23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Sir/Madam, I am writing to formally dispute the reporting of late payments on my closed XXXX XXXX XXXXXXXX credit card account for the following dates : 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 

Under the Fair Credit Reporting Act ( FCRA ) Section 609 and the Truth in Lending Act ( TILA ) 15 USC 1666B, I request that you provide proof and verification of the accuracy of these reported late payments. Specifically : 1. **Verification of Payment Timing** : According to 15 USC 1666B , creditors must send billing statements at least 21 days before the payment due date. I have not received these statements within the required timeframe, nor have they been sent via certified mail. 

2. **Cease and Desist Violation** : I have previously served XXXX XXXX XXXX XXXX XXXX cease and desist letter, yet my requests to have the late payments removed have been unjustly verified without proper evidence. 

3. **Request for Evidence** : Please provide : - Copies of all billing statements for the months in question, showing the date they were mailed.

- Proof that these statements were sent at least 21 days before the due dates.

- Documentation of how the verification of the late payments was conducted.

Failure to provide this evidence within 30 days will confirm that the reported information is inaccurate, and I expect these late payments to be removed from my credit report immediately.

Furthermore, I want to remind you that continued reporting of these payments as late, especially after the account has been closed, is a violation of federal law. The lack of a 1099 form after the account was charged off is another violation, as is the unauthorized use of my credit card and personal information. This situation has escalated to the point where I am prepared to pursue legal action for adverse action, extortion, racketeering, identity theft, fraud, and unauthorized use of my credit card.This is my final request for the removal of these inaccurate late payment entries. If this matter is not resolved promptly, I will have no choice but to seek legal remedies.Please provide a written response confirming the removal of these entries or supplying the requested verification and evidence.Thank you for
your prompt attention to this matter.Sincerely XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

My family and I were affected by Hurricane Ian and Nicole during the months of XXXX and XXXX in XXXX. I called XXXX  XXXX XXXX on XX/XX/2022 and Spoke to XXXX to explain my situation and hardships with payments due to the hurricane and he advised me that the late fees would be removed from my credit card account and no late payments would be reported to the credit bureaus. My credit report has a late payment for the month of XXXX. I tried to dispute this with XXXX  XXXX XXXX multiple times and they will not remove this from my credit reports. Even with the difficulties we endured during this natural disaster I still made payments on my account in XXXX and XXXX. I have been banking with XXXX  XXXX XXXX for almost 10 years with my oldest credit card account of 6 years and not a single late payment with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

While attempting to get approval for a loan to purchase a home, it was brought to my attention that there was a fraudulent collection on my credit report -- an apartment had been rented in my name in XXXX XXXX and reported to collections in XXXX XXXX in the amount of {$910.00}. On XX/XX/XXXX, I contacted XXXX via email, as well as, via phone call to begin the process of disputing the fraudulent collection claim. In addition, I reached out the apartment complex -- XXXX XXXX Apartments -- and expressed my concern regarding a fraudulent collection that had been reported in my name. The manager at the apartment complex invested the claim and told me that my name had not been reported by the apartment complex. On Monday, XXXX XXXX, XXXX, I filed an Identity Theft Report with the Federal Trade Commission. 

On XXXX XXXX, XXXX, I contacted XXXX to inquire about the status of my dispute. I was told that the dispute was still under investigation and that the reporting agency ( ProCollect ) maintained that I was the individual who had been reported by the apartment complex. I contacted ProCollect twice on XXXX XXXX and was told both times that my name and social were not in their database. The account number associated with the collection -- that was listed on my credit report -- -was in their database associated with someone else 's name and social security number. ProCollect vehemently denied reporting my name to XXXX because they had no record of me in their database. I contacted XXXX again on XXXX XXXX and shared this information with them. An XXXX supervisor insisted that ProCollect had denied the dispute on XXXX XXXX because they maintained that my name was associated with the account number. 

Neither agency is accepting responsibility for the fraudulent reporting of the collection on my credit report. I did not rent an apartment from XXXX XXXX in XXXX nor XXXX. If ProCollect has the account number that was reported listed for someone else, XXXX  shouldn't have placed the collection on my credit report. It is a fraudulent report and constitutes identity theft.
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the provided information with XXXX, and TransUnion ; regrettably, the matter remains unresolved to date. 

XXXX 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number XXXX XXXXXXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX CA XXXX Please correct/update this inaccurate information on my credit report. 
3. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> Please remove this inaccurate information from my credit report. 

