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

Delete this account for Violation and inaccuracy because the last paid date for XXXX  reported is incorrectly on XXXX, Equifax and XXXX. In addition, number of late payments and status of account on XXXX do NOT match with Equifax, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on XXXX, Equifax, XXXX a Account name XXXX XXXX  Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First, this is so stressful and disheartening that as a consumer my rights are constantly being violated. I have been dealing with these issues for over 9 months. I am including ALL 3 BUREAUS IN ONE COMPLAINT!!! 
XXXX, had a MAJOR problem with stalling disputes by sending FRAUD DISPUTES LETTERS. I am sending these letters from MY HOUSE, Signing them and enclosing my identification. Exactly how on earth is this a FRAUD DISPUTE? DO NOT SEND ME THESE LETTERS AGAIN!!! I have filed several complaints with them with the BBB & CFPB they always reply with ( they need more time ) one time even replying that they were investigating a BANKRUPTCY. I HAVE NEVER FILED BACKRUPTCY. 15 DAYS IS MORE THAN ENOUGH TIME TO SEND ME INFORMATION REQUESTED OR REMOVE THESE ACCOUNTS. My biggest issue with XXXX is them verifying accounts and not sending me documentation of HOW they were verified. 
First XXXX I have contacted this company myself after disputing with XXXX and Transunion several times and asked them to furnish me with the same information they have furnished the credit bureaus because i KNOW for a FACT it is inaccurate. No response. XXXX  and transunion still tells me this account is verfied. It needs to be removed IMMEDIATELY. 

XXXX XXXX XXXX same with them. XXXX put the burden on ME to validate this debt with thr collection agency. They DID in fact submit me witb documentation for an XXXX XXXX. This account is NOT MINES and needs to be removed. 

I Also sent XXXX and the following collections agencies ( professional credit and credit bureau ) services letters stating that i felt that my hippa rights were violated. I requested a medical release form that i have NOT recieved. Under hippa my medical information is protected. XXXX  needs to remove ANY medical bills immediately unless they can furnish me with a medical release form. 

Also on ALL THREE BUREAUS the department of education is reporting several late payments on my account. An account that has been closed and transferred. They recently just updated this account with an 120 days past due warning. How is that even possible and this account has been with another agency over a year. This account needs to be removed from all three bureaus. 

This is exhausting that as a protected consumer i am getting all kinds of run arounds with MY CREDIT. This is causing me major stress and sleepless nights. This is my last letter before filing a lawsuit. I can not keep doing this back and forth.
Product: Mortgage

My client was forced to move to a higher level of healthcare and has a reverse mortgage on her home. We requested the servicer allow her to short sell since the home value is less than owed. We have been working on this case since XXXX of 2016. The servicer uses every excuse to avoid the review and after providing all they ask they continue to delay the review.
Product: Credit reporting or other personal consumer reports

this was an account opened by my EX husband back in 2017 and i had no idea he was opening accounts using my social security number this is causing me GREAT distress and has literally ruined my credit for the last seven years now! i wrote them and THEY decided the outcome! i am an elderly person living only on my social security at this point and dispute this debt ... .STILL. please help me!
Product: Credit reporting or other personal consumer reports

Im notifying that I was a victim of identity theft and a data breach that has impacted my personal financial information please block and delete all accounts related to the following collection agencies pursuant to my rights under FCRA 605B15 U.S.C 1681c-2 ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to formally dispute the debt referenced in your recent correspondence dated XX/XX/year>. The documentation provided does not validate the debt, and I have specific concerns regarding the validity of the account. 

No Signatures : The documents you provided lack my signature or any acknowledgment of this debt, which raises questions about its validity. 

Incorrect Credit Card Information : The credit card number associated with this account is not mine. 

Due to these issues, I request that you cease all collection activities until proper validation of the debt is provided, including : Proof that I owe this debt Documentation showing my signature or agreement to the charges Verification of the original creditor I expect a prompt response to this dispute and look forward to resolving this matter. 

