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

I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made.I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the items, And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including a small claims court in my area. This is my warning. I demand you to delete these items at once.
Product: Credit reporting or other personal consumer reports

I was trying to get a car and I realized I had damages on my credit report according to the 15 USC 1681 Law there shouldnt be any damages on my reports for its an defamation to my character.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX  XXXX Balance Owed : {$290.00}
Product: Credit reporting or other personal consumer reports

I put in a dispute, and it came back verify when I sent proof and evidence that information was inaccurately furnished on my consumer report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Investigation and Correction of Disputed Account - XXXX  XXXX XXXX Dear CFPB, I am writing to formally dispute inaccurate late payment information reported on my credit report for the account XXXX  XXXX XXXX, with the following details : Account Number : XXXX High Balance : {$14000.00} Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX XXXX Balance Owed : {$9000.00} ( TransUnion and XXXX ), {$9100.00} ( XXXX XXXX Account Type : Unsecured Loan Account Status : Open Payment Status : Current Discrepancies and Errors : Late Payments Reported in Error : TransUnion : Late payments reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These late payments are inaccurate as all payments for the account were made on time, as confirmed by my records. 
Inconsistent Reporting : XXXX and XXXX report the last verified date as missing, while TransUnion accurately lists it as XX/XX/XXXX. 
The reported balances for the account differ between XXXX ( {$9000.00} ) and XXXX ( {$9100.00} ).

Legal References : Under the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) : Credit reporting agencies must conduct a reinvestigation of disputed information to determine its accuracy.

15 USC 1681e ( b ) : CRAs must ensure maximum accuracy in the preparation of consumer reports.

15 USC 1666 ( b ) : Mandates timely and accurate billing practices.

The discrepancies in my report are a violation of the above statutes, as the late payments are unsupported by evidence and the reporting is inconsistent.

Request for Action : Correct the payment history for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to reflect an " OK '' status across all bureaus. 
Provide a detailed description of the investigation process per 15 USC 1681i ( a ) ( 7 ), including the method and evidence used to verify the reported late payments.

If unable to verify the accuracy of the late payments, update the account status to Paid As Agreed Never Late and provide written confirmation of the correction.

Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute and provide a written response. If no action is taken or the information remains inaccurate, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) for further review. 
I appreciate your immediate attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates. I believe I made required payments, and there must be way too much substantial amount of unnecessary fees. 

Again, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute by mail to Experian on XX/XX/2020 regarding alleged collection account creditors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX Experian has not properly investigated this creditor as they claim it has been verified. Pursuant FCRA 623 I'm demanding this account be properly reinvestigated and removed from my credit report and file.
Product: Mortgage

Effective XX/XX/2019 my loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX. When I received no documentation from XXXX XXXX XXXX I was provided their information via XXXX XXXX XXXX. 

I called to inquire how to make my first payment and I was directed to the website where I registered and successfully made my payment on XX/XX/19. I attempted to make my payment today XX/XX/19 and their website reflects my account as past due.

They have the payment due as XX/XX/19 and as such flagged it as past due. Because of the account disposition I am unable to do an auto draft and when I try to make the payment online they are trying to charge me a {$10.00} payment fee. I called customer service, which was closed. The automated system allowed the option to pay for a {$12.00} fee. 

My account is not past due as they have reflected as of today 's date ( XX/XX/19 )  under the terms of my mortgage " If your payment is more than 15 days late, your lender will charge a late fee of 5 % of the overdue monthly principal and interest payment. '' I have yet to receive any documents, statements, nothing from this lender. I believe it is a deceptive practice to lock an account as past due in order to charge a processing fee. Florida statute is clear about the " late fee '', but this lender is intentionally bypassing that by prematurely locking down the account as past due in order to charge a " processing fee '' - this is deceptive and fraudulent.
Product: Credit reporting or other personal consumer reports

The company Creditors Bureau Associates posted a debt collection to my credit report the amount is {$600.00}. Ive never done business with this company and this dad does not belong to me. 

