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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED was never late ! I have had exceptional payment history witH XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED 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: Debt collection

So I went to a school which was XXXX XXXX XXXX! Online class, during the start of school I had a hardship occur with the courts and couldn't attend. After things returned to normal they started calling me none stop after I had already reached out and told them the situation. 
I never consented to sharing my information with third party non-affiliated companies as I had every intention on paying what I owed. They continued and are still calling. This account was sent to collection without my written or verbal consent. Under the FCRA 15 U.S. Code 6802 A, B, a creditor can not furnish my information without my written or verbal consent. Please remove this from my credit report and cease all communication for violating my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to tell TransUnion that XXXX XXXX XXXX is reporting the wrong address an address I have never had on my credit report for an account that account is inaccurate and needs to be deleted immediately please check the address this is not my address or never has been
Product: Credit reporting or other personal consumer reports

Synchrony Bank used my credit report to intentionally lower Credit they issued for Sam 's Club Store 6 months ago. I recently disputed another account that I had with Synchrony Bank..and right after that .They sent a letter stating my {$1500.00} credit with Sam 's was dropped to {$150.00}!. I felt it was a slap in the face and done without consent to intentionally hurt my Credit score!. My credit was lower when they approved the Sam 's card @ {$1500.00} and now it's higher nbut they drop it to {$150.00}?. I feel my consumer rights were violated and Discrimination was used. I pay Sam 's automatically... On XX/XX/24 I paid them.Now Synchrony sends this letter they checked my credit history and dropped Sam 's store credit to {$150.00} ... knowing I only owe XXXX and so by Synchrony bank lowering my credit limit .. my {$130.00} debt looks like I'm over my credit limit,!!!. I only owed {$130.00} when my credit limit was @ {$1500.00} ... .This has caused my hard earned Credit Score to drop. I feel it was intentional and undermining.. by Synchrony bank because Of. Previous dispute.
Product: Mortgage

1. XXXX XXXX XXXX issues Mortgage 2. XXXX XXXX XXXX Issues Mortgage Modification ( lower rate ) 3. Filed with County Clerk CNY 4. XXXX approx. Mortgage sold to Freedom Mortgage 5. XXXX approx. Mortgage servicing transferred to XXXX XXXX 6. XXXX -approx Mortgage servicing transferred to Freedom Mortgage 7. XX/XX/XXXX Freedom Mortgage advises Loan Paid in Full, Note and Satisfaction being sent/filed. 
8. XX/XX/XXXX Freedom Mortgage advises they can not issue satisfaction as they do NOT have note, nor any record of assignment. 
8a. Freedom Mortgage Number and XXXX XXXX XXXX numbers match 8b .Freedom Mortgage claims Lien filed by XXXX XXXX has no relationship to them 9. XX/XX/XXXX XXXX XXXX declares they are out business 9a. Declares as a courtesy they will file satisfaction if 9b..They are paid {$600.00} 9c.. Receive letter from Freedom Mortgage authorizing release 10. .Freedom Mortgage advises they have no knowledge relationship with XXXX XXXX and therefore can not issue requested letter of release. 

11. My ownership is threatened, I can not refinance, nor sell my property.
Product: Mortgage

i want my pmi to be removed.i am sorry i was cliked on applied for a loan i am not
Product: Credit reporting or other personal consumer reports

" These furnishers continue reporting false, inaccurate information on my credit report. XXXX, XXXX and Equifax continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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. 
- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX, XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX tired of going back and forth with lexis nexis about my own privacy. Not only do they continue to report my personal informtation without my consent, they never informed me i have the option to opt-out and grabing my personal information for their own personal finical gain since before i was of legal age to sign any thing. Their finical gain off my persoanl life is hindering my ability to put my children and myself in a better living situation. I do not qualify for a new home or a new car for my childern without having adverse reaction on all applications due to XXXX XXXX and the rest of the gang " all CRA 'S '' including XXXX, XXXX and XXXX. Not only are all of these companies making hand over fist off my personal information. They are putting me and my childrens life in danger by reporting my personal addresses that i did not give consent to. I am a victim of domestic XXXX, stalking and threats with a deadly weapon. Yet these companies disregard any permissible purpose by grabbing this information for thier own monteary gain. These companies never properly investigate my disputes and continue to send automative messages back to me and never send the proper requirments following my Cease and desist. At this point these compaines are slandering my name. All these companies ganging up aganist me like a XXXX case, with intent and reckless regard to defamatory of my character is making my life XXXX. I have to work more hours and spend less time with my children. XXXX stressed out from the blant disrespect. I cant even give my children the XXXX they deserve because of my character being slander through all these companies.
Product: Student loan

