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

I am absolutely livid about the inaccurate and derogatory information you have included in my credit report. The Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any information that I believe is inaccurate, and it is infuriating that you have not taken this seriously. You had one job, and you failed miserably. 

It is outrageous that you did not document and validate the data in my report before making it available to creditors. The allegations of delinquency and derogatoriness against me are completely false, and I will not stand for this kind of slander. I will fight back with every ounce of strength I have. 

Your reporting does not meet basic federal or state requirements for reporting, and it can not be confirmed. I challenge your claim because it lacks compliance with the basic standards that would make me feel confident in what you're saying. You are required by law ( FCRA ) and reporting standards METRO 2+ to maintain and report data with complete accuracy and compliance, yet you have failed to do so. It is completely unacceptable. 

It is your responsibility to ensure that all of your claims are accurate and reported in the correct format. Failure to do so could result in serious consequences for you. This letter serves as notice that you are not doing your job properly, and I demand that you resolve this issue immediately. I am giving you 30 days from now ( the date of delivery ) to rectify this situation, or else there will be serious consequences. 

I want physical proof of your actions and my updated credit report. The listed claims in my report are clearly inaccurate, and I demand accurate and verified information for each claim. If the allegations are indeed false, I will delete them immediately. Don't make me come after you with everything I've got. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Re : Claim Number : XXXX Date of Loss : XX/XX/XXXX Named Insured : XXXX XXXX XXXX : XXXX XXXX XXXX Dear Madam : This letter is to inform you that your vehicle, XXXX XXXX XXXX XXXX XXXX ) has been declared total loss as a result of the above mentioned loss. 
As of today, your claim has been paid, in the amount of {$7500.00} to XXXX XXXX XXXX XXXX, and is currently closed. 
If you have any further questions please feel free to contact us at the number listed below. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX Claims Representative ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX | XXXX | Florida | XXXX | XXXX  ( XXXX ) XXXX | XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a dedicated and responsible customer since opening my unsecured loan account ( account number XXXX ) with Upgrade Inc. on XX/XX/2024. Unfortunately, I encountered a one-time financial hardship that resulted in a late payment in XX/XX/2024. This isolated incident does not reflect my usual payment behavior, as I have consistently made timely payments before and after this instance. I am requesting a goodwill adjustment to remove the late payment mark from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submited an FTC Identity Theft report numerous times via mail and via fax to Equifax and they are refusing to remove the information that is falsely reporting on my credit report. I received a paper copy of my full credit report, dated XX/XX/XXXX, via mail from them stating ( page 4 ) that " the disputed item is not currently reporting on the equifax credit file ''. The compananies on the mailed paper document that I disputed under inquires shows as XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX. In this same exact report on page 64, those same companies are displaying under inquires ( XXXX XXXX XXXX XXXX, XXXX XXXX ) and there are two other companies I do not recognize and that are not on my online report with Equifax ( XXXX on XX/XX/XXXX , XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ). These new company names seem to be consistent with dates of the original inquiry disputes I submitted ( XXXX ). I have pulled my credit report online as of XX/XX/XXXX and the following company inquires are listed on my current credit file still ( XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( listed 3 times ). This company is being contradictive, information is inconsistent, I requested proof for all of the accounts I disputed on my credit report ( original signed contracts or agreements with my signature ) on XX/XX/XXXX - still have yet to receive it, it has passed the 30 day window to provide it- which with the law states they should be removed, the paper credit report mailed is not consistent as to what is displayed online - inconsistent and inaccurate reporting which is affecting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXXXXXX 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 PLEASE REMOVE OTHER NAME ON MY CREDIT REPORT I ONLY GO BY XXXX XXXX ', PLEASE REMOVE ADDRESS I LIVE AT 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 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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

When looking at my credit report I found that there was a major error on my account. I am suffering from XXXX XXXXXXXX  due to this. I need to buy a new house and this error is causing big problems for me in my relationship because it is preventing my partner and I from getting our home. I need this error removed immediately, my rights are being violated and I demand this inaccuracy be corrected at once.
Product: Credit card

