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

This account was a Charge off account, and it was opened in 2013 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I must get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. This keeps showing in my report it's supposed to drop off after 7 years. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps allowing a debt collection agency called XXXX  to keep posting an inaccurate debt that's been removed several times
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 



XXXX XXXX Account XXXX : XXXX
Product: Student loan

Since XX/XX/XXXX I 've been autopaying {$63.00} on the XXXX-XXXX of every month to XXXX/navient. In XX/XX/XXXX the auto-pay abruptly stopped. When I contacted Navient about it they told me I had NEVER auto payed before and since I was late I needed to pay XX/XX/XXXX payment AND XXXX payment. They took {$120.00} from my bank account. The {$120.00} does n't equal the XXXX I was paying but that 's anther issue. They said the payment was for XX/XX/XXXX and XX/XX/XXXX. Then come XX/XX/XXXX I get charged again {$63.00} on XX/XX/XXXX. I have all the bank statements and my account payment history on the navient site.
Product: Debt collection

To whom it may concern, I was sent a packaged back in XXXX from an associate/lawyer from DNF Associates LLC back in XXXX. I sent them a letter letting them know that I responded to the credit bureau about DNF AssociateXXXX truing to collect {$14000.00} in fees from an account that was sold to them from XXXX  XXXX. They want me to settle in court in the city that I live in. I am in XXXX, CA truing to help my daughter with her second set of XXXX, plus her husband is having rXXXX XXXX XXXX XXXX XXXX. My ex-husband called me to let me know I was summoned to appeal in court to settle the debt. The handwritten envelope, he sent me some of the package document. I can not affords to pau and old debt that was sold to them. They are the fourth company that are trying to get the remaining {$14000.00} plus court fees from a debt that on my credit report was reported as a settle with ... I contacted the credit bureau, not once but three times about LLCs companies trying to extort the remaining balance of a loan I had and they bought for way less or bargained for. I am not in any position to be paying off an old debt that they bought and trying to settled for what the original loan was for. It was deceptive of them to try and collect money in a crisis time that we are living in. I am a divorced mom and my son and I are making it from pau check to pau check. I am trying to get my credit score builds back up. 

As of today, I am at a XXXX and hope to build it to a XXXX by the end of XXXX. Why now? Why are they asking me to appear in a Superior Court in the city that I live in. I am an instructional aide and I can not just take off to work out or make a deal from a old loan that was passed down from four different collection agencies. The last LLC, I had to assist the help of the CFPB because XXXX and XXXX were swindling me and I could not take it. I was threaten with my credit score being affected and wages being garnished. But, this time the DNF Associates is not including the amount I owe, but they want me to appear in court to negotiate a settlement. What can I pay them? I get paid once a month and it is my son and I. I am trying to do the best I can to survive and I do not need any other headaches and stressors that are going to make my XXXX and XXXX XXXX flare up. Again, why are DNF Associates coming after me now? These 15-28 pages of trying to retrieve a debt that was sold four times and it did not cost them {$14000.00} or {$16000.00} to purchase the debt. I need to help on where I stand and why are they coming after me during the Corona Virus Pandemic XXXX? I am broke! I am a XXXX XXXX, not a XXXX  or a XXXX XXXX. My monthly paycheck is at the end of the month. After my monthly expenditures and my sons contribution, my check is gone. I ride the public bus from point A to point B. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 90 days past due is incorrect because the balance due on this account is {$0.00}. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account, which has violated my rights. 

I looked at my TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

My account with Equifax 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 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.

Equifax 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 have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there. 


XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Case Number : XXXX Court : Federal XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Case Number : XXXX Court : Federal XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Case Number : XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Case Number XXXX XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Case Number : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Case Number : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received notification that my loan was being transferred via a letter dated XXXX. The transfer is effective XXXX/XXXX/2015. Also, the loan company continuously pointed the blame to XXXX XXXX. How is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im exercising my consumer rights. This company is fraudulently reporting a fraud account that someone did online on to my credit report. This is an unauthorized account made online please remove this account immediately. 

Affirm -Fraudulent account
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint regarding a violation of my credit reporting rights, which has resulted in inaccurate and misleading information being displayed on my consumer report. This issue pertains to the reporting of transactions on my credit report, specifically regarding the display of balances and payments. I believe this practice is in direct violation of relevant statutes, including 15 U.S.C codes and 16 CFR regulations.

According to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), creditors have a legal obligation to provide accurate information to consumer reporting agencies. Furthermore, 15 U.S.C 1681b ( f ) specifies the permissible purposes for obtaining consumer reports, and any information provided must be accurate and verifiable.

