not only a violation of federal regulations but also a breach of consumer trust. 

I insist on your strict compliance with XXXX XXXX reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. 
The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a XXXX XXXX XXXX ( XXXX ) or an automated dispute verification system. 
A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 
If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA XXXX ( a ) ( XXXX ). 

Please address this matter with the urgency it deserves and provide a written response within the XXXX period as required by the FCRA. I expect a complete and thorough investigation into this matter. 

Thank you for your prompt attention to this serious issue. 

attached is my proof Idenity, Please do not send me stall letters asking to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit report from all three bureaus and notice names, and addresses not associated with me nor never have been reporting on my report. I never use any other name but the name on my ID as well as any other addresses besides the XXXX on my ID.
Product: Debt collection

Call at XXXX leaving messages they will sue they have repeatedly called my landlord to harass and embarrasse me they have been asked XXXX times not to do they also call constantly from different numbers also will not send debt validation letter.told my landlord that I owed money and was being sued.
Product: Debt collection

I have sent two letters requesting validation of debt to this company. They only responded by sending a letter asking for payment and they continue to send me invoices threatening to send my account to collection. I would like the debt validated and then if it is proven to be my debt I would like to make payment arrangements to clear this debt, but I do not want to pay on a debt that I do not know if it is mine or if the amount of the debt is correct.
Product: Checking or savings account

When I live in XXXX, I was an employee at Chase Bank when I became an employee I received a free bank account and a free safety deposit box I was working for the company for over 10 years. After getting laid off in XXXX  sometime around XXXX or XXXX I was able to get a job with a company in XXXX. I moved to XXXX  in about XXXX. I close my accounts with Chase eventually after I no longer worked with the bank and I moved sometime around XXXX or XXXX I went into a branch locally in XXXX Texas to close my safety deposit box, I talked with a personal banker in XXXX Texas at the location, which was on XXXX XXXX XXXX. One meeting with that personal banker I gave the keys over and it appeared that I close the account with them that day sometime after that Id say months later I received a letter in the mail saying that the account was still open and that I owed money for the safety deposit box, I did some research reached out to the bank and they advised me I needed to send a form which I had taken to a branch and get signed by a Chase employee and then mailed back to the branch where my saved deposit box was located so that it could be closed. I completed that form and sent it in only to continue to get letters saying that the safety deposit box was still open and then I owed money. I called that branch and they advised me that the form that I sent in was no longer valid and that I had to come in personally to close the account. I explained to them I no longer live in California and I had no means to get to California to close the account and I had done my due diligence to try to close the account before any money was due and that I was being charged was unfair because as a consumer, the bank is offering me no way other than going in person to close the safety deposit box which I do not have the means to do I dont have anybody in California XXXX close the safety deposit box for me. The bank is offering me no alternative means as a consumer to close the account creating a barrier for me to find a resolution as a continue to charge me for an account that Ive tried to close on XXXX occasions. There is nothing in the safety deposit box. I do not need it and Ive tried to close it out before any money was due. Ive contacted the XXXX office about this issue and theyve told me basically I have to come to California to do it this appears and seems to at least be discriminatory, especially for people who do not have the means to get back to the state and they open the safety deposit box and there needs to be some oversight Into the policies of safety deposit boxes for interstate customers to close because the bank is creating barriers for the customer to achieve closure of their accounts, if they do not live in the state any longer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX Loan Servicing Team, I am writing to request an immediate update and correction to my student loan account. I have received IRS Forms XXXX which confirm the discharge of my student loan obligations totaling {$14000.00} across four loans. However, my XXXX account remains inaccurately reported, as the loans are still reflected on my consumer credit reports, and I am continuing to receive incorrect billing statements. 
Account Information Borrower Name : XXXX XXXX Total Loan Amount : {$14000.00} ( XXXX Loans ) Discharge Evidence : Copy B of XXXX attached Request for Action XXXX. Account Update : Please update my XXXX account to reflect the loan discharge and confirm a {$0.00} balance. 
XXXX XXXX XXXX XXXX XXXX Notify all credit reporting agencies ( XXXX, XXXX XXXX TransUnion XXXX to remove any negative or active entries associated with these discharged loans.

