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

Im writing to address a serious issue regarding the reporting of my mortgage account ( Account Number : XXXX ). Its been brought to my attention that my payments for several months are inaccurately showing as late, when in fact, Ive always paid on time.

Specifically, the following months : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> should all be marked as OK or Paid as Agreed. There is no excuse for these mistakes, and they need to be corrected immediately.

The fact that these late payments are showing on my report is not only incorrect but also a violation of my rights under federal law. To be clear : 15 U.S.C. 1681a-2 requires that credit reporting agencies ensure the accuracy of the information they report. These inaccurate late payments are a direct violation of that law.

Under 15 U.S.C. 1681c-2, I am entitled to have these inaccuracies investigated and removed within 30 days. You have had more than enough time to address this, and I expect it to be corrected immediately.

15 U.S.C. 1681b holds you accountable for reporting only accurate information. Its clear that my payments were on time, and your failure to reflect that is both negligent and unlawful.

At this point, theres no more room for error. I expect you to update the records to show that I made timely payments, as I always have, and remove any references to missed or late payments from my credit report.

If this is not corrected immediately, I will be filing complaints with the FTC, CFPB, and pursuing legal action for failing to comply with the law. Im giving you 5 business days to get this fixed.

I expect written confirmation of the correction within 4 days. This issue needs to be resolved, and I will not accept anything less than the accurate reporting of my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX RE : 3 Credit Bureau Accounts and Experian, XXXX, XXXX Source XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX This letter is being sent to you in response to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC1692g Sec 809 ( b ) that your claim is disputed, and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligations to pay you. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with any copies of any papers that show I agreed to pay you what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you if your offices have reported invalidated information to any of the XXXX major Credit Bureaus. ( Experian, XXXX, XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent. I will not hesitate to bring legal action against you for the following. 
Violation of the Fair Credit Reporting Act. 
Violation of the Fair Debt Collection Practices Act. 
Defamation of Character. 
If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time ALL Collection activities must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXas violated my rights Account # XXXXXXXX XXXX  has violated my rights Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ), has violated my rights Account # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated my rights Account # XXXX XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX had violated my rights Account # XXXXXXXX XXXX XXXX  has violated my rights Account XXXXXXXX XXXX XXXXas 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: Credit card or prepaid card

Citibank made changes to my account without authorization. They placed me on the do not call list without verification. I received a letter a month later that those changes were made to my account. I called to inquire how account changes were made without verification. I was not provided with a reasonable explanation.
Product: Credit reporting or other personal consumer reports

There is inaccurate information being reported on my Transunion file for the account with XXXXXXXX XXXX 

XXXX. The account states I've paid of 51 % of this account. Why is it 51 %? I have previously requested verification in the form of documentation and Transunion has failed to verify this information. 

XXXX. The term on the account states 73 months ( 6 years ) but then states the account was opened XX/XX/XXXX ( 8 yrs, 6 months ) ago. That date is 8 years and 6 months longer than the initial term of the contract. I request verification of said contract and not from the creditor reporting this account as the reporting is inaccurate. 

3. Transunion reports the last payment made on this XXXX account was XX/XX/XXXX. A payment was made when? This information is inaccurate and I would like to request verification in the form of a receipt showing the payment which Transunion is reporting as being made on XX/XX/XXXX. 

4. Transunion is reporting this account was closed XX/XX/XXXX. How was the account closed XX/XX/XXXX when that date is longer than the initial term as well as the date Transunion reports the account was opened XX/XX/XXXX. 8 years and 6 months ago? 

Section 623 ( a ) ( 8 ) Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. '' Section 623 ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I Contacted the courts and they advised me that they don't report to the credit agencies. So how are the agencies reporting my child support balances. This is considered false reporting or misleading.
Product: Credit reporting or other personal consumer reports

I am submitting additional evidence to support my original complaint regarding inaccurate credit reporting by TransUnion and XXXX. My initial complaint involves the improper reporting of accounts from XXXX XXXX XXXX ( Account # XXXX ) and XXXX XXXX XXXX ( Account # XXXX ), which XXXX has already removed from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in those account 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: Student loan

the government forgave both XXXX loans and took it off my credit reports 1. {$740.00} and {$1300.00} loans were removed off my credit reports and forgiven XXXX. and now they are back on my report after the goverment has forgave and paid off.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  this is fraud never had a apartment in my name, remove this account immediately. this address XXXXXXXX XXXX XXXX  XXXXXXXX XXXX  CA, XXXX Does not belong to me I never live there at all!!!!! Please remove from my credit file immediately
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for and was approved for the Citi AAdvantage product. I applied based on email offer I received for XXXX bonus miles. On XX/XX/XXXX ( just 2 days later ) I received another personalized offer in my email for the same card but it was for XXXX bonus miles. I waited until i received my card and then called customer service on XX/XX/XXXX and asked to be enrolled in the XXXX bonus miles offer. The offer was valid thru XX/XX/11 and I had only missed it by 2 days so I was certain they would do the right thing and enroll me in the XXXX offer. But they did not. They said the offer i had accepted was what I was stuck with. So, i asked if i can close my account and apply for the new offer. They said I would be ineligible to apply for that card for the next 24 months. 

