23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called Select portfolio on several occasions and informed them when I was going to pay them but instead they acted as if I never called and arranged payment. They then sent a person to my house to bring papers after speaking to me more  than 2 weeks   prior. Then I receive a letter from  XXXX  a collection agency advising of the debt but I was already given a time frame to get my payments up too date. This company is not keeping track of communication from their mortgage holders and sending mortgage holders to collection agency and sendi ng door knockers for no apparent reaso n after they have already received calls in order to bill a mortgage holder for services that are not necessary and to be harassed by a collection company at the same time after they have accepted payment arrangement.
Product: Credit reporting

I have a letter from XXXX XXXX XXXX with the control number, which is : XXXX that request Equifax to remove this information off my profile and they refuse to do so. It 's been over 60 days fighting with Equifax and I 'm trying to buy a house. Please have them to remove ASAP! I have attached the supporting document for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX Subject : Request for Removal of 30-Day Late Payment Mark from Credit Report Due to Inaccuracies Dear Sir/Madam, I am writing to dispute the accuracy of the 30-day late payment mark that appears on my credit report provided by Experian. After carefully reviewing my payment history, I believe this late payment mark is inaccurate and unfairly impacting my credit score. I kindly request that you investigate this matter and remove the late payment mark from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX XXXX Inconsistencies and Violated FCRA Sections : XXXX. **Inconsistent Reporting - FCRA Section 623 ( a ) ( 1 ) ( A ) : ** Experian reports a " No. of Months ( terms ) '' as " 18, '' while Equifax shows it as " XXXX. '' This inconsistency in reporting violates FCRA Section 623 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to provide accurate and complete information to consumers. 

2. **Reporting Credit Limit for Installment Account - FCRA Section 605 ( a ) ( 6 ) : ** Experian, XXXX XXXX and XXXX report a " Credit Limit '' of " {$0.00} '' for an installment account. However, installment accounts do not have credit limits, and reporting such information is inaccurate under FCRA Section 605 ( a ) ( 6 ).

3. **Inconsistent Past Due and Payment Status - FCRA Section 607 ( b ) : ** The " Past Due '' amount and " Payment Status '' for the XXXX XXXX account are reported differently across all three credit bureaus. Experian reports a " Late 30 Days '' status, whereas XXXX and XXXX do not specify any late payment status. This inconsistency in reporting the payment status violates FCRA Section 607 ( b ), which mandates accurate information maintenance and consistent reporting across credit

reporting agencies. 4. **Inaccurate Late Payment Mark - FCRA Section 623 ( a ) ( 2 ) : ** The presence of a 30-day late payment mark on my credit report is inaccurate and is negatively affecting my credit score. FCRA Section 623 ( a ) ( 2 ) requires credit reporti
ng agencies to promptly correct and update any inaccurate information in a consumer 's credit report.

I request that you conduct a thorough investigation into these discrepancies and remove the 30-day late payment mark from my credit report as soon as possible. Once the correction has been made, I request that you provide me with written confirmation of the update, as required by the FCRA. 

Enclosed with this letter are copies of supporting documentation that substantiate my claims regarding the inaccuracies in the late payment mark. I urge you to address this matter urgently to restore the accuracy of my credit report. 

Thank you for your attention to this request. I look forward to a swift resolution and the removal of the 30-day late payment mark from my credit report. 

Sincerely,.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that all accounts mentioned below be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts in question are as follows : XXXX XXXX XXXX XXXXccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} In addition, the following inquiries have appeared on my credit report, which I believe were caused by the data breach : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Checking or savings account

Chase checking account has listed a random person from my email as a XXXX recipient in the account bill payment area. I called Chase XXXX fraud telephone number on XX/XX/year> at XXXX and Chase advises that XXXX is a 3rd party and XXXX searched my email and found the random person and XXXX inserted the random person and their random email into my Chase account page. 
I dispute any desire to ever use XXXX for any reason. I have never used XXXX. I would never use any outside vendor to pay anyone from my Chase bank account. Chase fraud department is falsely advising that I must speak to the 3rd party vendor XXXX to remove or rectify the situation. Chase has violated my legal rights to privacy of the contract between Chase and me as the account holder by giving an outside vendor access to my email addresses or emails. Chase has a legal duty to keep anyone and any company from looking at my emails or email contacts or adding, allowing access to, or assisting any vendor including XXXX, or any person or company, from accessing my Chase account or my emails, or personal information, for any purpose.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, AK XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ON  XXXX   XXXX   XXXX   XXXX  DID A HARD INQUIRY ON MY CREDIT REPORT WHICH WAS UNAUTHORISED ... .IN TALKING TO THE AGENT I ASHED HIM IF HE WAS GOING TO DO A HARD INQUIRY AND HE ASSURED ME HE WOULD NOT.I HAVE BEEN WORKING ON THIS SINCE I FOUND OUT THIS HARD INQUIRY ON MY REPORT ... .I HAVE RECEIVED  XXXX  LETTERS FROM  XXXX  ASSURING  ME  THAT THEY WILL BE REMOVING THIS FROM MY  XXXX   XXXX  DATED  XXXX   XXXX   XXXX  AND  XXXX   XXXX  ... .I .ALSO HAVE HARD INQUIRY FROM   XXXX   XXXX   ... I NEVER DID TALK TO ANYONE IN THAT COMANY AUTHORIIZING A HARD INQUIRY ... ... PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