Thank you for your attention. 

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

on XX/XX/XXXX i sent a dispute in regards to fraud that occurred on my consumer report to Transunion. It has been over 30 days and i have not receieved any information about these inquiries that should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and false information is being reported on my credit report. I never authorized the inquires and Experian and XXXX have both neglected and refused to remove the fraudulent inquires being reported on my credit. Company XXXX reflects on my Experian account and I have never authorized XXXX to access my credit report. Company XXXX reflects on my XXXX account and I have never authorized XXXX to access my credit report.
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed that i had one late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account that i have included screenshot inside this complaint in on date XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit card

After being a Discover Card holder for more than a decade, I received an email dated XXXX XXXX, 2015 stating that, " As a result of a recent review of the Discover card account referenced above, we have suspended your account and it will be closed within 30 days from the date of this letter. This action will be taken for the following reason XXXX XXXX ) : Inactivity on your account XXXX XXXX ). " The letter states that should I have any questions regarding the actions taken on XXXX my ] account to contact Discover at XXXX. 

Upon receiving the email, I contacted Discover and was told by the CSR and her supervisor that my account -- contrary to what the email stated -- had already been closed. " Why, '' I asked, " would you have already closed my account when I had just today received a notice from you telling me that the account would be closed within 30 days from the date of the letter? Why even send the letter if the account was already closed and there is 'nothing you can do about it '? " It is my contention that this was a punitive action on the part of Discover as " maintaining '' a zero balance account in a computer database costs them nothing. 

For my part, I communicated to Discover that the elimination of my zero balance against a credit limit of {$10000.00} would adversely affect my credit rating and that this was unacceptable. I was then informed that I was welcome to apply for a NEW account and that my credit report would be pulled for a new line of credit with Discover. I told Discover that this too was unacceptable as an unwanted credit inquiry can also negatively affect my credit rating. 

Time and time again I was told that " there was nothing they can do '' and " that I have no other options. " I informed Discover that the reason for my inactivity was because -- after contacting Discover on numerous occasions -- they refused to lower my interest rate from an egregiously high XXXX percent. I have a current FICO score of XXXX and, knowing that I was receiving much, much lower rates on my remaining XXXX card, chose simply not to use my Discover card until such a time that Discover lowered my interest rate to one that more accurately reflected my creditworthiness. 

Ultimately, Discover has made a unilateral decision -- based not on my creditworthiness, delinquency or any act on my part -- that has the absolute potential to adversely affect my:1 ) Existing credit rating ; 2 ) The interest rate ( s ) that I am being charged for my existing credit, and ; 3 ) My ability to obtain credit in the future. 

Discover is in effect blackmailing me use their card when it is my prerogative not to do so ; and furthermore insisting that if I do acquiesce to their demand, that I pay an exorbitant interest rate to do so. 

I have informed them directly that I will be filing a complaint with this Bureau and will be pursuing legal action against the regarding this matter. 

It is my intention to have my account reinstated and that my hard-earned credit rating remain unaffected, completely whole and in tact.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXXI HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I purchased online items from XXXX on XX/XX/2022. I requested a cancellation on XX/XX/2022 via chat and was informed they would try to cancel but that it may be too late as the items were already in process - the items had not yet been shipped by XXXX. I received notifications that items were shipped on XX/XX/2022. I was out of the country and items were never received. Discover card did not accept my dispute even though I have the documentation the order was cancelled prior to the company shipping the items. I received notification on XX/XX/2022 that discover Card would be placing the charge back on my card and I would be responsible for the interest.
Product: Credit card or prepaid card

I attempted to pay my chase card payment when I moved from XXXX to XXXX, Florida. Previously. After being sick with COVID I was able to make a payment and drive to the ATM but my PIN wouldn't work. It turns out that when I got my new debt card the PIN number was never sent to me. Freaking out because they payment is due they were not able to issue me a PIN because I had just changed my addresses and would have to go into a branch. The next day after the payment was due Chase reported my account as 31 days late. 

