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

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$1600.00} on the XXXX  XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sent to Judgement and should not be reporting by the collection agency. It is a violation of the Fair Credit Reporting Act to report inaccurate information. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit  report. I have contacted the collection agency as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$3200.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this late payment needs to be updated.
Product: Mortgage

We purchased our home in XX/XX/XXXX & started to receive monetary penalties for late fees a few years later. The late fees were not announced to us until they were accumulated for a number of years. The mortgage statements reflected a penalty amount that was large, I did not know what this was. I contacted Wells Fargo & it took a while for them to respond. They said the problem was that I made late payments, let me be very clear : all morrtgage payments have always been made by me bringing the mortgage payment to the Wells Fargo XXXX XXXX miles from my house & within the grace period. In the information I received back from Wells Fargo the payments were accepted but posted on a later day rendering a late charge. This makes no logical sense. This went on for years. I did a lot of tracing thru my bank versus their records & it was always the same problem, posting was not the same as the payment date. I eventually saw that I was not going to win this & paid the late fees which amounted to {$3600.00} in XXXX. XXXX month later there appeared another {$90.00} late fee from a XXXX inspection fee for an inspection that never took place, I called & it was removed & waived.
Product: Credit reporting or other personal consumer reports

I spoke with XXXX with Agent ID at XXXX XXXX on XX/XX/XXXX. I contacted XXXX XXXX today to go over my payment history. I asked from my first date of delinquency. I noticed that there are areas where there is no data. 

Here is what I gathered from XXXX to the end of the loan. I already requested this in writing and it should be emailed to me in XXXX to XXXX business days. 

XX/XX/XXXX {$440.00} reversed then I paid {$1100.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$560.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$200.00} XX/XX/XXXX XXXX XX/XX/XXXX {$380.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$370.00} ( XXXX extension requests ) XX/XX/XXXX {$130.00} XX/XX/XXXX {$100.00} ( XXXX extension requests ) XX/XX/XXXX {$180.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$410.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$450.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment ( extension request 2 months ) XX/XX/XXXX {$1100.00} XX/XX/XXXX ( requested XXXX extensions ) XX/XX/XXXX {$280.00} XX/XX/XXXX {$560.00} XX/XX/XXXX {$560.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$560.00} XX/XX/XXXX skipped but payment made for XXXX XX/XX/XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries were not and should not be reporting.

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Debt collection

Identity Theft Affidavit Affiant Information : Name : XXXX XXXX XXXX of Birth : XXXX  Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX Date : XX/XX/XXXX To : XXXX, XXXX XXXX XXXX Subject : Urgent Matter Regarding Fraudulent Accounts I, XXXX XXXX, hereby declare that I am a victim of identity theft. I am challenging the following items listed in my credit report as fraudulent. In accordance with the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of these items from my credit report. 
The accounts and information listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Items to be Removed : Non-Mailing Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fraudulent Account : Creditor : AMSHER COLLECTION SERVICES/ T-mobile Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2700.00} Payment Status : Collection Creditor Address : AMSHER COLLECTION SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Creditor Phone Number : ( XXXX ) XXXX Legal Basis for Removal : 15 U.S.C. 1681 Section 602 A : Grants me the right to privacy.

15 U.S.C. 1681 Section 604 A ( 2 ) : Prohibits a consumer reporting agency from furnishing an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits reporting any adverse item of information that predates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits the furnishing of information to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Request for Verification and Compliance : If the above accounts can not be verified, they must be removed immediately in accordance with FCRA Sections 609 & 611. Should your company fail to comply, I will be compelled to take legal action, which may include a small claims suit.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in further action. 
XXXX XXXX
Product: Credit card

The account in question is with Capital One ( Walmart ). 

I had a balance of {$4800.00}, on my Capital One Visa. I made a payment, paying off the total amount of {$4800.00}, on XXXX XXXX XXXX. It was also posted to the account on XXXX XXXX XXXX. It posted as having come out of my XXXX checking account on XXXX XXXX XXXX. Today, XXXX XXXX XXXX, I attempted to use the card to make ax purchase and it was declined. The balance on my card was correct, but the available credit is stating {$32.00}. According to this information it was as if no payment had been made at all. 

I phone Capital One customer service. The first representative told me that my payment was " too large '' so they put it on hold and won't release it for 7 days. The payment was made via direct banking from the bank account. I work in online payments and I know that it only takes 24 hours for those types of payments. So Capital One thinks it can sit on our money for 6 extra days and draw interest while the funds are inaccessible to us? 

