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

Received credit reports. 

Contact us evenings XXXX XXXX MT. 

Require letters of deletion from XXXX XXXX. 
Credco excessive in 2020 timeframe XXXX or more. Causing us 2 % plus points on home loans through XXXX XXXX XXXX 

Unauthorized inquiry by CredcoXXXX. 

Caused us to end with XXXX XXXXCredco . 

No contact from this company for XXXX card/account never requested. Phone tag only/lack of response exists. 

Hard inquiries causing us losses in credit approvals. 


My name should only appear as XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Apartment Complex Is correct. 

XXXX XXXX  XXXX XXXX XXXX XXXX, NM XXXX is correct XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX is correct. 

Cellphone XXXX is correct Requesting fraud alerts on our SSNs. 

In my SSN. inquiries from XXXX XXXX and XXXX XXXX are certainly Fraud ID related. Excessive. Letters of deletion requested. 

XXXX XXXX Potentially Negative. Exists. Fraud related likely. Not a holder during time frame. Letter of deletion. 

XXXX letter of deletion requested. No knowledge of this company. Likely fraud related. 

No knowledge of XXXX XXXX inquiries. Letters of deletion. Likely fraud related. 

Massive duplication of Name, misspelling of addresses, exists. Fraud protection from FTC was requested previously. 

Thank you for your assistance. 

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

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on AutopaXXXX. 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 reported in ( MONTHS REPORTING LATE ) to be removed. 

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 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! 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open ''. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I continuously receive harassing calls from a company called XXXX telling me that they have papers they want to serve at my home address within a certain time frame. They also call my mother frequently throughout the day.
Product: Vehicle loan or lease

Three ( 3 ) times I notified by email Ms. XXXX XXXX  XXXX the branch manager of the XXXX, New Jersey branch of the Bank of America and her assistance Mr. XXXX XXXX that because of the coronavirus I can not make payment on my car loan from the Bank of America. They have yet to answer. I wrote to the President of the Bank of America in XXXX, North Carolina. He has yet to answer! 

The Internal Revenue Service has extended the tax deadline without late fee or interest from XX/XX/XXXX to XX/XX/XXXX. The Bank of America can XXXX well follow suit with regard to my automobile loan and my debit card and my rewards card! 

We are all in it together as President Trump and Vice-President Pence repeatedly say. This means that the Bank of America in order to be patriotic and American must do as I have repeatedly requested! And it is the humane and honorable thing to do!
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT 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 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

On XX/XX/XXXX I co signed on a car loan through credit acceptance. But in XXXX to my understanding XX/XX/XXXX I believe it was voluntarily repossessed by the other applicant. During that time the car was sold at auction and the balance to my understanding was left at XXXX. I have NEVER been contacted by credit acceptance until I reached out XXXX of this year and asked why not only was I NOT notified about the XXXX it had accumulated in interest charges but when I asked what I could do to get it taken off my credit I was told they could take it off for XXXX that same day or I could finance another car with them. I tried to get answers as to why I was never contacted about the debt and all I was told is they reached out. The only proof I was sent was a copy of the original contact. Im very upset because they have also updated my credit report several times with incorrect information in order for it to look like a new debt and allow more time for them to force me to pay whatever amount they ask. All Im asking is for someone to review the information. I am entitled to know of any debt in my name within a timely matter. They shouldnt be allowed to wait 5 years and then ask me to pay XXXX and never give me a chance to confirm the debt or allow me to make payment arrangements when the debt is in collections from XXXX
Product: Credit card or prepaid card

Due to an error of a 30 day late payment posted on my credit report on or about XX/XX/2018, I had endured several account closures and credit line decreases with Commenity Bank since that date. I noticed the error around XX/XX/2018 and I notified XXXX XXXX XXXX with the error and asked XXXX to remove the error. Then, I notified the credit bureaus and filed disputes in regards to the negative information and ultimately had the negative erroneous information removed successfully from my credit reports. However, Commenity Bank has continued to close and/or decrease credit and charge cards lines of credit using information provided while I was in active dispute of the 30 day late payment which was removed from my credit reports. 

This action of closing charge and credit cards is negatively affecting my credit reports and credit scores. At no fault of my own, I have been dealing with the consequences of an error made by a third party and suffering consequences as a direct result of the third party. I have never been over 30 days late for any payments on any accounts and I have never been with Commenity Bank. All of my accounts have had at least the minimum payments made on the due dates on all my accounts and I do not deserve my credit lines to closed or decreased when I am a good customer. Ignoring current credit scores and reports and using inaccurate information against me seems to be questionable on several levels. 
Were the credit bureaus required to send the corrections made to my accounts to my lenders?
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request 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 XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX FCU Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX XXXX XXXXXXXXXXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made payments to and paid off a loan with XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX, XXXX XXXX XXXX - XX/XX/XXXX, {$16000.00} ). XXXX XXXX claimed they reported these payments and loan to Experian. XXXX XXXX also contacted Experian and claimed it is an error on Experian 's end. Experian is still not showing this loan on my credit report. I have contacted Experian several times ( chat, telephone, online complaint ) but loan is still not showing on my credit report. This loan greatly affects my credit report which is needed to apply for employment, apartments, loans, etc., and has caused severe and detrimental harm to me.
Product: Mortgage