Displaying the balance and payments on a consumer report constitutes reporting transactions, which falls under the purview of the Fair Credit Reporting Act ( FCRA ). As such, it must adhere to the guidelines outlined in relevant statutes and regulations. 16 CFR 660.4 states that when reporting an account to a consumer reporting agency, it must be reported accurately and reflect the consumer 's payment behavior. Specifically, it should be reported as " Paid as agreed '' when payments are made on time.

Failure to report transactions accurately not only misrepresents my financial behavior but also violates my rights under the Privacy Act of 1974, which safeguards the confidentiality and accuracy of personal information held by federal agencies. By failing to report the status of my accounts as " Paid as agreed, '' the creditor is providing inaccurate information, which can have detrimental effects on my creditworthiness and financial standing. 

Therefore, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my consumer report. I also urge the bureau to ensure that creditors adhere to the provisions outlined in the FCRA and other relevant statutes to prevent similar violations in the future. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

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

These are fraudulent inquires on my report please remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get the credit bureaus to do a proper investigation. Please help resolve these accounts and get them deleted.
Product: Credit reporting or other personal consumer reports

I have come to realize that I have been unknowingly complicit in a fraud. My personal information is being reported without a contract or my consent, this is prohibited. 
CRM 1500-1999 1512. Prohibited Acts -- 18 U.S.C. 1028 Although there are six subsections in section 1028 ( a ), they can be viewed as chiefly covering 10 different prohibited acts : Producing without lawful authority an identification document or a false identification document ( 18 U.S.C. 1028 ( a ) ( 1 ) ) ; Transferring an identification document or a false identification document knowing that such document was stolen or produced without lawful authority ( 18 U.S.C. 1028 ( a ) ( 2 ) ) ; Possessing with intent to use unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ) or false identification documents ( 18 U.S.C. 1028 ( a ) ( 3 ) ) ; Possessing with intent to transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ) or false identification documents ( 18 U.S.C. 1028 ( a ) ( 3 ) ) ; Possessing an identification document ( other than one issued lawfully for the use of the possessor ) or a false identification document with the intent such document be used to defraud the United States ( 18 U.S.C. 1028 ( a ) ( 4 ) ) ; Possessing an identification document that is an identification document of the United States which is stolen, knowing that such document was stolen ( 18 U.S.C. 1028 ( a ) ( 6 ) ) ; Possessing an identification document that appears to be an identification document of the United States, which was produced without authority knowing that such document was produced without authority ( 18 U.S.C. 1028 ( a ) ( 6 ) ) ; Producing, transferring, or possessing a document-making implement with the intent that such document-making implement be used in the production of a false identification document ( 18 U.S.C. 1028 ( a ) ( 5 ) ) ; Producing, transferring, or possessing a document-making implement with the intent that such document-making implement be used in the production of another document-making implement which will be used in the production of a false identification document ( 18 U.S.C. 1028 ( a ) ( 5 ) ) ; andAttempting to do any of the above ( 18 U.S.C. 1028 ( a ) ).

[ cited inXXXXXXXX  ] Also, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) .. My Data has been exposed in a data breach.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ive reached out to this company multiple times about updating the information on my credit report, company never sent any information regarding my issue, this debt is well over 7 years. I had this loan for over 2 years never made a late payment the vehicle was stole and crashed the insurance company paid blue book value of the car, there was a couple thousand the insurance company didnt pay an they put it on my credit report, there was a warranty in place that was suppose to pay out the money left over but never got any information from XXXX. North Carolina state law is a written off debt has to be removed after 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters regarding inaccurate, outdated and unknown accounts in my credit report. It has been more than 30 days, but I did not receive any updates or results regarding the bureaus investigation.
Product: Mortgage

My mortgage was transferred from XXXX XXXX to PNC Bank effective XX/XX/XXXX. I received multiple letters about this. One letter said that the automatic payments I had set up with XXXX would transfer to PNC. On XX/XX/XXXX I called PNC because I was concerned my payment had not come out of my account yet. The person I spoke with told me that the auto withdrawal info had not transferred and that letter was an error but not to worry I would not be charged a late fee I could make a payment online for XXXX which I did. A payment of {$2100.00} came out of my checking account on XX/XX/XXXX. This was from the automatic payment I had with XXXX that I was told would NOT occur. On XX/XX/XXXX a second payment came out of my account for {$1800.00}. This was the payment I set up because I was told the other debit would not happen. I spoke with them today ( XX/XX/XXXX ) and had them cancel the auto payments that I had set up with XXXX. They said nothing would debit from my account in XXXX because I had ( without my consent ) made two payments in XXXX. Is this legal? An expected {$2100.00} out of my account is more than problematic for me and I'm sure any other people it happened to.
Product: Credit reporting, credit repair services, or other personal consumer reports

There a re   XXXX   compan ies reporting a delinquent account that originated with a 60 month loan with  XXXX  that was secured by a vehicle. T he Loan was  originated on   XX/XX/XXXX   for the loan amount of {$18000.00} at 22.99 % APR with the first payment due on   XX/XX/XXXX  . I paid this loan as agreed until Approximately   XX/XX/XXXX  when the loan was transferred to   XXXX   XXXX   for servicing. I was notified by    XXXX   XXXX  that my balance was still {$13000.00} after I had been paying my payments since   XX/XX/XXXX    ( 5  years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on   XX/XX/XXXX  which I refused via fax on  XX/XX/XXXX  and asked them to come and pic k up the car that the loan was secured on.      XXXX   XXXX  then transferred the Loan to  XXXX   XXXX  who also tried to collect before selling the account to LVNV funding. I currently have a delinquent closed account being reported on all  XXXX  of my credit bureau reports by  XXXX   XXXX   XXXX  for the loan which was originated with  XXXX  as well as a delinquent Open Collection Account on all  XXXX  of my credit bureau reports  by LVNV Funding  in the amount of {$13000.00} which again was originated with  XXXX . My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the   XXXX   XXXX   Welcome Lett er ) ; comple tely different than the Original Note ( Shown on the  XXXX   Loan Origination Note ) Th e   XXXX   XXXX    Welcome letter does however reflect the correct  XXXX  Loan/Account number and corresponding  XXXX   XXXX  account number, which is then referenced by  XXXX   XXXX  an d LVNV  Funding. I will also include a letter from  XXXX  stating that they no longer have any of the documents of my real estate loan that was originated with t hem ( it was actu ally a 60 month vehicle loan that originated on   XX/XX/XXXX  ) s  o t hey will delete the account from my  XXXX  agency credit reports.     I would like to have any delinquent accounts associated with the Loan that was Originated with  XXXX  be deleted from all  XXXX  of my credit bureau reports PERMANENTLY Deleted.
Product: Credit reporting or other personal consumer reports

I contact experience initially because my credit report had a number of different names and addresses. I was told by an experience customer service representative that it looks like fraud that I should freeze my XXXX XXXX and a number of other agencies. I was told this by in experience, Customer Service representative I did this in XXXX. I also sent a certified letter to experience asking them to remove the incorrect names and addresses. I sent a copy of my ID a utility bill from my residence and my Social Security card. At this time, I also noticed a number of accounts that was not mine and reporting incorrect informati XXXX of the accounts was a chapter XXXX bankruptcy. I asked experience to verify this information. they told me it was verified through XXXX This was in XXXX and again in XXXX. I contact XXXX and they told me they havent sent anything to experience since XXXX. I asked them can they send me what they sent experience they sent me information from XXXX. I contact experience and ask them. How did you verify this information? They told me from their public record vendors XXXX again XXXX told me they sent them nothing. The information is not being verified. XXXX  experience, can you send me what XXXX said you and they told me no they dont send us anything. They just tell us that is verified so how is it really being verified? And if the information is not being verified correctly.can you please remove it from my credit report.
Product: Credit card

I used autopay and only look at my balance to pay my card off and never noticed the fees until XXXX of XXXX. In XXXX XXXX XXXX I noticed that I was being charged a monthly fee on my Best Buy Citibank Credit card for Enhanced Debt Protection for a balance that I had for purchases made in XXXX. I never signed an acknowledgment of membership for any Enhanced Debt Protection services and never have needed any product like that. I called Best Buy Citibank Credit to inquire about the charges, cancel the membership and request a refund of the charges that I had accrued. I escalated the claim as far as I could with Best Buy and I was told that I enrolled in the program in XXXX XXXX XXXX  and any charges were valid. 

I have since found out that Citibank was found to have violated the law fro their practices in regard to enhanced debt protection products and that anyone that signed up after XX/XX/XXXX should receive a refund. However, since I did not have a balance until around XXXX I did not receive a refund. I never signed an Acknowledgment of Membership for this product and should not have been charged what I have been charged ( in excesss of {$2000.00} that I know about ). I demand a refund. 

Please help me resolve this matter. 

Respectfully, XXXX XXXX XXXX XXXX