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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX INQUIRUES : XXXX XXXX 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
Product: Debt collection

Usually once a year or so my cell phone company, XXXX, says I have a past due amount. I get turned into collections for a debt that is n't really owed. This is n't the first time this has happened. My XXXX XXXX app just updated my score and it dropped about XXXX points because of this.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is erroneous and I have no relationship to it. Please remove the following information from my credit report immediately 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

Please be advised that the final account statement in the amount of {$4600.00} shall be waived as my lease agreement with XXXX was terminated due to incapacitating injuries arising out of an automobile incident which occurred on XX/XX/. As such, I submitted a notice to vacate on XX/XX/2023 

Under the Texas Fair Housing Act, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas Fair Housing Act broadly prohibit discrimination in rental dwellings. 

Additionally, XXXX XXXX XXXX XXXX XXXX has admitted to closing the account and XXXX has removed the collection from my report. However, XXXX and TransUnion refuse to do so, I'm not saying my information is incorrect, I'm stating that the account is incorrectly reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is about Equifax In the month of XXXX of this year XXXX I disputed Multiple Fraudulent accounts that were reporting to all 3 bureaus. Equifax, XXXX XXXX XXXX. I sent multiple dispute Letters explaining the FCRA laws. I clearly stated in this Dispute Letter that this Debt is NOT owed by me and it is a Violation of the Fair Debt Collection Practices Act FDCPA -807 ( 15 USC 1962e ). 

On XX/XX/XXXX, I received an Alert from Equifax. They explained to me that all Fraudulent Accounts have been deleted off my file. My file was all clear and my score raised back into the mid XXXX where it originally was. 

I recently checked my Monitoring Service and Noticed on XX/XX/XXXX Equifax Reinserted an account that was previously Deleted. This account which is XXXX XXXX XXXX was one of the fraudulent accounts that I disputed and Equifax Deleted it off of my file. 

Now they have Reinserted this account reporting as Closed, {$30000.00} owed & Opened XX/XX/XXXX with a 76 month term with 97 % current payment made with one Not current payment in XX/XX/XXXX. This information is incorrect. 

The FCRA law states I was supposed to receive notification in writing within 5 business days about reinsertion of previously deleted accounts.

Here is a snippet of the Dispute Letter I sent to Equifax about reinserting this account : In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion or, If authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the Law.
Product: Payday loan

I 've apply for like XXXX loans just to help me out and not XXXX company load me money I have a job a banker at else do I need man
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX due to inaccurate and incomplete reporting on my credit report. Despite my dispute, no proper verification or correction has been made, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



Details of the Issue : XXXX. Incorrect Authorized User Reporting : I am listed as an authorized user on XXXX XXXX XXXX ( Acct # XXXX ), but I am not responsible for this account. Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus must ensure maximum possible accuracy. If I am not financially responsible, the account should not affect my credit profile and must be removed or corrected. 

XXXX. Inconsistent Credit Limits & High Balance Reporting : The reported credit limit and highest balance fluctuate incorrectly across different months. This violates FCRA 15 U.S.C. 1681i ( a ) ( XXXX ), which requires the bureau to investigate and correct inaccurate reporting. 

XXXX. Missing Payment History ( XX/XX/2023 ) : My report lacks complete payment history for this account. FCRA 15 U.S.C. 1681e ( b ) requires accurate and complete reporting. If XXXX XXXX can not verify this missing data, it must be updated or removed. 

XXXX. Failure to Remove Unverifiable Information : I requested verification of these details, but neither XXXX XXXX nor the credit bureau has provided proper documentation. Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ), any unverifiable data must be deleted. 

XXXX XXXX XXXX XXXX  Failure to Report Accurate Information : XXXX XXXX XXXX is required under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) to provide only accurate information but has failed to do so. Additionally, they are required to investigate disputes under 15 U.S.C. 1681s-2 ( b ) and have not complied.

