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

I have a mortgage with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 150 days late payments. There was an error on their part. I was never 150 days late.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX ) XXXX XXXX account XXXX Open XX/XX/XXXX I m now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

" Account name XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights '' " Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

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. 

I did not give the credit bureau any written permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Mortgage

I have a CitiMortgage loan account it went past due back in XXXX or XXXX I got a letter from XXXX XXXX XXXX saying they could help me work out a repayment plan with CitiMortgage. So i paid them a lump sum up front and made payments to them for 18 months. Then i found out they did nothing for me at all they just took my payments and got me more behind with CitiMortgage. 
Since that time i have been trying to get my loan in some kind of repayment plan But CitiMortgage is very unwilling to work with me They keep asking for documents that i have already sent over and over again. 
Then CitiMortgage started coming up with other reasons such as your interest rate is lower now then what we can offer you. 
You have already had loan Modifications in the past we can not offer you another one. 
Your paperwork was not sent on time to stop your foreclosure. 
In the last year i have received loan modification paperwork from CitiMortgage but then i was told it was not approved or sent by CitiMortgage. 

These are the problems i am having with CitiMortgage besides the fact i have asked for copy 's of my loan documents from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, So i can find out what kind of fraud is going on with my account. 
Instead i get the run around and to this date i have not seen one document i have asked for all i want to do is resolved this matter. 
I have told CitiMortgage many time i believe my account information has been tampered with and it need to be looked at, There answer to me is. OH IT IS SET FOR A FORECLOSURE SALE AND I CAN NOT STOP THE SALE. 
There is a sale date set for XXXX/XXXX/XXXX I need this canceled until we can get to the bottom of the fraudulent activities going on. 

XXXX
Product: Credit reporting

Hello, I submitted a dispute via mail to a credit reporting agency regarding a debt that was recently deleted due to time of statutes, being placed back on my report by the original creditor. I verified that the First Reported Date and Date of Status were incorrect and being falsely reported, to include missing payment history that would verify the history of the debt. The debt was an auto loan that was charged-off in XXXX after it was repossessed in XXXX ; there was a past due balance that I was unable to completely payoff due to financial hardships, in which the account was sent to a collection agency, who attempted to collect the debt. The collection agency attempted to collect the debt after the debt had been removed from my report, and indicated in its correspondence on XXXX XXXX, XXXX, " Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency ''. That was the last correspondence received, in which I never replied. When I checked my report in XXXX, I realized the original creditor ( not the collection agency ), placed the debt back on my report. I recently received what is supposed to be the results of my dispute, in which the credit reporting agency indicated changes related to the account are on the report, and can be identified by it being flagged as updated. My report was not changed, there was no flag to indicate the debt reported was updated, and they left everything exactly the way it was. In my dispute letter I requested verification of their investigation if the creditor attempted to indicate the debt was accurate, because I wanted to see what proof of what they supplied to indicate the false dates they were reporting. I also did not receive this from the credit agency. I am seeking for my report to display accurate information in accordance with the fair credit act and statutes of limitation on credit reporting and debt collection. 

Kindest Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 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 to be updated. 


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 XXXX  days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt however the information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the information I am not familiar with. 

Please see attached a copy of my ID, FTC complaint, a copy of the XXXX report showing my information has been exposed in a national data breach and a validation of debt letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The hard inquiries listed below are items currently within my credit file, and none of these are related applications made by me. It is my official statement that someone and/or several people have applied to these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these inquiries are fraudulent, and they have known this for several months, but have yet to remove these inquiries from my credit reports. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

XXXX XXXX XXXX  ( Bank ) XX/XX/2022 XXXX ( Finance ) XX/XX/2022 XXXX  ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Auto ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  ( Auto ) XX/XX/2022 XXXX XXXX  XXXX XXXX  ( Bank XXXX XX/XX/2022 2022
Product: Debt collection

The company continues to harass me about debts I have paid to the companies about enhanced recovery company does n't have a bond to collect a debt in the state of Texas. I would like this removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 an attempt was made to open a credit card account under my name. I immediately reported it as fraud, and the account was closed. I then proceeded to place a freeze on my credit report with the 3 agencies. On XX/XX/2020, I received another notification that the same credit card company pulled my credit report from Experian. Experian allowed my credit report to be pulled on a frozen account. I want all inquiries from XXXX XXXX/XXXX  removed from my credit report, and for Experian to actually freeze a frozen account. Experian does not provide a way to actually talk to a representative, so this is my only option. 
Credit Freeze reference number : XXXX
Product: Student loan

Navient has been my loan servicer by transfer from original lender ( XXXX XXXX ), since mid XX/XX/XXXX. 

