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

I trust this correspondence finds you in good health. I am writing to address a critical matter concerning inaccuracies found in my credit report. Upon recent scrutiny, I have discovered instances of incorrectly reported late payments on my account, and I wish to dispute this erroneous information. I kindly request your prompt assistance in rectifying or removing these inaccuracies from my credit report. Maintaining an accurate credit history is paramount, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are the result of an error and require your immediate intervention for rectification. The company associated with this account have confirmed the errors during my telephone conversations with them and have assured me of their commitment to correcting my account. Please have this account corrected ASAP : XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$23000.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$5700.00} XXXX XXXX {$3900.00} XXXXXXXX XXXX XXXX XXXXXXXX {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute an account that is showing up on my credit report and is currently in collections. The account in question belongs to XXXX XXXX XXXX and has an outstanding balance of {$670.00}. I believe that this account has been inaccurately reported to the credit bureaus and should not be reflected on my credit report. 

Firstly, I have reviewed my records and found that I do not owe any outstanding balance to [ name of creditor ]. I have never received any communication from them regarding this account, nor have I ever made any payments toward it. Therefore, I believe that this account has been mistakenly assigned to me or that there has been some other error. 

Secondly, I have not been contacted by the creditor or any collection agency regarding this account. I was not aware of its existence until I checked my credit report. As per the Fair Debt Collection Practices Act, I have a right to be informed of any debt collection attempts made against me, and failure to do so is a violation of my rights. 

Lastly, I request that this account be removed from my credit report immediately due to the inaccuracies in reporting. The presence of this account is negatively impacting my credit score, and I believe that it is unjustified. 

I respectfully request that you investigate this matter and take the necessary steps to rectify this error. Thank you for your attention to this matter. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you Inquiries : XXXX XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isnt reporting correctly. 

Please delete these fraudulent accounts : XXXX XXXX {$490.00}
Product: Credit card

Indigo Mastercard Milestone Mastercard Both of them are calling and texting constantly with different toll-free and local numbers on my XXXX number
Product: Debt collection

Sent certified letters in timely fashion to company to verify my debt and they have not responded in required time
Product: Mortgage