Due to these reporting errors, my credit score has been negatively affected, impacting my ability to obtain credit. This has caused financial loss, stress, and unnecessary time spent disputing incorrect information that should have been properly investigated.
Product: Debt collection

Subject : Dispute of Debt and Request to Cease Communication Dear Sir/Madam, I am writing to dispute the validity of the debt referenced in your letter dated XX/XX/. According to your communication, I am purportedly indebted to Central Portfolio Control , Inc. in the amount of {$2200.00}. However, I have no knowledge of this debt and do not have any outstanding obligations related to the matter mentioned. 

In accordance with the Fair Debt CollecLon Practices Act ( FDCPA ), I am requesting that you provide me with detailed information about the alleged debt, including the name of the original creditor, the account number, and a detailed breakdown of the charges. Additionally, please provide any documentation you have to support the validity of this debt. 

I am also exercising my right under the FDCPA to request that you cease all communications with me regarding this matter. Please take note that any further communication from Central Portfolio Control , Inc. in relation to this alleged debt will be considered a violation of the FDCPA, and I will not hesitate to pursue legal remedies available to me. 

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

On XX/XX/2017, Equifax added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Equifax has violated my right as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

my mom filed bankruptcy XXXX years ago. i was a co signer on a XXXX XXXX credit card ending in XXXX for the past 5 years wells fargo or experian failed to report the account on my credit as a charge off. on XX/XX/XXXX, the charged off account from XXXX suddenly is on my credit report, with an end date of XXXX ( XXXX years ). this is is totally unfair. it's was charged off in XXXX and would be falling off this year, instead they are ruining my life for five years. i don't see how this is legal, to just add a charge off to my credit 5 years later. it's been hard through covid and im XXXX and need help. if you check my credit you will see that i never have missed a payment on anything, including the charge off. my credit score plummeted and i need it to survive. please help me. its not right to report a charge 5 years after its been charge off. please help
Product: Credit reporting or other personal consumer reports

The following companies are reporting me Personify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Under the doctrine of estoopel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the above alleged debt, nor therefore any such debt, in fact exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Was informed by the creditor that XXXX closed one of my credit cards that was in good standing, never made a late payment and the balanced was paid. Was not given notice or the choice to decide to close the account or not. I did not want my account closed. 

Called the creditor they stated that XXXX decided to close the account. Called XXXX and they said they can not make those decisions. The creditor did not give a reason to close the account other than it was XXXX. No legitimate reason was given to close this account that was in good standing.
Product: Credit card

Received letter from XXXX XXXX XXXX that a credit card application " Needed more information. '' I did not apply for a Target credit card. XXXX went over the information given on the application and it appears the only information that was correct was my drivers license number. XXXX tagged the application as fraud. This occurred on XX/XX/year>. 

Last month another account was attempted to open in my name at XXXX.
Product: Credit card or prepaid card

I have called Capital One Credit Card company and XXXX multiple times trying to resolve this. 

Capital One XXXX charged me {$100.00} in late fees and interest for a payment that they said was received 1 day late. 

On XX/XX/XXXX I used XXXX XXXX XXXX pay to enter a payment of {$3700.00} to be paid to Capital One on XX/XX/XXXX. This payment was for the entire balance on the card. 

The actual due date of the Capital One bill was XX/XX/XXXX. 

XXXX mailed a paper check to Capital One on XX/XX/XXXX, with a pay date of XX/XX/XXXX. 

Capital One says they didn't receive the check until XX/XX/XXXX, 8 days after it was mailed. They are unwilling to waive interest and penalty fees despite the fact the envelope was postmarked XXXX and the check was dated for payment XXXX.
Product: Debt collection

I contacted the creditor and faxed all info over to their fraud department, I also sent the info to each credit bureaus and XXXX  has deleted the account. XXXX  and XXXX  are giving me a hard time to dispute and remove the account. The creditor US Bank is also giving me a hard time with removing the account after all information has been sent to them directly. They have requested the info and I sent the fraud department exactly what they needed
Product: Debt collection