TransUnion 1. The following personal information is incorrect Name : XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX 3. The following personal information is incorrect Also Known As : XXXX XXXX 4. The following personal information is incorrect Employers : XXXX 5. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX CA XXXX Please correct/update this inaccurate information on my credit report. 
7. The following personal information is incorrect XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Please remove this inaccurate information from my credit report.
Product: Credit card or prepaid card

You have violated The Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) ( FDCPA ) & the Fair Credit Reporting Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services ( FCRA ). 
( TITLE 15 ) 15 U.S. Code 1681, 15 U.S. Code 1692, 15 U.S. Code 1681b.

FCRA 605B ( 15 U.S.C. 1681c-2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2020 I wrote a letter to Experian credit reporting agency to inform them that they are reporting inaccurate information on my credit report of accounts that do not belong to me. XXXX, XXXX XXXX XXXX ( Plz see Ex-A ). I also informed them that they have 30 days to complete their investigation as per Fair Credit Reporting Act sec 611 ( a ) ( 1 ) ( A ). 

On or around XX/XX/2020 I sent a XXXX letter informing Experian that they are still reporting incorrect items on my credit report ie,. XXXX XXXX XXXX XXXXXXXX, XXXX acct # XXXX and XXXX XXXX cc acct # XXXX. ( Plz see Ex - B and Ex b ). 

On XX/XX/2020 I made a 3rd attempt to resolve the ongoing problem with Experian from their continuance with reporting fraudulent information on accounts that do not belong to me. Plz see Ex-C, Ex ( c ) and Ex-D ) Too date, they havent VERIFIED any of the above accounts, however, they claim that they have completed their investigation and came to the conclusion that the accounts belong to me. This is impossible when the so-called creditors cant verify the debt ( s ) themselves. They are relying simply on a copy of an made up statement and my SS #. According FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document DOES NOT constitute verification.
Product: Credit reporting or other personal consumer reports

Today I pulled my credit report and noticed that a XXXXXXXX XXXX  account along with two XXXX XXXX accounts appeared on my Transunion credit file. 

The XXXXXXXX XXXX account had been removed a few weeks ago after disputing and filing a CFPB claim. The account had different open dates then other credit reports. This account has reappeared on my credit report with different " date opened '' from other credit reporting agencies. ( File included ) The XXXX entry for Transunion shows derogatory for status and XXXX shows open and current for status. 

One of the XXXX XXXX accounts shows a Transunion " date opened '' of XX/XX/XXXX and a date opened in XXXX showing XX/XX/XXXX. Transunion is showing a balance of {$0.00} and XXXX is showing a balance of {$12000.00}. This same account is also showing different last reported dates. This XXXX XXXX account mentions an attached bankruptcy and the XXXX  credit report entry has no mention of any bankruptcy on this account. ( XXXX report included ) The other XXXX XXXX accounts shows a date opened in Transunion XX/XX/XXXX and for XXXX & XXXX XX/XX/XXXX. This same account shows a credit limit of {$1600.00} in Transunion, {$1900.00} in XXXX and a {$0.00} credit limit in XXXX.
Product: Checking or savings account

I had a checking account with Citizens Bank and on several occasions their overdraft fees caused more overdrafts and higher negative balance. At one point the total negative balance on the account can be broken down to XXXX in fees alone and XXXX in charges. They proceeded to call my ex-wife who has not been on the account for over 3 years and even has a new phone number, but someone they obtained her number and called her informing her of the situation. I then called the bank and explained the problem with doing that and informing them that the balance of XXXX was mostly their fees of XXXX including a monthly maintenance fee. I offered to pay the charges which came to XXXX. At this point the person I spoke to refused and stated if I dont pay the whole balance they would close the account and report me to ACH so I would not be able to obtain another account at other banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although it was understated and proven fraudulent, XXXX  inquiry is STILL on my report. XXXX has not heard from me since approximately XXXX of XXXX when I specifically told them I was canceling my insurance because I felt they were overcharging me. ( I disputed this debt but am unable to see decision on my XXXX   acct and don't understand the wording next to it on my credit report ). However, they have UPDATED the account to XX/XX/XXXX, though they've NOT heard from me! XXXX SHOULD BE INVESTED BY FBI!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. 
This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. 
If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish this inaccurate negative information to the credit reporting agencies. 
The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? 
If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. 
Does this account include a finance charge? If so, does the finance charge include a premium the protects the creditor in case of default? Has any insurance been filed on this account? If a XXXX or any insurance has been filed on this account, you have no right to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of this inaccurate information would constitute a breach of fiduciary duty. 
Since there is no law under the Fair Credit Reporting Act requiring your financial institution to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. 
XXXX companys policy does not supersede federal law. I am demanding this charge off is UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these fraudulent negative accounts and they are still on my credit. I submitted dispute letters and FTC reports and they still have not been removed. 

