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

Upon reviewing my consumer reports, I discovered instances of late payments reported on my account with XXXX XXXX XXXX, Account Number XXXX, which I believe are inaccurate. Consumer Reporting Agencies are required by the Fair Credit Reporting Act ( FCRA ) to maintain accurate and reliable credit information. It is imperative that my credit report reflects correct data, as I have always prioritized timely payments. 

The reported 30-day late payment for XX/XX/scrub>XXXX XXXX  is inaccurate. This account has been consistently paid on time, with no valid basis for the reported late payment. The payment for this period was made on XX/XX/year>, well within the expected timeframe. 

I request a thorough investigation into this discrepancy and urge you to provide supporting documentation, such as account statements or payment records, to validate the lateness of the payment. If unable to furnish such proof, I demand that the inaccurate late payment entry be removed from my credit file.
Product: Credit reporting

I have previously disputed this credit card account from XXXX XXXX XXXX with both Equifax and XXXX XXXX XXXX. I have disputed the account several times and each time receive a different response from Equifax. The updates/responses I have received are- no payment information provided on my report or incorrect payment information reported on my account. I have also written to XXXX XXXX XXXX asking them to provide me with the payment history on the account and to verify the accuracy. I continue to get the same form letter from them which is attached as a file below. 
This account was charged off XX/XX/2009, it has been charged off for more than seven years and should be deleted from my Equifax credit report. I have experienced re-aging on this account multiple times. And seen from the screenshot below there is no payment information attached to the account right now just a last payment date which is not accurate. Additionally this account was showing as removed and then re added the screenshot is attached. 
Please delete the XXXX XXXX XXXX credit card account from my Equifax report.
Product: Credit reporting or other personal consumer reports

iam a victim of identity theft and i ve never used my credit i found these fraudulent accounts on my credit report and i dont even know how they reported with me knowing or receiving anything this is illegal as of 15U.S. Code 1692g validation of debts and 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. 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, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all these inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a XXXX  account I disputed several accounts that it says I owe I asked for original contracts that I signed for the debt, They were then removed from XXXX report and XXXX report but they were never updated on XXXX. I noticed a few have been added back to the XXXX report with different dates and on the XXXX report they have all been added back with this years date on them. the finding says my address was verified. I never received what the documents to show I owe these companies this money.
Product: Mortgage

Due to XXXX, we were unable to make our payment. We called our Mortgage Company, Fifth Third Bank, and they notified us that we could utilize Federal Covid Hardship Assistance where the payments would simply be but on the rear-end of the loan at the end of the Hardship Assistance Program . I was relieved, however, we did extend the program as my Husband still wasn't employed. When we were ready to start making payments again, Fifth Third Bank had made it impossible for us to get off this program and had told us multiple reasons ... -we had to re-qualify for the loan -we had to submit an application and Bank Statements along with numerous other documents I submitted Everything they asked for, and Every time I called, I got a different answer from someone. After months of back and forth, they said they hadn't received anything through their XXXX XXXX XXXX? I finally contacted an Attorney through Colorado XXXX XXXX who informed me he couldn't help me until the loan actually went into Foreclosure? I have been terrified of loosing my home! 
I could not get Fifth Third Bank to call me back or help me *until the Emergency Hardship Assistance Ended! 
Now they call me daily? 
All the information I have seen about this Program said that NO FURTHER INFORMATION WAS NEEDED TO END IT! 
It says : " There will be no additional fees, penalties, or additional interest ( beyond scheduled amounts ) added to your account, and you do not need to submit additional documentation to qualify. You can simply tell your servicer that you have a Pandemic-related financial hardship. '' YET, NOW, THERE IS NO WAY I WILL FINANCIALLY QUALIFY FOR MY LOAN! I have been very ill for the last 3 years, yet they do not want medical information? They have also racked up late fees, etc. My loan originated at {$200000.00}. It is now OVER {$250000.00} because of this program that was supposed to help me. They said my home is now in foreclosure. Something is just NOT RIGHT!!! I realize this hardship assistance program has ended, however, I have been trying to get off it since XX/XX/2021! Please help!!! 
I am XXXX and also need help doing what they are asking. I have been having a very difficult time with understanding, compression, using my cell phone, with memory. This is all documented in my medical records. 
My Attorney was XXXX with Colorado Legal Services, who was no help at all!
Product: Money transfer, virtual currency, or money service

I want to file a formal complaint against Wells Fargo Bank. My issue is about their XXXX transaction. Wells Fargo is not taking any accountability on this issue. The same problem started back in XX/XX/XXXX, and it lingered until XX/XX/XXXX, and it finally got resolved. 

On Wednesday, XX/XX/XXXX, I tried to send money to a friend of mine in the amount of {$85.00} using XXXX. When I hit submit, it prompted me to validate my information. 

The same problem happened back in XX/XX/XXXX. I have already validated my information. I have had the same phone number and devise for over five years now, and nothing has changed. 
I called Wells Fargo, and nobody is taking accountability on this issue. As far as they are concerned, once the ticket is open, I will have to wait for ten days to get it resolved. Most likely, no one at the bank will call or follow up with me, and I did all the follow-ups. So, the ten days to solve their technical glitch is not valid. 
I am the one who does all the follow-ups. Otherwise, the bank will not let me know if they solve this issue or not. The bank must take the accountability and make sure the XXXX programming issue on the backend is working to avoid the same issue repeatedly. 

