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

I am contacting you to address significant inaccuracies that I have identified on my credit report. These errors pertain to specific accounts listed in your bureau 's records, which are currently reflecting incorrect information. 

Enclosed are letters that detail the nature of these errors, including documentation supporting my claims. The discrepancies involve incorrect reporting of payment history, account status, and other vital data that are adversely affecting my credit profile. As these inaccuracies do not align with my actual account activity, it is essential that they are corrected promptly. 

I am requesting that you initiate an investigation into the accounts mentioned in the attached letters, rectify the errors, and ensure that the inaccurate information is removed from my report. I also ask that my credit report be updated to reflect the correct information in accordance with the Fair Credit Reporting Act ( FCRA ). Once the corrections have been made, please provide me with confirmation in writing. 

If any further information is needed to process this dispute, feel free to reach out to me at your earliest convenience. I expect a timely resolution to this matter and appreciate your cooperation in correcting my credit file.
Product: Debt collection

Request for Proof of 1099-C and Removal of Debt from Credit Report I hope this letter finds you well. I am writing to address a matter regarding the debt listed on my credit report, account number [ XXXX ], which was discharged and subject to a 1099-C issuance. As per my records, I received a 1099-C for the aforementioned debt, indicating that it was discharged. However, despite this, the debt is still being reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide proof of the 1099-C that was issued for this debt. I believe this documentation will support the removal of the debt from my credit report, as it accurately reflects its discharged status. Please provide this proof within 30 days of receiving this request. If you are unable to provide the requested documentation, I respectfully request that you promptly remove the debt from my credit report. Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX  ) & reporting account { XXXX }, is in violation of 15 USC 6802 " Obligations with respect to disclosures of personal information ''. 15 USC 6802 States : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. This section also gpes on to speak about how a consumer has the right to opt out in section ( b ) which I, the consumer, never received from XXXX. Section ( b ) " Opt Out '' States : 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I, the consumer, never received from the financial institution a clear and conspicuous statement that my nonpublic personal information would be disclosed to third party non affiliates. Section ( b ) " Opt Out '' goes on to state how the consumer must be given an opportunity to before such time information is disclosed to opt out and not disclose such information to third parties. Part C ), the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I, the consumer, was never given an explanation from the financial institution ( XXXX  ) an explanation of how I could exercise a nondisclosure option which per this code must be given. The financial institution is also in violation of the privacy act of 1974.
Product: Credit reporting or other personal consumer reports

I contacted XXXX to get my credit report, in XXXX of 2024, and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b. I have contacted them by phone several times explaining that is in violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX the natural person continue to be a victim of fraud upon the US department of Education unauthorized use of personal information, damaging and willingly, my character and privacy overall. I have sent in numerous complaints and fraud and theft reports regarding this matter and this loan servicer.. for the record US Department of Education XXXX XXXX had no permissible purpose, thus my written consent to report on my consumer report, for the record. For the record, XXXX has admitted to selling yet again my information to XXXX. This account has been in investigation far over 60 days with the CFPB as well as third party credit bureaus such as XXXX and XXXX XXXX. XXXX XXXX Assistance continues to appear and reappear, This is by far a violation of my Constitutional Rights. XXXX XXXX XXXX XXXX XXXX an account opened fraudulently, thus without my written consent to report in regards to COLLECTION a debt pursuant to 15 U.S. Code 1681 B. 15 U.S. Code 1681 ( a ) ( e ).
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX 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 in XXXX AND XXXX 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. 

XXXX XXXX XXXX XXXX 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: Mortgage

Reference : Complaint # XXXX submitted on XX/XX/XXXX. 

While I appreciate Newrez waiving the late fee which should not have been assessed in the first place, I am troubled by a statement which was made by Newrez in its reply to the referenced complaint above. That statement included an effective date which was not factual. 
In the reply, Newrez stated : Upon research of the issue, we determined that our records show, a notice was issued on XX/XX/XXXX, that the Private Mortgage Insurance ( PMI ) was removed from your account with an effective date of XX/XX/XXXX. 
Contrary to this claim by Newrez that I was notified with an effective date of XX/XX/XXXX for the removal of the PMI, the actual effective date was XX/XX/XXXX. And that led me to make a full payment less the PMI charge, which came to {$3400.00}, on XX/XX/XXXX. 
To substantiate that the effective date was indeed XX/XX/XXXX, please see attached communication from Newrez which was sent to me on XXXX XXXX, XXXX. In that electronic message, Newrez clearly indicates that the PMI was cancelled on XX/XX/XXXX, with an effective cancellation date of XX/XX/XXXX. 
Further, there was a delay in this whole process and as the attached letter shows the LTV came to 70.98 % which was about 10 % less than the minimum criterion of 80 % to qualify for PMI cancellation. With that, the PMI on my loan should have been cancelled much earlier in time.
Product: Vehicle loan or lease

