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

Per XXXX XXXX XXXX credit card services this account was supposed to be deleted off all 3 credit bureaus
Product: Debt collection

Getting calls from a office of XXXX about a debt from XXXX or XXXX. 

I don't have any records of collections on my credit report. 

I am being threatened with Court action. 

They are saying they sent me a letter that I never received. 

I don't know if this is legitimate or not. I need some clarification on this
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the accounts, erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX     2017  I received a letter from the IRS instructing  XXXX   County   Circuit Courts  and the Credit bureaus to remove a paid lien entry on my credit reports, I sent them both a certified letter showing this, They have failed to comply and remove this entry from my credit reports as they are unfair.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED XXXX XXXX. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : BARCLAYS BANK DELAWARE Account Number : XXXX
Product: Checking or savings account

I've recently had some issues with transactions I definitely did not authorize, NFCU claimed they saw no error. 

Today, on XX/XX/24, my debit card randomly stopped working. I reached out to support and the told me my debit is suspended for the next two years - I received absolutely no prior warning, email, or letter that this was going to happened. I have funds in my account that I can not even use or transfer. 

This happening without any notice has caused me extreme stress as I can not even pay my bills or access my funds.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX 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 in 60 days 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. 


XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX
Product: Prepaid card

I submitted a complaint on XX/XX/year> because I had an AMEX gift card that was unusable on XXXX, XXXX and any other website I tried as well as being unusable in person in a grocery store. I received confirmation from CFPB that they sent my complaint to AMEX. But then they closed the complaint because AMEX said they were sending me a check for the {$250.00} value of the card and cancelling the card. They misspelled my name on the check even though it was spelled right on the letter and the complaint and the gift card. So my bank will not cash it, even though it's similar to my name and has my mailing address on it. There is no phone number or contact info on the check payment stub nor on the letter they sent. So I'm basically starting the entire process over again.
Product: Checking or savings account

My deposit usually is 2 days early. It did not go through on Wednesday XX/XX/25 as it normally would 2 days early. The main issue is that today is my actual payday and there has not been any deposit into my account. I don't expect it to be early but I also don't expect it to be LATE. My deposit is now LATE. TODAY is my direct deposit actual pay date and nothing is there and I can not contact Capital One as their line does not get you to a representative and when you ask for one the call drops. This is ridiculous and I need to be compensated for this late deposit that still has not yet occurred.
Product: Debt collection

I received a notice on my credit report showing an unknown collections account for a debt that is not mine, I do not know, nor ever had outstanding. I had a similar problem back in XX/XX/2019 with another collection company called XXXX XXXX XXXX XXXX XXXX 

My guess is that they sold off some debt to this new company called Credit Management LP - XXXX  XXXX XXXX XXXX, TX XXXX. 

Back in XXXX the file was closed at XXXX XXXX, XXXX after I submitted a complaint through this system and with the credit agencies.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of ed/XXXX XXXX XXXX XXXX All hard inquiries has violated my rights. 

I looked at my XXXX, Equifax, report on XX/XX/XXXX through XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if after any investigation under paragraph ( 1 ) of any information disputed
Product: Mortgage

Working on an FHA short sale with Ditech - Ditech has a complete package yet has failed to process the short sale request. XXXX is the short sale negotiator and XXXX XXXX is his supervisor.
Product: Debt collection

I've been getting calls every day or twice a day. Once I was told that Portfolio Recovery was going to sue me for fraud over a debt and i could go to jail on XXXX, XXXX. On XX/XX/XXXX I was served papers for debt claim citation the. On the paper i was served they said i owe {$1100.00} but on XXXX it says {$1100.00} I feel they broke law Texas Finance Code Chapter 392 Subchapter D & Section 1692d ( 1 ) and 1692d ( 2 ) in Title 15 of the U.S. Code & Section 1692d ( 5 ) in Title 15 of the U.S. Code & Section 392.302 in the Texas Finance Code
Product: Credit reporting, credit repair services, or other personal consumer reports

34 inquiries appeared on my TransUnion credit report in one day with different dates that I didnt authorized. I called TransUnion fraud dept and wasnt able to help
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months credit card companies have not updated their information to XXXX XXXX XXXX and XXXX by not doing this my accounts were not reflected in a positive manner causing me the inability to obtain services that would have been granted if my information was current and correct
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX XX/XX/XXXX To : Trans Union Supervisor, Legal Department XXXX XXXX XXXX XXXX, IL XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED Re : Failure to conduct a reinvestigation ; request for damages under the FCRA To Transunion, On XXXX XXXX, I mailed you a letter disputing inaccurate and past the stature of limitation information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX  XXXX account # XXXX and XXXX XXXX XXXX  Account # XXXX. As per U.S.P.S. records, you received my above-mentioned dispute letter on XX/XX/XXXX. Accordingly, under the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter. Specifically, you received my dispute letter on XX/XX/XXXX ; therefore, your response was due on or by XX/XX/XXXX I have allowed for 34 days to pass to account for any delays in mailing by the U.S.P.S., but to no avail, it appears that you have willfully failed to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter as required under the FCRA. 

As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FCRA, deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. Your time period to conduct such a reinvestigation has expired and shall not be extended by law. 

Promptly delete the disputed information and send proof thereto and send me the check to my mailing address listed above in no later than fourteen ( 14 ) days of the date of this letter. Time is of the essence. If you do not timely comply with the requests within this letter, I intend to turn this matter over to a consumer lawyer for consideration of litigating the issue in federal court. 