this company responded to my previous complaint with a medical bill and medical bills have been banned from XXXX according to the XXXX as of XXXX XXXX XXXX I asked this be removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

account refers to XXXX XXXX XXXX. also known as XXXX  XXXX  XXXX. i have never denied account is mine, my dispute is this company keeps reporting inaccurate information in order to hurt my credit. i have asked by certify mail for the credit bureau equifax to validate account and amounts and collection date. there response is the acount is certified and is accurate, after filing a complaint with CFPB XXXX  XXXX finial sent documentation showing the collect amount. which is not the same as what is being reporting but the still refuse to send collection date this being the lease, that would show that the correct date of collect isXX/XX/2011, the collection amount is {$1900.00}, there fore they are reporting inaccurate information and must be deleted under fcra, 1681i, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. 
Therefore Equifax has had plenty of time to investigate and keeps reporting wrongfull information in fact every time they investigate the balance seems to go up. 

depending on action taken, if i will file civil suite in court
Product: Credit reporting or other personal consumer reports

XXXXm positive I pay on time, but I dont understand why Im being reported late for specific months. According to USC 1666b, billing errors should be corrected and reflect that I paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and found an inaccurate reporting of a company being published on my credit report. I reached out to to the major three credit Bureaus and ask that this account be verified with the original contract for the account in question. The account still hasn't been verified and is still being published on my credit report.
Product: Credit card or prepaid card

On XXXX XXXX, I placed a payment of {$100.00} on my account with XXXX, which was over the minimum amount due on an account with the balance of {$3200.00}. On XXXX XXXX, I posted a second payment for the rest of the balance due of {$3100.00} that was the balance on the account on that date. On XXXX XXXX, after there was {$0.00} balance on my account, I was charged interest in the amount of {$44.00}, with that amount due during my next billing cycle. This was also after I had ONE late payment ( the only one in my credit history ) with XXXX, and they instituted a penalty rate on my card AND decreased my credit limit to make it appear that my card was maxed out, without notifying me, several months after the late payment occurred. This ended up hurting my credit score, when I otherwise had excellent credit and payment history.
Product: Payday loan, title loan, personal loan, or advance loan

I took a personal loan out with one main a little over XXXX I was approved when I arrive the representative had add on fees of towing insurance. I needed the loan for a work car he informed me I must take it or my interest rate would be over 23 % instead of the XXXX. They even added an insurance policy when I asked to speak with a manager she informed me the same thing about the add on fees and it a protection since I had less than perfect credit with a high risk client. I signed spoke to my husband and called back up there and the told me the loan was final. When I went to refinance the loan the next rep said they are to offer but not add on to my loan. When I arrived he had tagged on all these add on products to my loan and would not let me cancel. The rep apologize. I know now that I was totally taken advantage of as a customer and they committed a false act towards me. Approx XX/XX/2020 the knew I had hardship and lied and fuarded me
Product: Student loan

