23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I WAS OFFERED ALOAN MODIFICATION BUT IT JUST STATED A PAYMENT .I REQUESTED SPECIFICS SUCH AS AGGRAGATE BALANC EFINANCED, INTREST RATE, BREAKDOWN OF THE PAYMY AS IT RELATES TO ESCROWS AND PRINCIPLE AN INTREST IN WRITING NOTHING HAS BEEN RECEIVED AS A REPLY TO DATE XXXX XXXX AT CITIMORTGE REFUSES IN HIS OBSTNATE WAY TO PROVIDE INFORMATION ON SPECIFICS .HOW CAN CITI EXPECT A BORROWER TO SIGN ON BLINDLY AND MAKE PAYMENT WITHOUT KNOWING SPECIFICS.XXXX XXXX NEEDS TO BE REMOVED FORM XXXX AND SOMEONE WHO OS SERIOUS ABOUT HOMEOWNER PRESERVATION .HE STATED THEIR WAS NO LETTER OF AUTHORIZATION ON FILE WHEN THERE WAS AS IT RELATES TO MY SPUSE SPEAKING ON ACCOUNT .CITIMORTGE IS HINDERING THIS MODIFICATION AND HASTENING FORECLOSURE LIKE THEY ALWAYS WANTED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted XXXX XXXX and Equifax to dispute inaccuracies that I noticed in my credit report. The Credit Bureaus are reporting inaccurate information on my credit profile and today is XX/XX/2021 and I have yet to hear a decision from the credit bureaus. It has been well over 60 days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX and XXXX, Possibly all XXXX are reporting Public Record from XXXX and XXXX year XXXX from 2011 While my credit report shows no public record. 
However despite report reflects no public report. 
See attached copies of other sections on Experian website that reflects I do have derogatory public date report. 

Therefore on the same report. There are examples below of contradictory reporting from online Website reporting. 

What is regulatory guidelines for inaccurate contradictory reporting? I hope CFPB can help me untangle these problems so i can regain my goid credit held prior to divorce.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Product: Credit card

I started receiving a letter from Portfolio Recovery Associates , LLC telling me I owned {$18000.00} for purchases done in the store XXXX. I do not recognize the number of the account XXXX. The bother line is who used the credit card put my name and address and I explained to Portfolio Recovery Associates , LLC I don't know anything about this account and asked them to delete my name and address from there. Since 4 year ago, someone stolen my identity and I am still dealing with this. I just want to open a report to searching for help in this critical situation. Thanks
Product: Credit card

On XXXX XXXX, 2015, I made a {$1000.00} payment on my American Express Card to satisfy the XXXX XXXX due date. On XXXX XXXX, 2015, I made a {$5300.00} payment to satisfy my payment due XXXX XXXX. American Express refuses to apply my latter payment as I intended and has instead charged me a late fee because the payment was received prior to XXXX closing the former business cycle. I understand " billing cycles '' are a necessary function of any financial institution, but I also know that transferring funds from XXXX ledger to the next is n't rocket science. American Express is, in effect, penalizing me because I paid my bill too soon, and this seems akin to theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX$76.00} XXXX XXXX XXXXXXXX XXXX : {$810.00} XXXX & XXXX XXXX XXXX XXXX  XXXX {$460.00} XXXX XXXX  XXXX XXXX XXXX XXXX  : {$6200.00} XXXX XXXX Balanced XXXX : {$640.00} XXXX XXXX Balanced XXXX  : {$930.00} XXXX XXXX Balanced XXXX  : {$410.00} XXXX XXXX Balanced XXXX : {$620.00} XXXX XXXX Balanced XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was alarmed to find incorrect accounts on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.
Product: Debt collection

XXXX XXXX # XXXXI have a a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.
Product: Debt collection

I got a derogatory mark on my XXXX  and XXXX  credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I'm victim of identity theft. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. SEQUIUM
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Credit reporting or other personal consumer reports

I'm reaching out about an account on my credit report that was a repossession and charged off. I've noticed that this account is still being updated every month as " charged off '' but with an active payment history, which doesn't make sense. A charged-off account shouldn't have any payments showing up.

It looks like this hasn't been correctly fixed, and it's really hurting my credit report. I've tried contacting the creditor. The account type is also incorrect being listed as installment as well as a switch between open/closed/charge with every bureau.

Could you please remove this account from my credit report as soon as possible? I'd really appreciate your help with this. 

Account : XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX amounts showing on my credit reports account charged off {$24000.00} Written off {$17000.00} I never received any letter or letters after writing Exeter about the account or what the Vehicle sold for which I requested. the amounts are not correct. 
I tried several times to pay but was told I could not pay or catch the payments up. 
My job had written me bad checks I work for at XXXX salary and closed up with out any notice. I told them this several times I was waiting to transfer to the XXXX  in which I 'm a XXXX the company had over 460 employees. 

Exeter has no regards to the customer my claim was valid with the state about money filed as proof and the situations going on at the time. 