3. Cease Billing Statements : Discontinue all billing statements or communications related to these discharged loans. 
Supporting Documentation Enclosed with this letter, you will find copies of the following : IRS Form XXXX ( Cancellation of Debt ) These documents clearly establish that my loans have been XXXX in compliance with applicable federal and contractual guidelines. 
Follow-Up and Contact Please confirm receipt of this request and provide a timeline for resolution. You may contact me directly. 
If this matter is not resolved promptly, I will escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ) and any other appropriate regulatory bodies to ensure compliance with federal laws regarding loan discharges and credit reporting. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of the necessary updates and corrections. 
Sincerely, Without Recourse XXXX XXXX Enclosures : Copy of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information thats on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identity. Transaction to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to my transactions by me as a consumer. 

You are required to do what I am asking and block these transactions from being reporting/ reported within 4 days from the receipt of this notice I look forward to your response XXXX XXXX credit card XX/XX/2022
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

XXXX complaint on this mortgage. The first complaint was filed XXXX XXXX, 2015. 
I am still attempting to short sell the property with little to NO cooperation from the mortgage company ( Nationstar ). Since my last complaint, Nationstar asked me for an estimate on the damage to the property from the previous tenant. My agent submitted the estimate within 5 business days. Then they come back and require that I file an insurance claim on the damages, despite the fact that it is a townhouse. When there is no one living in the unit, there is nothing but liability/structure insurance on the unit. The coverage does not include interior damage from neglect. This is clearly stated in the covenants but Nationstar insisted I file a claim through the HOA. I filed the claim with XXXX XXXX. However, they are 2.5 weeks behind in claims and can not send anyone out until XXXX XXXX. Nationstar has been made aware of every step we have taken and we have jumped through every hoop they have required. They have already denied XXXX cash offer and it appears they are attempting to deny another. 
My agent contacted Nationstar ( via equator ) on XXXX XXXX to let them know there was another cash offer on the property. However, the offer could not be uploaded because " the portal was not open ''. We have YET to get a response from anyone from Nationstar. They have ignored our attempts at contact and submitting the new offer. When contacting the investor, XXXX, and making them aware of the current situation, they advised that they felt " Nationstar was not allowing the new offer to be submitted because the foreclosure date is so close ''. 
I have done EVERYTHING to short sell this property instead of letting it foreclose. Nationstar has been dragging this out and putting up barriers since XX/XX/XXXX despite having XXXX CASH offers on the unit. I have done everything they have asked of me ( and my agent ) and they have resorted to simply not responding at all. I am trying to fo the right thing and not let the property foreclose. The foreclosure date is set for XX/XX/XXXX, despite the fact that there is a current cash offer on the table. Anything you can do to help would be greatly appreciated.
Product: Student loan

School closed beefore i can finish nd they held me responsible school lied about enrollXXXX
Product: Debt collection

Global Radius Solution called me and REFUSED to say why they were calling. They only wanted to 'verify ' information. They refused to tell me why they called. They are harrasing people and maybe stealing people 's identity, or doing something shady. They REFUSED to tell me the nature of their call. They only wanted me to give them personal information and didn't tell me why they needed it.
Product: Debt collection

I called to North Group Inc. Because I received a collection bill from them, after providing them with all of my information for their verification, even though they sent a letter to my home with the enclosed bill, I was told that my date of birth did not match, even though all of my other information was correct, after speaking with XXXX different people I was told that there was nothing they could do and the only help they can give me was by deleting my address from the mailing list which it will not really help me since I can not even dispute the debt since my date of birth does not match, so in 30 days the debt will be recorded to collections under my name and social, hence why I am making the complaint asking for help.
Product: Credit reporting or other personal consumer reports

After reviewing my Consumer Reports, I noticed some reported late payments on an account where I have always made timely payments. Since Consumer Reporting Agencies are crucial for maintaining accurate consumer information, it is essential that all data is reported correctly. I have consistently met my payment obligations for the following account : XXXX XXXX XXXX  I request a detailed investigation into these discrepancies. Please provide documentation, such as statements, that evidence the reported late payments. If such proof can not be provided, I expect the records to be updated promptly to reflect my true payment history, which has always been punctual.