23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 1. account name XXXX XXXX account number XXXX date opened XX/XX/XXXX {$600.00} balance Account XXXX XXXX DPT Treasury Account number XXXX {$440.00} balance Account number # 3 XXXX Account number XXXX date opened XX/XX/XXXX balance XXXX has ALL 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

Collection agency Portfolio Recovery Associates is trying to collect debt on an invalid account for {$670.00}. According to California Code of Civil Procedure 337 ( 1 ), the statute of limitations for a written contract is four years. Under 339 ( 1 ), the limit for an oral contract is two years nor do they have a contract with my signature stating that this account is mine. Providing specific dates, a bill or other inquiries doesnt make this account mine. On my XXXX, XXXX and XXXX Credit report this invalid account reported its delinquency on XXXX 2013 which is past Californias staue of limitations.
Product: Debt collection

Debt Validation Request SYNCB/CARE CREDIT SYNCB/American SIGNATU SYNCB/ASHLEY HOMESTORE Account Number : XXXX Account Number : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods.

For my debt validation methods these are the things I would require from you. I would require the following information : To validate this debt, I require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt.

2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action.

3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency.

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company.

Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days.

Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel.

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION 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: Credit reporting or other personal consumer reports

On Monday XX/XX/XXXX, I was out shopping for homes to support my family. We came across a home we all loved. We had XXXX, a mortgage company run my credit and come to find out my credit had dropped over XXXX points. Which was mind blowing at first and unfortunately made us not qualify for a lower rate on the home. And the reason for the sudden drop in credit came from unexpected student loans. Come to find out my student loans have gone 90 days past due and I never knew I had to pay them. Not a single phone call, email or mail to my home. I called nelnet student loans the next day and talked to 2 people and both people said I do not qualify for grant you a courtesy one-time late payment removal for my most recent lates. Even though I was never notified. I then proceeded to pay off the XXXX XXXX they said I had owed. In additionally, my father and I already pay for my student loans each month so that's the only loan I thought we had to pay for not knowing there was more loans under my name. I just find is very frustrating that they can't give me a first time waiver for missing a payment I was never told about.
Product: Mortgage

I began the process of refinancing my home in XXXX. This was my second refinance with Chase so I was relatively familiar with the process. At the time I placed what was supposed to be a refundable XXXX XXXX dollar deposit to secure my rate. 

Contact with my broker has been limited, he often takes a week or two to get back to me. After what was much longer than the initial time-frame indicated, he had an offer that was much different from what it began as. The lenders were apparently heavily scrutinizing my income source and were refusing to recognize the value in shares I own in the company as equity. It being a company started in 1996, with XXXX locations in XXXX states and over XXXX employees, to which I have been able to prove I own over XXXX percent. Both my attorney and accountant have supplied everything the lender requested to substantiate my ownership, but they said it not being a publicly traded company, my shares were not even worth the XXXX XXXX dollars I needed to prove I owned. The XXXX XXXX dollars of annual gross revenue did n't matter to them, nor did the XXXX XXXX dollars in assets which our tax returns correlate. 

At this point I indicated that the only cause for scrutiny was the fact that our business was not mainstream, ( we are a chain of XXXX ) that they were unfairly discriminating against me, and I wanted management involved at this point. I also requested a letter with all of the specific reasons for delay and any adjustments to the offer also being explained and itemized. That was almost two months ago and I have n't received anything other than an initial response that they 'd get right on it. 

I know I 'm being discriminated against, that my company is being unfairly judged despite sufficient documentation, and that Chase is trying to sweep me under the rug. I also know that I have rights in this situation and am looking for assistance defending those rights. If there 's any help your offices could lend me or direction you could steer me, I 'd be deeply appreciative.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

contact credit bureau and very seasoned international experts, possible, the interplay between XXXX year old data pattern, possible from usa, possible from other country. 
possible linked with other action by relatives from other country. use artificial intelligence software to understand that this is only a ramification of this. 

XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent in a letter to XXXX asking them to reinvestigate some inaccurate information I found on my report. I asked them to provide me with verifiable proof of these inaccurate accounts, and if they couldnt to Delete the accounts. To this date I have not received a reply.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of these accounts and inquires that are unauthorized from my credit report. Down below I have listed the inquires and charges that have been inaccurately reported on my credit report. Also for the removal of the inaccurate information on my personal information. 


XXXX. XXXX - XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX XXXX. XXXX - XXXX XXXX Date opened XX/XX/XXXX XXXX. XXXX - XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed the following account XXXX XXXX XXXX ( XXXX ), XXXX BANK ( XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX ) I requested that Equifax do a in depth investigation of this account reporting as the account details are not reporting accurately. I also requested that this company remove the inaccurate reporting from my consumer report within 30 days! Equifax has yet to respond to my dispute. I would like for this account to be removed immediately as it is affecting my privacy.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mail. XXXX received my letter on XX/XX/year>. My letter was sent pursuant to 15 USC 1681 ( a ) ( 4 ) regarding negative information being reported by a XXXX  XXXX in the files belonging to XXXX associated with XXXX XXXX XXXX and XXXX. In my letter, I asked XXXX to verify and validate the information with the court and provide me with copies of any documentation granting XXXX granting them authorization bearing my wet signature to report this information in accordance with 15 USC 1681 ( b ) ( 2 ). 

On XX/XX/year>, LexisNexis sent me XXXX separate letters via XXXX Mail acknowledging they received my dispute letter on XX/XX/year>. In addition, LexisNexis stated they are disputing the information on my behalf with the credit buraus ( XXXX, XXXX and XXXX ). 

