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

Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$XXXX} ( as of XX/XX/XXXX ) Monthly Payment : {$XXXX} Terms : XXXX  Months Highest Balance : N/A Late Payment Entries : 30 days late for multiple months as seen in the payment history for XXXX and XXXX Dispute Summary : I am writing to dispute the late payment entries listed on my XXXX XXXX XXXX account XXXX The account was reported as 30 days past due in my credit report on several occasions, and I believe these late payments were either inaccurately reported or the result of mishandling of due dates. I request that these late payments be removed from my credit report. 

I have never received a proper notice or adequate communication from XXXX XXXX XXXX about these late payments or missed due dates, nor have I consented to any actions that would justify these entries.

Consumer Law Violations : Fair Credit Reporting Act ( FCRA ) : Section 1681i ( Reinvestigations of Disputed Information ) : XXXX XXXX XXXX failed to correct these late payment entries after my dispute with them, in violation of the FCRAs requirement to accurately report information to the credit reporting agencies.

Section 1681e ( b ) ( Accuracy of Credit Report Information ) : The reported late payments violate the requirement for accurate reporting, as these do not reflect the true and accurate payment history for my account.

Section 1681s-2 ( b ) ( Duty of Furnishers of Information ) : XXXX XXXX XXXX XXXX not investigate or correct the inaccurate reporting after I disputed the payments. 
Fair Debt Collection Practices Act ( FDCPA ) : XXXX XXXX XXXX or any third-party collectors failed to adhere to proper communication practices related to late payments and did not provide sufficient documentation to justify the alleged late payments, in violation of the XXXX XXXX of unfair and deceptive practices. 
Truth in Lending Act ( TILA ) : Under TILA, creditors must clearly disclose payment terms and any late fees. XXXX XXXX XXXX did not properly inform me of any late fees or late payment implications, nor did they provide me with a clear notice of the consequences for late payments in accordance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX  XXXX Balance : {$6100.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$7700.00} that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting

My Equifax is stating " Non Reporting '' status. I believe this is why my FICO score for Equifax is showing " not available ". I have paid for the service for credit monitoring but Equifax is not reporting I need this to be changed to reporting and I DEMAND PROOF THAT IT HAS BEEN DONE IN WRITING. I have filed a complaint with the Attorney General Office since Equifax keeps giving me the run around
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My records associated with the account BANK OF AMERICA with account number XXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. A charge-off should show a XXXX  balance, remove the amount that is showing. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment to BANK OF AMERICA but I did not receive what I asked and these violations persist on my credit report.
Product: Credit card or prepaid card

I disputed a charge and chase refused to contract the merchant on my behalf.
Product: Vehicle loan or lease

Lendmark Financial Services XX/XX/XXXX Open Loan {$4900.00} Principal ( P ) Interest ( I ) Total ( T ) Balance ( B ) XX/XX/XXXX Payment - {$53.00} ( P ) {$130.00} ( I ) {$180.00} ( T ) {$4900.00} ( B ) XX/XX/XXXX Payment - {$50.00} ( P ) {$130.00} ( I ) {$180.00} ( T ) {$4800.00} ( B ) XX/XX/XXXX Payment - {$55.00} ( P ) {$130.00} ( I ) {$180.00} ( T ) {$4800.00} ( B ) XX/XX/XXXX Payment - {$53.00} ( P ) {$130.00} ( I ) {$180.00} ( T ) {$4700.00} ( B ) XX/XX/XXXX Payment - {$54.00} ( P ) {$130.00} ( I ) {$180.00} ( T ) {$4700.00} ( B ) XX/XX/XXXX Payment - {$68.00} ( P ) {$110.00} ( I ) {$180.00} ( T ) {$4600.00} ( B ) XX/XX/XXXX Payment - {$58.00} ( P ) {$130.00} ( I ) {$180.00} ( T ) {$4500.00} ( B ) XX/XX/XXXX Payment - {$63.00} ( P ) {$120.00} ( I ) {$180.00} ( T ) {$4500.00} ( B ) XX/XX/XXXX Payment - {$61.00} ( P ) {$120.00} ( I ) {$180.00} ( T ) {$4400.00} ( B ) XX/XX/XXXX Payment - {$67.00} ( P ) {$120.00} ( I ) {$180.00} ( T ) {$4400.00} ( B ) XX/XX/XXXX Payment - {$65.00} ( P ) {$120.00} ( I ) {$180.00} ( T ) {$4300.00} ( B ) XX/XX/XXXX Payment - {$66.00} ( P ) {$120.00} ( I ) {$180.00} ( T ) {$4200.00} ( B ) XX/XX/XXXX Payment - {$72.00} ( P ) {$110.00} ( I ) {$180.00} ( T ) {$4100.00} ( B ) XX/XX/XXXX Payment - {$70.00} ( P ) {$110.00} ( I ) {$180.00} ( T ) {$4100.00} ( B ) XX/XX/XXXX Payment - {$76.00} ( P ) {$110.00} ( I ) {$180.00} ( T ) {$4000.00} ( B ) Interest Rate 32.99 % ****That is the status of my loan for a Car, It started at {$4900.00} and after {$2800.00} in payments my Balance is down to only XXXX? It seems like nothing here is going to the Principal of the loan and I'm going to be paying it off forever? I should be approaching the end of the interest payoff, so shouldn't the balance be going down more rapidly at this point? I do not remember how long the loan was set for, if it were 3 years or 4 years. If it's 4 years I feel like it's got to be criminal like a loan shark or something at this point, interest would be {$4000.00}? **** ****I was helping someone get a car after theirs was stolen, so it was all rushed and we just took what we could get. I'm just trying to understand when the loan will actually be paid off, and what the total is going to be. I don't really know anything like most people I imagine, though everyone on the XXXX  is complaining about this company, Some increased their payment amounts and still see no real hit to the principal. The interest seems especially exorbitant. ****
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the accounts in my Credit Report : 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN XXXX DOB XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 


