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

I am writing to formally dispute the accounts and inquiries listed on my consumer credit report ( referenced below ), as they appear to be the result of a data breach or fraudulent activity. I request verifiable proof, including documentation bearing my signature or electronic signature, to substantiate these actions. 

This letter is submitted directly on my behalf, not through any third party, and I kindly ask that you review it carefully. These actions were not authorized by me, and they violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I have contacted the companies associated with these accounts and inquiries, and it has been confirmed that these actions were initiated without proper validation or original documentation. Since I did not authorize them, these accounts and inquiries are inaccurate and likely stem from a data breach or unlawful reporting by creditors or third-party data furnishers. 

I respectfully request that you immediately investigate these matters and take swift action to remove the unauthorized entries from my credit report. I greatly appreciate your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$8500.00}
Product: Credit reporting or other personal consumer reports

Whom It May Concern at the CFPB, I am submitting a complaint regarding a collection account reported by XXXX from Portfolio Recovery Associates. This account, listed as an open collection with a derogatory rating and a balance of {$1100.00}, has negatively impacted my credit report. 

Account Information : Creditor : Portfolio Recovery Associates Account Number : XXXX Balance Owed : {$1100.00} Status : Open Collection/Late 120 Days Summary of Issue : XXXX is reporting this debt from Portfolio Recovery Associates, despite my lack of any business relationship or account with this company. I am not liable for this debt and have no records of any transactions with Portfolio Recovery Associates. I have disputed this with XXXX, but the report has not been corrected. 

Requested Resolution : To resolve this issue, I am requesting that Portfolio Recovery Associates have XXXX : XXXX. Remove this unverified collection account from my credit report, as no validation or documentation proving my liability has been provided. 
XXXX. Ensure no further reporting of this inaccurate debt on my credit report. 

Thank you for your attention and assistance in this matter. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SEVERAL COMPLAINT that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2009 ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$2900.00}.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  Account : XXXX from Creditor : 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

I received a letter in the mail saying I owed {$13000.00} to account # XXXX XXXX XXXX XXXX. This is not true. I was up to date with my rent. The landlord there gave us a 3 day put out now i am XXXX with both knees XXXX on XXXX my husband is XXXX with XXXX, we never received anything to go to court. We lost more than half our belongings because they locked the door and would not let us back in.I was unable to get any my kitchen things, had to leave our washer and driver, my husbands tools No bedroom furniture a lot was left and we were unable to get it. We were unlawfully put out and we lived there 8 years and this happened [
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 

I previously disputed the following information on my Experian credit report : XXXX XXXX XXXX Account numbers : XXXX XXXX XXXX
Product: Debt collection

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX ( Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX ) My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

I need your help to have this item removed from my credit report as soon as possible, please. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Experian and XXXX violated my rights. I disputed this account because it has been reporting inaccurately. This account has been deleted from XXXX, yet Experian and XXXX continues to parrot back off of the the creditor. The creditor is incorrect and these credit reporting agencies refuse to be fair and partial. In fact they are wilfully neglecting to protect me as a consumer. They claimed that XXXX XXXX " verified '' this as accurate. Why would XXXX XXXX report different information to the 2 Credit Reporting Agencies? XXXX reported to Experian that the terms were 72 months, yet reported to XXXX that the terms were 0 months. XXXX reported to Experian that the high credit was {$15000.00}, but reported to XXXX that the high credit of {$6700.00}. XXXX reported a date of last activity to Experian of XX/XX/XXXX but reported a date of XX/XX/XXXX to XXXX. XXXX reported a Date of last payment as XX/XX/XXXX to Experian and a date of XX/XX/XXXX to XXXX. In addition the payment history is totally different, all of the information contradicts. proof of inaccuracies attached. XXXX deletion attached. 

Please delete immediately for inaccuracy. Per the FCRA my report is to be 100 % accurate. Proof attached.
Product: Debt collection

these people keep calling my cell phone looking for a  XXXX   XXXX . I am NOT  XXXX   XXXX  and I told this "   XXXX   XXXX   '' at extension  XXXX  to quit calling my phone.     She proceeded to tell me I was a liar, and that I am too  XXXX . I told her to quit calling me. She wo n't quit calling me. I keep receiving voice mails after blocking her that state " This message is for  XXXX   XXXX  my name is  XXXX   XXXX  and it is urgent thatyou give me a call back today at  XXXX  extension  XXXX . If we do n't hear back from you today legal action will be taken. '' Make them stop!
Product: Checking or savings account