I am writing to file a complaint against XXXX XXXX for violating my rights under the following laws : 12 CFR 1006.34 ( b ) ( 5 ) : XXXX XXXX has not provided validation information, but yet have placed an account with on my credit report on XX/XX/year>. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the chance to dispute the account. 12 CFR 1006.34 ( d ) : and 15 UFC 1681 S 2 ( 7 ) ( A ) : A collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law, which they are in clear violation of. It was placed on my credit report without my knowledge. If XXXX XXXX has proof they mailed any documentation to me, please have them supply tracking numbers or receipts of registered mail so we can track what happened if anything was sent. Simply providing documentation is not proof it was provided to me, by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. 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 payments for the account : CAPITAL ONE : XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late and was not paid in full. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Mortgage

During Covid-19 I was unable to make my mortgage payments for some months. I kept in touch with the mortgage company, PHH Mortgage. They used the Government mandate to differ the payments on an ongoing basis as per the NY State and the government directives. 

Towards the end of the pandemic, they offered a modification plan. I applied, and they granted me a modification. On careful observation, I noticed that the mortgage modification plan was significantly different from my original mortgage plan. The new modification had a HUGE BALLOON PAYMENT ( {$200000.00} ) included. Before the modification, there was NO balloon payment associated with my mortgage. 

The changes that were made to my account were as follows : 1 ). Reduction of Monthly Payment = {$120.00} 2 ). Interest Rate= NO Change 3 ). Loan Term = 7 3 ). Maturity Date = 2 Months Extension - ( From XXXX XXXX XXXX  ) 4 ). Balloon Payment = {$0.00} before Modification and {$200000.00} after Modification I contacted the company by phone through my Account Relationship Manager and discuss the matter. He advised me that the only two ways, at the time, to prevent my house from going into Foreclosure, are : ( 1 ) pay the arrears or ( 2 ) accept the modification plan with the balloon payment. I asked him to explain how and why I had to pay such an enormous balloon payment. He has no good answer for my questions.

I wrote to PHH on XXXX XXXX XXXX regarding the matter. In my letter ( which I'm uploading ) I provide detailed information for my request- to remove the Balloon Payment and to Add the delinquent amount owing to the back end of my loan period. 
They DID NOT grant my request. 
I am now seeking the help of the Consumer Financial Protection Bureau in this matter.
Product: Credit card

Sezzle. I am needing to update my email address & change my PIN. Its not allowing me to do this & denying my transactions
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and need them removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

LendingClub account XXXX. LendingClub has violated pursuant to section 623 ( a ) ( 3 ) the FCRA requirements by not putting the required notice of dispute in comments after 30 days of the first dispute. This account has be re-aged. Re-aging account is a violation of the FCRA. I have disputed this inaccurate and illegal account multiple times over the past serval months and none of the credit reports had the required notice of dispute in the comments section. Not putting the notice of dispute in the comments is a violation of the Fair Credit Reporting Act requirements by LendingClub. LendingClub has multiple other FCRA violations on this account. LendingClub has re-aged this account violation of the FCRA requirements. LendingClub is reporting a 60 month term on a charge off account violation of the FCRA requirements. LendingClub is reporting a high balance on a charge off account violation of the FCRA requirements. 

I have attached a copy of the credit report as proof documentation directly from the credit showing the multiple FCRA violations, re-aging of account, no notice of dispute as required, Violations FCRA terms month on a charge off account and Violations FCRA reporting high balance on a charged off account. I am also attached a copy of the section 623 ( a ) ( 3 ) of the FCRA requirements for your review.
Product: Mortgage