Dear Sir or Ma'am : Please know that I am the executor of my mother 's will. Both my parents passed away within one and half years of each other. The house that my parents owned for almost 50 years was sold XX/XX/XXXX. Or so we thought. During the sale of the house, we were notified of a lien on the property that was never released. The lien is recorded in the XXXX County Registry of Deeds website under guarantee of XXXX XXXX XXXX XXXX. The release of the lean was never recorded. 
The lien is from XXXX XXXX XXXX XXXX, listed under XXXX XXXX XXXX, Document # XXXX, Book XXXX recorded on XXXX/XXXX/XXXX in XXXX County Registry of Deeds in Massachusetts. The lien is for XXXX XXXX XXXX in XXXX, Massachusetts. According to the information obtained on the Registry of Deeds, the lien is as a result of a home equity line of credit established in XX/XX/XXXX. A Home equity line of credit usually extends for a particular period of time until it expires. Please also note that there is no request for funds owed on a Mortgage of any kind for either my father or my mother. Please see page attached page from the XXXX County of Deeds website. 
Subsequently, XXXX XXXX was acquired by Bank of America. Bank of America was notified by our attorney XX/XX/XXXX, XXXX number XXXX of the non-release of the lien. As of today, XXXX/XXXX/XXXX Bank of America has not resolved the lien issue which is causing the buyer and myself unnecessary attorney fees. 
I would like to see a quick resolution to the inquiry. The lien should be released and recorded in order for the sale of the house. If the resolution continues then I would even like to see any expenses incurred for this delay refunded to the buyer and seller of the house due to the non-action of Bank of America. 
If you would like additional information you can telephone me at XXXX. 
Sincerely, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I need your help. When I received my stimulus check of {$1200.00} dollars I paid two credit cards off. hoping to better my credit score and purchasing power to buy a house.. One card from XXXX and the other from XXXX XXXX. Creditwise is connected to XXXX. The Creditwise app asked me to look and update my credit information. Before I pushed the button on my phone.my score with them was XXXX. I paid off 2 credit cards and my score went down 61 points! This upset me greatly. I called XXXX to find out what happened they called creditwise because the score drop was alot.. No answer. I called creditwise a few days later talked with an agent she couldn't understand why the score dropped and gave me to her supervisor and she could not understand why also. I receive a note from creditwise with a graph showing the points that dropped. They congratulate me for ontime NO LATE PAYMENTS for 43 months. As you can see it took years to achieve a perfect record for payments. And because I paid off the credit 2 cards with the lessor amounts I lose XXXX points? I did not cancel the cards. How is that FAIR? 
TO ME THIS RUINS ALL THAT I WORKED FOR,. THE TIME USED, AND THE THINGS I SUFFERED. JUST GONE! 
When I first started out to improve my credit score, I got a platinum card from XXXX XXXX.my score was about 640. I made a couple of purchases to get the account going and the card usage was not close to the 30 % and in about 3 months later I looked at my credit score and it went down to from about 640 to XXXX. I lost XXXX points, I called and called and called, Creditwise and XXXX and I could get no answer, except they said they don't know why, for such a great drop, That was from the personnel I spoke to from both companies Now I'm faced with the same thing. My points dropped alot and I made ontime payments.for 43 months, and that's what they told me from creditwise. I use the XXXX  account to buy a camera to make videos. the payment was {$42.00} a month for 12 months for {$510.00} starting from XX/XX/2020. I received a statement last month stating I have to make payments {$81.00}. Why the change? I don't know. This is the month of XXXX and I owed {$410.00}. This is surely a bad deal. So I paid them off with the stimulus check.along with the balance from XXXX XXXX card. And that's when My Score took a serious and unfair dive. I did noting wrong to deserve this action. 
One more thing. I used the platinum for XXXX  XXXX I had paid off, And I used the card for XXXX XXXX and I gain 8 points! 
Please HELP! I need it badly ... Is this punishment for paying creditors?
Product: Debt collection

I owned to XXXX XXXX {$2200.00}. I am paying each month for {$100.00} to be free from my debt. All my payments I 'm sending to XXXX XXXX. Last payment I did at the end of XX/XX/2016. Back in XXXX I was short with a money and I missed my payment just 10 days. Then I applied for fast cash loan in order to pay my bills, and get it on XX/XX/2016 on my bank 's account. XXXX days earlier at my work place show up the men from Machol & Johannies LLC office, showing the court paper and my debt amount in front of all people. He told that I 'm not paying any money regarding my debt. I was confused. It seems that I live at my work place and do n't have a house where I could private to solve this problem, but not in public. 
A few days later, my bank 's account was garnished by Machol & Johannes LLC office. They took all my loan in amount of {$300.00} as legal processing fee, leaving my account with {$0.00} balance. .please, help again. i agree to pay each month, until I 'll be debt free, but this practice is not acceptable by me and at the same by Colorado state law. There is a percentage that you can be removed from the account when the client does not pay at all, but not 100 %. Thanks in advance
Product: Debt collection

On XXXX on XXXX I Received a phone call from " XXXX XXXX. He refused to give me an ID number or last name. He repeatedly cut me off, called me stupid, and talked over me. I requested a validation of debt several times and was told, no, the company would not be sending me any validation. I requested the document be sent through certified mail, which he refused to do. I also requested the documents be sent through regular mail, which he also refused to do. He used very aggressive scare tactics, telling me that I would be evicted and homeless later on in life unless I paid the collection in FULL. I believe this is in violation of FCRA.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time
Product: Money transfer, virtual currency, or money service