At the end of the year XXXX I had dental treatment and used a Care Credit card that was approved for me worth {$3000.00}, of which I used {$2600.00} for my treatment. I had to make minimum payments of approximately {$60.00} and to pay quickly I decided to make recurring payments of {$100.00} each month. Since that same month I started making my payments ... and as of today I have a balance of XXXX and I have an available balance of XXXX. So I have paid more than {$1300.00} to date and I still owe them much more than I used the card. Below I show you how I was charged these ABUSIVE INTERESTS : Note : Extra charge for PYMT without authorization XX/XX/XXXX Posted {$49.00} PYMT CARD SECURITY XXXX InterestXXXX XXXXPosted {$69.00} INTEREST CHARGE ON PURCHASES Payment XXXX XXXXPosted {$100.00} AUTOMATIC PAYMENT FeeXXXX XXXXPosted {$49.00} PYMT CARD SECURITY XXXX Interest XXXX XXXXPosted {$69.00} INTEREST CHARGE ON PURCHASES PaymentXXXX XXXXPosted- {$100.00} AUTOMATIC PAYMENT - THANK YOU FeeXXXX XXXXXXXXPosted {$49.00} PYMT CARD SECURITY XXXX XXXX XXXX {$66.00} INTEREST CHARGE ON PURCHASES PaymenXXXX XXXXPosted {$100.00} AUTOMATIC PAYMENT - FeeOct XXXX {$48.00} PYMT CARD SECURITY XXXX InterestXXXX XXXXPosted {$70.00} INTEREST CHARGE ON PURCHASES PaymentXXXX  XXXXPosted {$100.00} AUTOMATIC PAYMENT - FeeSep XXXX Posted {$48.00} PYMT CARD SECURITY XXXX InterestXXXX XXXXPosted {$63.00} INTEREST CHARGE ON PURCHASES Payment XXXX XXXXPosted- {$100.00} AUTOMATIC PAYMENT - FeeXXXX XXXXPosted $ XXXXPYMT CARD SECURITY XXXX InterestXXXX XXXX Posted {$130.00} INTEREST CHARGE ON PURCHASES PaymentXXXX XXXX Posted $ XXXXAUTOMATIC PAYMENT - FeeXXXX  XXXXPosted {$47.00} PYMT CARD SECURITY XXXX Interest XXXX XXXXPosted {$150.00} INTEREST CHARGE ON PURCHASES PaymentJul XXXX {$100.00}
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Charge-Off Accounts on Credit Report Dear XXXX, I am writing to dispute multiple accounts listed on my credit report as " Charge Off. '' The disputed accounts are : Account 1 : XXXX, XXXX, XX/XX/XXXX Account 2 : XXXX, XXXX, XX/XX/XXXX Account 3 : Capital One, XXXX, XX/XX/XXXX Account 4 : Capital One, XXXX, XX/XX/XXXX Account 5 : Capital One, XXXX, XX/XX/XXXX The basis for this dispute is that a Charge Off is considered " income '' for the creditor, and " income '' is not allowed to be listed on a credit report. This is in violation of the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code. 

According to the Internal Revenue Code, 26 U.S.C. 451, a Charge Off is considered taxable income to the creditor. As such, it is not a debt that can be reported on a consumer 's credit report. 

The FCRA, 15 U.S.C. 1681c, prohibits the reporting of income or debts that are not owed by the consumer. Since a Charge Off is considered income to the creditor, it does not meet the criteria for reporting on a credit report.

Furthermore, the Consumer Financial Protection Bureau 's ( CFPB ) guidance on credit reporting emphasizes the importance of accurate and complete information. Reporting a Charge Off as a debt is inaccurate and misleading.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX do not report my payments to XXXX XXXX, due to changes of owner 's banks accounts acquired since XXXX. 

A complained was submitted on XXXX and XX/XX/XXXX to the bank and they resolved the issue indicating that I had requested directly not report my payments. I already contacted XXXX on XX/XX/XXXX and they confirmed that any person can not request the agency doesn't sent payments reports to the XXXX XXXX. 

It was requested present evidence of any letter from my part. The bank didn't present any evidence. 

At this moment the loan is already fully paid, and the bank did not report to XXXX.
Product: Money transfer, virtual currency, or money service

I have tendered a special deposit to Experian for the settlement of all debts on my account in the amount of {$270000.00} and their response has been no response. They have been unresponsive unprofessional and they haven't applied my funds for debt settlement or sent my check back and have been holding it hostage since XX/XX/2023 tracking number XXXX. They are currently commiting fraud, theft, and extortion and i will follow the necessary legal actions to bring them and all parties involved to justice. I have contacted their accounts receivable department and other departments with no help from Experian at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent letters ( XXXX, XX/XX/2021 and XX/XX/2021 ) to Equifax to verify information on my report. They have continued to respond alleging that the information is accurate/valid. They have not to this day, sent me any agreement with any of these companies that bears the signature of the alleged debtor wherein I agreed to pay the original creditor. The obligation between the companies and I that allows them to collect on the alleged debt and any transactions between these companies that binds me to an agreement to pay them any money that they claim I owe. Payment history with these accounts is showing inaccurate with some being different than other reporting agencies, which is also proof that Equifax did not verify any of this information to be accurate or valid. I am showing incorrect payment history for the below companies on my report for Equifax, and therefore are demanding that they delete those accounts. A collection/chargeoff account by default is considered late. 

