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

I submitted numerous investigation request of an erroneous and inaccurate bankruptcy case # XXXX appearing on my credit report. The companies response that they don't have enough identifying information on me is just bogus and a stall tactic. I've provided more that adequate information for these companies to delete this information from my credit file that is causing me a hardship. 

I supplied XXXX with 2 pieces of additional and relevant information of which XXXX chose to ignore. It was a letter from the Bankruptcy court and one from XXXX ( please see attached ) This inaccurate information is hurting my credit and future job opportunities. This inaccurate information needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE Group is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt on my credit fie. I was not in the hospital at this time and there is no way that this debt is mine. I think that my uncle has stolen my identity. I also never received a phone call, collection notice or letter which is in violation of my 30 day right to dispute.
Product: Credit card or prepaid card

XX/XX/2021 : Discover denied application denied due to : LACK OF RECENT REVOLVING ACCOUNT INFORMATION XX/XX/2021 : Discover denied the application due to : RECENT REVOLVING ACCOUNT ACCOUNT INFORMATION NOW PRESENT
Product: Payday loan, title loan, personal loan, or advance loan

Healthcare Finance Direct is a financial institution that serviced the now defunct XXXX XXXX XXXX. Despite XXXX XXXX XXXX contracts now being null and void because XXXX XXXX XXXX can no longer fulfill its contractual obligations ( for example : no longer providing any services, correcting teeth after aligners did not work as promised ), Healthcare Finance Direct is refusing to cancel payments and attempting to collect on a voided contract. 

I have contacted them repeatedly in writing and referred them to the contract I signed, indicating that XXXX XXXX XXXX was unable to fulfill their side of the contract and I now have significant issues with my teeth XXXX can not correct, but Healthcare Finance Direct have not responded except to send late payment bills and threaten to take me to collections.
Product: Checking or savings account

We ordered about four products from XXXX but we started receiving a lot of calls from companies called afterpaying. prepay and flexshopper wanting to be paid afterpay flex shopper did take money from our checking account after pay refunded is money we never ordered anything from flexshopper but yet they are trying to charge us XXXX dollars a week We did receive some products from XXXX that we did not order and we sent it back we thought we was good until flexshopper started calling every day five times afer we closed our account so what do we do now
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. 


XXXX XXXX XXXX XXXXXXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX - {$0.00} -HAS VIOLATED MY RIGHTS UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX, personal XX/XX/XXXX XXXX HAS VIOLATED XXXX XXXX XXXX XXXX  XXXX HAS VIOLATED MY RIGHTS XXXX  XX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXX/XX/XXXX - HAS XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX- 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 of 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 address a concerning issue regarding the reporting of my credit history by Experian, one of the major credit reporting agencies. Specifically, I am disputing the late payment reported on my credit card account with XXXXXXXX XXXX identified by account number XXXX or XXXX as it appears on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681, it is crucial that credit reporting agencies ensure the accuracy and fairness of the information they report. However, I have observed that XXXXXXXX XXXX is inaccurately reporting a late payment on my account to Experian. 

This discrepancy is particularly troubling as the late payment is not reflected on my credit report with XXXX nor XXXX. Per subsection b4 of 15 U.S. Code 1666, which addresses the correction of billing errors, XXXX XXXX is obligated to rectify any inaccuracies in reporting to ensure consistency across all credit agency reports. 

Additionally, in accordance with 15 U.S. Code 6802, XXXXXXXX XXXX is required to provide consumers with the option to opt out of certain information reporting, such as late payments on credit reports. However, I have not received an opt-out form from XXXXXXXX XXXX XXXX as mandated by subsection b of 15 U.S. Code 6802. This failure to provide me with the necessary opt-out information violates my rights as a consumer to manage the disclosure of personal information and operate fairly in commerce. 

The inaccurate reporting of this late payment has had significant adverse effects on my financial well-being and ability to engage in various transactions. It has hindered my ability to obtain mortgages and extensions of credit, causing undue stress and hardship for myself and my family. 

In light of these violations and the resulting impact on my financial rights, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in XXXX XXXX XXXX reporting. I also request that XXXXXXXX XXXX be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

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

Subject : Dispute of Incorrect Address Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of incorrect addresses listed on my credit report. These addresses are not mine, and I am requesting their immediate investigation and removal to ensure the accuracy of my personal information, as required under the Fair Credit Reporting Act ( FCRA ). 

The following addresses appearing on my credit report are incorrect : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX My actual and current address is : [ Your Correct Address, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ] Maintaining incorrect address information on my credit report can lead to confusion, misattributed accounts, and potential violations of my rights under FCRA 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. 

I request the following actions : Immediate Investigation : Review the incorrect address information and confirm that these addresses do not belong to me. 

Correction or Removal : Remove all inaccurate addresses from my credit report. 
Written Confirmation : Provide me with written confirmation of the changes made and an updated copy of my credit report reflecting the accurate information. 

Please complete your investigation and respond within the 30 days required by the FCRA. Ensuring the accuracy of my credit report is essential, and I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Student loan

I am currently experiencing hardship and stated to Navient that I am being affected by COVID. I have been deferred for 12 months due to COVID. They are refusing to defer me although I am not working and have no income. I have spoken with a representative on XX/XX/16, and he did not explain the repayment options and he did send me a forbearance for a federal loan, although I made clear that I was calling about my private loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my report that are outdated. Additionally, there are accounts that are in collections illegally showing a balance. I requested for these accounts to be investigated and deleted yet they have failed to do anything.
Product: Debt collection

This is from a previous complaint against a debt collection agency. I used to be a member of XXXX XXXX XXXXXXXX. I have asked them to cancel my membership and they told me they did. Later I was getting calls from ABC Solutions saying that I owe membership dues, or that I owe them XXXX dollars. That was months after I discontinued my membership with the gym. Then they said to cancel you had to do it in writing, and unless it's done in writing it's not canceled. But I did call and they told me it was canceled. Also I was not in a good health at the time when I called and canceled, but I did speak to someone who said it's all done. 

