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

Reporting on Experian & XXXX XXXX XX/XX/XXXX 30 day late For the last 15 yrs. I have made my payment via phone to XXXX Card. I do this because it is free, easy, and I have confirmation that my payment has been received. Just as I do every time with XXXX I called to their automated system to make a payment. However, on this particular-occasion XXXX interrupted the call with a live customer service person that wanted to sell me on a balance transfer. I respectfully declined and stated I wanted to just make a pmt. She replied that she would be happy to help me, so we moved forward with the process. Normally the automated system would prom me if I want to make the pmt. from an already existing checking account which is what I do every time. But because the customer service person was prompted this avenue wasnt available to me. Therefore, I had to recall my checking account number and give to her directly. Which is what I did and was given a confirmation number. 
In XX/XX/XXXX because I am an owner of mortgage company my warehouse banks pull my personal credit on a quarterly basis. One of my warehouse banks alerted me to the fact that XXXX reported me 30 days late on XX/XX/XXXX. I immediately called XXXX and apparently my recall of my checking account was missing the first 4 digits and the payment was never made. I went up the customer service channel and explained to them that I never been late on any account for the last 25 yrs. I also explained to them on what exactly had had happened and asked them why if I missed 4 digits would I then receive a pmt. confirmation number? They totally understood and stated they would give me a letter stating that I made the XX/XX/XXXX payment on time. Which is exactly what I uploaded to Experian in my prior dispute. Now that it has come to this I want proof from XXXX of my late. As I called in to make the payment on time and received confirmation of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Financial/LEAD XXXX This account was a secured loan paid in full. The company was sold and I disputed this account being on my credit report showing I still have a balance and late payments of XXXX XXXX and XXXX which are inaccurate on my credit report. This account is closed and under the FCRA I requested that this be removed from my credit report. The status changed to paid/past due. This account should not be reporting on my credit report as current with inaccurate information.
Product: Mortgage

THIS REQUEST IS FOR U.S BANK N/A ( XXXX XXXX XXXX ) ONLY AND NOT FOR XXXX OR ANY OTHER COMPANY AFFILIATED WITH OUR NOTE, DEED OF TRUST OR GSR LOAN TRUST XXXX! 
FIRST ; WE REQUEST TO KNOW WHAT WAS THE DATE OUR NOTE/DEED OF TRUST WAS TRANSFERRED TO U.S BANK N/A, AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATE HOLDER IN XXXX XXXX? SECOND ; WE REQUEST DOCUMENTATION ON THE INVESTOR WHO U.S BANK N/A PROVIDED THE CERTIFICATE TOO AT THE TIME OF TRANSFER? 
THIRD ; SINCE XXXX, WHICH CERTIFICATE HOLDER HAS U.S BANK N/A BEEN SENDING FUNDS TO FOR OUR PROPERTY/ASSET, HOW MUCH AND DATES PAYMENTS WERE MADE TO THE CERTIFICATE HOLDER?
Product: Credit reporting

Experian has repeatedly violated my rights under the FCRA as well as the XXXX. Below is a list of violations which should suffice for cause to investigate Experian : 1. ) I submitted a written dispute via certified mail which was received by Experian on XXXX, and in violation of the Fair Credit Reporting Act Section 611, Experian never provided written response to my dispute. 

2. ) I submitted a written dispute via certified mail which was received by Experian on XXXX, and in violation of the Fair Credit Reporting Act Section 611, Experian never provided written response to my dispute. 

3. ) I submitted a written dispute via certified mail which was received by Experian on XXXX regarding a data furnisher XXXX who was including my SSN in the account number of an account on my credit report, which does not comply with XXXX guidelines in the XXXX Credit Reporting Resource Guide ( CRRG ) ( which is aimed to protect my rights under the Gramm Leach Bliley Act 's Safeguard Rule ) of protecting my non-public personal information by ensuring my SSN ( in whole or in part ) is not unmasked within a tradeline 's account number. I stated if Experian did not respond to this dispute ( as they had not the last 2 times ), I would file a complaint and sue. Experian replied, and did not comply with XXXX guidelines aimed at complying with Gramm Leach Bliley Act 's Safeguards Rule, and mask/scramble my SSN in the account number. My account number has not been updated, and my SSN is still unmasked in the account number in part for that account. 

Due to multiple violations of my rights under both the FCRA and XXXX, I 'm reporting Experian as a major offender of consumer rights. It is also my strong contention that Experian is NOT verifying information with the data furnisher as they are required via the FCRA through the XXXX system. My contention of this is due to the fact that 1. ) They have provided no proof they have submitted an ACDV to the data furnisher XXXX to verify/update my account, and XXXX. ) Any disputes of this particular account through any of the other credit bureaus ( XXXX, XXXX, and XXXX ), have indicated that XXXX has NOT RESPONDED to the XXXX, leading to a deletion of the account. 
Therefore, pending proof of Experian 's XXXX record of disputing this account with the data furnisher, I content they have not verified my dispute with the data furnisher, for which they are required to do per the FCRA, and in turn significantly violating my consumer rights under the FCRA rights. Otherwise, due to no response from the data furnisher, this account should have ultimately been deleted. 

I can supply documentation for all of the above upon request.
Product: Credit reporting or other personal consumer reports

According to the FCRA they are in violation of 15USC1681e and 15USC1681eb.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  XXXX ) : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card or prepaid card

This is about account ending Double Cash ending XXXX. I received a letter in mail on XX/XX/2020 asking me to review suspicious transactions on my Citi Double Cash Mastercard ending XXXX. However, I do not remember my login information to Citi and can't review the transactions. I have also lost the card and without full account number customer service representatives won't help me over the phone. Please mail me a new card with updated account number.
Product: Credit card

Citibank 'bestbuy ' continues to send me notice of {$150.00} due.

I have never used 'citibank ' card after the purchase of XXXX XXXX ' at Bestbuy, XXXX, Idaho.

Please be advised, I have never used 'citibank ' card # XXXX XXXX XXXX XXXX after the purchase of said XXXX '. 
All use of this card after purchase of 'XXXX  ' at Bestbuy XXXX XXXX , ID. Is unauthorized fraud.

We are very grateful to CFPB for your help in clearing up this matter.

Citibank is welcome to call us at home, XXXX. If further details are needed. 
We live in XXXX, Oregon XXXX XXXX XXXX XXXX XXXX is a land line.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate and unfair item on my credit report regarding an account with Comenity Bank/Victoria . Based on my review of my credit report, the following inaccuracies require immediate correction : Charge-Off Reporting The account in question XXXX XXXX XXXX XXXX XXXX XXXX  was marked as charged-off in XX/XX/scrub>XXXX XXXX  with a balance of {$810.00} written off. However, my records indicate discrepancies regarding this reporting, and I believe this charge-off has been inaccurately reported. 
Credit Limit & Balance Discrepancy My credit report states that the credit limit for this account was {$500.00}, but the highest reported balance is {$810.00}. This discrepancy suggests either overcharging or misreporting of my account balance.

Account Status The account is marked as Closed, yet it continues to negatively impact my credit profile unfairly. The reporting appears inconsistent and misleading. 
Given these inaccuracies, I am requesting : A thorough investigation into this reporting. 
The removal or correction of the charge-off if it was inaccurately applied. 
A validation of the highest balance and credit limit to ensure accurate reporting. 

I have attached screenshots from my credit report as supporting evidence of these discrepancies. Under the Fair Credit Reporting Act ( FCRA ), I request that this matter be resolved promptly. 

Please provide me with a written response regarding the actions taken in this dispute. If this issue is not resolved fairly, I am prepared to escalate my complaint further. 

Thank you for your prompt attention to this matter. I look forward to your resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

Hi I am former employee of Caliber Home Loans my NMLS # XXXX I left the company on my own accord. I was and employee for over 5 years. I quit once and they still hired me back so I think I am and excellent employee as well as XXXX XXXX  I am writing to you today due overt discrimination by Caliber to XXXX XXXX XXXXXXXX. Caliber is violating Reg B or ECOA. I have expressed my feelings to management over the years and some underwriters were dropped of our team but never reprimanded in any kind of way. Please investigate the loans that were in process and approved but were later denied for one thing or another but the main problem was that these were XXXX XXXX XXXX please review all loans under my NNMLS XXXX that were denied. These borrowers were able to obtain financing thru other companies. Thank you in advance.
Product: Debt collection

Credence resource manage keep calling me from multiple numbers about a debt that I see on my credit report from XXXX XXXX in the amount of {$130.00}. I have no knowledge of this collection and would like for them to prove a contract with me if not I would like for this debt to be removed and for them to stop calling me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

USC 1681 Section 602a, states that I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 sec. 604a sec.2 : It also says a Consumer Reporting Agency can not furnish my account without my written instruction.

15 USC 1681 c, ( a ) ( 5 ) states : No Consumer Reporting Agency may make any Consumer Report containing any of the following items or information : Any other adverse item of information, other than records of convictions of crimes which antedates the Report by more than 7 years.