You mean the short version : we fell behind on our mortgage because and storm damage insurance claim was denied and we were in the midst of the double dip recession XXXX and a severe reduction in income. Since then we applied for a mortgage modification with CitiMortgage. I started keeping better records as of XXXX XXXX, XXXX, I have since then kept all copies of submitted documents. We respond either within hours, if a few documents are required or within a few days of XXXX-XXXX pages are requested. It seems after each submission latter part of XXXX we would receive email/mail stating : 'your file is now complete and has been forwarded to the underwriter ' Then some time later we get the request for more documents, which we supply. By then of course some other documents have expired, so we send those updated documents again. Then, of course they change the person in charge of my account and so on and so on. This has gone on for over a year with no end in sight. Sadly and in addition to this cruel and unusual punishment, my income, which had been reduced to negative ( my company 's gross was reduced by 90 %, therefore I lived of savings ... .they are now exhausted ) is now coming back. Yes, we are quite behind and it will take a few years to catch up, however, we can now afford the mortgage. We just can not afford to catch up on XXXX late payments. We keep asking, begging for a solution but none seems forthcoming. Should this go on for 2 years? Five years? Is there any limit? 
Of course this the the very condensed version, I can submit a much more detailed timeline with ALL supporting documents. I will attach an early XXXX as well as this year 's documents. We would gladly submit copies of ALL documents for XX/XX/XXXX-XX/XX/XXXX but that might have to be vial XXXX on a jump drive.
Product: Mortgage

I applied for a refinance loan around XX/XX/XXXX. After supplying PNC with all the required information, getting approved, and locking in pricing, PNC attempted to change the rate at the last moment. They reran my credit score ( per them, they claimed my name was misspelled - they transposed 2 letters of my first name when entering my data into their system. ) The sales agent that was responsible for my account has left the company. His boss XXXX XXXX refuses to return my emails dated XX/XX/, and XXXX. Now refi prices have moved against me, they have damaged my credit by running multiple enquiries into the credit bureaus, and I cant refi at best rates ( score was over 800 ) given my now lower credit score due to their clerical errors. Not only is this a classic bait and switch, but the bank has yet to try to resolve the loan.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 am formally disputing the accounts refleted on my credit file, which were added without my consent. pursuant to section 604 of FAIR CREDIT REPORTING act 15 U.S.C 1681b, there are specific permissible purposes required to report an account on my credit file. I did not authorize theses accounts and I do not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXX  XXXX ACCOUNTS NUMBER XXXX AND XXXX ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing disputes since XXXX of 2021 with XXXX, XXXX, and Equifax. XXXX  XXXX is reporting a past due balance that's against violation of my FCRA rights. Credit Collection is paid off and it's showing that's it not paid.
Product: Credit reporting or other personal consumer reports

I've contacted the XXXXredit Reporting Agencies several times both via phone and mail to see why discharged accounts that have been canceled on behalf of the creditor are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility of reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX regarding Bankruptcy # XXXX and # XXXX ( Provider of bankruptcy reporting to credit bureaus ) and was sent proof letter from XXXX XXXX that the Bankruptcy doesn't exist, and I also was given a letter from the UNITED STATES BANKRUPTCY COURT that they don't provide any information to credit report agencies.
Product: Debt collection

On XX/XX/XXXX, I settled my Brandsmart Card Account with XXXX XXXX XXXX. The XXXX at the time was {$3000.00} and we settled at {$1200.00} over XXXX monthly payments of {$50.00}. We sent payments monthly from XX/XX/XXXX all the way through XX/XX/XXXX and then in XX/XX/XXXX we received notice that XXXX XXXX could no longer honor the settlement because they no longer had it in their office. This obviously made no sense to me because we had an arrangement in place that was taken care of and then out of nowhere it's no longer in place? That is incredibly unfair! I tried reaching out to XXXX XXXX but they told me they could not do anything and that it was Synchrony Bank 's decision to " recall '' the account.
Product: Vehicle loan or lease