I am submitting this complaint because of how long my closing process has taken through First Citizens Bank. I originally submitted my contract on XX/XX/2021 at First Citizens Bank located at XXXX XXXX XXXX XXXX XXXX, VA. I was told I would close on this property in 60-70 days. I was told that I would close by the end of XXXX, then XXXX and now we are almost at the end of XXXX, 91 days from when I turned in my application and contract to the mortgage lender. The current owner has extended the contract once until XX/XX/2021, and is becoming very impatient, as am I. I am very displeased with this process and I hope it does not cost me the purchase of this house. I have reached out continuously to my lender in XXXX and my loan processor located in XXXX, SC, but they have not been helpful as this process continues to be strung along with no solutions to close in a timely matter. I have sent in all requested documentation in a timely matter, always right after it is requested. So I would like an explanation as to why we are 91 days from the start of this process and would appreciate a solution as soon as possible so I can close on this property before the contract addendum expires once again.
Product: Mortgage

i had two refunds for homestead exemption - one for XX/XX/XXXXand one for XXXX. The amounts were approximately {$620.00} and {$520.00}. huntington should have automatically done an escrow analysis when they refunds the funds, but did not. i'm paying an inflated house payment due to that. i was in forbearance because of money worries with covid. they couldn't care less about their customers. TWO CS reps. dropped off calls with me today. the first one had NO idea how to help and gave me the wrong amount of my house payment without taxes/insurance. today is requested an escrow analysis and seek to know WHY this wasn't done in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX. XXXX  XXXX XXXX, NE XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification : Dept of ED/ XXXX XXXX Unverified Account
Product: Credit reporting or other personal consumer reports

There are several " soft hits '' on my credit report these XXXX companies, Experian and XXXX XXXX keep automatic running my credit it looks like at least XXXX  times a month for over a year. I do not want this on my report and when I try to call the number provided on the report, it is not valid for Experian. All those " soft hits are adding up and I feel it is affecting my XXXX XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX. I have always made my payments on time. As you can see, I  have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING ( Original Creditor : 12 XXXX   XXXX XXXX  XXXX XXXX  ) and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

EXPERIAN continues to post fraudulent information related to XXXX fraudulent XXXX XXXX accounts. EXPERIAN was provided several FTC reports, Valid Police Reports & Identity Theft Information. It was outlined clearly that I work outside the XXXX and have done so since 2014. The address used under my name is a XXXX XXXX XXXX That XXXX XXXX XXXX compromised and personal information like social security number and ID were used to open the accounts with XXXX XXXX, several other credit card companies and banks. All providers with the exception oXXXX XXXX XXXX honored the information submitted and confirmed fraud. XXXX XXXX, with the help of EXPERIAN, continues to submit the exact same information to EXPERIAN, suggesting the accounts are valid. This is a flat-out lie and EXPERIAN continues to perpetuate this false narrative. I am demanding that EXPERIAN ( who removed the fraudulent accounts only to allow XXXX XXXX to submit the same garbage they submitted XXXX times prior ) once and for all do what is required under Federal Regulations and the state of California when it comes to companies posting correct information on credit reports, remove the XXXX XXXX accounts for good. Stop asking XXXX XXXX if the info. is valid, as they lie to damage consumer reports. You have an obligation under the law!!
Product: Credit card or prepaid card

I made an order on XXXX XX/XX/, order # XXXX, which was charged to my XXXX XXXX credit card for {$59.00}. The item wasn't received, so I worked with the merchant and they were unable to do anything due to it showing as delivered by XXXX. They informed me to contact my credit card issuer, so I did. XXXX XXXX sent me the dispute paperwork and I uploaded it on XX/XX/. I had called in in XX/XX/XXXX  to check on the status and was told they were backed up with many disputes, so I waited. I messaged in through my online banking with XXXX on XX/XX/XXXX  explaining the dispute, timeline, etc. and received a response from XXXX XXXX to call the customer care team. I reached out to them the same day, XXXX, and was told the dispute was still being worked on and I'd have an answer/update within the next 30 days. 

I'm now past the 90 day mark for them to have resolved the dispute. I just got off the phone with XXXX and was told they are unable to help me and to call back in Monday morning at XXXX to see if they're able to assist. I feel like I'm getting the run around and really just would like credit for the item that wasn't received. At this point, it's not so much about the money but just the fact that I've been told several times that it is being worked on and I haven't had any follow up from XXXX other than when I have inquired.
Product: Debt collection

XXXX  XXXX XXXX {$14000.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX To Whom It May Concern, The reason for my dispute is XXXX XXXX  {$1600.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, XXXX # XXXXPLEASE DELETE THESE ACCOUNT THEY ARE NOT MINE. I am unable to locate documentation that they have complied with the any of the federal and state laws requirement, which is a violation of the FCRA & FDCPA. Also, as Stated before 604,605 FCRA Laws I fail to see where THE FOLLOWING INQUIRES WERE not AUTHORIZE Please delete the following : XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, I have filed a complaint the the following addresses are not mine please delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX