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

Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. XXXX XXXX XXXX XXXX  has an account in my name that was not owned by me. I have never opened an account with this company. I have requested numerous times for the account to be closed and information be deleted from my account. The account shows on my Equifax credit report.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

My account 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.

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: Debt collection

Creditor XXXX assigned collection company to destroy my credit and collecting a debt that was paid.It appears that XXXX added more charges of {$540.00} with Collection company and trying to settlement for paid charges of {$350.00}. This debt is old of debt of XXXX from around XX/XX/XXXX and Collection company has falsely updated to XX/XX/XXXX. I should n't have to pay for a debt that has been paid in full with XXXX. Why XXXX sending me to collection and destroying my credit. The collection is showing on my credit report with XXXX, XXXX, XXXX and I can not obtain any credit to purchase a home or support my daughters education. I am Divorce with limited income as my employer downsize my daily hours and now my monthly salary is at {$XXXX} a month Notice : Northland Group Inc Reference number # XXXX XXXX XXXX XXXXXXXX, XXXX, Minnesotta.XXXX XXXX Creditor XXXX XXXX XXXX XXXX  XXXX Account last four # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reinserted information on my credit report that was previously removed. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ), if an account is disputed, found to be inaccurate, and subsequently removed, it can not be reinserted without notifying the consumer within five business days.
Product: Checking or savings account

I initially applied online for a BMO Alto XXXX XXXX at a rate of 4.80 % on XX/XX/year>. It was declined and I was instructed to try again later. I attempted to reapply several times over the next week and received the same message. Follow up emails from BMO provided no additional information. I called BMO Alto XXXX times on XX/XX/XXXX. I explained to them that I wanted to open an account by transferring {$250000.00} from another banking institution. I told them I has current accounts with XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX I even offered to go into a local BMO branch and apply in person. I was told that accounts could only be opened online and since I had been declined, it would be impossible for me to do so, even though they were unable to tell me why I was declined so I could correct the problem. I also noted there were similar complaints online from other qualified applicants being declined online.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX Account # 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 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 or other personal consumer reports

I, XXXX XXXX, am informing you of my final communication before I sue your company. You have failed to complete an investigation into the accounts that were disputed almost 6 months ago. I submitted a FTC report and proof that my information was compromised in the Equifax data breach, and you continue to report the following accounts and inquiries. I am keeping close tabs on each dispute letter and complaint submitted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please see the attached FTC report and remove the aforementioned accounts. I've sent multiple disputes and complaints regarding the information listed on my credit report. Please see the attached letters and remove the following accounts from my credit report including these unauthorized inquiries that should have been removed 6 months ago the unauthorized inquiries listed in the FTC report as follows CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The mortgage company is First Horizon.

On two different occasions, I needed to do a loan modification due to financial difficulties. HUD was to receive partial payments. On XX/XX/XXXX I have proof that {$5800.00} was paid to HUD via electronic transfer and on XX/XX/XXXX a settlement for {$18000.00} was paid to HUD via electronic transfer. However, according to HUD, they know that I paid however, First Horizon never actually deposited the money. They stated that I was an oversight at First Horizon.

I have made many attempts to resolve this with First Horizon since XX/XX/XXXX. They have promised to send me E-files, faxes and a letter via XXXX from customer service, but none of these items have arrived. They do have documentation however, now one can tell me where the actual money went. 

I have since sold the home and it is paid off however, the above amounts have been held by the title company until this is resolved. 

I need assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I filed a FTC report. On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly the XXXX partial account number ****XXXX. This account does not belong to me and was opened fraudulently. I do not now, nor have I in the past, had an account with this bank. This account needs to be removed from my credit report. I have contacted the bureau as well as XXXX XXXX  to remove this account however, I have not been successful.
Product: Vehicle loan or lease

Hello, I've leased my XXXX XXXX on XX/XX/XXXX with 39 month lease, maturity date of XX/XX/XXXX, upon the maturity date, Infiniti contacted me to see what I want to do and I've asked if it was possible to extend my lease, they agreed to extended it for additional 3 months, after that period they extended for additional 3 more months, so the total extension was 6 months. My original pay off balance on the contract upon the end of the lease is {$36000.00}, I've decided after the extension to purchase the vehicle, and Infiniti is telling me that even though you extended your lease and you have paid for additional 5 payments, that amount is not being applied towards the original pay off balance, and my pay off balance is the same at {$36000.00}. I've spoke with the management and they've told me that we've advised you over the phone and that they have my phone recording that I've agreed to extend the lease without the additional payments being applied towards my pay off balance, that is not true I've never agreed to that, I've asked them to share the recording with me that I personally over the phone agreed, but they are not willing to share it because they don't even have it, ( complete lie ). To my understanding and my previous experience with many different car companies if the lease is extended the additional payment you pay for the extension is being applied towards the residual value and the pay off value if you were to choose to buy at the end of the extension. With Infiniti there is nothing on the contract that if the consumer extends the lease at the end the additional payments made will not be applied towards the pay off balance, nether they have provided a documentation to me to sign acknowledging that this additional payments made will not be applied towards the pay off balance. Please help me resolve this issue with Infiniti this is totally unfair consumer practice on behalf of Infiniti financial ( XXXX XXXX ). 
Please let me know if any documentation might be needed. 