Item # 1 : I dispute XXXX  XXXX XXXX XXXX {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX  XXXX XXXX agreed to. XXXX  XXXX XXXX has been reporting my auto loan account XXXX. 
They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. This account has been removed by XXXX and I attached proof. 
Please delete this account. XXXX  XXXX XXXX did not report this account correct for more than a year. Account is more than 7 years old. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion
Product: Checking or savings account

XX/XX/XXXX XXXX deposit XXXX ( XX/XX/XXXX I reported card stolen with a police report and hospital report ) XX/XX/XXXX Money disappears right in front of my eyes all included bank state statements believe me it will be so much easier.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair credit reporting act fcra to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved the consumer financial protection bureau cfpb has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward customer consumer provided evidence to furnishers accepting unrelatable responses and failing into adequately notify consumers of disputes outcomes these failures align with my experience where experience has neither corrected or removed or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer
Product: Debt collection

Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$8300.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Unsecured Payment summary XXXX XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Closed. 
Status updated XX/XX/XXXX Original balance {$8300.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 53 Months Company sold DIVERSE Original creditor - Comments Purchased by another lender Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is listed on my credit reports incorrectly. 
I've disputed the information with all 3 credit reporting agencies but they have still remained on my reports. 

I dispute the ownership. 
I dispute the amounts. 
I dispute the reporting as shown on my reports. 

I've sent letters to XXXX and no responses have came back. I've done this 4 times with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Credit card

On XXXX my card was compromised and I called the XXXX number to report fraud. They closed the card and told me to go to branch to get new card which I did. The compromised amount was immediately refunded back to my account and I thought issue was settled. 

However today XX/XX/year> the fraudulent charges reappeared and brought my account to negative while I am out of town. 

No one at us bank informed me the money would be put back but immediately then taken out again a few days later. Had I known that I would have delayed my travel plans. 

I called to see if they could expedite returning the funds, however no answer could be given and there was no explanation as to why they returned the funds then a few days later took them back out.
Product: Debt collection

THIS IS A CONTINUATION OF COMPLAINT NUMBER XXXX AS I was unable to upload information that was requested after I file my claim. I contacted XXXX again and talked to a XXXX and confirmed my account ; accoutnt number XXXX was sold to perfection collection with a phone number of XXXX she had no email or address information on file for this comapny
Product: Debt collection

on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX this number is calling multiples time a day, I decided to answer when the person on the other side of the line a female, asked for my XXXX years old name, social security number and day of birth, I asked who is this, the female refused to answer my questions after I refused to give my daughters social security number alleging that this a business matter, when I asked what type of business she replied unless I do n't give the information that she is asking for there is no business to discuss. I researched the number and I realized that this is medical collections on my husband name not on mine, also the bill stated XX/XX/XXXX, we never received any statement of this collection. 

This company is contacting family members and requesting information about minors, keep calling more than 4 times a day. I want them to stop collections of this alleged debt that my husband does n't owe, we researched and ALL medicals bills are paid for.
Product: Debt collection

1.On XX/XX/2023 at XXXX XXXX  my landlord was improperly served my documentation that was no sealed and revealed all my private and personal information. The server also incorrectly reported the landlord reported I am unmarried. 

2.XXXX XXXXXXXX  XXXX has further posted a derogatory report on my credit without confirmation of the debt, or contacting me by phone, in person or by mail ( electronic or letter ). 

3. The collector has failed to give me validation information about the debt in question.

4. This debt is time-barred.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report payment history for freedom mortgage is inaccurate and needs to be updated .if this can not be validated please update to paid as agreed never late status
Product: Debt collection

NCB for a debt regarding XXXX XXXX. They placed this on my credit report without sending me a letter allowing me to dispute it.
Product: Debt collection

I disputed a collection that stated i owe {$490.00} which is with XXXX XXXX. Account number being XXXX. The creditor responded back in a timely manner with a statement saying they verified the debt and its 's mines. Defiently not true. I then wrote back and ask them how did they verify this debt and please provide me with an original contract of some sort with my signature on it which should have my correct spelling of my name. All paperwork that has been forwarded to me also the credit bureaus has misspelling of my name also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/22 I disputed incorrectly reported information on my credit report and this is in violation of my rights. I further Request the original contractor that I signed with be required to provide " proof of the debt as well as billing statements for the last several months and the ORIGINAL CONTRACT that was signed by ME to open the account '' as no such documentation exists. Therefore the accounts MUST be deleted pursuant to the law under : 15 U.S. Code 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, THE ACCOUNTS THAT I HAVE LISTED WERE NOT AUTHORIZED BY ME. THESE ACCOUNS WERE ALL OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THESE ACCOUNTS NEED TO BE REMOVE IMMEDIATELY. I HAVE PROVIDED DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT THAT I HAVE FILED TO SUPPORT MY CASE. 
ACCOUNTS TO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized however, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
The issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX