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

I've disputed the late payments listed for XXXX XXXX XXXX below with both creditor and bureaus and haven't received any validation, no updates on how the information was validated, a fulfilled request of a written statement to furnish any of my private information via any instrument or means of communication.

I am writing to request the removal of five late payments that have been reported on my credit report for the account referenced above for XXXX ( XXXX XXXX XXXX XXXX ). After carefully reviewing the applicable federal laws, I believe these late payments should be reconsidered for removal in accordance with the following provisions : 15 USC 1666b This section outlines specific protections for consumers regarding the timing of payments and the crediting of payments to their accounts.

15 USC 1637 ( b ) This statute governs the disclosures creditors must provide, which includes accurate and timely information about account status and balances.

15 USC 1681s-2 This statute requires creditors to report accurate information to credit reporting agencies and to correct any information that is found to be inaccurate or outdated.

15 USC 1681i This section provides consumers the right to dispute information on their credit reports and mandates prompt investigation of disputes by credit reporting agencies.

Given these provisions, I respectfully request the immediate removal of the five late payments from my credit report. I have always strived to maintain a good relationship with your company, and I hope we can work together to correct these issues. I believe this adjustment will accurately reflect the status of my account and ensure that my credit report is free from any inaccuracies. 

I would appreciate your prompt attention to this matter and would like to thank you in advance for your cooperation. Please feel free to contact me if you need any additional information to process this request.
Product: Debt collection

XX/XX/2012 I was in an accident which required me to have stitches, prior to being admitted I provided my Medical Insurance that I had with the state. I was told that everything should be covered by my insurance. The nurse glued the wound shut and discharged me within hours. 

I've tried to communicate with Grant & Weber since I saw this on my report and have been unsuccessful. I've contacted them 13 times over the last two years to have this taken care of, but Grant & Weber has been unresponsive.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX XXXX XXXX since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXX  Massachusetts ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Credit reporting or other personal consumer reports

I enter my name an seen it was in the database breach
Product: Credit reporting, credit repair services, or other personal consumer reports

When I paid off ( Never late nor missed a payment ) closed this account on XX/XX/2021, I was told it would not affect my credit score which I had worked hard to achieve at XXXX, then after I checked my credit score with XXXX  Credit I saw that the company Synchrony Bank/Care Credit had noted that they the ( Grantor ) had closed my account and added that to my credit report, Which is " Untrue '' as I had requested my account be closed due to non use of their credit services, I feel this is a direct slap in my face being penalised for requesting this. Now how many other people have had this company do this to them without an explanation of reason ... 
So I will not delete this concern until this is resolved .... 
Now my credit score has dropped over XXXX as a result of Synchrony Banks " Misstatement '' of the facts and I want this corrected and an apology from this company ... Or reinstate my account with the original credit line.
Product: Mortgage

My wife and I contracted the XXXX XXXX in early XXXX my wife unfortunately XXXX XXXX XXXX. I was XXXX for XXXX XXXX and once I recovered I contacted Shellpoint Mortgage Company to let them know that I wanted to apply for forbearance due to hardship. My wife and I were on social security so I no longer have her income to help with the mortgage. I spoke with a XXXX XXXX at Shellpoint who was to submit a forbearance request for XXXX months XXXX, XXXX, and XXXX. I also discussed the options I wanted to know I had if I chosed to give up the property. The said he was gon na submit the forbearance paperwork and email me information re the different option available to me if I chosed to sell the property. He was to have an appraisal done on the property weeks ago and scheduled a call with me on XX/XX/2020 @ XXXX. I have not heard anything back from the Shellpoint Rep XXXX XXXX, he doesn't respond to emails on left voicemail messages. I have spoken to other Reps who basically give me the same run around as XXXX XXXX XXXX. has. There customer service is the worse I have ever experience in my life the unprofessionalism is otherworldly.
Product: Debt collection

Regarding the accounts mentioned below, I would like to bring to your attention that it is being reported as a late payment accounts, I kindly request you to provide proof of the accounts being late and delete the negative payment status on this account. I understand that errors can occur, but incorrect details on my credit report can significantly impact my ability to own a home and have a negative impact on my credit score. I expect an updated credit report reflecting these changes within XXXXhirty ( 30 ) days. XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to express concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle a number of times, and touring discrepancies, my financial institution and Zelle failed to investigate properly. I was informed that recovering lost funds was impossible and that they were unable to track the transactions. The CFPB 's findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Arstrat collection company repeatedly calls me 2 and 3 times a day 3-4 times a week. 