I had moved to XXXX to pursue a better job opportunity and I sent Chase a certified letter explaining that I had no idea that my PIN would not work. I had to go after hours to deposit cash in the ATM and I could not do it during business hours. I don't think this is fair and Chase did this to set me up. I will be speaking to my lawyer about this but I want the adjustment done to the credit report as it was their fault I for not sending me a PIN or making me aware when I got the card that I had to go into a branch to get the number. 

Chase needs better transparency with how their system works and actually care about their customers and their needs. I also feel that I am being discriminated against as if I was not a member of the XXXX community they would work with me.
Product: Credit reporting

I disputed XXXX medical collections from XXXX. 
These collections were included in a chapter XXXX bankruptcy case. 
The collection agency said that the case was dismissed however they were referring to a case from XXXX. I filed Chapter XXXX in XXXX case # XXXX which was discharged. Equifax keeps the account showing as open. Also equifax does not show the bankruptcy case on my report. Case # XXXX. 
I would like the collection accounts removed or updated to show closed with {$XXXX} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress  you caused me. My information was also impacted by the XXXX XXXX XXXX and may gotten into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have disputed information several times and each time my credit report gets updated with meets FCRA requirements, consumer disagrees Its not a disagreement if it is illegal. 

15 U.S.C 1681-Congressional findings and statement of purpose a. ) Accuracy and farness of credit reporting -Congress makes the following findings : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

Privacy act of 1974 ( 5 U.S.C 522a ) safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices '' under 5 U.S.C 522a, anyone who knowingly and willingly requests or obtains any record concerning an individual from an agency under false pretense shall be guilty.

failure to comply with any provision of this Section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual ; the individual may bring a civil action against the agency and the district courts of the united states shall have jurisdiction in the matters under this provisions of this subsection. 

15 U.SC. 6802-obligations with respect to disclosures of personal information a financial institution may not, directly, or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information-unless a financial institution clearly and conspicuously discloses to the consumer in writing or via electronic form or other form permitted by the regulations prescribed under this subsection 6804 of this title.

according to the IRS a charge off is considered a certificate of indebtedness, which means it is income it must be removed.

The law also states it is illegal to report transaction history. All hard, soft and promotional inquiries must be removed. 

failure to delete the disputed will result in a report to FTC for identity theft and legal action
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 under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently moved to XXXX and in the process some of my personal items have been misplaced. My wallet, dl, ss card, bank cards ect. i dont know exactly where due to the move to XXXX XXXX I tried using my credit last month and was denied for a home due to my credit. I have never used credit before so i dont know how this happened. I have alot of accounts on my credit report i did not open. in addition to the accounts listed on this form there is additional accounts and addresses that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx XXXX
Product: Student loan

I have very important details to discuss with Aidvantage about the status of my XXXX plan and the status of my XXXX credits under loans serviced by Aidvantage 's predecessor, XXXX. I have attempted at length to discuss this with Aidvantage, but they do not seem to answer their phones and insist that borrowers must write letters to them and await letters in response. Yes, you heard that right. We have literally been writing letters back and forth to each other. I just received one in the mail a few weeks ago, which arrived close to a month after I sent my last letter, and it did not resolve the question I was asking in my letter. I feel like they are gaslighting me about the status of XXXX credits. It has taken months and I still don't have the information I need. My ask is simple : I would like a phone call with someone competent to discuss my student loan account, including the status of XXXX credits I should have from Aidvantage 's predecessor, XXXX.
Product: Credit reporting

XXXX account XXXX is reported twice on my Trans Union Credit Report. Once under XXXX ( accurate ) and again under revolving ( iduplicate ). If you look at the attached report you will see on page XXXX the reporting from all three credit agencies on the account under real estate. Then on page XXXX Trans Union ( not Experian or Equifax ) Reports the XXXX trade line a second time under revolving credit.
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 XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$940.00}