TXXXX XXXX XXXXXXXXXXXX XXXX XXXX {$8300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} Experian : XXXXXXXX XXXX XXXX {$8300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it says Im retired and have no credit. I just recently came across this while applying for a credit card and a loan. Im only XXXX Im XXXX  XXXX or retired and I need to b able to access some type of credit. Im n a bind right now and could really use it but I knew it was messed up because someone hacked my computer and switched a lot of information up on it.
Product: Mortgage

I have a HELOC with XXXX XXXX XXXX and I was approved for a trial loan modification with payments of {$3100.00} starting XXXX XXXX, XXXX through XXXX XXXX, XXXX. I made the first trial payment to XXXX XXXX XXXX on XXXX XXXX, XXXX for the XXXX XXXX, XXXX payment and on XXXX XXXX, XXXX for the XXXX XXXX, XXXX payment. I received a transfer notice from XXXX on XXXX XXXX saying my loan was being transferred to Selene Finance effective XXXX XXXX, XXXX. 
Selene would n't accept my third trial payment due for XXXX XXXX, XXXX. A new assignment of the Note was recorded on XXXX XXXX with XXXX XXXX as the Trustee for the Note. Selene approved of a loan modification with payments starting XXXX XXXX, XXXX and a payment of {$4400.00} a month, an increase of {$1200.00} a month from the trial mortgage payments that XXXX approved. Selene never gave an explanation as to why the increase in the permanent loan modification. Also the Principal balance of the loan modification is {$840000.00}. However, the loan started off as a Home Equity Line of Credit for {$500000.00}. After requesting an explanation in the {$340000.00} in charges, Selene could n't give an explanation other than saying its a modified interest bearing amount on a Home Equity Line of Credit ( HELOC ) After I rejected the offer, Selene said that would proceed with foreclosure and Selene recorded a 20 Day Notice of Sale on XXXX XXXX, XXXX
Product: Vehicle loan or lease

. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
Product: Debt collection

Started getting e-mail notifications of missed payments to a bank in California that we have never applied for credit nor have we received credit. Try to contact the bank but they require social security number to even talk. It seems like a phishing expedition. 
Started notifying us in XX/XX/2023 via e-mail and text message only. No correspondence by physical mail, which makes this even more suspect.
Product: Credit reporting or other personal consumer reports

I recently applied for credit and was denied. I pulled my credit report and noticed some unauthorized inquiries that caused me to be denied.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on 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
Product: Debt collection

I was berated, TOLD it was mine, TOLD not to worry about it just pay it or I would be arrested and they used foul language on me the entire time. They both call and text and do both not only during hours but also before XXXX XXXX  and after XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I was Scammed using My PayPal Account for {$1000.00} To a XXXX XXXX My Lap top was hacked. Had to change my Checking account number with my Credit union. Blocked my XXXX account. Unknown if they got my SSN or My Mortgage My Lap top is currently being cleaned by a service in town and will give me a report on their findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 UCS 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in Englehardt v. Gravens ( Mo ) 281 SW 715, 719, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists.

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 


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

hello. My issue is the Company called XXXX XXXX reported wrong inaccuracies to all three Bureau 's and instead of the deleting it off of my credit report they did nothing at all. I contacted XXXX, Transunion, and also XXXX about this matter and asked for it to be removed due to inaccuracy have constantly tried to understand why is this still affecting my credit report when it has previously reported incorrect and inaccurate information. I am saddened by this matter and if you could assist me with this matter I would greatly appreciate you for it. enjoy the rest of your evening.
Product: Mortgage

Selene Finance didn't pay my second quarterly property tax which was due on XX/XX/2021. I received the delinquent notice from the XXXX XXXX on XX/XX/2021. I called Selene on XX/XX/2021 they acknowledged their mistake asked me to send the delinquent notice to them so they can send the check out to township ASAP. On XX/XX/2021 I found out the taxes was still not paid, i called them again they again said will be taken care of in two days. I have been calling them every 4 days since then. Today XX/XX/2021 they are saying they will take care of it by XX/XX/2021 extending it for another month. My third quarterly tax payment is due on XX/XX/2021 I'm afraid this will lead into a big mess. Please help me to resolve this, I have been making my payment on escrow which is {$770.00} and mortgage {$2400.00} monthly on time. As of now I have {$4800.00} in my escrow account my property tax is {$2100.00} every quarter. Tax due $ XXXX {$25.00} XXXX interest XXXX as of today. 

Lender Information : Business Name : Selene Finance Address : XXXX, TX XXXX Phone : ( XXXX ) XXXX
Product: Checking or savings account

Date : XX/XX/year> My account was locked for unknown reasons. Unable to verify my identity because my phone number " doesn't match the name on the account. '' I need an affidavit to verify my identity. An affidavit was never sent. Unable to verify my identity and now locked out of my account with nearly $ XXXX in it. According to them, there is no other way to verify idenitiy.