I attended XXXX XXXX XXXX in XXXX from XXXX of XXXX XXXX of XXXX. The lies that I was told to secure these loans were unconscionable. I was told the school would assist with job placement. I was told that these loans would be easy to pay back. I was told that it was easy to secure a job with this degree. I was told that my credits were from an accredited school and would transfer to another school without issue. This was all false information. In XXXX, the remainder of my loans were paid in full. Over {$80000.00} worth of loans were paid back only because the home I lived in, that my in-laws owned, was sold. Some of the money from that sale was used to pay off my loans. I was being crushed under the weight of my loans. So many financial things in my life were denied because of my insurmountable student loan debt. I was told that school was about {$40000.00} and I took out around another {$12000.00} to help my family while I was in school. How does it balloon out of control like that? I paid almost double, if I did the math correctly, from what I took out. Fluctuating interest rates caused principal payments to be worthless. How do these companies, Navient and XXXX XXXX specifically, get away with such things? Hardly any of my payments went towards the principal. It wasn't until a home got sold did this get fixed. Many people are getting their loans cancelled and refunded. Obviously, I no longer have this debt but I do deserve to have it refunded to me just the same as the unfortunate people who are still paying or are in default are having theirs refunded. When I have tried to reach out to Navient, they are no help because I no longer have loans with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion did not investigate a problem I have with 2 collections on my report. The info from those collections are incorrect and must be removed. I have tried numerous times through last year to get these removed. Both accounts are in violation of fair credit laws.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent information being reported regarding XXXX accounton my credit report. Specifically, I am referring to thepayment historyfor the months XXXX XXXX through XX/XX/XXXX, and the subsequentcharge-XXXX XXXX. 
The payment history is incorrect and inconsistent across the months in question. My credit report shows the following : XX/XX/XXXX : Reported as30 days late XX/XX/XXXX : Reported as60 days late XX/XX/XXXX : Reported as90 days late XX/XX/XXXX : Reported as90 days late XX/XX/XXXX : Accountcharged off 1.Account name : XXXX XXXX XXXX XXXX Balance {$0.00} Original balance {$25000.00} This reporting is inconsistent and fails to align with my actual payment history for those months. The errors in reporting have had a direct and negative impact on my credit score, and I am demanding that this inaccurate information be investigated and corrected. 
Furthermore, I am aware of ongoing legal action againstExperianfor its failure to properly investigate and address disputes. As you are aware, under theFair Credit Reporting Act ( FCRA ), the credit bureaus are required to investigate any dispute promptly and accurately.Experianhas failed to fulfill its duties in past investigations, In light of this, I demand that youimmediately remove this account from my credit reportdue to theinaccurate and inconsistent reporting. Under the FCRA, you are obligated to ensure that all information on my credit report is accurate, and you are not allowed to report misleading or erroneous data. If this matter is not resolved satisfactorily, I will not hesitate to take further action, including seeking legal remedies for the violation of my rights under the FCRA. 
Please confirm in writing that this account has been deleted I look forward to your prompt attention to this matter. Thank you for your cooperation in ensuring that my credit report accurately reflects my payment history.
Product: Credit reporting or other personal consumer reports

I never resided at the address on the National Credit System accounts. I believe someone else used my identity to get apartments with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP ME!!! 

Equifax actions has made it impossible for me to find a place to rent which has caused me to beome homeless. 

They continue to report inaccurate information on my credit report making impossible for me to obtain credit. I am permanently XXXX veteran and need a place to live. 




XXXX XXXX account balances does not match on report. XXXX {$12000.00} ; EQ XXXX ; XXXX XXXX please delete. 