XXXX & XXXX XXXX Our Mortgage NightMare We Bought our house in XX/XX/XXXX. Weve lived here for 14yrs! In XX/XX/XXXX I was recovering from XXXX XXXX XXXX XXXX ( XXXX XXXX ) [ House is in XXXX XXXX XXXX name my wife ] we called Citi Mortgage to get a loan Modification based on my XXXX and XXXX income. For the next 16-months Citi dragged us through the mud, every week they would ask us for the paperwork that we gave them last wk! 
In XX/XX/XXXX Citi called and the Loan Modification was denied for lack of income. So we told them we wanted to add XXXX tips ( she works as a Barista ) to do another loan modification they said ok. My wife makes XXXX mo on avg in tips. We even had her boss sign a letter confirming. 
We made cash deposits for the next 3 mos XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ... No response from Citi! yes or no ( Remember on average it takes 3-4 months to do a Loan Modification ) Every wk from XX/XX/XXXX till XX/XX/XXXX they asked again for the same paperwork we gave the week before. On around XX/XX/XXXX ( Wednesday ) Citi asked us to prove again the tip deposits ( REMEMBER WE ALREADY PROVED IT FOR 3 MONTHS ), And yet no call, no email! 
We have a XXXX XXXX bank acct, its not easy In Alaska putting cash in an online bank. So we only deposit when needed. I bought some XXXX XXXX as investment, So when they asked to prove it again because we didnt put tips in the bank for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX., I couldnt transfer quick enough!! It takes 2-4 days and I hadnt even set up transfers. So Monday the XX/XX/XXXX they called and said No again. 
2 days later the XX/XX/XXXX we received a XXXX letter that stated Citi approved us for a Short Sale. They gave us until XX/XX/XXXX to decide Short Sale or go into Foreclosure. For 16Months The XXXX, XXXX and XXXX XXXX Weve been through has been tremendous. We were trying in the short amount of time they gave us to find someone to help us save our house. Today XX/XX/XXXX I called a foreclosure expert he told me to call Citi and ask if they already sold the house, I said why he said Its been sold to a 3rd party! Wow I couldnt believe it! I called Citi and after some prodding, XXXX at Citi told me someone gave a bid on the XX/XX/XXXX and Citi excepted it and sold our house on XX/XX/XXXX! Citi told me on the phone they made a mistake and would fix it after the XX/XX/XXXX the day we were suppose to make a decision on Short Sale or Foreclosure. UPDATE : We have received a notice of vacate from the people who supposedly bought our house. They gave us 10 days! CitiMortgage is now telling us theres nothing they can do! We need help PLEASE! The company that bought our house : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, NV XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, Ak XXXX XXXXXXXXXXXX XXXX
Product: Student loan

I file on XX/XX/year> two cases against schools that was now closed and misleading school. I have not received any information from my federal student aid server NELNET. I am requesting all of the the federal student loans be taken off my credit report. The schools that are closed needs to be deleted off my credit report and canceled from my student loan report.
Product: Credit reporting

I went on line with Equifax Credit Bureau to dispute a incorrect item on my credit report and instead of starting an investigation Equifax sent me a letter stating that they were putting a " fraud Alert '' on my credit profile and notified the other XXXX credit reporting bureaus to do the same. I did not request Equifax to put a " Fraud Alert '' on my credit profile nor did I give them permission. I requested an investigation into a item on my credit profile by law they are required to do. I want Equifax to remove the " Fraud Alert '' and notify the other bureaus that they notified and remove the same. This is the XXXX or XXXX complaint I have filed against this Bureau. If I ca n't get any help I will obtain an attorney and file a lawsuit against Equifax. I am still unable to receive my online free credit report. I am always told to send in the mail for my report. I am entitle to be able to download my report once I accurately verify the questions. I have asked the CFPB to investigate this XXXX and you have taken the word of this company that their is no block preventing me from accessing and downloading my credit report. Equifax is the only bureau that I have problems. I want this " fraud Alert '' removed immediately and I would like verification that this has been done.
Product: Credit card

I rented a car for XXXX day from XXXXXXXX XXXX XXXX company in XX/XX/202. They charged me for XXXX days although I returned the car within the allotted time and have a photo that proves it. I disputed that amount. Chase denied my claim in a XXXX letter and reversed the charge-back saying that the services were received or available for use. I appealed. They denied the appeal on XXXX XXXX saying that the merchant had provided me with the services. When I called, they said too much time had elapsed and there was nothing they could do. However, they shouldnt have denied the XXXX  dispute given that I had proof.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in addressing critical issues I have encountered regarding the verification, validation, and accurate reporting of information on my credit reports as per the guidelines of the Fair Credit Reporting Act ( FCRA ) found in 15 U.S.C. 1681. I have been diligently disputing the following inaccuracies with Experian, XXXX, and XXXX since XX/XX/2023, yet they have failed to properly investigate the reported discrepancies :