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

XXXX XXXX sent me information via CFPB portal addressing my request for Date of First Delinquency regarding accounts listed below. 

XXXX XXXX Comenity Bank/Express XXXX Showing XX/XX/XXXX- as the Date of First Delinquency ( See Screenshot ) But are reporting a Date of Last Payment as XX/XX/XXXX. 
My question is how can Comenity Bank report Date of Last Payment as XX/XX/XXXX yet State the Date of First Delinquency as XX/XX/XXXX. Obviously, the Date of First Delinquency should be the month after which makes it XX/XX/XXXX not XX/XX/XXXX, which is 7 years. Remove this account for inaccuracy. Both dates can not be accurate. 
XXXX ) Comenity Bank / Victorias Secret. 
Delete account it is surpassed 7 year period I also request PROOF such as Bank Records from Comenity Bank that substantiate that the Date of Last Payment was in the year XXXX and they are not making any sense as they are proving further that this account was RE-AGED!!!! Again this account is NOT MINE and is more than XXXX XXXX XXXX. 
Comenity Bank speaks of waiting for information from me. 
I received a request after already attesting that I have XXXX income and can not work due to covid complications from a inpatient stay for 7 days in XXXX XXXX  XXXX. hospital. 
I already submitted this information via CFPB Portal in writing. 
That should be enough!! 



In case this account I am disputing is VERIFIED, I in advance request from your credit reporting agency ALL records that will reveal the procedures used to verify account. 
I am also requesting the name ( s ) of the person ( s ) you spoke with along with the Business Name, Telephone Number and Address.Ths request is in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).
Product: Credit reporting or other personal consumer reports

COMPLAINT AGAINST EXPERIAN CREDIT REPORTING : During XXXX- XXXX 2023 I filed a complaint against Experian Credit Reporting XXXX complaint # XXXX, but they never corrected the issue! Now they have retaliated and caused issue # XXXX : they now reduced my credit score from XXXX score to XXXX score. 

They have played with my credit report and credit scores for the past four years : they reduced my credit score that always has been XXXX, by XXXX XXXX points all the time, for no reasons. 
It seems that someone ( s ) is paying them to destroy my good credit. 

Attached are my XXXX REPORTING SCORE THIS MONTH AS AN EXAMPLE : XXXX POINTS DIFFERENT-GAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Experian credit reporting must stop their retaliations, and must correct my true credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing these fraudulent inquires please remove them because I did not authorize any of the following. 

1 ) XXXX XXXX  XXXX XXXX XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) ( XXXX ) 3 ) XXXX  XXXX XXXX  XXXX  ( XXXX ) 4 ) XXXX ( XXXX ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXXXXXXXXXX  ( XXXX ) 7 ) XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$4500.00} XX/XX/2019 XXXX XXXX XXXX - XX/XX/2019 15 U.S.C, 1681section 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 ) 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 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 am writing to formally dispute the reporting of late payments on my Transunion consumer file, specifically related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Upon reviewing my credit report ( Reference Number : XXXX ), I noticed that these late payments are inaccurately reported, which is adversely affecting my creditworthiness. 
Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions.

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions.

Moreover, in alignment with 15 USC 1666b, 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 they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case If you can not produce the necessary documents validating these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately or be updated to reflect as Paid on Time or OK. 
It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands. 
Please initiate an investigation into this matter immediately. According to the FCRA, you are required to conduct this investigation within 30 days of receiving this letter. Upon completion, I request to be informed of the outcome of your investigation and to receive an updated copy of my credit report if any corrections are made. 
I thank you in advance for your cooperation and expect a prompt resolution.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX Date of inquiry : XX/XX/year> XXXX-XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Debt collection