I was charge overdraft fees and transferred fees Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You recently stated you did an investigation on information being accurate and just updated the information, but my dispute was about the UNLAWFUL VIOLATIONS THAT HAVE BEEN ALLOWED ON MY CREDIT! This is my last attempt before moving forward with my attorney on filing suit. This is to report the inaccuracies and violations that are on my report, which are grounds for IMMEDIATE DELETION! 
XXXX XXXX  XXXX ) it is AGAINST THE LAW TO REPORT A CHARGE OFF MONTHLY VIOLATION OF 623-15 U.S.C 1681s-2 Duty to provide notice of delinquency of accounts ( No later than 90 days After the furnishing information, notify the agency of the date of delinquency on the account the month in the year. 
XXXX ) the IRS CONSIDERS a Charge off as GROSS OR ORDINARY INCOME, So why is this on the credit report? I have not received a 1099C.? Violation of 15 USC 1681 ACCURACY AND FAIRNESS 3 ) This company has failed To protect my information VIOLATION 15 USC 6801 PROTECTION OF NONPUBLIC INFORMATION 4 ) They are also reporting a past due amount that is higher than the highest balance that is also an accurate reporting, which is also a violation because according to the FCRA everything report, it needs to be 100 % accurate Which are also grounds for dilation 5 ) Another violation is this company is showing that payments were made and then theyre stating that no payments were made and that I owe the full amount of 1756 how is that so if payments were made? They are not reporting correct payments, that is also Not fair and in accurate, Which are also grounds for a deletion 6 ) VIOLATION OF 15 USC 6802 OBLIGATION WITH RESPECT TO DISCLOSE PERSONAL INFORMATION, Which means in accuracy is also grounds for deletion 7 ) also, how can this information be accurately verified when my name is incorrectly spelled in the wrong address is on file, and Ive called on multiple occasions, trying to correct this. Ive also while mailing disputes have sent copies of my drivers license my name should B displayed on my credit report as it is on my drivers license not using a middle initial that is not my name my mother and I have the Exact same first name and if youre using a middle initial, we have the exact same middle initial so our information has been messed up in the past. This is also an accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I purchased XXXX postcards from XXXX for advertising my company. I was charged for XXXX. I never received an invoice or any sort of bill. My bookkeeper saw the charge on the statement, is how we found out about it. They charged my credit card without any authorization. They must have kept my credit card # from 6 months ago when I purchased XXXX cards. I have purchased XXXX cards from them at least 2 times prior. I have always bought the same amount. The account representative whom I dealt with left the company shortly after this. What I suspect happened is that she had my card billed so that she would receive a nice commission before leaving the company. I disputed it with XXXX XXXX XXXX and they denied my claim. XXXX XXXX XXXX claims that XXXX will not communicate with them on this matter. I had my attorney write a letter to Chase and they closed the dispute and will not communicate further with my attorney. XXXX XXXX XXXX says that I received XXXX therefore I owe the money. I never signed for XXXX cards. XXXX had no authority to charge my card, and I never received the XXXX cards. Chase does not want to be responsible for the charge.
Product: Debt collection

I have contacted this collection company three times requesting validation of an account that is being reported to credit bureaus for XXXX XXXX in the amount of {$1800.00} and for the amount of {$500.00}. This company is reporting two different times with two different amount with the same account number. The first written letter was sent on XX/XX/2020, XX/XX/2020 and XX/XX/2020. On my credit report with credit bureaus it reflects that the account that was disputed meets FCRA requirements and this collection company fail to respond to my request of validation. This company has ignored the request for validation three times and this inaccurate information that is being reported to credit bureau has hurt my credit score and my reputation. I have given this collection company plenty of time to give me validation but they have failed to provide me with the information.
Product: Mortgage

I had a loan with National City Bank and subsequently learned that National City Bank had been sanctioned by the DOJ and CFPB for unfair discrimination against XXXX/Americans and XXXX. National City Bank was supposed to make payment on this class action law suit during the first part of this year. They have not paid and offer no date as to when they will pay or any substantial information.
Product: Debt collection

Brief summary. An old capital one Capital one account from XXXX, balance was incorrect and when I disputed it and it reappeared on my credit report as a debt as of date of dispute XXXX. I Received a letter from my courthouse stating that capital one wanted to to sue me, I receiver nothing from the company capital one themselves. I was thrown off and confused by the whole ordeal, I actually thought it was some sort of scam until I contacted the court house by phone. I have not heard anything since from either the court or capital one. I would like this removed from my report for inaccuracy. Be careful when choosing Capital One, they will scam you by repost old debt that was paid off!
Product: Student loan

I was falsely under the impression that this loan was under a deferment or forbearance like other student loans during this international crisis. Apparently, this did not apply to my private student loan. 

This company, Mohela, has put me in financial dire straights before, forced me into bankruptcy, and caused immense amounts of stress on my family due to their horrible communication practices and unwillingness to assist in any way. 