Now XXXX XXXX XXXX has Transfer of Account Ownership to XXXX XXXX XXXX Why would I pay for a Vehicle that I do n't have nor was ever give a sale amount at auction. 
Now a transfer with no amounts and I dispute any and al money owed to Exeter due to the fact when I wrote Exeter to pay I was treated badly and hung up on. 
the amount on the credit report is not right on the amounts there is no sale amount on {$17000.00} or XXXX was the amount of the begging loan Fin but there was payments made and the sale amount does not leave the balance this high nor XXXX owed minus the sale price of the Vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company in california called Oportun, inc. In XX/XX/2022 someone took out a loan online with this company. When I reviewed my credit report I contacted them and together we made a report # XXXX XXXXXXXX They asked me for 90 days to investigate and they still haven't removed that account from my credit. I told them we could have a video interview with me and that other person so they know where the fraud is but they don't do anything and it affects my credit
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice indicating there was a change in my credit score. When I review my score, it had declined by 17 points. I checked XXXX, XXXX  and Transunion, there was not an explanation given as to why. I've continously reviewed my credit bureau for an explanation, however, there are no justifications listed as to why. This decline appeared in XX/XX/XXXX or XX/XX/XXXX. I would like to understand why there was a decline of 17 points on my score.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX Dear Credit bureau, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

I called in XXXX to try to resolve the issue and still nobody resolved the issue we now in XXXX of XXXX  and it's still the same issue I sent documents they told me they see half of my documents they can't see my ID and all this other stuff and it's not making no sense because how many times can I submit the same documents do I submit my police report and still nobody fixed this a supervisor goes and tell me it was a error made from our end and I'm gon na fix it and then come to find out it was never fixed months later and every time I try to put in an application to we get replacements of credit cards that the laws the application get blocked due to the fact of Experian not updating my file
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT.

WITHOUT : Permissible purpose from the creditor.

Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted.
Product: Credit card

Hi Team, XXXX Amount of XXXX $ balance got transferred from my credit card to XXXX XXXX. It's fraud transaction which I never initiated. 
and I don't have any account in XXXX XXXX 
I have noticed on XXXX and reported to Banker immediately.

and same has been reported to our local Police.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

STARTED WORKING WITH XXXX XXXX XXXX AND MY CREDIT WAS IN THE XXXX THEN. THINKING I CAN BORROW FHA AND HEROs. A few points off I was referred to a CREDIT FIXING CO. WITHIN 30 Days.and I have been working on my own credit for a yr. AS PER XXXX  XXXX..Im back to XXXX. I was referred. These ppl are predators they have NO BUSINESS dealing with the public. Credit repair co wants approximately 200 per mo from r the next XXXXour months. BUT PROMISE TO HAVE YOU IN A POSITION TO MAKE AN OFFRR.

I was in the position to make an offerwhen I contacted. XXXX XXXX. Please help.Im a single mom and XXXX XXXX employee for XXXX yrs attempting to have my XXXX and XXXX ye old attend the right XXXX. This is not right.the consumers are at a disadvantage.
Product: Debt collection

I never took out loan with Portfolio Recovery dont know consumer. Bill collector hurting my credit score. Dont know consumer
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Balance : {$690.00}
Product: Student loan

I have federal student loans, which are serviced by NAVIENT. The monthly payments are due the XXXX of each month. I have an automatic payment from my bank set up to arrive at NAVIENT on the XXXX of each month. 

In early XXXX XXXX I got notice that I had " missed a payment ''. I checked my NAVIENT account and found that NAVIENT alleged there was no XXXX XXXX payment made. In checking my bank account I found that the payment had been made on time and the funds taken out XXXX XXXX. I called NAVIENT and a customer service person politely told me that they could not help me and directed me to the NAVIENT website where I could upload document proof of the payment, which I did. 

Today ( XXXX/XXXX/XXXX ) I checked my NAVIENT account and find that NAVIENT is now alleging I did not make my XXXX/XXXX/XXXX payment. Again I checked with my bank and have documentation NAVIENT cashed the bank check on XXXX/XXXX/XXXX, yet 4 days later they claim to not have received payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX deemed two accounts fraud and sent letters stating they would be removed from my credit. This was on XX/XX/XXXX. Nothing has been done
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX that was a servicer for XXXX XXXX has reported two incorrect mortgage payments as of XX/XX/2021 and XX/XX/2021 showing that they were 30 and 60 days past due but the payments were made to XXXXXXXX XXXX directly and XXXXXXXX XXXX was not aware of the payments and reported them late
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card

I opened a Macy 's star rewards credit card in the store late XXXX this year when I bought an engagement ring. Later, I received a statement which I paid in full over the phone. More recently, I received a statement for my Macy 's credit card saying that I had a previous balance of {$4.00} due & now had {$2.00} interest for a total due of {$6.00}. If this is not paid on time, they threatened to charge me a late fee of {$32.00}. I had nothing due since this XXXX purchase was completely paid off & there have been no other purchases. I have called Macy 's credit card customer service phone number multiple times over the course of several weeks as well as emailed, but have received no response back.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} - Late/Closed XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Open XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$9.00} Late/Open