I had 1 loan with XXXX/USAFunds/XXXX for {$15000.00}. It was in deferment for 10 yrs while I was taking classes and then in forbearance based on recommendations from XXXX. Due to a divorce my loan went into default for 3 years.
XXXX, a collection agency for XXXX, represented that they were collecting on all 4 of my defaulted loans. I paid the amount that was negotiated for my total student loan debt, but only the 1 loan I had with XXXX was paid. USAFunds/XXXX website shows I paid over {$20000.00} in interest and fees, when a letter from XXXX shows interest and fees around {$9000.00}. The XXXX/USAFunds website says I paid a total of {$59000.00} for a {$15000.00} loan.
After calling and discussing with USAFunds/XXXX they said that I negotiated that amount and would not refund any money. The collection agent for XXXX, XXXX, uses illegal tactics and fraudulently represented that they were collecting on all four of my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, You are in Violation of the Law. YOU ARE WILLFULLY NON-COMPLIANT. I AM A FEDERALLY PROTECTED CONSUMER AND I RESERVE THE RIGHT TO PRIVACY. YOU HAVE A GRAVE RESPONSIBILITY TO UPHOLD THIS! YOU MUST RESPECT MY RIGHT TO PRIVACY. I UNDERSTAND THAT YOU ASSUMED A ROLE IN ASSIMILATING INFORMATION ON ME A FEDERALLY PROTECTED CONSUMER!!! XXXX ADDITION, I DO NOT CONSENT TO E-OSCAR VERIFICATION*** Pursuant to 15 US 1681a ( 2 ) you can not report any information solely as to Transactions or experiences between the consumer and the person make the report. I am the consumer and Person is the cooperation. You have reported a Derogatory and Charge offs on my consumer report. Pursuant to 15 USC 1681a ( 2 ) to states that you can not report EXPERIENCES or TRANSACTIONS on my consumer report. Collections, Derogatory and Charge off are Transactions and Experience this is a violation of the LAW. Pursuant to 15 U.S.C. 1681 Congressional Findings and statement of Purpose ( 4 ) there is a need to insure that consumer reporting agencies exercise their GRAVE responsibility with fairness, impartiality and a respect to the consumer right to PRIVACY. YOU MUST RESPECT MY RIGHT TO PRIVACY. YOU NEVER HAD MY PERMISSION TO REPORT THESE THING ON MY CONSUMER REPORT WHICH NOW IS NOW CONSIDERED FRAUD!!! Please reinvestigate the following accounts and remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity theft. The following accounts are all fraudulent and not my accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I been receiving harassing and threatening telephone calls between the hours of XXXX XXXX and XXXX XXXX of harassment, abuse, misleading statements and threats of being sent to jail or prison from the above creditors Debt Collection representatives in regards to the fraudulent accounts. The above creditors are in violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX XXXX For a letter confirming that I have paid off balance of XXXX card and paid half of balance on XXXX nd card.. Not received any letter from XXXX XXXX.. customer service confirms card have received my payments but refused to send me a letter via Fax or Email. 

I need the letter so I can clean up my credit report so I can apply for mortgage loan. This is delaying my mortgage application and can cause denied application. I have provided an email and fax number, but XXXX XXXX Customer service lies that it has been sent, Nothing is received, unlike All other credit card companies, XXXX, XXXX, XXXX XXXX and other have sent me fax confirmations in XXXX XXXX
Product: Debt collection

-I had a routine XXXX  on XXXX at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-On XXXX, I received the first incorrect bill for XXXX  service ( should have been preventive ). 
-I have contacted XXXX XXXX on more than 10 occasions to resolve the issue. 
-My doctor confirmed that it was mis-coded and was a preventive procedure. She and her staff have also tried to resolve the matter numerous times. 
-In several of the calls, XXXX XXXX personnel said they would resolve the matter and/or respond back to me and my doctor 's office. They never did. 
-XXXX XXXX are pretending that I didnt provide enough information to bring the debt into question. On XXXX, I received a collections notice from Sequoia Financial Services - a debt collector - to my surprise. 
-OnXX/XX/XXXX, I disputed the debt through my attorney, who informed the debt collector that this activity was known as up-coding and is illegal in the State of  California . 
-On XX/XX/XXXX the debt collector sent another ( incorrectly coded ) bill for {$830.00}, and referred to their correspondence as a response to a request for debt validation, from my attorney. No such request was made. Once again, XXXX and the debt collector didnt provide any responsive correspondence. 
-I have documentation of these facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inquiries on my report on XX/XX/2023 that shouldnt be there be because i did not authorize any Institutions or agencies to access my report I submitted the FTC report to the bureau directly and they did not help.
Product: Checking or savings account

in XX/XX/2018 opened 2 $ XXXX cd 's for a XXXX yr term at 2.12 %. around XX/XX/2018 USAA began taking money from the CD interest deposit and around XX/XX/XXXX they said it was because of the XXXX not being on file, around XX/XX/XXXX the XXXX issue was resolved the XXXX was found on file since the start of the CD and the deductions should have stopped. The deductions continued and were not even accurate but continued, calls to USAA resulted in assurances that the deductions will cease and return of the deductions will be provided, no return calls ever received deduction continued. In a desperate move the CDs were cancelled and money withdrawn from USAA the penalty was indicated as a portion of the interest paid but the resulting penalty was a deduction of interest and principal form the CDs. Additional calls to USAA seniors and agents resulted in a call from someone who never called again who said the issue is under review. No information on my CDs with USAA is now available on line at USAA under my file and account numbers, no interest XXXX or indication that the CDs ever existed is available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Miss-information present on my Experian credit report regarding all my student loans with XXXX. 