The representative sent me to an Account Specialist. The AS was impossible to understand. She couldn't even understand the basic account math I provided to her. Eventually she began asking me for my Social Security Number. I explained to her that I would provide her with my last 4 digits, but that she should already have that in information. Keep in mind that I already proven my identity several times at this point. I asked for the next level of support. 

After 40 minutes she finally transferred me to the Security and Fraud Department. This was more of the same, but at least this gentleman was easier to understand. In the end I never got the help that I needed. I guess they just figure that nearly {$5000.00} is gone from my XXXX Checking Account, but that's not really their problem. 

How can they just take {$5000.00} and have no more accountability than this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a negligent fraud account that was opened in using my personal name and social security number. After disputing this with XXXX credit bureaus, they never responded to my inquiry after I sent them a copy of the police report of stolen identity. A federal trade commission report that I filled out as a victim of stolen identity and after months of going back and forth with them they decided not to respond to my last two letters sent out to them with my signature. It has now been 30 days and still no response from Transunion. This was disputed multiple times. And multiple times they have denied any allegation of fraud even though I submitted to them the suspect who committed the fraud with all of his personal information including his first and last name, ssn, mailing address, birth date and the suspects driver license number. This false negligent reporting is hurting me and my family 's financial progression moving forward. This is just a stall tactic to try and use to get some one to own up to it. The police report was filed with the XXXX XXXX sheriffs office. I need to have this removed off of my credit report ASAP. Not to mention the original creditor actually sold the account to a company called XXXX XXXX XXXX XXXX. If that's the case they sold the account with proof they did and then closed the account but its still reporting on my credit. How can that be the case. Transunion has done a horrible job investigating this matter. That letter is attached with other docs to prove this account is negligent and false. I HAVE NEVER DONE BUSINESS WITH XXXX. WE ARE LIFETIME CUSTOMERS OF XXXX BETTER KNOW NOW AS XXXX.
Product: Student loan

I have XXXX Federal student loans through Navient both under consolidation since XXXX XXXX XXXX From XX/XX/XXXX through XXXX XXXX XXXX  there were only XXXX payments where the entire payment amount was applied to interest and {$0.00} to principal. In other words XXXX out of XXXX payments had some portion applied to principal. 

However, something that is out of place occurred between XXXX and XXXX. From XX/XX/XXXX through XX/XX/XXXX all payments were applied to interest Only. 
That's a total of XXXX payments were no principal was applied. Perhaps there was something with the pandemic. But I never asked for forbearance. In fact, I didn't have any remaining forbearance on the loan. When I called for an explanation, the representative only spoke in generalities, but can not explain why such a long period of time passed were no principal was applied.
Product: Student loan

After receiving my XXXX XXXX I took about a year off and had Navient defer my payments. When the deference ended they automatically reported it to my credit bureaus drooping my score significantly. When I called them, they had me print off all of my credit reports, fill out paperwork and mail, not fax, it to them. I did all of this in the XX/XX/2016 and it still never got fixed. My credit bureau said they ca n't do anything unless Navient agrees that it was a mistake, which they never have. I 'm now being forced to try and raise my credit score back up again.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my Equifax consumer report and noticed inquiries that were not originated by me and personal information that needs to be updated. Pursuant to 15 USC 1681c-2, delete the listed fraudulent inquiries within XXXX business days. Also, pursuant to 15 USC 1681e ( b ) please update my personal information to reflect accurate information. ADD MY FULL NAME : XXXX XXXX XXXX. ADD EMPLOYER : XXXX XXXX XXXX XXXX. 

ATTACHED : Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion have a freeze on my credit report. I have contacted them several times. they deny there is a freeze but I tried several companies to get credit and they all report a freeze.
Product: Checking or savings account

On XX/XX/2021 I deposited my paycheck for {$3000.00} issuing bank XXXX XXXX XXXX  dated XX/XX/2021. 

ITIN:XXXX Business name XXXX XXXX Paycheck made out to XXXX XXXX as a ID : XXXX Today the account is placed on hold my close after the day of deposit. 