Sincerely, XXXX XXXX Social Security Number : XXXX Date of Birth XX/XX/XXXX Enclosures : Original dispute letter dated XX/XX/XXXX ; ID ; U.S.P.S. tracking data cc : Consumer Financial Protection Bureau via upload
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain inaccurate and unauthorized information on my consumer report XXXX XXXXXXXX, generated on XX/XX/2023. These inaccuracies are causing significant harm to my credit score, and I request that you take immediate action to correct them. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am exercising this right by disputing the following highlighted portions of the report : [ All highlighted Hard and Soft Inquiries/ Address ]. 
I believe that these items are inaccurate because I never applied for credit from the highlighted Creditors yet they chose to report inaccurate information on my consumer report and when contacted to dispute I was met with no response which is out of my control. It is my hope Experian can investigate these fraudulent Inquires and remove them as they are unauthorized and in violation of the Fair Credit Reporting Act. 
If you require any further information to process my request, please do not hesitate to contact me. 
Thank you for your attention to this matter. I look forward to a prompt resolution to this dispute. 
Respectfully submitted XXXX XXXX
Product: Mortgage

The home at XXXX XXXX XXXX XXXX, XXXX, TX XXXX is part of the XXXX XXXX XXXX XXXX XXXX. The owner became past due on his assessments but then passed away in XXXX 2015. I am the XXXX and notified the mortgage company, PHH Mortgage Corporation of his death in XXXX 2015 after finding that his children did not plan to take the home. I have been in touch with PHH Mortgage at least monthly but as often as weekly to voice the Board of Director 's, neighbor 's, and my concerns about the home as the water has been turned off so the yard/trees are dead and there are rats in the overgrown vegetation/empty house. In every correspondence, I have have requested that they expedite foreclosure as obviously the deceased is not going to be making payments. The house 's condition has continued to decline. The XXXX has started baiting the house for rats, we have spent close to {$900.00} so far in treatments. We have also started mowing the lawn. We can not water the lawn or help with the foundation that is cracking. There are stones falling off the home because of the foundation 's condition. This home is in a very affluent neighborhood XXXX. The house would sell very quickly as all the homes in this community do. This home is on XXXX the larger lots. I have explained all this to the mortgage company. The owner passed away over 1 year ago. The XXXX is now owed {$12000.00} post bankruptcy on this home. The other owners are paying for the demise of this home not only with their assessments but with their property values.
Product: Debt collection

i wrote a letter to this company in XXXX and asked them to send me verification of this account with my wet signature they have not provided it
Product: Debt collection

The company named Portfolio Recovery send letter that i owe them {$1900.00} and the Date Report is XX/XX/2018. I send email dispute charge and i told them i do not own them any money. they keep calling to my phone and i block their phone number and i they send letter that they will give the case to law office. I sent the mail and ask them to stop contacting me and Treating me, also i do see i my credit report that they send their false claim to report to credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute several items /things on my credit report such as in-accurate personal information-I tried to update my personal information with XXXX  online but no such change was made it continues to no change, these item are hurting my credit report not allowing me to fix my credit information/report. 
is /if there is a solution i would like some help.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately 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

Notified company of reopened XXXX XXXX  bk case -- still reporting as delinquent
Product: Credit reporting, credit repair services, or other personal consumer reports

I was divorced XX/XX/XXXX and the divorce decree stated that a property with a XXXX XXXX XXXX line of credit was given to my ex-wife. The line of credit was {$100000.00} joint account if both of our names. In XX/XX/XXXX Fay Serving LLC acquired the property and sold it for {$110000.00}. I was never notify that the property was transfer to another company or in forecloser, I never sign or agreed to anything. The property sold for {$17000.00} more than what was owed on it. My ex-wife received the proceeds from the sale. Fay Servicing LLC reports the forecloser on my credit report and social security number for taxes and I didn't receive any of the proceeds either. I had no control over this property or decisions on the sale.
Product: Credit card or prepaid card

I am concerned because i only owed XXXX on my care credit and out of nowhere they raised that I now owe XXXX I understand that there was a promotion for a year and that the year is up. But why are they charging me XXXX more to my new balance instead of now charging me interest fees? As my understanding they should charge interest now that the promotion is over but why add XXXX to the balance? As well as I was paying XXXX dollars interest every month before the promotion was over.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 an alleged fraud or extortion. 



XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$340.00} ; XXXX XXXXXXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX, XXXX XXXX T ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a fraud alert on all 3 of my credit reports and am trying to get fradulant inquiries off my record and customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mortgage holder Pennymac is collecting too much escrow for my taxes. I have told them repeatedly and they just give me some platitude and nothing changes. My original payment, without escrow is about XXXX dollars. I have bee paying XXXX dollars for the past year to collect for taxes. My taxes are XXXX per year and the XXXX extra they are collecting is too much. There was also a payment /i made to the county for taxes for the amount of roughly XXXX which the tax assessor gave to the bank since they had already made the payment. I should have gotten that refund. after that they started collecting over XXXX per month to make up some purported shortfall and then the XXXX i currently pay. 
I feel I am being taken advantage of by this bank. I have asked to be called by someone and they refuse. Calling their toll free number is useless. I have not gotten an escrow analysis either and someone with whom to go over.