I was looking for a villa to rent out for a couple of days in the XXXX XXXX and came across the site XXXX  on XX/XX/2022 and inquired about a villas availability from XX/XX/2022 - XX/XX/2022 ( Link to villa is XXXX XXXX XXXX XXXX ) .After submitting my inquiry I was connected with an individual named XXXX XXXX XXXX XXXX XXXX He provided me information about the Villa and quoted me at {$6000.00} for our stay. Before I submitted payment, he provided me an invoice detailing the dates, name of the villa and terms of payment which included 50 % payment to reserve the villa and 50 % payment 1 month before check in. I sent the first payment on XX/XX/2022 in the amount of {$3000.00} through a wire transfer and {$1000.00} through a XXXX  transfer. On XX/XX/2022 I completed the payments and sent {$2000.00}. When the day came to check in I, along with 25 family members and friends, received a message from XXXX stating that he accidentally had me booked for the wrong dates and that the villa wasn't available. He apologized and said that he would refund me my payment by XX/XX/2022. 2 months have passed and he has been avoiding my messages and calls. I did further research and found I was not the only victim of this individuals fraudulent practices. I came across an article ( Link : XXXX XXXX XXXX  ) that states this company defrauded a family out of {$5500.00} last year. I was also placed in contact with a family from XXXX that was robbed by this individual out of {$25000.00}.
Product: Credit card or prepaid card

I paid a company XXXX XXXX XXXX XXXX on XX/XX/17 XXXX.When i contacted my credit card to dispute the charge they initionally gave me a provisional credit.I disputed it as services not rendered but they did not look at it that way and put the money back on my card.That was a mistake on their part.It should have been looked at as services not rendered. It also happened to me with Renevate to rent who charged me XXXX and rendered me no service.I would think these should be looked into properly.Master card made the mistake and i am paying for it.Thank you  in advance.
Product: Debt collection

XX/XX/2017 LVNV FUNSING LLC {$830.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXXHowever I never received any email or mail regarding such bill.
Product: Credit card or prepaid card

XX/XX/XXXX Noticed my Credit Score/Rating was dropping. Since there was no reason, looked up the reason. Thousands of dollars were listed on Barclays XXXX XXXX XXXX when no purchase was made since XX/XX/XXXX. 
Tried to log into my Barclays online account using my login and password. My login would not work. 
1st call on XX/XX/XXXX : Using the phone number on the back of my credit card, I phoned Barclays to find out what was happening to my account. Was told that the credit card I had was no longer valid. Told that another card was issued and that multiple charges were made in XXXX and XX/XX/XXXX, all fraudulent as I confirmed with them. Credit card that was issued by Barclays sometime in XXXX (? ) was not even in my possession at the time. Barclays stated that they would cancel that credit card and issue me another. When they told me where they were mailing it, it was the wrong mailing address. I had Barclays correct my mailing address so that it was the right one, one that I have had for over 20 years. 
2nd call on XX/XX/XXXX : In looking up fraud charge handling and filing with XXXX , XXXX and XXXX I found the name XXXX XXXX XXXX and her address in WV. I again contacted Barclays where they told me that she was an authorized person on my Barclays credit card. I told them that there was never an authorized user on ANY of my credit cards, EVER. They told me that was the address they were using. Of course I told them to stop! 
3rd call XX/XX/XXXX : Contact Barclays after I received a letter from them stating " We received your request to remove XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX Card account referened... This request has been processed... '' I tried to talk with the correct departments to let them know that I never gave permission for an authorized user of my credit card. I also told them that I with all that occured, it was Barclay 's own people who set up the fraud by issuing a brand new credit card, with a new credit card number and a new address without my knowledge or verification or communication that this had even happened. Now, the account and all the fraudulent charges are under review for " 60 to 90 days ''. I had absolutely no knowledge of Barclays even switching everything on my credit card nor can I even log in to my account online since someone changed all access information. 
Please help me as this sounds completely like an inside job at Barclays at this time. I still have not received my new credit card so that I can even get to a login and look at all the damage done by Barclay 's authorized person. Why did Barclay not tell me about this fraudulent authorized user when I called the first time? Something seems really suspicious and off with this entire situation and I am requesting someone else oversee Barclay 's process. Thank you for any assistance in this matter. As a side note, I will be cancelling this credit card once I can get back into my online 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. 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 or other personal consumer reports