On XX/XX/year>, I responded to the XXXX letters from LexisNexis through their XXXX XXXX XXXX as they instructed. I told LexisNexis I never gave them permission to dispute anything on my behalf with XXXX, XXXX or XXXX. In fact, I informed LexisNexis the information is being reported by LexisNexis and they purport they obtained the information from the Courthouse. 

Therefore, LexisNexis failed to conduct an investigation and violated my rights. They had no business contacting the credit bureaus when they are the ones reporting the disputed information. 

It's been almost XXXX  days since I sent my original request. LexisNexis should be ordered to delete the XXXX  information IMMEDIATELY from both of their consumer numbers they have on file with me for violating the law and my rights.
Product: Debt collection

I am writing to dispute the accuracy of the information on my credit report. It has come to my attention that you have not removed the accounts in question despite the fact that the other bureaus have already removed them from their records. It is my belief that there was an error present in the information that was reported to your bureau, which is why the other bureaus were able to find it and remove these accounts. I am confused as to how you have verified the accuracy of this information while the other bureaus have not. I am very confused as to why your bureau seems to be ignoring my requests. This is a request for deletion of a disputed item. I have attempted to have this inaccurate and incomplete reporting verified by the furnisher of information to no avail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX the XXXX at XXXXXXXX XXXX I had done a card to bank transfer from US Bank ReliaCard to XXXX XXXX for {$100.00} the transfer was never completed nor did it come back I was given two different Trace numbers and told to resolve the problem myself that they didn't do that because I was with a prepaid card that I didn't ask for I've asked for my pua pandemic payments to be direct deposited and they will not do it they say we have to have the debit card however the next one took place on XX/XX/XXXX at XXXX XXXX. a card to bank transfer from my US Bank ReliaCard accidentally done to XXXX XXXX XXXX for {$50.00} XXXX XXXX was contacted and they never received anything that they had turned around it never went to them and my bank is saying that they can't do anything but possibly put a trace on it and they want me to do the leg work and find out where it went myself I have asked multiple times to have direct deposit to my personal bank account for this main reason here somebody's taking the money and they're not returning it and I'm tired of fighting with them I can't give you the proof physically because I do not get paper statements and my phone will not allow me to take screenshots of the transactions for security purposes
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX Ga XXXX XXXX, Experian, XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

under 15 U.S. Code 1681e ( b ) Accuracy of report Whatever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy ot the information concerning the individual about whom the report relates.

15 U.S.Code 1681i ( 5 ) Treatment of inaccurate r unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that the item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

This is now my new communication regarding the unauthorized and inaccurate items on my credit report. These entries were added without my consent, knowledge, or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, a list of disputed items. I insist on the immediate removal of the following erroneous items from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$650.00}
Product: Credit reporting or other personal consumer reports

FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX XXXX LEXIS NEXUS XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX  ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) .FRAUDULENT INQUIRES : 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
Product: Student loan

I applied for the SAVE repayment plan and submitted my application on XX/XX/XXXX. It was reviewed by Nelnet on XX/XX/XXXX. According to the FSA website, my loan servicer has completed their review of my application. However, when I check Nelnet, it says theyre still reviewing my application. I reached out via phone and email on XX/XX/XXXX. I was kept on hold for too long and couldnt continue waiting. I never received a response to my email. I have tried calling numerous times throughout the month of XXXX to no avail. I am currently on hold as I write this, and have been on hold for 1 hour and 20 minutes so far. 
In the meantime I have accrued even more interest with absolutely zero communication from Nelnet about whats going on and absolutely no help when I seek it.
Product: Debt collection

The collection agency XXXX XXXX XXXX flagged my credit as a collection account on XX/XX/XXXX. The company flagged my XXXX, XXXX and XXXX reports for an amount of {$1300.00}. I immediately disputed this collection account because I have NEVER been contacted by this company via mail or phone. I have no knowledge of this company nor this debt they claimed I owed. By them unfairly placing this invalidated debt on my credit, my score dropped XXXX points on all three credit reports. In addition to that majority of my Creditors have reduced my credit limits, making this problem snowball into an even bigger problem. I disputed this collection account with all 3 Credit bureaus onXX/XX/XXXX. At the conclusion of that, XXXX XXXX still had not contacted me or sent me any correspondence to validate this debt. They in fact only updated the date they claimed to open this collection account. They now claimed to have opened this collection account XX/XX/XXXX, which was false. I have proof this account was reported in XXXX of XXXX. According to the CFPB Rule 12CFR1006.30 that took effect XXXX XXXX, it requires all Debt Collection agencies to contact the consumer before providing information about a debt to any Credit bureau. XXXX XXXX has broken the law and ruined my credit. If this matter can not be resolved, I do plan on taking it further to restore the damage they have caused me and my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 's : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) has violated my rights. 

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

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

I asked for proof of opening account with them and original signed contract I received a blank check they opened account in my name and cant provide me with original signed contract
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my accounts with all XXXX agencies last year. I called to have my Experian credit freeze lifted on XX/XX/15. They claimed they did and provided a confirmation #. However, I am told it is still frozen. 

I have attempted dozens of ways to get in contact with them and they are unresponsive. They overly rely on automated phone system that will not answer my question. I need to know if the freeze was lifted. 

I attempted to use their website, and someone had already logged on as me and used a different email. Now all of their comms are going to the fraudster 's email account. I can not get anyone to help me. They keep sending me to a phone tree that does not help, or a website that I can not log into. 

This is a company that I do not want to do business with. But I have no choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Crea Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

1XXXX XXXX  XXXX  XX/XX/2021 2- XXXX  XXXX  XX/XX/2021 3- XXXX XXXX XX/XX/2021 4-XXXX  XXXX  XXXX XX/XX/2021