XXXX. XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, XXXX. XXXX - XXXX, XXXX. XXXX - XXXX, XXXX. XXXX  ( violation under HCFA Law ) collection with no name, XXXX. XXXX
Product: Student loan

I made a payment with AES in early XX/XX/XXXX. I asked that a scheduled payment be cancelled. The customer service representative agreed. The payment was not cancelled. 

Today when I called to ask about the cancelled payment, I was told that my money would be returned in 7 to 14 days. After 14 days, I checked and discovered that my refund has not been processed. On this call, I was told that ( 1 ) the refund request was being reviewed, ( 2 ) the review process can take 10 days and ( 3 ) if the review results in a refund, it will take 30 days for that refund to be issued. 

I was concerned because none of this information was shared in my previous call. I asked the customer service if the process for refunds was listed online because I would like to review it. The representative checked and said that the process was not online. She asked if I wanted to see if the policy could be sent to me. I said yes. The company agreed to send me a special letter outlining their process. 

The process for this company should be ( 1 ) clear and ( 2 )  easy for the customer to find.
Product: Student loan

XX/XX/2007 XXXX XXXX XXXX XXXX XXXX {$39000.00} This loanwas transferred to AES American Education Services My loan stated about 22,000 and beed {$39.00}, XXXX for many years.All the mony I pay goes towards interest only. I asked them to lower the interest rate. They informed me that they do not refinance. 

I went to XXXX XXXX XXXX at XXXX XXXX Univ. My contract I was to get alife time re-training. However, I never finished the school. 

I am having a hard time finding anyone that will refinance these loan.Can you provide me with a list of companies that will refinance? Mt current interest rate is 8.25 %. 


I will provide document upon request. I do not have much.
Product: Debt collection

XXXX XXXX XXXX / {$2500.00} XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX )/ XXXX / {$880.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Experian refuses to dispute my inquiry into accurate reporting stating the following. 


You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute.
Product: Checking or savings account

Dear Citi Headquarters, I would like to discuss an issue regarding a CD I purchased online Citi APP Due to missing the deadline to notify Citi to redeem the principal, the CD was automatically renewed, resulting in a penalty of {$630.00}. 

I have proof of being outside the U.S. during this period ( attached : my return flight ticket from XXXX XXXX XXXX XXXX ). Additionally, I never received any renewal reminders from Citi, nor was I clearly informed of the renewal rules. This oversight on Citi 's part has caused me a loss of {$630.00}. 

I kindly request a refund of the penalty and would appreciate your assistance in resolving this matter. 

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

In accordance with the fair credit reporting act XXXX  account number # XXXX XXXX has violated my rights.

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 my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under any open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. ( A5 ) 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 7 years.

15 U.S.C 1681s-2 ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 

I demand this be updated to paid as agreed on all 3 credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displays innacurrate employer information ( i do not work for XXXX XXXX ) i work for XXXX
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the XXXX data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to XXXX XXXX XXXX and Experian Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately! 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all credit reporting agencies block all of the accounts, collections and hard inquires identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this complaint be sent to me via email to the email provided and a new updated credit report be mailed to the address listed on file as current. Please block and delete the following XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I'm unaware of them, and the company acted without my consent.
Product: Mortgage

I applied for a mortgage refinance with New York Community bank XX/XX/XXXX with a 60 day rate lockin. No one from the mortgage department communicated me the status on the loan after repeated attempts. Finally after speaking to management my loan was approved and closing was confirmed for XX/XX/2016, however, even after confirming the closing time, date and place the bank representative did not show up at closing and never bothered to communicate to us that closing would have to be postponed. ( UNPROFESSIONAL on the part of bank and Title company ). NYCB mortgage company points a finger at the Title company ; maybe it was the title company but NYCB mortgage still failed to communicate to me the customer that the closing would have to be postponed. I went to the bank branch for a closing with the appropriate documents and closing money and no one at the bank had any idea about a closing to be done at that branch, ( again NYCB mortgage department failed to communicate with the NYCB bank branch ). NYCB Mortgage Company operates in a very unprofessional, unethical and incompetent manner. I ended up cancelling my mortgage application and went with a mortgage broker and got better service.
Product: Debt collection

Received a letter from XXXX XXXX XXXX, XXXX to take me to superior court of California for a debt that is XXXX years old! The collection company or attorneys are Zwicker & Associates, P. C. in XXXX, CA XXXXThe Credit Card is XXXX.
Product: Student loan

I 've been faithfully paying to Genesis lending since I was enrolled in school, monthly. I made sure my payments were always on time so my credit would n't go down. I then found out that the school I attended was closing, and my private loan was being sold to another company. Even though I 've still been making payments, there is no history of my previous ones to Genesis Lending, nor has it been reported to credit bureaus about on time payments. I do n't understand why I still need to make payments if this was a scam and the school forced this loan on me.