I have made numerous calls to the customer service phone number and visited a branch with no resolution. I am making extra payments and they are not applying them to principle but rather putting them to future payments. The billing is then thrown off showing no payment required. I want amount in excess of monthly payment put toward principal. I have conveyed this several times to them.
Product: Mortgage

Notice of Error pursuant to 12 CFR 1024.35 ( a ). PennyMac Loan Services has failed to provide the following : 1. Short year statement under 12 CFR 1024.17 ( i ) ( 4 ) 2.  Disclosure Statements under 12 CFR 1024.32 ( a ) 3. Return of Credit under 12 CFR 1024.34 4. Failure to pay taxes by the due date, as required by 12 CFR 1024.34 ( a ),  which are now due 5. Notice of Sale of mortgage was not provided by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute the fraudulent inquiries through customer service and by disputing online through the credit reporting website and the fraudulent inquiries are still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX. All medical bills are paid through them. But yet I have a collection from DATAMAX. I didnt give anyone the right to look at my medical records. I would like this removed
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$220.00}
Product: Credit card or prepaid card

XX/XX/20 Account opened XX/XX/20 Approval letter and card received XX/XX/20 I called to activate card. ID ( front & back ) requested and submitted XX/XX/20 Charged at the XXXX XXXX XXXX declined. I phoned from restaurant and I was told the card was not activated after re-submitting information requested by bank, my card was activated again. I charged the card for diner for the amount of {$68.00}. 

XX/XX/20 Card used at XXXX XXXX For the amount of {$2.00} XX/XX/20 XXXX XXXX purchase was denied. 

XX/XX/20 Call company, they requested more information. 
At that point, I paid the full balance online and called back to close my account. After talking and closing my account with the XXXX  XXXX operator, I went online to check my account and my status went from available balance to " NOT AVAILABLE BALANCE N/A ''. 

XX/XX/20 I received email stating that I was late with my payment. I went online and XXXX XXXX was charging me for late fee {$25.00} plus annual Fee {$95.00} plus Interest. 

I called them again and they told me I need to send them my driver license in order to continue with our conversation and to resolve the issued. I explained I was in the hospital due to my XXXX, she didn't care. Also, she told me that my account was Not closed. She told me it was in the record that I called to close the account but I hand up before they would tell me about some disclosure. ( That is Not true statement. I stayed with the operator until the end together with my husband. Must be a recording of that conversation ) XX/XX/20 I re-submitted Driver License. No one havent call me since then to resolve this issue. 

Please help me to resolve this horrible nightmare by crediting of all " bank charges '' and closing the account. I am scare to received another statement with more charges and/or reported to the credit buries.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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

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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights.

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 XXXX 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting, credit repair services, 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. 

Account number ; XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX has violated my rights. 

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 formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Personal Information : Employers : XXXX PLUS Employers : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX : XXXX XXXX XXXX Former : XXXX XXXX Previous XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX Also Known As : XXXX, XXXX, XXXX Name : XXXX XXXX Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USCs1681B
Product: Credit reporting or other personal consumer reports

This letter is to notify the management named as Early Warning that your company placed and unauthorized information on my credit report on : Consumer ID : XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand under FCRA : Section 604 : 1. Permissible Purpose.

2. My original written authorization ( not a copy ). 
3. Proof of signature that I personally initiated this information. 
Either provide me strict proof or DELETE the item immediately. If you do not delete this info within15 days I will take legal action. Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. If you ignore this letter and do not delete the info or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

You do not have permission to have or make any consumer account with any of my info such as Name, Phone, Email, Social Security, Passport, Drivers License, ID numbers, Address, Date of Birth * Permanently Delete my consumer account from your database and prevent
Product: Credit reporting or other personal consumer reports

XX/XX/year> asked them to remove debt that was paid to XXXX. Provided letter from XXXX stating paid in full and they would transferring debt back to XXXX and requesting deletion of debt by credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes over the years with XXXX, Transunion, and XXXX  to get incorrect information off my credit report with no help. There is a misspelling of my name, wrong addresses, phone numbers, and even an account I don't recognize. I need help in getting this resolved.
Product: Prepaid card

Bankof america sent out ten edd bank cards to an address where I no longer lived with over XXXX on them XXXX times on a claim I filed and the person used them all they never made this person one time go get bank verified and made me for the XXXX dollars is all I received outta XXXXand still keep denying my claim when there security was faulty
Product: Debt collection

From : Source XXXX XXXX Phone XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX I received a written notification on XX/XX/XXXX ( dated XX/XX/XXXX ) about an unpaid balance of {$93.00} related to the preparation of my XXXX tax return prepared and e-filed at H & R Block in XXXX. 

I contacted Source Receivables Management debt representatives at XXXX. The representative was unprofessional and disrespectful. As I attempted to explain that I was a victim of identity theft, he continually interrupted, called me a liar, and raised his voice. 

I tried to explain to the Source Receivable Employee, a criminal named ( let me know if you want his name ) committed tax fraud with my identity. This has been verified by the Department of Treasury.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.