I have been working at XXXX XXXX since XX/XX/XXXX. I am currently a tenured XXXX at XXXX XXXX XXXX, XXXX XXXX. 

In XX/XX/XXXX, I called Navient after hearing about Public Service Loan Forgiveness Programs ( PSLF ). After hearing my request as a XXXX XXXX, they placed me in a income-based repayment plan which would qualify me for PSLF. They said it would take ten years ( 120 payments ) to  qualify for forgiveness. They informed me I would need to recertify my income every year to continue to gain credit towards the ten years, but gave me no further instructions or steps to take. 

My repayment plan started in XX/XX/XXXX. Every XX/XX/XXXX since then, as directed, I have called Navient to recertify my income and have asked them every time if this was going towards the PSLF. Since loan forgiveness for a XXXX XXXX was my reason for calling them in XX/XX/XXXX, I made sure with every phone call that I was on track. Every time I was explicitly informed that I was. 

In XX/XX/XXXX, after reading about fraud with lenders and this program, I wanted to make sure I was not being defrauded. I called Navient to ensure that I was still on track for PSLF, and for the first time informed I was not. This came as a complete surprise and devastation, since this was my original intent since XX/XX/XXXX to be a part of PSLF. 

They stated that I would need to have a Direct Loan, and that my loan type was not eligible. In XX/XX/XXXX, unlike what they were telling me, Navient never put me on track ( in this case inform me about a Direct Loan, ) towards PSLF. I have consistently been told by Navient that I was on the right track towards loan forgiveness ; however, five years into my loan, upon my pressing, was I informed I was not qualified because I had the wrong type of loan. 

I have talked to multiple people at Navient and the only recourse I have is to change my loan type, starting the clock back at XXXX ( versus the five years I thought I have paid towards PSLF ). 

Navient and their representatives have informed me that there is nothing they can do to give me credit for the five years I thought I was paying towards PSLF. Since this was information they have given me, I would like recourse wherein the last five years payment is credited towards PSLF in a qualified loan type.
Product: Vehicle loan or lease

Hi ive traded my XXXX XXXX XXXX  in XX/XX/XXXX to a dealership for an upgraded bigger vehicle because i was expecting in XXXX. by XX/XX/XXXX i called penfed credit union to ask for a payment date change because i was going on XXXX leave & because I would be out of work my income /dates would be as they were so i asked i was deniedXXXX i called back to ask for my due date changed again & why i was denied again so i tried to continue making monthly payments on the XXXX of each month..this became overwhelming..i then called to ask can i refinance the car because my income has changed i was denied..so as im trying to keep up on my payments i was noticing that penfed took XXXX XXXX XXXX card numbers off the account for direct deposit so wen the money is authorized to be withdrawn its never getting withdrawn it jus sits until i call which is days maybe weeks later then im getting penalized for this with extra fees..so on XX/XX/XXXX i called them again ( which is every month ) i spoke w a young man who changed my date for me to the 2of every month starting XXXX XXXX its now XXXX XX/XX/XXXX & i have the money in my account still & i call penfed to ask why r my deposits never getting took off the card for my loanthe representative says she dont see a payment date change in the system, i didnt pay for XXXX i proceed to tell her wen the moneys there take it i have life insurance cable phone rent etc coming off days apart so u guys have to accept wen its there..because others are going to take theres off & i shouldnt be held accountable for theyre lateness i asked to speak to a supervisor she then puts me on hold literally for XXXX XXXX jus to tell me her supervisor is not available to speak with me then she says i never had insurance since I bought the car i told her maam i cant drive off the lot without insurance i had XXXX XXXX i also let her kno that it laspe & was due to me being outta work & i will get back on asap..i paid XXXX of my income tax on this car & im making my payments regularly here it is XXXX they still havent took theyre money they keep saying XXXX XXXX havent released the money then it was i had a bad card sometimes i get hung up on & im scared they will repo my car she said i was only one month back & i told her due to u guys not taking the money off other creditors have taken theres thats why im alil behind..please help me
Product: Debt collection