This is my XXXX XXXX # : XXXX. This was opened on XX/XX/XXXX. 

I appreciate you looking into this matter. 
Please advise. 

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

Dear Sir/Madam, I am writing regarding the above-referenced account. XXXX XXXX XXXX Account number XXXX Please note that I am not disputing this account. However, I kindly request that you provide the following information for my records : The Date of First Delinquency for this account. 
The Date of Last Payment made on this account. 
The Date of Charge-Off for this account.

I would appreciate it if you could provide this information in writing. If additional documentation or authorization is required to process my request, please let me know at your earliest convenience.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union XXXX and XXXX refused to send me proof of how they investigated or verified my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

One on my credit report is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 


XX/XX/XXXX {$600.00} The date is incorrect, its been more than 6 years & in the state of Arizona that is past the statute. The next one is with XXXX XXXX and I'm pretty sure its the same charge from XXXX XXXX  from XXXX or before that year? It shouldn't be on any of my credit reports. 

XXXX XXXX XX/XX/XXXX {$880.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Capital One Attn : Credit Reporting Department Dear Capital One Credit Reporting Department, I am writing to formally dispute the late payments reported on my credit report associated with my Capital One credit card account ( Account Number : Platinum Mastercard card ending in XXXX ). I respectfully request that the late payments be removed, as I believe they were reported in violation of federal law, specifically 15 USC 1666b.

Under 15 USC 1666b, a creditor is prohibited from treating a payment on an open-end consumer credit account as late unless certain conditions are met. Specifically, the law requires that the creditor must mail the necessary information outlined in 15 USC 1637b to the consumer no later than 21 days before the payment due date.

If Capital One did not comply with this requirement by failing to send the required information within the 21-day period, then the late payments on my account are being reported in error, and I am entitled to request their removal under the provisions of the law.

Therefore, I respectfully request that Capital One review my account history and remove any and all late payment notations from my credit report related to this account. I ask that this request be completed in accordance with the requirements of the Fair Credit Reporting Act and other applicable federal laws.

Please provide me with written confirmation of the removal of these late payments once your investigation has been completed. If additional documentation is required from my side to assist in your investigation, kindly notify me as soon as possible. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending a complaint in accordance with the Fair Credit Reporting Act 's guidelines to ask that the accounts, which I believe to be erroneous and incomplete, be looked into right away and REMOVED on my credit report. I think Transunion has not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I am not legally responsible to pay the credit card bill or any debts that build up as an authorized user. This information seems to be confusing. I need this to be removed immediately! 

XXXX XXXX XXXX
Product: Credit reporting 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 XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX **************** {$1500.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX **************** {$240.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX 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, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent out a letter to Experian and disputing a Bankruptcy that they are reporting on my credit report. I have then sent out another letter stating to send me there method of verification. They then sent me a letter indicating that they have verified that the bankruptcy was accurate and verified though the company that reported information on my credit report. Which is FALSE I have contacted the courts and they do not report to the credit beaus. Under the FDCPA section 807 this is misleading false reporting I demand that this account be deleted immediately or I will file litigation due to the stress they have cause me.
Product: Mortgage

My mortgage used to be XXXX before it was sold to Carrington by XXXX XXXX XXXX. My mortgage went up to {$1200.00} claiming low escrow fund.. 6 months later, went up to {$1200.00} no explanation, I found that my insurance increased, so that was understandable. I am current, I went to pay my {$1200.00} XXXX XXXX payment, as per my statement.. Went online and says Mortgage due is {$1600.00}. A {$400.00} increase with no explanation.
Product: Credit card

Citi Bank has embezzled my application I delivered to them and refuse to return my property. I've already demanded for my application back as I am aware my application is commercial equity. They say they've denied me an extension of my own credit during a consumer credit transaction they try and steal my application and lie to me and discriminate. The president is guilty because he's/she 's covering for his employees so they don't get sued and trying to lie about the law.
Product: Credit card or prepaid card

I have never been 30 days late ever and chase reported me last month. I am in the middle of a refinance to get my ex wives name off the house and them reporting is really hurting my score. I screwed up and sent the check but forgot the stamp and when i came back from working in another state it was late. If i dont get this removed i am going to have to sell this house and move.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I sent certified letters to XXXX, XXXX XXXX and Experian asking to remove or block fraudulent and incorrect information from my credit report in accordance to ( FCRA ) 605 section B. Each Agency replied that they would not block said accounts because they were investigated and verified. The only way to verify said accounts is to do a through investigation requesting the original contract with my signature and corresponding signature from the creditor. There were no means of how the investigation was done nor any proof sent to me of the investigation as to how the information was verified. My rights are continued to be violated. I have sent a FTC and police report yet they are still not complying with the laws here under FTC 605 b.
Product: Checking or savings account