I contacted the following reporting agencies which are XXXX, Transunion, & XXXX and made it clear that these items -XXXX XXXX Acct # XXXX -XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX -XXXX XXXX XXXX  Acct # XXXX -XXXX XXXX XXXX XXXX Acct # XXXX -XXXX XXXX Acct # XXXX are not my accounts and Ive been a victim of identity theft and they have yet to abide by the fair credit act and remove these unauthorized fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, & XXXX are reporting a bankruptcy on my credit report and they did not obtain the information from the XXXX XXXX XXXX XXXX per the letter attached from the Bankruptcy Dept. Per Fair Credit Reporting Act, Section 609 they have violated my rights by providing false information obtained illegally. Im requesting the credit bureaus remove from the bankruptcy from my credit reports.
Product: Checking or savings account

I am filing a complaint against Capital One for their gross incompetence in handling a claim following a dispute over a payment of service that was cancelled over a fraudulent intent of the merchant. I reported this claim to Capital One back in XX/XX/2022 that this Merchant deceitfully hide information regarding their policy by misinformation. Capital One then requested that I provide proof of cancellation and date of cancellation ( see attached email ). Instead of capital one addressing the dispute in furtherance to the proof I provided on the cancelation date and proof of cancellation done over 400 days before the proposed service by the merchant, Capital still went ahead to make a decision on the claim in favor of the fraudulent merchant based on the fine print from the Merchant which contained information contrary to information given to me by the teachers at my XXXX XXXX for whom the merchant deceitfully went through to deceive parents like me to enroll in the first place. The Merchant XXXX XXXX is nothing but a fraud, and Capital one is collaborating with a fraudulent company over a cancelled service 400 days in advance to rob a customers finance that they ( Capital One ) were set up as a financial institution with an obligation to protect their own customers. I am totally disappointed with Capital One bank, and to think that I banked with them for 12 years only to receive such betrayal from them is complete disheartening. They have shown that they dont know what they are doing. They should do the right thing in protecting their customers finances from a fraudulently intent company like XXXX XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX, my vehicle was reposed from my home. The last payment made to GM Financial was on XX/XX/XXXX. GM Financial charged off my account as on XX/XX/XXXX and placed a note on my credit file that my vehicle was affected by a natural disaster ( XXXX ). I never received a letter for a right to cure, a phone call, nothing. I personally have been reaching out to GM Financial after I made my last payment to find an additional XXXX  months have been added. I started my loan on XX/XX/XXXX. During years there were XXXX deferments, which I'm being told is XXXX payments. My loan end date was changed from XX/XX/XXXX to XX/XX/XXXX which would include the XXXX payments. XXXX XXXX that is not correct. Even though my loan was extended by 8 months, I still have XXXX  months of deferment payments to complete after the loan has ended which is a total of 16 months. 
I have sent several certified letters to resolve this matter and XXXX verified today that the letters were received but no one called me or the attorney to discuss the matter. There are several payments made where it applied XXXX payments to XXXX month and on XXXX there was XXXX payments made but only counted as XXXX payment. Now today GM Financial reps, compliance reps, and managers refused to allow a payment to be made so I can retrieve my vehicle and handle this matter legally.
Product: Credit reporting or other personal consumer reports

According to your acceptance on XX/XX/XXXX. 2021 this account has been paid in full. It was accepted and cashed with no response over 60 days. Therefore making the debt PAID IN FULL. 



No proof of Bilateral contract
Product: Student loan

Starting XX/XX/XXXX I called to see how much my loans would be. I was referred to student aid dot com for my repayment status. I attempted to find out how much my loans would be by using the calculator stimulator. I received the correct info to repay. Then I had to apply to repay. I found out I'm already in a payment plan. The amount I'm being asked to pay is high. I don't have $ XXXX to pay for my loans. I tried to call to speak to a representative. The only info on the phone is directing us back to the website. I need to speak to someone so I can be on track instead of falling behind before XXXX. I can't log in. When I try I'm being taken through authentication ao i process. I have to wait all day to receive a email just to login. It seems as though we as the borrower are being taken through the wringer just to pay these loans back. I need help. I can't afford to fall behind. I provided a picture of me waiting and no password recovery. Nothing came to my email.