I am not liable for this debt with XXXXXXXX XXXX XXXX and I do not have a contract with SEQUIUM ASSET SOLUTION plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX****, XXXX XXXX XXXX**** and XXXX XXXX XXXX  XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Debt collection

I had an account at XXXX used by house keeper. She lost the card. Someone then took the card. Opened a XXXX note for XXXX. I never noticed it until I had 2 charges on my card. Over XXXX for one and Over 300 for another. The CC Connect company used a routing number that could be be traced so I cancelled the card. At the time the note was reported taken out I was traveling for work. I have received a written notice from CC Connect credit collections. CC Recoveries. The account number assigned to me XXXX. Have lookedover the document and the IP routing number is not my computer and the contact phone number is not mine. I have disputed this as Fraud and now am following up with reporting this event.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tool a parent plus loan for my son to attend XXXX XXXX college. Unfortunately the college closed down so I applied for a loan dismissal which was approved. I received a letter stating it was dismissed and I do not need to do anything else. All of a sudden I started receiving statements and I called and Nelnet said I haven't paid the account in months. After speaking to various people at Nelnet I was told that it was a problem on their end due to a need to update questions # 9 on the dismissal form. So even though it was dismissed, without my knowledge Nelnet reopened the loan and without any warning my credit report was ruined it went down by 47 points in one day. I called Nelnet and spoke to a rude woman named XXXX who stated that no matter what there is nothing they will do to take off the report from my credit. She admitted it was an error on the Nelnet 's behave and said still they can not fix the credit report. This is a nightmare for me and my family I spent years fixing my credit and finally got it to a good place and now we are worse off than ever due to Nelnet 's negligence.
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 XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX  XXXX XXXX Balance {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Debt collection

I would like to formally submit a complaint against this company for several violations, including their acquisition of my medical information and their failure to provide validation proof of the alleged debt. I request once again that this company provide me with the requested documents. Additionally, I ask that the CFPB and other consumer protection agencies review this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two credit card companies ran hard inquiries on my credit report on XXXX XXXX, 2022. I did not apply for cards or credit with either of these companies. When the companies were contacted one of them did not answer and the other said that an account existed in my name. I have never authorized any of these transactions. The credit reporting agency only advised me to contact the companies. 

The companies are XXXX XXXX and XXXX, both on the same day and both located in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00}
Product: Payday loan, title loan, or personal loan

Payoff.com fraudulently and maliciously told me I was fully approved for a {$25000.00} loan that they advertised and offered to me. They had already verified the truthfulness and veracity of my credit report, my bank account, and my employment/income. They only illegally denied me, and in the process irreparably damaged my credit through no fault of my own, because I was shopping around for loans ( they never told me not to shop around for loan rates - even though such a request would be illegal ). Payoff.com is a crimInal racket run by scam artists on unsuspecting consumers and they need to be shut down.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute several inaccuracies on my credit report. These accounts and inquiries do not belong to me, and I request that you investigate and remove them immediately, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below are the details of the accounts and inquiries in question : XXXX. XXXX, Account # : XXXX, Bureau Code : Joint, Balance : $ XXXX I am not aware of this account, nor have I ever opened a joint account with XXXX This account is fraudulent, and I request that it be removed immediately under 15 U.S. Code 1681. Please take immediate action to remove this fraudulent account from my credit report. 
XXXX. XXXX, Account # : XXXX I have never owned a credit card. XXXX account is fraudulent. Please remove this account from my credit report promptly. 
XXXX. XXXX, Account # : XXXX, XXXX : $ XXXX I have never received any notification or documentation regarding this debt, which denied me the opportunity to dispute it. I contacted the collection agency immediately after seeing this account on my credit report, but they have failed to provide adequate documentation to validate the debt. This is a violation of the Fair Debt Collection Practices Act, and I request that this account be removed from my credit report. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX This account is invalid, and its presence on my credit report is a violation of 15 U.S. Code 1681i ( 5 ), which mandates the removal of invalidated credit information. I demand that this account be removed immediately. 
Fraudulent Inquiries : XXXX XXXX These inquiries were made without my authorization, and I request their immediate removal from my credit report as they are fraudulent.

Please send me written confirmation once these fraudulent accounts and inquiries have been removed from my credit report. I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX XXXX