I was alerted to a fraudulent charge made with my Citibank ATM card on Sunday,XX/XX/2018. The charges had been made on XX/XX/2018. I spoke to someone in the Citibank Fraud Unit. My card was cancelled, and a new one was issued. I received the new card on Tuesday. The representative from Citibank gave me a case number. We discussed all charges made over the weekend and I informed her of the charges I had not made. Today is Wednesday and the bank has still not credited me with the disputed amounts. I have had other payments returned by the bank for insufficient funds, and have been charged, by the bank, with fees for returned checks. I have called at least 6 times and I get the same patronizing response.. that they can not provisionally credit me while the " pending charges '' from the merchant have not been finalized in some way. In the meantime, my money, {$200.00} and {$400.00}, to XXXX XXXX XXXX in Tennessee ( I live in New York ) and XXXX to XXXX has been deducted from my checking account and unavailable to me, until Citibank deems it appropriate to credit me. I believe that this is a policy that puts the ( possibly complicit ) merchant in greater control of my money than myself. While the merchants determine what they will do, my money is gone. How is it that a bank as large as Citibank can ignore the trust that, I, as a client for 24 years, have put in their bank, to protect whatever money I deposit with them. I bear no responsibility in this situation, my card was not lost or stolen, it was " hacked '' somehow. The bank noticed the fraudulent behavior ( much to their credit ) yet still refuse to reimburse me immediately for these charges. I am not a wealthy person and I can not afford to be minus {$800.00} for all this time. This has created a hardship situation for me as I have many bills to pay. I am filing this complaint because I truly believe this is an extremely unfair practice and in violation of my rights as a consumer and long term client of Citibank.
Product: Checking or savings account

Someone has used my ssn has all my information i have even changed it then people starting using my parents ssn to apply for things i cant even open my own bank account because someone has been using my information so much i have over XXXX hard inquiries that i have no freakin clue whk these companies even are i dont know how my family information got leaked or exposed i need a new ssn because im not able to do anything with the number i have there is a XXXX  XXXX account linked to my ssn i never had XXXX  XXXX this is crazy my parents think its my fault our information got leaked but its not they have also made reports there names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX name is XXXX XXXX XXXX and i need someone to help us fix this i also recieved in the mail i threw away but because i thought it was a joke but now thinking back at it i should of taken it more seriously i recieved a lettter that read about how i my family credit would go to XXXX and how i would be the one fault it was and how my ip addresse would be exposed copies or something i thought it was a joke but now its not funny because the letter didnt explain why but the point is i recieved such a letter and now my parents ssn is being used i have made several attempts to freeze my credit its still beimg used to apply for things this is idenity theft why do people do these wrongful things i need a new ssn number please
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax XX/XX/2021 to update personal information and have adverse information removed from my consumer report. The agent refused to delete my date of birth as I requested pursuant to FCRA USC 15 1681 and violated my consumer 's right to privacy. A total of three agents also refused to remove adverse information and reports that I never provided written instructions for Equifax to furnish to their consumer reports pursuant to USC 15 1681b.
Product: Debt collection

I called Midland Funding LLC at least five times last month attempting to get a settlement figure on a debt from 2014. 
Their response each time was that they hadnt finished calculating the total debt which I interpreted to mean they wanted a blank check to attempt to get as much as they for a debt they likely paid pennies on the dollar for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies will not allow ( except XXXX ) me to freeze my account without paying a fee. I 've never consented to them using my information, and I do n't have the ability to opt out of their data collection. The least they could do is not charge me to attempt to prevent fraud and/or identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

RMP Services LLC. is a 3rd party collection agency for medical bills or shall I say physician bills that are unpaid due to either a lapse of insurance or no insurance. I am a XXXX XXXX and was shown to have been covered by my provider which they had already confirmed they had the information for. This predatory form of balance billing has been detrimental to my not only my credit score but it has damaged my credit profile and has altered my life in a very negative way. This defamation of character promotes the idea to lenders that I am a irresponsible borrower and not worthy for accounts or services that I've applied for. 

This clearly being some sort of error I spoke with both companies on recorded conversations. I provided both XXXX ans RMP Services with all the necessary information to conduct a thorough investigation to the facts. In my dispute neither of the companies conducted any type of investigation and they simply just updated my credit file as verified and accurate. 

I was even able to get both representatives of the company on the phone with each other in a conference call and they continue to be reluctant to remove it from my report. 
It feel like they are being very discriminative in their approach to remove it from my report and are attempting to punish me for speaking up and pointing out there error and violations of federal law by reporting inaccurate information on purpose out of spite. 

I've asked very kindly for them to correct this information immediately and they still after XXXX XXXX today admitted that they made a mistake and this was duplicate billing and that it was their mistake. I was still advised it could take another 2 months before it can be corrected. 

I spoke with XXXX in the company of also XXXX XXXX on XX/XX/2022 who were said to be supervisors as they confessed and confirmed the mistake on their behalf. I was advised that the conversation was monitored and recorded for the purposes of still collecting a debt that I did not owe. 

Please assist me with this account and prevent this company and XXXX from further damaging my credit and preventing me access to fair credit reporting information. 

Thanks