It is stating " Payment Deferred '', showing on XXXX different Student Loans managed through XXXX  " Opening Dates : Balance '' : XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4000.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00}
Product: Checking or savings account

I received my paycheck from XXXX XXXX ( XXXX XXXX ). I deposited mobile to my Chase Bank Account. A few days later accidently grabbed same check ( instead of another check ) and deposited physically at XXXX XXXX. I realized that evening I had made mistake and went to XXXX XXXX next day to cancel deposit. they reversed funds. then a week later Chase Bank reversed funds as well. 

This check is not in either of my accounts and the funds were not returned to XXXX. 

I have called so many times to get this corrected. no one can fix this Please help me to get this {$1300.00} back to my employer. 

call me at XXXX for questions
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, never authorized and or do not recognize these inquiries on my credit report from XXXX, OpenRoadLending LLC, and XXXX ( I have no clue what this is. ) on date XXXX XXXX, XXXX. I am not in search of a car loan and or refinance as I recently purchased and opened one in  XXXX of XXXX. Nothing was done purposely for my credit to be pulled.
Product: Debt collection

I first sent a certified letter to Receivables Management Systems on XX/XX/2021. I received no validation of debt but was sent a bill instead saying they hadn't heard from me. The letter I sent was from the address on my credit report on XXXX I received no response, bill has different address then what is reported on credit report. 

I then sent a follow up letter on XX/XX/2021 asking for validation of the debt owed. This was also by certified letter, it was sent to another address given on a different credit reporting on XXXX I received no response and was sent a bill on XXXX instead saying they haven't heard from me. There was a different address on the bill then what is reported to the credit bureau. ( I have confirmation they received each letter from USPS website tracking ) I then followed up with my 3rd letter by certified letter on XX/XX/2021. Asking for validation of debt again, I sent this letter to the address on the bill. I received no response. Nothing, until XX/XX/2021 saying they hadn't heard from me. Even though I know they received each letter. 

I then my 4th letter with copies of each letter that I had previously sent, copies of each certified letter to them, to address on bill on XX/XX/2021 this was sent by certified mail as well. 

I received no response again. I then sent my 5th and last letter to them asking for validation that this was my debt, on XX/XX/2021. I sent this certified letter with a return receipt so they would have to sign for it this time. I have all electronic receipts through USPS of when it was received each time by there office. I then received a letter back from them, it was quite rude and told me they are not required to give validation of this debt since they received no response from me they said. Which is simply untrue. I have proof of the letters and receipts that have been sent over a 5 month period. 

They are not following the law, they haven't responded for over 5 months, and then send me a bill with personal medical info, which is against HIPAA rights, they have no legal right to have that information because they have not shown a sign copy of a release from me for HIPAA medial information. They are in serious violation of several collection practices. 

I want this debt removed, they have no legal basis, they have no contract with signature that says I'm require to pay them, they have no HiPAA release from me either and I have no legal obligation to pay them because of that requirement. They have to follow the law and they are breaking it.
Product: Credit card

I am retired aged XXXX years. I lost my job XX/XX/XXXX. 
My main source of income is retirement benefits from social securityJob loss and two times XXXX to my wife make me unable to meet financial commitments in paying medical bills and credit card payments. 
I have a debt of {$20000.00} on credit cards since XX/XX/XXXX and a personal loan.from XX/XX/XXXX. 
Till today I am able to pay all the payments to credit cards and personal loans on time while I was in job without any back payments or default in payments at any timeMy main source of income is {$1000.00} from social security as retirement benefits. 
Hear after I may not be able to continue the payments with very high APR.. 
Requesting all the credit card companies to reduce my interest rate and principal amount to the maximum possible and help me in paying off their dues. 
I am great full to the CFPB management for this helping hand to the needy consumers.