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

XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX  + Miscellaneous ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Miscellaneous ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, I am currently trying to purchase a home and my credit been hit numerous of times Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. This information is inaccurate and need to be addressed. Please correct information concerning all these inquiries. I am asking for a full investigation. Please fix this report effective and immediately. I am disputing the credit inquiries needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above.

Thanks in Advance
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history 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 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Debt collection

NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) has been fraudulently reporting on my personal credit. This account has been addressed with NCB and XXXX under the fraud they have committed against consumers. I have sent certified mail return receipt and still its reporting. This debt with XXXX is FRAUD and they sold it to NCB after they claimed it was resolved. I am so tired and frustrated from these antics. How do they get away with violating a consumer. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to contact each and every company after someone applied for credit using my social security number with the following companies. I noticed unauthorized inquiries on my credit report. 
Tower Loan XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And a auto loan was applied for through several different lenders on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 Account Number:XXXX
Product: Mortgage

UNEMPLOYMENT SINCE XXXX KEEPS ASKING FOR BANK STATEMENTS WE DONT HAVE!!!!!!!!!!!!!!!!
Product: Consumer Loan

We have an auto loan and mortgage with Chase Bank. We got a home equity loan through our bank, XXXX XXXX. XXXX XXXX sent the auto loan payoff check for {$13000.00} which was received by Chase on XXXX/XXXX/2016. The check was made out to Chase Auto and included the auto loan account number. We waited about a month and when our loan was n't paid, we contacted XXXX to find out where our payment was. That 's when we discovered the check was posted to our mortgage loan, {$2400.00} to our monthly payment and {$11000.00} to the principle. The check processor hand wrote the mortgage account number on the check. We then called on Thur XXXX to have the payment transferred from mortgage to auto loan. During the call, we got disconnected. After calling back on Fri XXXX, they told us it would be transferred within 2 business days. We waited 4 business days and called back on Thur XXXX when it had n't transferred. They then told us they would correct the issue while we were on the phone. Today we called on Sat XXXX and they told us it would take until XXXX XXXX to have the payment applied to the auto loan but has already been removed from the mortgage account as a misapplied payment. Of course, this also means we have to continue making monthly payments until they resolve this issue and get the money transferred.
Product: Student loan

I spoke to XXXX this morning regarding my payment history. I was informed that they do not have my account history and stated that any history older than XXXX years is not retained. I have XXXX tax forms for XXXX and XXXX that list XXXX 's address for my loan servicer and I confirmed with XXXX that XXXX was my loan servicer during this period. XXXX has sent me an email stating that I need to contact XXXX, which I have already done and have still not received this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

U guys did a back ground credit report with out my ok i am upset over this u had no right to do so i am filing a complaint against u because of it
Product: Credit reporting or other personal consumer reports

I disagree with the information listed in the consumer report after your investigation. I demand that these items be immediately reinvestigated. Several notices have been sent to each CFO ( XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) and XXXX XXXX ( Equifax ) for verification. A copy of these notices has been attached. The inaccurate and unauthorized information are very harmful to my creditworthiness and my ability to extend my use of credit. Previous information that was brought to your attention as verified was recently deleted after reinvestigation. I also request that you provide me with details regarding the method used in conducting the investigation, including the names and contact information of any individuals involved, and a summary of the procedures followed. I expect to receive a written explanation of the results of the investigation, along with an updated copy of my credit report reflecting any necessary corrections or deletions. 
Unauthorized Accounts : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. These below accounts were not authorized by me. If these agencies are verifying that these accounts are authorized by me, I am demanding to see the original signed agreement or contract that grants them authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Late Payments, I dispute the accuracy of these late payments as they are erroneous and do not reflect my payment history accurately. Its information falsely manipulates my credit worthiness and it's hurting my ability to obtain the best credit rates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to JPMCB CARD XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or JPMCB CARD 's customer service representative.
Product: Debt collection

i have ask on a number occasion to validate.and XXXX have refused to supply me with the information. This account is over 7 years old.
Product: Mortgage

My mortgage was bought by M & T Bank a few years ago. I had problems making payments for past few months. I reached out to M & T Bank. The options which they gave me only would cost me more money. In   XXXX   I applied for refinancing with another company. Every thing went well. On   XXXX   XXXX  , M & T Bank advised new lender that payoff for mortgage was {$70000.00}. This payment was for money due M & T Bank from   XXXX   through   XXXX  .
On  X/XX/17  a payment of {$1200.00} was cashed by M & T Bank. This payment was my late payment for month of   XXXX   XXXX  . M & T Bank received two payments for the month of   XXXX   XXXX   Both new lender and M & T told me that Payment of {$70000.00} was received by M & T  Bank on   XXXX   XXXX  
On   XXXX   I was informed by   XXXX   XXXX    of M & T Bank that M & T Bank had received payment of {$70000.00}. I asked about the payment of {$1200.00}. She said that money had been sent to us.
I was not satisfied with previous information and I called again M & T Bank. The last call l made I spoke to  XXXX . I asked him how to make a complaint. He took internal M & T Bank complaint. I called earlier this week and again   was given the runaround.
Product: Credit reporting or other personal consumer reports

I need the method of verification and discrimination of procedure. I need all of the information retrieved during your investigation that proves this information is correct. I need this provided to me within 15 days and if you cant, it must be deleted. This method is of verification 15 USC1681i ( a ) ( 6 ) ( B ) ( iii ). According to the FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item.
Product: Credit reporting or other personal consumer reports

I have a couple hard inquiries that I did not authorize, i did not give permission for my credit to be ran, and i would like them to be deleted immediately off my credit report. I have filed a report with the ftc and would also like for those inquiries to be deleted off of my credit report.
Product: Debt collection

I don't recall having a contractual relationship with this collection company CENTRAL PORTFOLIO CONTROL. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. This was never investigated property. XX/XX/XXXX for the amount of {$15000.00}. During the pandemic myself and partner lost jobs couldnt pay rent. Went through a program that provided a check for back rent and XXXX center claimed they never received the check even though the courts and program kept reiterating that the check was sent. We went through a whole process and issues with the property manager for her to then quit. Experian never investigated this properly and now I cant do anything good with my credit. Next issue is XXXX XXXX XXXX. XX/XX/XXXX for sprint in the amount of {$4100.00} That was paid in full about 3 years prior and I KEEP disputing that charge on my credit.
Product: Debt collection

Fox Collection Center is attempting to collect a debt in the amount of {$110.00} from me for a radiologic ( medical ) service I did not receive in 2015. I have disputed this collection with all 3 credit bureaus resulting in both XXXX and XXXX deleting the collection. XXXX refuses to delete or help me in validating this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian I have been seeing authorize I information reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1666b ( a ) 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: 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 U.S. Code 1666b - Timing of 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. The late payments on XXXX XXXX XXXX XXXX are current and open, there should not be any late payments reported and I have not received any documents showing these late payments within the 21 days before due payment. Please remove and delete the late payments attached to XXXX XXXX XXXX XXXX from my credit report The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1679c disclosures. Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. Department of educationXXXX student loans are over 7 years old. Please remove these accounts and delete the late payments attached from my credit report. According to code 15 USC 1681. The companies listed below 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 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 ) ( XXXX ) 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. 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX Date Opened : XX/XX/XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date Opened : XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Date Opened : XX/XX/XXXX {$8200.00} DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date Opened : XX/XX/XXXX {$920.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$7300.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00} ; XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$660.00} ; XXXX  XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Using my United Visa Card I have held since XXXX I purchased 11 first class tickets from United Airlines for a once in a lifetime family trip to XXXX. I spent {$29000.00} on the tickets and another {$1900.00} on insurance from XXXX. The trip was cancelled due to the pandemic. United refuses to issue a refund, instead vouchers. Insurance wont pay because the vouchers were offered. Credit card company isnt responding. I need my money back. All charges went on my United Visa for 11 of 12 tickets. The 12th ticket was obtained with bonus miles. To make matters worse, even though I bought all the tickets on one account United made this 11 separate claims with separate numbers requiring individual responses to further obfuscate the claim. United Visa should take off all ticket charges because the trip never happened and United Visa should delete payment to XXXX because their trip insurance was a complete sham. None of the companies customer service people had any sympathy at all.
Product: Debt collection