I have leased XXXX XXXX XXXX with Toyota financial services I bought gap insurance with them as well In XXXX I got in accident and my insurance company paid off the balance and a small balance left which gap insurance was supposed to pay ( it is a Toyota company paying another Toyota company situation and I have talked to both of them 20 times maybe ) Gap insurance company wrote a check in XXXX but in XXXX Toyota financial hit my perfect credit history with charge off It says paid now but now I am trying to buy a house and my credit score is lower than what it should be I just want them to remove charge off which is the mistake of their own company Called them many times called credit report companies and nothing happened
Product: Money transfer, virtual currency, or money service

My purse was stolen out of my car. Inside was my wallet and phone. Immediately had an authorized charge. On my phone I use XXXX. My Cred.ai account is linked to my XXXX. So, even if my XXXX balance is {$0.00}, I could still make a purchase using XXXX account, and the funds will automatically be deducted XXXX from my connected credit card account. Whoever took my purse, attempted to use many of my accounts. They were successful by using my XXXX. There were two money transfers or two payments made to another XXXX user. Cred.ai asked me where do I keep my PIN numbers to my accounts. Well, I have it written behind a picture in my wallet. But I suspect that my purse and phone were actually stolen by someone I know and someone who may be close to me. Whom may be privy to the codes I typically use. Cred.ai denied my unauthorized charge claim.
Product: Student loan

I had a loan of XXXX in 2007 ... .I could n't afford the payments at the time and had to due a forbearance.mthat initially racked my bill up to over XXXX ... this has been hauntin me for years ... I can not get a loan to buy a house or get a car..please help!
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

NAVIENT XXXX Balance : {$0.00} NAVIENT XXXX Balance : {$0.00} NAVIENT XXXX Balance : {$0.00} NAVIENT XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

You have violated my rights under both Section 609 ( a ) ( 1 ) ( A ) AND Section 611 ( 5 ) ( A ). I wrote to you multiple times LAST YEAR and AGAIN this year and requested you stop reporting XXXX XXXX XXXX and XXXX  XXXX XXXX for FCRA non-compliance of inaccurate data listed on my credit report. Yet the accounts remain on my credit report STILL REPORTING inaccurate data!

You said you verified the disputed information as accurate. In actuality you failed to do a thorough investigation AT ALL because you profit off of these errors. 

These facts prove you didnt investigate XXXX XXXX XXXX ; 1. Date last updated says XX/XX/XXXX but I disputed this XX/XX/XXXX XXXX. Past due reporting on a collection account, this is a violation 3. Late payments/payment activity reporting on a collection account this is a violation You clearly didnt investigate XXXX  XXXX XXXX either. Multiple inconsistencies are being reported. Different last payment dates, different dates of last active. This is a clear violation. Yet you claim you verified these accounts as being accurate?! These accounts must be removed for non compliance. You cant verify violations as accurate Experian!
Product: Credit reporting or other personal consumer reports

This is regarding my initial complaints about identity theft and inaccurate reporting. Here are my previous complaint IDs : ID FOR COMPLAINT SENT TO TRANSUNIONXXXX ID FOR COMPLAINT SENT TO XXXX ID FOR COMPLAINT SENT TO XXXX. 

I had been a victim of identity theft and saw numerous negative accounts reporting on my profile that were not mine. I am grateful to XXXX for dealing with the situation real fast. So, my concern is TransUnion and XXXX. I called them several times but they told me each time to resend my FTC letter and submit new disputes because they can't validate my reports which took so much of my time and money. 

Please help me delete these fraud accounts from my report : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The late payments on these accounts are also not mine. Please update my reports to paid on time or never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I've called the company and emailed the company proof that the debt is not owed. I've sent debt verification letter with no response..
Product: Bank account or service

I applied for a Citigold checking account with the promise of receiving XXXX thank you points around XX/XX/2016. At that time it had a promotion code I used and the terms were to make 1 bill payment for 2 consecutive months will qualify you for the bonus payable in 90 days after the requirements were met. It has been more than 90 days so I decided to ask Citi why the promotion points have not posted to my account in XXXX 2016. Citi replied saying the promotion is not valid and only targeted to specific addresses. This does n't seem right to me as I have followed all the procedures and even received a letter in the mail stating I would be eligible for the points if all requirements were met in XXXX 2016. I will attach all the information needed to confirm my case as I have followed the rules and should receive the points in my account.