I would like to begin by saying that this is common practice for the landlord associated with the complaint, who houses approximately  XXXX  students in  XXXX , MO, every year. If they know you are graduating, they send you a notice of damages knowing you will never be their customer again, knowing most people will pay. Of  XXXX  fellow graduates and tenants that I spoke with, all have experienced the same issue. This is rampant abuse of the system.
 XXXX 
I leased an apartment from   XXXX   XXXX   XXXX   XXXX   XXXX  . The lease ende d  XX/XX/XXXX . O n  XX/XX/XXXX , I received notice from  XXXX  in the landlord 's accounts receivables division that I was being charged {$160.00} for 'damages ' to the unit I leased. There were no damages to the unit, and this was confirmed orally by their leasing agent,  XXXX , to my roommate,  XXXX , at the commencement of our walk-through on  XX/XX/XXXX .   XXXX    was not provided with documentation of the lack of damages. More relevant than the lack of damages is the state of Missouri 's requirement of landlord 's to deliver notice of damages within 30 days of the termination of the lease. See here :   XXXX   XXXX   XXXX   XX/XX/XXXX J XX/XX/XXXX , and I received notice of damages on  XX/XX/XXXX . I quoted the relevant statue provided above to  XXXX  in accounts receivable, expressing that I would not be paying for the damages. According to  XXXX , my 'debt ' was sent to collections company Accudata on XX/XX/XXXX . I never received notice of this 'debt ' from Accudata.
 XXXX 
My father, however, did receive notice, and received a derogatory mark on his credit report, too. He disputed the debt with Accudata immediately by mail, expressing that  XXXX  was too late in reporting damages to us according to Missouri statutes. Accudata replied by sending back images of supposed damages.
 XXXX 
The derogatory mark from Accudata exists on our credit reports to this day, and we have still not paid said 'debt '.   XXXX   XXXX   XXXX   XXXX   XXXX   is a subsidiary of   XXXX   XXXX   XXXX  , and operates under the '  XXXX   XXXX   XXXX   ' brand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had this account is outside of the statute of limitations under the fair debt collections practices act and i wanted this account deleted from my experian credit report due to very harmful negligence by XXXX XXXX XXXX. I once had a checking account with them in which the banking officer XXXX XXXX had setup the secured loans payment to come directly out of my checking account for for some strange reasons in the banking system it did not take the money out of the account by which my direct deposited of social security for the XXXX would have taken care of the secured loan that i had with them in order to establish payment history. I have had terrible service with them on this issue and resolving this issue with them. I was told that their systems did not recognize my account by which the payments was to come from and it was not their fault the banker assured me of the payment and in the ledger the four month was called a system error by the electronics funds transfers act the bank blamed it on me fir their negligence. I removed my funds from their bank and i had to suffer with this derogatory 4 so called missed payments because their systems XXXX  up and when i called them to speak to XXXX XXXX the branch manager they did not even consult her because she did not work there anymore. 
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2013 Account type Secured Loan Balance Loan Amount {$0.00}
Product: Student loan

For the second year in a row, I have submitted my Income Based Repayment Forms as per the Instructions for Submitting the Request included with the form ( see attached ). I sent it via fax in XX/XX/XXXX in order for it to be processed by XX/XX/XXXX. I believe it is absurd to have to submit the paperwork three ( 3 ) months in advance in order for it to be processed ; nevertheless I followed the instructions given. 
Once again, I am forced to resubmit the paperwork by email ( an option that is not available on the Instruction form ) and I have to wait 7-10 days for the email request to be processed. It will then apply to my XX/XX/XXXX statement, forcing me to agree to forbearance as I can not make the required payment for XX/XX/XXXX ( which is why I am asking for IBR option in the first place ). This means that the interest for this month will be capitalized to my student loan because of ACS 's negligence in processing my timely request for IBR. Attached are the forms I submitted on XXXX XXXX for my XXXX XXXX payment, along with the fax confirmation that ACS received the paperwork. 
In XX/XX/XXXX, the same thing happened. I submitted the paperwork in XX/XX/XXXX for IBR by mail and they also indicated they had not received it. I resubmitted by fax and again they indicated they did not received it. This caused negative reporting on my student loan and again, the only other option available was to request forbearance and have the interest capitalized on my loan. They processed my request in XXXX XXXX after multiple attempts to have my request processed. 
As you may know, it is hard enough dealing with repayment on student loans that ACS has to add to the burden by having unreliable methods of communication, requesting unreasonable efforts on behalf of the students to submit a simple form and by forcing students to have the interest capitalized when ACS has failed to process and IBR request by only offering forbearance as an option. 
Remove any negative reporting during XX/XX/XXXX, apply any interest capitalized as a result of ACS 's negligent servicing of my student loan to my loan principal, add the email address ACS uses to process the request to the " Instructions for Submitting the Request ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again I find myself in with nowhere else to turn but CFPB due to credit agencies not acting on requests that they by law they're own policies are NOT doing. This is truly become a never ending nightmare in a time when the world is in crises and financial institutions, credit agencies, lenders and EVERYONE should be trying to help each other and NOT continuously make things for difficult than they need to be. This has become a near daily occurrence and the damage that is causing to my ability to survive financially is more difficult which like millions of others, causes more people to take more risks, life and death risks that even in the predatory lending and " bought and paid for '' credit reporting agencies are literally putting peoples lives at risk, and is beyond comprehension why these companies are not trying to help people survive instead of, by blatant disregard for the statutes, doing the exact opposite. What is it going to take for these companies to actually help people? So, anyway I sent written requests to all credit agencies to remove my fraud alert since all the fraudulent activity had been cleared, and the continuation of the alert was being cited as reason for denial of credit. Not only did this cause me the inability to get financial assistance to survive, but actually did more damage to report making things even more difficult. I received a notice from XXXX  XXXX XXXX  that my application was denied do to the alert on my EXPERIAN account witch I had sent all the documentation forms etc to have the alert removed. The documents etc were confirmed delivered by the USPS, but the alert remains and I have not even received a notice from EXPERIAN that they're own policies state, upon receipt of forms, identity verification etc, the alert will be removed immediately. THIS IS NOT WHAT IS HAPPENING! We are all on the same team here, team humanity, please help and not hurt for XXXX 's sake! AND I am begging you to please NOT send the standard " still working on it '' response. This is your way of delaying the action for 60 days and who knows where the world will be in 60 days. Please help us!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to inform me that recovering lost funds was impossible and that tracking these findings was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 