I have unauthorized accounts & inquiries on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed!
Product: Debt collection

Looks like pro collect has an amount that I owe to apartment complex XXXX XXXX XXXX in XXXX tx of XXXX which I am not responsible for that amount I move out the house as XX/XX/year> due to the other partner on the lease was causing XXXX  XXXX to me and my XXXX year XXXX child I want it to be removed because im not sure if the other partner pay the last month rent on time in the amount of XXXX
Product: Credit card

A balance transfer at 0 % apr, called XXXX in my statements ( {$4200.00} ) expired on XX/XX/XXXX and went to XXXX XXXX. I made a payment of {$4200.00} on XX/XX/XXXX which should have avoided any interest being charged to my account but citi have been charging interest in every statement since then. I have attached statements from XX/XX/XXXX - XX/XX/XXXX. I called citi several times but they did not help. Please review, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : XXXX VISA ( XXXX ONLINE PURCHASE  ) is trying to steal money from my BBVA Debit card ending in XXXX. I purchased XXXX products on XX/XX/2020. The total for purchase ( after returning 2 items ) is {$59.00}. 

Summary : 2 items from order numbers ( XXXX ORDER : XXXX THROUGH XXXX ORDER : XXXX ), have been returned. 

( 1 ) XXXX XXXX XXXX ( CHESTNUT ) WERE DAMAGED, AND ( 2 ) XXXX XXXX XXXX XXXX XXXX ( NOT WANTED, WRONG SIZE ) Both XXXX AND XXXX ARE REFUSING TO ISSUE REFUND REGUND {$26.00} ( what I Am Due ). The XXXX XXXX XXXXs purchased ( Cost : {$75.00} XXXX {$20.00} REWARD COUPON, Tax {$4.00}, TOTAL : XXXX ). XXXX HAS SLREADY DEBITED MY BBVA CARD {$86.00} ( 1 installment of {$350.00} ) ; however, with the returns, I MO LONGER OWE THEM, THEY OWE ME {$26.00} I have contacted both XXXX ( telephone and email ) and XXXX to no avail. XXXX IS STILL TRYINGVTO STEAL MONEY I DO NOT OWE THEM. 

NOT {$26.00}. PLEASE SUCCESSFULLY PROCESS {$26.00} ( ADDITIONAL XXXX ). XXXX, YOU DO NOT HAVE AUTHORIZATION TO DEBIT FORM OF PAYMENT BBVA CARD ENDING IN XXXX FOR XXXX ORDER : XXXX, XXXX ORDER : XXXX. 

BBVA has been contacted and a dispute filed XX/XX/2020 ( MONDAY, TICKET NUMBER XXXX ). They are refusing to come into comportment with REGULATION E. I have to eat, they are too UNCOOPERATIVE. 


Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Debt collection

I have tried disputing this charge with several debt collectors through the last couple of years. Now, I have received a letter from ERC saying that I owe XXXX XXXX XXXX {$6300.00}. I have never had an account with XXXX XXXX XXXX, do not currently have an account or plan to have an account with them in the future. I wrote a letter to ERC telling them that my identity was stolen in 2018, that I have been disputing all the charges that accumulated by the person who used my identity and for this to be removed from my name and not pursued for this debt that I did NOT do and ensure that it not be on my credit. I sent in a copy of my original FTC report and copy of my drivers license with all my current contact information. No one responded and when I spoke to the last company, they were accusatory and did not accept any of the information I was offering.
Product: Credit card or prepaid card

Vanilla agreed that they owed me {$72.00} and they would send it in a check with XXXX  that would have been here back in late XXXX. That was just more of the XXXX. I have received nothing and wasted at least 20 hours with that company. I am sick and tired of all this XXXX. Vanilla should be not be allowed to do this to people. Thank you