In XXXX, I filed for bankruptcy under pressure from a defaulted student loanwith Mohela. This student loan had fallen into bad standing as I had called Mohela to file for an economic forbearance option and was not informed I had only placed this option on the federal student loan held by Mohela, not the private student loans they also serviced. 

I came out of bankruptcy in XXXX, expecting to have accounts reset and be able to start with a fresh slate, and Mohela had not done any of these things as my other accounts with other creditors had. My forbearances were never reset, I was out of any available options when financial hardships arose, as they had already exhausted these options prior to and during the bankruptcy. 

When the bankruptcy period was over, and payments resumed for this loan, they were entirely too high for my family to afford. We contacted Mohela to put a payment adjustment in place, and they do for a time, but it expires, and each time, we file for a new modification. They want more and more information, and they do not contact us to tell us it's missing. You must log in to the website to find details. 

This year, as stated before, I erroneously thought this company would be giving us relief due to the pandemic, and instead, what they did could only be considered postal harassment. We tried to apply for a payment deferment in XXXX, a payment modification, anything to help get us through, and they denied us for missing income verification. 

Now we are receiving letters telling me I have defaulted on this loan, and to contact the legal department, during a global pandemic, during an unprecedented time, and during a time when student loans were supposed to be offering relief. 

I am feeling backed into a corner here. They offer no options to help.
Product: Student loan

I have worked as a XXXX XXXX sinceXX/XX/XXXX to present. I worked for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX toXX/XX/XXXX and for the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXXto present. I certified both employers with the PSLF program. I have been making payments on my loans since XX/XX/XXXX without interruptions, deferrals, forbearances, or late/incorrect payments. On XX/XX/XXXX, I received a payment-tracking letter stating that I had made 40 qualifying payments from XX/XX/XXXX to XX/XX/XXXX. This is incorrect. I have made 51 qualifying payments from XX/XX/XXXX to XX/XX/XXXX ( 4 years and 3 months = 51 months ). I made numerous calls to inquire about the 11 missing payments and onXX/XX/XXXX, and XXXX XXXX XXXX  requested an audit to correct the payment tracker. It is now more than 10 months since the audit was requested and I have not yet received the results of the audit.

Although the payment tracker is missing 11 payments, a XXXX XXXX XXXX  agent ( Employee ID XXXX ) told me that following 9 payments are the only payments at issue : 1. XX/XX/XXXX- XXXX XXXX XXXX 2XX/XX/XXXX- XXXX XXXX XXXX 3. XX/XX/XXXX- XXXX 4. XX/XX/XXXX- XXXX  5. XX/XX/XXXX- XXXX  6. XX/XX/XXXX- XXXX  7. XX/XX/XXXX- XXXX  8. XX/XX/XXXX - XXXX XXXX 9.XX/XX/XXXX- XXXX XXXX XXXX  I have uploaded all the documentation I have to XXXX XXXX showing that these payments were properly made. Every month I call to follow-up on the audit and I am told that all missing payments are still at issue they can not tell me when the audit will be complete. There is a Massachusetts law suit brought by the MA attorney general about this same issue. In addition, numerous classmates I have contacted in CA report similar issues with their payment tracker being incorrect and being unable to resolve this issue with XXXX ( despite having documentation showing payments were properly made ). Please let me know if you need any additional documentation.

Thank you, XXXX
Product: Mortgage

I've been in the process of closing with Chase Bank for weeks. The last week or so, they have been less responsive and lacked communication when it comes to matters of closing. I was supposed to close on Friday, XX/XX/XXXX at XXXX XXXX  CST ; they were in the process of reviewing my final disclosure for days. They were late and unresponsive with getting this completed on time, even after pushing back closing to XXXX XXXX  that same day. Now that I've rescheduled the closing to Monday, XX/XX/XXXX at XXXX XXXX, they still do not have any idea on when they will have everything ready for closing, even after assuring me that it would be ready. It seems like they do not care about when things get done and how it is effecting their customers and others. Their lack of judgement and communication is going to cost myself and the sellers money to adjust to this, as well as lost work hours for myself. This is unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXX XXXX Account # 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: Debt collection

They would call repeatedly and not say a word. Then they called me once cursing and using offensive language. I told them you have the wrong number and they dont care, they keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open an account with XXXX XXXX XXXX XXXX. This is a fraudulent account.
Product: Credit card or prepaid card

With the prepaid card " paysign '' through bank of America produced for the company XXXX XXXX, on Saturday, XX/XX/XXXX between XXXX and XXXX XXXX charged a fee separately for multiple declined transactions at the same location where no money was spent as it is not possible to overdraw through this account. 

After checking the cards " complete '' list of fees, there is no mention of a fee for declined transactions, and further more, I am unsure if it is even legal to charge a fee for a transaction that never took place, disclosed or otherwise.