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

There is a discrepancy among all XXXX credit bureaus. Your company is in violation of the Fair Debt Collection Practices Act section XXXX. XXXX and XXXX are not reporting the late payment for XX/XX/year> on my credit report. Equifax is the only credit bureau showing the late payment. According to 15 U.S.C. 1681e " ( 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. Also, under Section XXXX of the XXXX XXXX, due to XXXX forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have XXXX late payment on my report for XX/XX/year> that I want updated as Ok or paid as agreed because, I was a victim of covid XXXX and legally you should not have put the late payment on my credit report. 

This relief period applies starting from XX/XX/year>, until the latter of 120 days after the enactment of the CARES Act on XX/XX/year>, or 120 days after the end of the national state of emergency ; therefore, furnishers that entered into accommodations related to the COVID-19 pandemic on or after XX/XX/year>, should consider whether to treat it as applying since XX/XX/year>, and change existing reporting to comply with Section XXXX. Note- I am XXXX XXXX XXXX natural person and I am the actual person submitting this dispute and I am not a XXXX party.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX, and Equifax There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

Thank you.
Product: Credit reporting or other personal consumer reports

Complaint against XXXX XXXX and Experian and all other parities involved I am writing to dispute inaccurate information on my credit report. I found discrepancies in the following accounts and request an investigation and removal : XXXX / XXXX ( XXXX ) Account : XXXX Dispute : {$0.00} balance but still open. Inactive since XXXX  2022. Please mark as closed. 
XXXX ( XXXX, Experian, XXXX ) Account : XXXX Dispute : {$0.00} balance, yet still open. Inconsistent reported high credit. Please close and correct. 
XXXX XXXX  XXXX ( XXXX, Experian, XXXX ) Account : XXXX Dispute : {$0.00} balance but reported as open. Varying last activity dates. Please close. 
XXXX ( XXXX, Experian, XXXX ) Account : XXXX Dispute : Reported as closed with no balance, but shows a conflicting XXXX late payment. Please update status. 
XXXX ( XXXX ) Account : XXXX Dispute : Opened XXXX  2022, but last activity listed as XXXX  2019. Reported XXXX  days late despite being a collection account. Please remove. 
XXXX XXXX  ( XXXX, Experian, XXXX ) Account : XXXX Dispute : Charged off, sold to another lender, but still listed. Please remove. 
XXXX XXXX ( XXXX, Experian, XXXX ) Account : XXXX Dispute : Charged off, sold to XXXX  XXXX XXXX XXXX yet appears as an open collection/charge-off. Please remove. 
XXXX XXXX XXXX ( Experian, XXXX ) Account : XXXXXXXX Dispute : {$220.00} balance, reported as charge-off. Opened in XXXX  2023, rapid payment status deterioration. Please review and remove. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX, Experian ) Account : XXXX Dispute : Inconsistent last activity date and payment status. Please remove. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ) Account : XXXX Dispute : Reported as a collection with unclear balance and last activity date. Please remove.
Product: Credit reporting or other personal consumer reports

Immediate Request for Opt-Out and Deletion of Credit Report. I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. 3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld. I would like compensation thus per Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

This debt that Im including, was disputed and removed previously. However, the agency keep reporting under other names, the same debt that does not belong to me. Consumer adjustmentXXXX XXXX XXXX XXXX for {$310.00}.
Product: Mortgage

wells fargo. we are asking for a modification on the following property XXXX pa XXXX. we were accepted for a modification in XX/XX/2016 and the bank did not let us finalize the transaction. Now the bank says there are no programs available?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documents to correct the address that are on my credit report. I submitted documents that state my current address as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. 
I have included a copy of the results of the dispute with no address change at all. I have been residing in an apartment ( # XXXX XXXX complex for over 5 years now. 
Experian report is showing the following addresses : XXXX XXXX XXXX XXXX XXXX CA XXXX Address ID XXXX Similar address to my current address missing the apartment which makes it incorrect. 

XXXX SOUTHWEST EW XXXX XXXX XXXX XXXX XXXX CA XXXX Address ID XXXX Similar address to my current address except the EW is not accurate so again incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Address ID XXXX This isn't even my address ever and the claim its tied to an account that is closed because I didn't authorize the account to be open. 

I included a copy of my bank account with my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Also as a result of their investigation they claim the following name belongs to me : XXXX XXXX I also provided supporting documents which show my name as XXXX XXXX XXXX making the name XXXX XXXX incorrect.
Product: Credit reporting or other personal consumer reports

Recently review my credit I have an incorrect element this is damaging my ability to have credit please review this account XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My Bank transferred funds from XXXX account to another without my authorization. 
My Bank transferred funds from my saving to my checking. Can a Bank do that, especially when they offered " overdrawn protection '' and I declined!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to XXXX and Trasn Union on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.
Product: Credit reporting

After submitting the request information at XXXX, each of the XXXX credit bureaus claimed they could not provide my reports. When I attempted to submit a comment/complaint, the site claimed it could n't even accept a comment. This is a scam. I viewed my credit report at my credit union today and I KNOW what information they have. But in order to get a copy of the report, they want me to provide them with information I know they do not currently have. I am not willing to play that game. They owe me a copy by law. How can I force them to comply?
Product: Credit card or prepaid card

I had a pre-approval offer with Chase because of my long standing account that was perfect history. I applied they did a hard pull on my credit file for which they would not inform me of what credit bureau they pull from. I was declined even though I have a XXXX credit score. Very misleading advertising and pre-approval notice is dishonest practice.
Product: Student loan

I defaulted on my private student loans. Back in XXXX, when I had obtained a stable job, I set up a payment plan and have been making consistent monthly payment ever since in what they told me was a rehabilitation program. However one day XXXX XXXX XXXX XXXX they stopped taking my payments then called threatening me and telling me to pay the full amount or they 'll garnish my wages. I 've made several attempts to make payment arrangements but they only want me to settle. I would like to settle, but I do n't have access to that large amount of money. They badger me daily. I 'm terrified and tired. Please help. I 'm really trying.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

XXXX   XXXX ,2017 :Starting in  XXXX  of 2017 we (my name and my companies name) have been receiving chargeback documents from Chase Paymentech,   XXXX   XXXX   XXXX   XXXX
Product: Debt collection

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HA VE V ALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit card or prepaid card

I received a text from Citibank credit cards stating that it was from their fraud department and they needed to speak to me about my account and shared a phone number to call. After calling their fraud department, they are somehow unable to verify my account using my phone number or email registered on the account and have to resort to sending me a letter through snail mail to validate I'm the owner of the account. I tried talking to a supervisor and calling back again but no one was able to help me verify my account through any other methods besides the snail mail letter. The letter can take up to 10 business days to arrive and in the meantime my credit card is locked and I can't use it to pay for important purchases. This problem has been reported by many people online as seen in the links below XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My Venmo account was used for an unauthorized transaction on XX/XX/2017. Due to the fraudulent activity, I opened up a new venmo account to avoid security concerns. Venmo froze my new account because the transaction on XX/XX/17 was never paid and they will not unfreeze my new account until I pay the amount of the fraudulent transaction.
Product: Debt collection

UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW XXXX XXXX AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.
Product: Checking or savings account

Tried to make a purchase through cash app with my sofi debit card the merchant was fake and a scammer reported to cash app and sofi with no success
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I suffered damages due to hurricane Irma. After receiving notices from mortgage company of an assistance program to defer payments for three months I took the opportunity to use this money for repairs and fixing whatever damages were created during this hurricane. It was never explained to me by PRMG ( mortgage company ) in writing nor verbally that at the end of the three months all payments would be due at once. On XX/XX/XXXX, after three months expired I continued to make my regular mortgage payments. To later find out that I was now three months behind on payments. I contacted the mortgage company and was advised of a loan modification program. On XX/XX/XXXX a trial period of 3 months was set forward with a new payment. These payments were made on a timely manner. During this time I was going back and forth with mortgage company due to errors on loan modification application sent to me. While I continued to make the payments set forth by the mortgage company I was notified that a second loan application was going to have to be filled out as the first one had expired. This application expired due to inaccuracies from the mortgage company not only on application but also verbally. I continued to make the modified payments till XX/XX/XXXX. I contacted the mortgage company and was advised that XXXX payment will be a regular payment and not the modified payment. I made the XXXX payment while I awaited for the reply of the loan modification application. On XX/XX/XXXX my mortgage payment was returned to me as now the mortgage company said I was over 6 months late in payments. This made no sense to me as I had made the payments set forth by the mortgage company. I continued to contact the company to try to resolve this issue and pay my mortgage. As of XX/XX/XXXX I was notified that my modification application was denied. Reason for denial per letter from mortgage company is erroneous based inaccuracies and misinformation, thus placing my home in pre foreclosure status. I have had to hire an attorney to try and help me save my home as I dont want to loose it do to unprofessional and inadequate assistance from the mortgage company. I have exhausted all remedies while trying to work this out with the mortgage company to no avail. I feel as if I am being forced to foreclose on my home by mortgage company as it seems that they are reluctant in working with me. For the past year this has been the most stressful situation I have ever been in. They have refused to take my payments thus putting me further in debt. I have been in contact with them throughout this process and have yet to receive a single straight forward answer to any of my questions. Every time I call I have to speak to a different person and not one individual to handle my case. The unprofessionalism they have shown makes me wonder how are they in business. 
Additional information can be provided if necessary.
Product: Debt collection

In 2012 a credit card was opened using my name without my knowledge, When I explained all of this to capital one they didnt do anything and sold my debt to a company called XXXX XXXX XXXX 7 years has passed since that and the SOL is up. I disputed this with XXXX  and it was deleted. However it appears that theyve returned said debt back to my credit report under a new account. It is illegal to do so.