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

I sent letters to XXXX and all three credit reporting agencies disputing the accuracy of the information being reported against me. The dispute results came back as verified. In frustration XXXX night as I could not sleep, it was about XXXX I remembered that I could file a report with CFPB and I did, however I did not provide supporting documents as I was zombified and wasn't thinking straight, and I am guessing XXXX XXXX sent something along the lines as verified, and the complaint was closed. I consulted a friend who is a consumer law attorney, and he explained that I erred when I did not provide any documentation with my complaint. This is the reason why I am filing a new complaint with the supporting evidence that this account is closed and I have a payment agreement with XXXX XXXX to pay {$50.00} every XXXX day of the month until the balance is cleared, and I have uploaded the agreement with the payments that were made and will continue to be made until the balance is {$0.00}. I have enclosed a statement from my checking account to show the payment made in XXXX of 2023 and I am pleading for help. XXXX XXXX is using their power to bully consumers like myself who can't afford to hire an attorney. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX, has violated my rights. 

( 2 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX # XXXX, has violated my rights ( 3 ) n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights ( 4 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights ( 5 ) n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have a 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
Product: Credit reporting or other personal consumer reports

This is reporting differently across all bureaus, showing inaccuracies. XXXX XXXX is not my debt this belongs to XXXX XXXXThey have sold this debt but also charged it off. I keep getting calls from people I dont know who are legit. They would not take the XXXX XXXX back and put it on my credit but not his credit when he is the one who got the vacuum
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus is purposely keeping my credit score low. My credit scXXXX has always been in the high XXXX now its hovering around XXXX for over 10 years now. I disputed past collection that was already paid. Yet theyre still reporting that incorrect information. I feel the credit report agency is discriminating against my credit worthiness. Theyre still reporting old addresses to purposely keep my score low. All 3 credit bureaus has cost me thousands of dollars in the past from various loan companies. Please look into their unfair practices. Its unfair how they have the power to keep my income down and to destroy my livelihood of making my credit outstanding to get future loans. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user of a Capital One card, and have been for years. This credit card shows up on XXXX and XXXX, but not on XXXX. 

I have called XXXX and Capital One once a month beginning in XX/XX/2021. Each time I am told by Capital One that they are reporting the information to XXXX every 30 days, but XXXX says they are not receiving any information from Capital One. 

Neither organization seems interested in helping me solve this problem. 

In addition to this, XXXX has a wrong address for me listed as my contact information. I have called on two separate occasions, as well as filed multiple disputes with their agency, and it is still incorrect. They list my address as having an apartment number, but I live in a house. There is no apartment building.
Product: Vehicle loan or lease

American cycle finance amount reported owed is {$7700.00} on XX/XX/XXXX with XXXX payment monthly starting XX/XX/XXXX and stopping XX/XX/XXXX. 
This loan account information is incorrect ; the payment history is wrong balance due is wrong and the highest balance is wrong. This motorcycle was purchased from XXXX XXXX XXXX XXXX. The original price of this motorcycle was {$9900.00}. I have a signed agreed purchase agreement and loan documents from the dealership stating the purchase price and my down payment with receipt. I paid {$4200.00} cash down on this vehicle this was the terms of obtaining the loan. Making the total balance due to be financed of {$5700.00}. American cycle is reporting that my high balance was {$9100.00} and that i owe {$7700.00}. This is incorrect. They also are reporting that I stopped making payments as of XX/XX/XXXX and this is incorrect. Stating that I've only paid {$1300.00} towards the principle balance. This is incorrect. My monthly payment was {$370.00} and even at only 9 months that they are stating that's {$3300.00} in payments. However I have made many payments past the stated and reported date. I have paid this loan in full. When I requested a pay off and I made my final payment to this company and requested my title and final bill of sale that I paid in full, only then did they report this incorrect information stating I still owe {$7700.00}. This loan has been paid in full with the interest since XX/XX/XXXX. They are reporting false information and have even tried to repo my motorcycle that i paid for in full,
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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 8
Product: Debt collection