I have already set up and account and make payments to the company and even when I pay monthly or bi-weekly they still continue to call repeatedly multiple times a day. Its harassment. The calls and voicemails have been going on for months but I have all the voicemails showing how often they are calling on my phone log
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mortgage being reported from 2005 on my credit from multiple lending companies. One is from XXXXXXXX XXXX XXXX, and the other is XXXX XXXX XXXX XXXX. I have never bought a home and need all mortgage related loans removed from my credit. The amount on these loans is {$160000.00}. It shows the loans were transfered but it is not mine. I would have been XXXX XXXX XXXX in 2005 and it's impossible the information is mine.
Product: Mortgage

LoanCare applied the mortgage payment for the month of XXXX and XX/XX/2018 to the wrong loan # and filed a late payment report with the credit agencies causing my credit to drop substantially. 

I contacted LoanCare and addressed the situation by providing the requested documents ( proof of payment with a bank letterhead showing the debit on the bank as well as the transaction numbers for confirmation ). 

I have contacted LoanCare multiple times ( Emailed 3 times to follow up, called 3 times ) and they have not applied the payments for XXXX and XX/XX/2018 to loan. 

During the most recent phone call, I was specifically told that my situation is being elevated to a supervisor and I would be contacted via a phone call in a couple of hours. It has officially been a week and I have yet to receive any correspondence. 

This company has made this mistake two separate times now ( promising contact for a resolution and not following up ) and have been completely unprofessional. I recommend you avoid them if possible.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft due to the Equifax data breach. I have spent ample time disputing & I have informed Equifax several times of accounts that do not belong to me. This has severely impacted my credit and my ability to live. FCRA states if theyre unable to prove the validity of ownership they have to remove them In addition Equifax hasnt removed any of the accounts I asked nor have they shown proof that these accounts that are negatively reporting belong to me. This is against FCRA regulations.

15 USC1681 is being violated I filed a claim before the deadline in 2019 and I didnt receive a settlement as of yet or receive any correspondence after settlement concluded
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of   XXXX  , I became separated from my wife. She returned to the household without permission in  XXXX  and my daughter and I moved out in  XXXX . I had to change account information in order to protect myself from her paying off her credit cards on her own account. So used checking account to pay off Mortgage Payment in  XXXX  and  XXXX . The letters were sent out and postmarked before the end of the month, but  XXXX  marked them as 30 days late because their processing was a few days after the end of the month.      XXXX  has processed loans later than the beginning of the month but has never reported me as late. They have responded with form letters and sent me a list of dates when my loans were processed which included payments posted after 30 days which they received within the 30 day window. I have requested info but so far I can only access the last 12 months. I have request the date received on these payments and they can not supply them. They do n't know when they got these checks so how can they penalize me and ruin my credit arbitrarily.     I have included the  XXXX  payment that was accepted on the  XXXX  and not marked late. I have included my letter to  XXXX .   When I did an adjustment to my mortgage they told me that they could n't consider it until I was at least 60 days behind and then they processed the adjustment internally and did n't defer the   three moths payments and caused derogatory credit marks that my relationship manager failed to disclose would carry over after workout period.
My daughter 's medical issue  s and impending divorce are problems compounding their arbitrarily trashing my credit report and I am grateful for your intercessation and available at  XXXX  to discuss.       Thanks for your help,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I just received my credit report for XXXX and TransUnion, and they told me one of my XXXX XXXX loan accounts are not being reported by the bureaus.
Product: Checking or savings account

I am the XXXX of other country and non-resident XXXX  of U.S. 
I opened saving account for XXXX, but they refused to recieve Form W-8 BEN, which is required for avoiding us from being imposed double taxation and should be repoted to IRS. 
For this reason, they don't give us motivation keep the account after making initial set up of the new account. 
Moreover, my wife has a deplomatic visa and it should not be required to have SSN for her credit certificate. But XXXX refused to create the joint account with her for her not having SSN.
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Transunion Customer Service , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts appearing on my credit report due to identity theft stemming from the XXXX  data breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX ( XXXX XXXX  ) - XXXX Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the XXXX data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Transunion to take immediate action to rectify the harm caused by this breach.