So, they think i'm valuable enough to offer me XXXX bonus miles, but once they found found out i had been suckered in for XXXX miles already, they don't want to honor the new offer. That is abusive. 
And why send me an offer i can't use? They APPROVED me on XX/XX/XXXX, in real time. They were in a rush to do that. But they are still sending me new solicitations 2 days later .... that i apparently can not use, because I was dumb enough to apply already. That seems unfair. 

I'm asking them to honor an offer they sent to me, personally. Not something i saw on a website, and ii 'm certainly not asking for goodwill. Just honor your offer. 
This is my first product with Citi ( and obviously my last ). What a stupid way to start a customer relationship.
Product: Debt collection

Hi CCS COLLECTIONS / XXXX AN XXXX COMPANY ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

1 This COMPLAINT is a demand for a cease and desist of continuous attempts and efforts to exercise a sale under power of our property where there is no present legal right to do so. Alridge Pite LLP aka XXXX XXXX XXXX, are violating the state of Georgia statute and the Fair Debt Collection Practice Act and The Fair Credit Reporting Act. This cease and desist demand is based upon the following Violations : Pursuant to FDCPA 15 U.S. Code XX/XX/XXXXe - False or misleading representations and Pursuant to The Fair Credit Reporting Act. 

2. Whereas, You have personal knowledge that, Alridge Pite LLP aka XXXX XXXX XXXX, has committed XXXX civil and criminal offences. 

3. Whereas, an attorney with your firm created and caused to be recorded in the borrowers property records of XXXX XXXX Georgia XXXX separate sworn affidavit testifying under oath to a set of facts to which the affiant did not, and could not have personal knowledge of because the affiant/attorney was not present at the purported loan closing on XX/XX/XXXX. It is an unlawful act for the foreclosing law firm, who happens to be a debt collector for the alleged servicer XXXX XXXX XXXX XXXX XXXX XXXX, to fabricate fact and thereafter record the fabricated facts/documents in XXXX XXXX records for the sole purpose of facilitate a non-judicial foreclosure, ( that is extortion and is a felony ). the language on the face of the affidavit is clearly unlawful. 

WHEREFORE, we demand Alridge Pite LLP aka XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX cease and desist any further collection immediately.
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collection company named XXXX and XXXX is reporting that I owe {$3000.00} to XXXX. However, I have no knowledge of this debt that the debt collector is claiming I owe. Florida state laws does not recognize XXXX as a licensed company and it is not authorized to conduct business in the State of Florida where I reside. Therefore this debt is invalid and should be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally report the unauthorized use of my personal information, which has resulted in fraudulent credit inquiries and attempted account openings in my name. These actions constitute a violation of federal law under 18 USC 1028 ( a ), which addresses identity theft and the fraudulent use of identification information. 

Specifically, on [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ], I became aware that several attempts were made to open accounts using my personal information without my consent. As a result of these attempts, numerous hard inquiries have been placed on my credit report by the following institutions : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX 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 I did not authorize these inquiries, nor did I apply for any credit with these institutions. This fraudulent activity has adversely impacted my credit score and financial standing. The unauthorized use of my personal information for the purpose of opening credit accounts and initiating inquiries is a clear violation of 18 USC 1028 ( a ).
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report, Please remove this accounts from my report they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In the accordance with the fair Credit Reporting Act. the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX 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 States : it also states that a consumer reporting agency can not furnish a 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 the records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I get calls from them every day, even after a payment plan is set. So I decided to save the three months up before paying. I got an email in XXXX XXXXXX/XX/XXXX to get current. I called on the XXXX with was the XXXX. They told me my account was charged off on XX/XX/XXXX. I asked how when I got an email days after that apparent date to become current. They proceeded to tell me that is all the information they have. I asked if I could send payments, until caught up, they said it did not matter. I asked again where to send the payments they did not provide that info. This is also after removing my access to pay online and access payment history for the loan. They did not send any written notice to let me know the account was charged off the entirety of this situation. I also asked if I could get info so I can make arrangements to surrender the car. I was told the specialist would call me for that. I never received a call. They instead towed my car, I finally got the info on where the car was. So I called to see what I could pay or settle for to the tha car. The balance had then rose XXXX XXXX, I asked how. They rep said they didnt know but the amount was only good until end of business day. I asked what it would be tomorrow, they said they didnt not know. I asked was there a percentage rate the amount was being charged against. The rep said they did not have that info. Ive continuously have asked for info or access to remedy this situation. The company has done nothing but withhold information and deny payment or remedy, so they could over charge me. I believe they are trying to over charge me so I can owe them more than the car is worth.