I have spent months and thousands of dollars trying to fix my credit, some due to fraudulent activity or identity theft! I paid and have all my records but transition refuses to clear my credit and good name. I have contacted them in numerous occasions but to no avail. I am beyond frustrated and disappointed!
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed I have 4 late payments being reported by TD auto Finance. I notice the late payment was reported in XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. These late payments were reported during COVID 19, there was no grace given due to a pandemic happening. Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( 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.
Product: Mortgage

my mortgage statement indicates my payment increased from $ XXXX to $ XXXX in two months, how is this possible and there is no way I can pay that amount. I need answers and I have not been able to get my IRA transferred to Wells Fargo to pay the negative escrow balance of $ XXXX. I am so confused and do n't know why the bank is hurting me so bad. I originally purchased this home for $ XXXX and now their trustee that I do n't know and have not been able to talk to, has my mortgage payment up to $ XXXX and they say my home is being taken away from me today. I do n't know who is telling me the truth and I do n't know why I ca n't get any help. I ca n't take it anymore! I have lost my wife, kids, home, job now and I have nothing left to live for. Please tell them not to take my home and help me get my retirement transferred over to them to pay their fees and add on charges. I know I ca n't fight the big bank but I have been trying to beg for help since 2011!
Product: Debt collection

RSI Enterprises XXXX XXXX. XXXX XXXX XXXX, AZ XXXX Account no : XXXX Amount {$130.00} Date : XXXX I told them that is wasnt mine and they need it to take me out of collection if its not yours it should be off like the law says. If its not i will file a small claims court.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/year> XXXX CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX OREGON XXXX XXXX XXXX OREGON XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX BANK XXXX XXXX
Product: Debt collection

I am disputing this account, Pursuant to 15 usc 1692g ( a ) ( 2 ) I am demanding that you provide me with the name of the creditor of this account. Pursuant to 15 usc 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuer to 15 usc 1692g ( a ) ( 1 ). 

Account name : XXXX XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX. 

Balance Owed {$0.00}. 

Account Rating Paid. 
Accounts Name : XXXX. 

Account # XXXX Date Opened XX/XX/XXXX. 

Balance Owed {$710.00}. 
Account name XXXX Account # XXXX Date Opened XX/XX/XXXX. 

Balance Owed {$630.00}. 
Account name : XXXX 

Account # XXXX Date Opened XX/XX/XXXX. 

Balance Owed {$0.00}. 






Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated.
Product: Debt collection

I contacted a collection agency that has posted an active collection on my credit report indicating that i do not owe a debt to this collection agency and to remove the collection or provide documents that indicate I owe the debt to them. They replied with a letter about my residence at the time of the original debt and included copies of statements of prior debt to original creditor. No opportunity to dispute and no documents that they have a right to the account or that I ever signed an agreement that I would owe this collection agency in the event of default of the original debt.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. These transactions do not relate to me as the consumer block and remove 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: Debt collection

Collection was put on my credit report, debt does not belong to me, has been resolved months ago, and collection agency sold the debt over agian. Illegal to resell a debt that has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Inquiries in not mine and it's totally Faud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.
Product: Credit reporting or other personal consumer reports

These negative accounts and unauthorized inquiries are inaccurate and wrong. 

DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 


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 I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

On XX/XX/22 I submitted a application to request assistance from Planet Home Lending due to my FHA loan being in default because of COVID-19 and loss of employment. I was told by XXXX XXXX in the Mitigation Dept that I was not eligible to receive assistance because documentation was not received and that I have insufficient income to reinstate my loan account. I have a FHA loan that specifically states the following : Recovery Home Retention Options and ( 1 ) COVID-19 Recovery Standalone Partial Claim ( a ) Eligibility states, The Mortgagee [ your mortgage company ] must ensure that : the Borrower indicates they have the ability to resume making on-time Mortgage Payments ; and the Property is owner-occupied.

No documentation is required. See the attachment FHA Center. According to FHA, To receive a COVID-19 Recovery Loss Mitigation Option ( COVID-19 Recovery Option ), the Borrower does not need to provide the Mortgagee with documentation to prove that they can or can not resume their Mortgage payment or that they can or can not make the modified Mortgage payment, aside from affirming that they can or can not make those monthly payments. 
My Documents was uploaded to their online portal on XX/XX/22. They then advise me my application was denied bc of failure to submit documents. 
My mortgage company refused to grant a Standalone Partial Claim on my behalf to stop the foreclosure sale of my home.
Product: Checking or savings account

This is Juno online bank. Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the email they sent below information : The Juno Checking Account and Debit Card are part of an offering of CapitalJ Inc ( Juno ) and XXXXXXXX XXXX XXXX XXXX, Member FDIC. Your checking account is FDIC insured up to {$250000.00} through XXXX XXXX XXXX XXXX 

Last 6 months they are holding the amount and allowing to withdraw the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Credit Bureaus regarding their persistent failure to correct inaccurate information on my credit report. Despite my repeated attempts to resolve these issues over the past several months, totaling many separate requests, the credit bureaus has not taken the necessary actions to correct the late open accounts and remove the charge-off entries. Despite providing evidence that these accounts were not opened late, they remain incorrectly reported on my credit report. These entries are inaccurate and should have been removed after my initial dispute. However, they persist on my credit report, negatively impacting my credit score and financial standing. Despite my efforts, the credit bureaus has failed to correct the inaccuracies or provide a satisfactory explanation for their refusal to do so. I respectfully request for your intervention to ensure that the credit bureau/institution complies with the Fair Credit Reporting Act ( FCRA ) by accurately reporting my credit information. With this, I am asking for your assistance to correct the late open accounts and remove the charge off from my credit file : XXXX. XXXX XXXX Balance Owed : {$4000.00} Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX. XXXX XXXX Balance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Fraudulent Account Identity Theft and Lack of Legal Capacity ( FCRA 609, 611, 605B ) Dear CFPB Representative, I am writing to formally dispute an inaccurate and fraudulent account that appears on my credit report. This debt does not belong to me, and I request that it be removed immediately under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. 

Details of the Disputed Account : Creditor : [ Insert Creditor or Furnisher Name ] Account Number : [ Insert Account Number ] Date Opened : [ Insert Date, if available ] Amount : [ Insert Amount ] Credit Bureau XXXX : [ XXXX XXXX XXXX XXXX XXXX specify which ] Grounds for Dispute : Victim of Identity Theft ( FCRA XXXX ) I did not authorize this account. I am a confirmed victim of identity theft. Per FCRA XXXX, I am requesting the immediate blocking and removal of this fraudulent account from my credit file. 

Lack of Legal Capacity Due to Severe Mental Illness During the time this account was allegedly opened, I was under documented treatment for severe mental illness and did not possess the legal capacity to enter into financial agreements. Any alleged debt obtained during this time was done without informed consent or legal capacity, rendering the account invalid and unenforceable. 

Violation of My Rights Under FCRA 604 and 609 I have not been provided with proper documentation or original signed agreements that prove I initiated this account. Under FCRA XXXX, I formally request that the furnisher and credit bureaus provide verifiable documentation with my signature proving liability. 

Americans with XXXX XXXX ( XXXX ) I am protected under the XXXX due to my mental health condition. Continuing to report this fraudulent debt not only exacerbates my condition but XXXX constitute discriminatory practices and cause irreparable harm. 

Requested Action : XXXX removal of the disputed account from all credit reporting agencies. 

An investigation by the furnisher and a response within the required XXXX period under FCRA XXXX XXXX 

Written confirmation of the removal and a copy of my corrected credit report. 

Attached are copies of my [ drivers license/state ID ], a police report or identity theft affidavit ( if available ), medical documentation ( optional ), and any correspondence from the creditor. 

Please take this matter seriously and respond swiftly. If this issue is not resolved, I will pursue further legal action through the appropriate channels. 

Sincerely, XXXX XXXX
Product: Debt collection

CREDIT COUNSEL INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Company contacted me several times claiming {$300.00} owed for services rendered in XXXX 2014. Its been 4 years and I disputed the amount owed directly with them and they were not able to provide any proof of services. Company decided to report to credit bureau. I called today after seeing it on my credit report. A male representative HUNG UP ON ME. Unacceptable behavior by a representative who is federally and state regulated entity. You help is greatly appreciated. 
Thank you
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$28000.00}
Product: Mortgage

After I completed XXXX I moved to the XXXX area after XX/XX/XXXX to help out afterwards. I worked in XXXX and the XXXX services since then until I started as a XXXX. Currently, XXXX. XXXX. I submitted a loan modification application to Ocwen to modify my FHA mortgage and Ocwen did not make a decision on the modification application. Ocwen claims the home was sold at auction on XXXX without evaluating my loan modification application to modify the FHA loan. I lost the job that I had XX/XX/XXXX when I borrowed the mortgage from a company that sold it to GMAC. GMAC went bankrupt and now Ocwen is the loan service provider. I searched diligently since I lost my job XX/XX/XXXX but am not able to find employment, but I am a XXXX with student loans. The FHA loan was discharged in a bankruptcy in XX/XX/XXXX and I continued to make payments until my retirement account was empty.