Thank you.
Product: Debt collection

This dispute is in response to your recent claim regarding account # XXXX, which you claim I owe XXXX. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. You continue to call, mail, email and contact my family members and I am moving forward with legal actions. This is not my account and I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at XXXX  while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

In the past year a has XXXX major water damage in my house that requires lot of repairs. During those repairs there several damage that the insurance didnt covered that I had to paid for my self. I had replaced all XXXX bathrooms from my own pocket, fixed XXXX of the bedhrooms flooring that the insurance denied and the house plumbing. I didnt have no choice but to do those repairs that cost me $ XXXX paying {$5000.00} for the XXXX claims deductibles. Those expenses drain me financially. 
Furthermore after moving in the house XXXX weeks ago when the repair was completed. I realized that the contractor that was in charge to remove and bring back my personal properties has stolen everything from my house, even spoons. Now I am in my house with my family with not even a spoon.

I contacted Select portfolio and explained them my situation. I did request a payment plan when the repairs were completed but now with this situation, I have asked for a at least a 6 months deferment. Because at this point I am extremely stressed and financially drained.
Product: Debt collection

I am disputing the reporting of a Synchrony Bank account with a balance of {$1900.00}. I settled this account for {$670.00} under an agreement that it would be removed from my credit report. However, this account is still being reported, despite the agreement. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to ensure that my credit report is accurate and free of incomplete or unverifiable information. The continued reporting of this account violates my rights as the information is both inaccurate and misleading.

Additionally, per 15 U.S.C. 1692e of the Fair Debt Collection Practices Act, creditors or collection agencies are prohibited from using deceptive practices, including failing to honor written agreements to remove settled accounts. 

I request that you investigate this matter and remove the account from my credit report immediately, as required by law. Please resolve this dispute within the next 30 days, and I expect written confirmation of the resolution.
Product: Credit reporting or other personal consumer reports

Account is showing late payment of 30 days when it is not! The account also states roughly {$40.00} as being past due. Account is current and in fact for the month of XXXX a double payment was made on the account 9 days before the due date. I have attached a summary of the accounts showing payments made each month.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Synchrony is scamming it's consumers by allowing an " autopay '' feature that is misleading in its description as it does not actually auto draft your account every payment period, but only for the NEXT payment meaning you are consistently having to pay late fees ( {$41.00} ) for missed payments under the impression you are setting up a permenant feature. The company will then notify you that payment was due ( which you will ignore because you set up auto pay ) seemingly to intentionally collect fees from unsuspecting consumers who expect the features to work as reasonably expected. Despite repeated attempts to figure it out with a person, the only option for resolution is to speak with a robot chat box that does not offer solutions.
Product: Debt collection

I had no Acknowledgment of this debt. The collection agency does not have my my Permission to obtain my information legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal data appears to be compromised because of the cyberattack on Equifax Inc. as confirmed by their service that checks for this ( www.equifaxsecurity2017.com ). I have never worked with Equifax directly, so I do n't even really know why they have my data, but that does n't matter now I guess. I do not know the full extent of what happened to my data, I am currently unable to view my credit report ( XXXX gave me an error when I tried to get my report and said to try again later ). This breach of my personal data is unacceptable and puts me at serious risk for identity theft and probably more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information remove Chapter XXXX Bankruptcy Discharged XXXX
Product: Debt collection

IQ FAILED TO FULFILL THEIR COMMITTMENT IN THE RESPONSE LETTER TO THE CFPB, dated XX/XX/year>. 

In their response, IQ DATA stated " We have requested our tradeline be removed from the consumers credit, please allow up to 45 days for this change to be reflected. The account will remain on hold until our client releases this hold upon completion of their review. " As of XX/XX/XXXX, IQ DATA 's tagline is still being reported to XXXX. It has not been removed. I have not received any communication, verbal or written, to my dispute letter of XX/XX/year> requesting validity of the alleged debt. 

Again, I moved out of this rental property than 3.5 years ago and was never contacted about this alleged debt till XXXXXXXX XXXX XXXX not one call or letter and all of a sudden I have IQ Data reporting this to the credit reporting less than 5 days from being notified of this attempted collection. And now, they haven't even honored their own words on what action they would take. Unscrupulous, unfair, discriminatory behavior and practice.