I demand written confirmation that these fraudulent accounts have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Transunion to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : ID FTC Social Security Card Utility Bill
Product: Credit card or prepaid card

I have been a longtime customer of XXXX. I made sure on my shipping details that I said : put package behind brown gate on stoop. I received two items ok, but the third, which I really wanted, was missing. It was supposed to be delivered yesterday. Yesterday morning tracking information read, there is a problem. The problem was that the driver left my package off his truck. Later in the day it showed he delivered this package with my two cd 's at XXXX XXXX. Upon checking behind my gate, there were no packages. I called XXXX customer service and they said maybe he delivered it behind another gate. I said how could that be!! My address is written clearly on the front of the building and mine is the only brown gate there. I asked to speak to a Supervisor. A woman named XXXX who said she was head of Logistics got on the phone. She was rude and condescending to me. She kept saying this package was delivered and I said where? I don't have it. She said I can't help you. You will have to call back after XXXX XXXX. I might be able to issue a refund. I said, I DO NOT WANT A REFUND. I WANT MY PACKAGE. She repeated this at least six times to me and I responded the same way. She said maybe it was stolen. I  said that makes no sense because my gate is locked. She kept coming up with excuses instead of contacting the driver to find out what he did.I have never dealt with such an arrogant person as this at XXXX before. I have an XXXX and XXXX XXXX XXXX. I made sure I took care of customers. I told her I was reporting her to various agencies. She didn't care. I even reported this to XXXX customer service and got no where. If this is the way I will be treated going forward, I will refrain from doing business here. I Never in my life had someone like XXXX tell me to go looking in the bushes. What bushes??? The neighbor 's bushes??? Is she crazy. Maybe I should go to the media with this. I am outraged with this person and the whole situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Experian  and XXXX and XXXX XXXX XXXX continue to report an account that should have been removed from my credit report. The scheduled deletion date was back in XXXX of 2018. It still continues to report to all 3 credit bureaus. The date opened for this account was back in 2005. This is a major violation that needs to be removed from my reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and register a complaint regarding the repeated inclusion of inaccurate addresses and collections on my credit report. These inaccuracies have caused me significant distress and have adversely affected my creditworthiness. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have identified several instances where incorrect addresses have been associated with my credit report, as well as collections that I believe have been inaccurately reported. These discrepancies have not only been a source of frustration but have also hindered my ability to access credit and secure favorable financial terms. 

I would like to emphasize that I have never resided at the addresses in question, nor do I have any knowledge of the collections listed on my credit report. These inaccuracies are causing unwarranted harm to my creditworthiness, and I am committed to ensuring that my credit report accurately reflects my financial history. 

I kindly request that you conduct a thorough investigation into these discrepancies as required by the Fair Credit Reporting Act ( FCRA ). Specifically, I request that you : Verify the accuracy of the addresses listed on my credit report and promptly remove any addresses that are not associated with me. 
Investigate the collections listed on my credit report and verify their legitimacy. If any of these collections are found to be inaccurately reported or not mine, please remove them immediately. I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to correct these inaccuracies. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me. Please assist me to delete these following inaccurate addresses and collection XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I bought a {$120.00} google XXXX  gift card from XXXX a week ago, and when i tried to redeem it, was told that google needs more info before redeeming the card. I contacted support, filled out the form and whatnot, but was told that the team found inconsistencies with my account. Now when I contact them, they tell me that they will escalate the case, but every time, I get the same answer that there are some inconsistencies. I know for a fact that there is nothing wrong with my account or the card. I gave google all the info they need, from pictures of the card, to pictures of the receipt, and their specialist team and support is still giving me the same exact answer. I'm not sure if I can get a refund from XXXX, and I am not really sure what to do, so I'm hoping that you guys can help me be able to use my XXXX XXXX gift card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXXBalance XXXX {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$810.00} XXXX XXXX XXXXXXXX Balance : {$590.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXXXXXX XXXX
Product: Checking or savings account

I opened a checking and savings account with CITI BANK and completed all the necessary requirements to receive the incentive offered by the bank. After completing all the requirements ( ATTACHED ) and verifying that I have completed all the requirements every step of the way, CITI BANK still has FAILED to credit my account. 


Representative XXXX on XX/XX/2018 explicitly stated " Therefore you should be expecting the bonus no later than XX/XX/2018. '' ( ATTACHED ) Representative XXXX on XX/XX/XXXX at XXXX XXXX stated " After this please allow 90 calendar days for the promotion bonus to be credited. Which will be on XX/XX/18. '' ( ATTACHED )
Product: Debt collection

Hi, I just ( XX/XX/2021 ) get this suspicious mail from Transworld Systems INC. With a claim that I owe a debt. Details as follow : File number : XXXX Invoice # : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX The debt amount is {$360.00} The address on the envelope was wrong ( wrong ZIP and State ) I do not recognize this debt and believe that is a fraud. I send a registered mail to the company with a request for additional information. Please advise what to do next. 

Thanks,