I have also provided evidence where I emailed them several times about this. 

Now their collection agency " XXXX XXXX '' is what they call themselves, keeps calling without leaving a message. And twice hung up on me when I was trying to find out from them what is going on. Their representative claims that they sent me a notice in the mail about their decision, and I didn't receive anything. They didn't include the apartment number in the address. Then their representative threatened that they will take a legal actions against me, and that I better pay the XXXX dollars to avoid further legal action. 


I will actually take a legal action against this collection agency if they continue their harassment. I have contacted XXXX XXXX  XXXX several times, through email, to resolve the issue. I have a proof of that, which I provided in the last complaint I filed with the consumer protection agency. If this doesn't stop here I will get a legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint again despite of the multiple previous written requests, the unverified items listed here still remain on my credit report in violation of Federal Law. They failed to comply with Credit Reporting Act, Section 605b 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. The following items should be removed immediately from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my report is incorrect for the my report. 
I was given information from all 3 credit bureau stating that you do not report bankruptcy to credit bereaus. These agencies are XXXX, XXXX and XXXX. I was told that you dont report to reporting agencies. I am unsure if you are the company that is reporting on my credit report. I need this deleted immediately for being reported on my credit report. Can you please reach out to me via email or by letter on this matter. 



XXXX XXXX XXXX -delete immediately Reference # XXXX XXXX information for address on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX  Account Number : XXXX On the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I was marked as being late on my credit report even though I called and made arrangements and accommodations was made. My account is now current and was current prior to XX/XX/XXXX. According to the CARES ACT " If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the XXXX national emergency ends '' I have contacted the credit bureau as well as the creditor and nothing has been done which is against the law and my rights given to me by the CARES ACT. 

Equifax is currently violating my rights given to me according to the CARES ACT by showing late payments for the above dates.
Product: Credit reporting or other personal consumer reports

My account with this company 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 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.

This company 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
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with charge off, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested. This account is on my credit report for more than 7 years and 3 month. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER XXXX IS APPEARING ON MY EXPERIAN, XXXX   AND XXXX CREDIT REPORTS. 
XXXX XXXX XXXX IN RESPOMNDING TO THE CFPB ON XX/XX/2019, SAYS '' THE ACCOUNT IS NOT THEIRS '' AND IN THIS CASE SHOULD NOT BE REPORTING ON ALL OF MY CREDIT FILES.I HAVE ATTACHED XXXX XXXX XXXX XXXX RESPONSE TO THE CFPB IN COMPLAINT NUMBER XXXX. 
IN ADDITION, EXPERIAN 'S UPLOAD SYSTEM DOES NOT FUNCTION..AND EXPERIAN REFUSES TO RE-INVESTIGATE CALLING THE DISPUTE '' FRIVOLOUS ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sharing credit information with companies/ and or 3rd parties creditors
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Incurate Names XXXX XXXX XXXX XXXX Inaccurate Address XXXX XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Closed XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX {$160.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX {$100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$310.00} Date Opened XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$8300.00} Date Opened XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX {$600.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX {$3600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$83.00} Date XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

XX/XX/2023 someone opened an online personal loan with XXXX XXXX using my information without my consent or authorization. I am a victim of identity theft. I never applied, opened or received any funds from XXXX XXXX. The ID thief paid on the loan for a few months then it went into debt collections. I discovered the fraudulent activity when the debt collection account showed up on my credit report. I filed a police report, an FTC ID theft report and obtained an affidavit of forgery. I am now being harassed by the debit collections company. I have filed disputes and requested an investigation with XXXX XXXX, Security Credit Services and now XXXX XXXX XXXX. Today I received an email from XXXX XXXX XXXX advising that XXXX XXXX and their client Security Credit Services deemed the debt as valid to me because someone paid on loan. The companies did not investigate as I requested because I can prove that I did not make any payments to XXXX XXXX My personal information is part of the XXXX data breech. In writing I have requested any and all information pertaining to this fraudulent loan be sent to me. None of the companies involved have sent me any information as requested. I am not going to be held liable for a loan that was opened fraudulent in my name.
Product: Mortgage

Hi, My name is XXXX XXXX. My mortgage company is Mr. Cooper. The account number is XXXX. The issue I am having is that they are fraudulently applying a principle only payment to the next months bill that is not even due yet. Specifically, I made the monthly payment for XXXX and a week later I made an extra payment that I selected to be applied to the principle. Mr. Cooper has fraudulently applied this to XXXX 's bill. This is fraudulent because my bill is not outstanding, I have not selected it to be applied to next months bill, and more importantly it skips ahead and does not include the principle payments I will make later in the month which lowers my principle and allows them to charge a higher interest. This is the second time this has occurred. Please see the attached photo of my statement. The bottom circle shows my XXXX mortgage payment on XX/XX/2021. The top circle shows my additional payment of {$3000.00}. However, it is another monthly mortgage payment ( for the following month ) of {$2200.00} plus additional {$780.00} to principle. This should have entirely gone to principle and not to the following months bill.