15 USC 1681c 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, credit repair services, or other personal consumer reports

Did not deal with the hard inquiries on my credit report I don't have knowledge of or recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. It 's been shown that their site to determine whether or not an individual has been impacted is randomly generated. So currently, since I am not able to properly enroll with the site for several more days, there is no actual way for me to know if my information was stolen.
Product: Credit reporting or other personal consumer reports

Several SCRA Federal acts have been violated. The time of having the card I was on a XXXX XXXX with the US Military. XXXX is reporting incorrect information to third party credit bureaus damaging my financial reputation.
Product: Credit card or prepaid card

Please see attached letter sent to TD Card Services on XXXX for matter details. This letter was sent through my attorney 's office, I have still not received a response from TD Bank. This account was NEVER activated, I NEVER received a card, NEVER received a bill and they are trying to rack up late fees for interest. They conveniently don't respond in an attempt to rack up late fees.
Product: Debt collection

I am showing on my credit report that an account was opened up on XX/XX/2018 for XXXX XXXX that I owe {$370.00}. I did not open any account on XX/XX/2018 and I need to have this removed from my credit report. I believe this is yet another account that may have been opened fraudulently due to identity theft because my information was expose in a data breach from XXXX.
Product: Debt collection

There's two collection agencies trying to collect XXXX bills on my mother. Her name is XXXX XXXX XXXX. But the collection agencies are contacting me. And I'm telling them that this is not my XXXX bill this is my mother 's XXXX bill. And that they need to stop calling me. But I keep getting phone calls and text messages and voicemails left on my cell phone from both companies.

1. Medicredit Incorporation : I have been receiving phone calls from this company ever since XXXXXXXX XXXX XXXX about this bill for my mother. This is not my medical bill it is for my mother and I've informed them to remove me from their calling list and also not to contact me. They've also sent letters in the mail for this bill and I informed them of the information and even sent them a copy of my mother Insurance cars all three of them front and back and her ID but I keep getting phone calls from these people. 

XXXX. XXXX : This company here calls me and the voice messages as well as text me and leave voice messages as well I've been receiving calls from them since XX/XX/XXXX the last message that they call me on was on XX/XX/XXXX I've been receiving text messages from them since XX/XX/XXXX when I received the phone call in XXXX I informed them to please stop calling me if not I will take the next step which is necessary in reference to having them stop calling me concerning this collection. But unfortunately they do not inform me of what this collection is for so I'm not sure if this is a debt of which it is I owe or if this is one that's for my mother. But I did ask them to stop calling me and they are still calling me and texting me the last one was XX/XX/XXXXXXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX- Account : XXXX .... 
Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years  should be removed from my report. Therefore, the following accounts should be removed : This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting or other personal consumer reports

I submitted numerous disputes with Experian on things on my credit report that have either been on my credit report for 5+ years or things that had incorrect information and every time I submitted the dispute less than 24 hours later, they act like the dispute was validated and they left it on my credit report. I have the proof as far as emails.
Product: Credit reporting or other personal consumer reports

RE : Discrepancy in Credit Report Listings XXXX ( Account # XXXX ) ( Account # XXXX ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( Account # XXXX ) ( Account # XXXX ), across the three major credit bureaus - XXXX, Equifax, and XXXX . My recent review of my credit reports revealed inconsistent information regarding the open date of this account. XXXX 's report shows an open date of XX/XX/year>, while Equifax reports the open date as XX/XX/year> and XXXX is reporting XX/XX/year> also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from XXXX, XXXX and Equifax, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. Sincerely, XXXX XXXX
Product: Debt collection

I am writing to formally dispute a fraudulent debt listed on my credit report, which has been reported by Portfolio Recovery Associates. I only became aware of this issue upon reviewing my credit report, as I did not receive any prior documentation from Portfolio Recovery Associates indicating that they intended to collect on this debt. 

It is my understanding that I should have been provided with initial information regarding the debt, including the opportunity to dispute its validity before it was reported to credit agencies. This lack of communication constitutes a violation of my rights. 

Should this matter escalate to legal proceedings, I would like to ensure that I have the necessary documentation prepared to address these violations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  Account Number XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit card

I no longer wanted my JCPenney account. I have been building my credit and doing very well. I paid my entire balance on my JCPenney card and it was XXXX balance owing. 
Approximately XXXX month goes by and Synchrony is charging me XXXX dollars as a fee to give me a balance of XXXX?? 
I believe they would try to charge me XXXX dollars a month to tell me I owe XXXX. I really do not like Synchrony. I think they are very crooked.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information present on my credit report. Upon reviewing my credit report, I have noticed that there is inaccurate late payment reporting on my credit report. It is imperative that this error is rectified as soon as possible, as it is adversely affecting my XXXX XXXX and may have repercussions on my financial standing.
Product: Credit reporting or other personal consumer reports

2 months on XX/XX/XXXX I had these same issues of fraud on my credit report. I sent letters and no response. I called about this and I cant even get a home Im in PROCESS with because of the fraud on my credit and all 3 Bureaus are impacting my family Due to the XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX  XXXX Data breaches been going on Im exposed and need Fair treatment.!!! Attached are the proof