I asked how? Then was asked questions not relavent to the verification of my deposit to finish the process and get determination of payment by XXXX XXXX XXXX.
Product: Debt collection

Credit bureaus, SHOULD NOT BE ALLOWED TO reinsert a removed item from your credit report without notifying you in writing within 5 business days. THIS UNETHICAL PRACTICE SHOULD BE INVESTIGATED. It is obvious, " Creditors, collection agencies, or credit bureaus, if they make attempts to report " Re-Age '' to a consumer 's report or account by updating the date of last activity on a consumer 's credit report in the hopes of keeping negative information on a consumers account longer. '' This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I requested a copy of my credit reports from Equifax, XXXX, and XXXX   credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1.  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX or ( XXXX ) XXXX {$680.00} XXXX
Product: Credit reporting

XXXX has reported negative information to my files at XXXX, XXXX, and Equifax. The information involves a collection action by XXXX XXXX XXXX that involves a delinquent account owned by someone else and has nothing to do with me. XXXX and their collections agent has mistakenly associated the delinquent account with my credit identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to recent media attention I pulled my credit report and noticed several accounts and inquires that are not mine and that do not belong to me. I would Like these accounts below taken off my credit report immediately I've also filed a police report and FTC report.

Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Balance : {$1300.00} Account Type : Student LOAN Account Name : XXXX XXXX XXXX XXXX Account Balance : {$16000.00} Account Type : Collection Account Name : XXXX XXXX  Account Balance : {$59.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX .

Account Balance : {$2100.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX .

Account Balance : {$510.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$300.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$250.00} Account Type : Collection Account Name : XXXX XXXX XXXX   Account Balance : {$100.00} These companies have put inquires on my account that I did not authorize.

XXXX XXXX on or aroundXX/XX/2017 Below these addresses are not associated with me and I have never lived at. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The company verified that the transactions on my account were in fact unauthorized and agreed with me that I deserve to be credited and refunded. However instead of sending me my credit and refund the company decided to close my account and keep me from getting access to my funds instead of doing there initial job to protect me and my account and my money.
Product: Credit card or prepaid card

I received a letter regarding receiving UI benefits however I have not received the prepaid card that was supposed to to used for the purpose of receiving the benefits. When I tried to call the number provided for the Go Program Customer service I was placed on hold several times for over 30 minutes at a time each time I called. When the phone would finally get answered I could hear dogs barking in the background, or someone with a heavy accent with a very bad static sounding connection who just hung up after a few additional seconds and/or minutes of me saying " Hello?, Is anyone there? '' This would go on each time I called. ( I have called about 30 times. ) And I have not yet received any of my UI benefits or a UI prepaid card or a direct deposit into my account.
Product: Credit reporting or other personal consumer reports

My original mortgage was with XXXX XXXX, they sold to PHH mortgage which has been the worst company to deal with possible. I have never been late since Covid and they have shown me late on my Credit reports for years even though they have only serviced my account for less than a year. They have ruined my credit and due to the breach of data, I want my credit cleaned. I have not been late on anything nor do I have these inquiries either.
Product: Debt collection

I sent this company a 609 letter stating that this debt is not mine and that I would like to see a debt validation letter in XXXX when this first appeared on the credit report. This company continues to put this debt on after we have already disputed and clear the debt with the the credit Bureaus before. This is not my debt and I would like it to be removed off of my credit report, due to the fact that is is NOT MY DEBT and also it hurts my credit rating to be able to leverage my credit to get a new home. Please remove this off my report.
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. 

Account Name : DEPT OF ED/XXXX  Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX bondage, which falls under trafficking according to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX  Account Number : XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$4700.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number:XXXX Balance : {$710.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an entry on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or incomplete. 

The account in question is ] [ PRESTIGE FINANCIAL Charge off / written off XXXX ] which is listed as a closed account on my credit report as of XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX Account Status CLOSED_CHARGE_OFF Balance Owed {$3400.00} request that you investigate this matter and remove this account from my credit report. 

Under the FCRA, 609 ( a ) ( 1 ), I am entitled to request the disclosure of the information in my file at the time of my request. I have reviewed my credit report and found that this account is inaccurately reported. Specifically, [ provide a brief explanation of why the account is inaccurate, e.g., " the account was paid in full and closed by me, but it is being reported as a derogatory account. '' ] In addition, according to XXXX ( a ) of the FCRA, furnishers of information are required to provide accurate information. The reporting of this account is not consistent with my records and is damaging to my creditworthiness. 

I have attached copies of relevant documents, including [ dismissed for want of prosecution ] on XX/XX/year> by judge XXXX, XXXX XXXX, XXXX. Please conduct a thorough investigation into this matter and correct my credit report accordingly. 

I would appreciate your prompt attention to this issue and look forward to your response within the timeframe established by the FCRA. 

Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

For the company to update and remove the late payment remarks on the goods that I was never late on, as this would be fair and equitable to me as a customer.