Thank you for addressing this issue.
Product: Credit reporting or other personal consumer reports

I have submitted several letters to XXXX about updating my personal information. I provided them with proper documentation for this update, however they are still reporting old addresses that do not belong to me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or 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 XXXXXXXX XX/XX/XXXX
Product: Student loan

I've attempted to contact Mohela twice a month since XX/XX/year> but no response to my email inquiries or able to reach them by phone. It says the call can not be completed at this time and this was on XX/XX/year>. No actions have been taken by the company even though the US Department of Education has sent me and them paperwork XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting ten CFPB complaints and six dispute letters requesting that you remove the fraudulent accounts and information that are being reported on my Credit File! You have been stubborn to not remove the disputed items completely from my Credit File and yet you have been claiming that the disputed items have been verified. Under the Fair Credit Reporting Act section 605b, you ( The Credit Reporting Agencies ) are required to remove any accounts and information that resulted due to identity theft. Despite the numerous attempts in having the disputed items removed, you have been persistent with your claims that these items are verifed, and yet you have not sent me any copies of proof of verification that resulted from your supposedly investigation. Once again, I am requesting that you remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00}. I have informed my legal council about my situation and they are willing to help me resolve this matter in " legal ways '' possible. If it is not too much to ask for, please remove the disputed items immediately.
Product: Credit reporting or other personal consumer reports

I requested again the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX XXXX : {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/2023 XXXX XXXX - XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX - XX/XX/2023 : XXXX  - XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This company has tried to collect money from me multiple times, but when I called them out, they removed my information from my XXXX and my XXXX XXXX accounts, but they have refused to remove this off of my XXXX account. I have done a dispute through XXXX to get this off of my credit report.
Product: Mortgage

I have my mortgage through loancare LLC. I was on a payment assistance through the department of economic opportunity where they were helping with my mortgage payments until XX/XX/XXXX. They advised me they sent the payment to loancare at the end of XXXX for the last payment, but loancare would not apply the payment until after I had to call multiple times in XXXX where I was advised it would be applied, but it wasnt finally applied until XX/XX/XXXX! The department of economic opportunity sent them the payment at the end of XXXX!! This has caused an issue for me due to the fact loan care did my escrow analysis before that payment was applied so it shows I have an escrow shortage of about XXXX. I have tried calling over 10 times today to try and reach someone for them to re run my escrow analysis so I am not showing short. I cant even reach a live person! The phone keeps disconnecting even though my statement shows they are open today until XXXX est. I have never been through such a high amount of stress from a company before. Its been a nightmare dealing with them ever since we got our loan in XXXX. On top of that, their systems were hacked and they were under a cyber attack and I received no notification of this until weeks after it happened with a letter through the mail! This has caused fraudulent activity because my information was taken, with even a credit card opened with my information and multiple spam calls. My credit has been impacted by this, we were denied multiple loans which caused hardship, and the stress and anxiety because of this has been horrific. its been awful. If loancare does not resolve this I will be going to the media and filing a lawsuit. I was denied loans to help with necessary home improvement due to this and them posting the payments late that the department of economic opportunity was sending for our account. I even tried to look into getting an equity loan and was rejected.