XXXX XXXX account balances reporting different balances on each credit bureau. Please delete XXXX   {$33000.00} ; EQ XXXX ; XXXX XXXX XXXX XXXX High balance reports {$17000.00} but credit limit is {$12000.00}. error. Please delete XXXX XXXX High balance reports {$4200.00} but credit limit is {$2000.00}. error. 
please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX XXXX XXXX. I have been advised by the credit bureau to submit a police report regarding my identity being used to open up accounts with my personal information. My twin brother XXXX XXXX XXXX XXXX XXXX has the same date of birth and our social security numbers are different by one digit. Multiple delinquent accounts have been placed on my credit report. I have tried to dispute the accounts multiple times. We have lived at different addresses for at least 5 years. He has also claimed these accounts are his, but they continue to appear on my report. Please let me know if there is any additional information I can provide or if I need to explore other options regarding this matter. I have a ton of accounts that do not belong to me I have sent my full report Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that I have been a victim of identity theft. Please removed the accounts in the attached dispute letter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a notice in my PayPal business account that my account is closed after roughly 17 years of having an account. Ive replied with numerous documents and to my knowledge have not breached their user agreement. My funds of {$11000.00} are locked in paypal and are causing great duress of me financially and emotionally. 

My account email is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, who has a consent order for failure to report accurate information is reporting my information incorrectly to Experian, XXXX, and XXXX. I have contacted the bureaus, but they merely rely on the E Oscar system and never do an investigation which is my right under the FCRA. Instead, they just delete data fields or say they have already investigated it. As we know, the credit bureaus must report 100 percent accurate information. So, how can all three bureaus have different information and it be verified at the same time? This is not accurate. Additionally, XXXX has been sent numerous return receipt letters and has failed to respond in a timely lawful manner. I want this deleted from all three credit bureaus as they have violated my rights by reporting inaccurate information and have caused financial harm because of it. 
In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692. 
Account Name : XXXX XXXX XXXX # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer 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 7 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. 15 U.S. Code 1692c 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692b ( 4 ) 15 U.S. Code 1692b ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have CLOSED accounts at XXXX XXXX XXXXXXXX which are disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my CLOSED accounts as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my Experian, XXXX and XXXX credit reports fail to accurately reflect that my accounts are disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete all my XXXX XXXX XXXX accounts or include the statutory reference that my accounts are both disputed by consumer AND affected by a natural or declared disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Synchrony Bank which was the financial bank for Mattress Firm closed my account because they deemed that my credit history indicated that I would not pay my bills in the future. What they were referring to was my payment of {$50.00} was paid electronically as {$70000.00}. How this happen I dont know. I sent letters to the XXXX Boards of both Synchrony Bank and Mattress Firm. Mattress Firm contacted me and they understood there was some kind of glitch and when he contacted Synchrony Bank whoever he talked to agreed..no mattress is worth {$70000.00} and it had to be a glitch. But Synchrony Bank did not agree AND they also closed a Belk account which I owed nothing. 
My credit score went from XXXX to between XXXX. 
Please help me to have my credit rating with Synchrony Bank repaired. I did nothing wrong! 
Sincerely
Product: Debt collection

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) .The following account is listed below : NCA XXXX XXXX - {$2100.00}
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1.00} XXXX XXXXXXXX Balance : {$2.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2700.00}
Product: Credit card or prepaid card

I filed a CFPB XXXX : XXXX | Capital One XXXX : XXXX. Capital One one is playing a game, they are still charging me for the fraudulent charges on my account. They also have left a number to call which I have called over 27 times now with no response. XXXX is the agent handling my case. I have been calling from ( XXXX ) XXXX and she never picks up the phone or responds to any of my messages. Capital One is refusing to help me with these fraudulent charges and their billing department calls me everyday to tell me to pay for these fraudulent charges! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - They also are claiming that I faxed in some documents that could not be verified. Due to this, my account is permantly restricted. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I never sent in any documents to them! I dont know what Capital One has going on but they need to cut the XXXX and unlock my account now.
Product: Credit card

Thats not my signature nor did I fill out that form/// my name along with my information was forged. I will be taking further legal action against this company! I never heard of them until after I got my equipment. Because why would I agree to pay XXXX XXXX XXXX for the service aand pay another co separately for the equipment isnt that kinda of odd?
Product: Debt collection

I am requesting that XXXX provide debt validation for account ( XX/XX/17 ) listed on credit report Debt validation in the form of an original bill and detailed statement of procedures is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX  XXXX XXXX  XXXX XXXX, XXXX  XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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