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

They did not do a full research. They settled my dispute within 20 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inadvertently posted an incorrect mortgage payment. 

My husband made our regular payment to penny mac.

This mortgage pmt. was posted to penny mac XX/XX/2021 in the amount of {$1400.00} Unfortunately, the full payment due was {$1400.00} leaving the payment short {$19.00} I was made aware of this error on XX/XX/XXXX. 
This was a human error which I feel should be forgiven. 
I am devastated my 100 % payment history with all of my creditors is now 99 % costing me 70 points drop in credit score! I have reported my concerns to penny mac as well as XXXX XXXX the investigation result is verified as accurate. I am not satisfied with this result. 
The past due amount should reflect the amount that was past due which is {$19.00} not the full payment of XXXX " past due '' means past due. 
My credit report reads past due : XXXX, XXXX. 
My payment is XXXX XXXX and where do they get this amount from????? 
This is also incorrect. 
If they can't grant me one forgiveness I would like my report to adjusted correctly.

' PAST DUE XXXX ''. 
Thank you.
Product: Debt collection

I been disputing this account for years because its has over a dozen errors on the account on all three credit bureaus, none of the credit bureaus is consistent with neither of them, and I'm going to take legal action, & collect damages this company have done to me over the years. 

I will be attaching documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted three cases to the Consumer Financial Protection Bureau, regarding Trans Union repeatedly violated the FCRA 15 U.S.C. 1681i ( a ) ( 7 ). I have requested 8 separate times for Transunion to send me a valid method of verification bearing my signature for a disputed XXXX XXXX XXXX account. TransUnion has also failed to mark this account as disputed as federal law 15 U.S.C. 1681i ( c ) explains. They continue to violate federal law.

Here are the case numbers XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXl {$23000.00}. 60-89 dates late but have been on payment plan but being recorded like not receiving a payment. 

XXXX XXXX XXXX {$1300.00} evrything shipped to wrong address and services was not as advertised. 

XXXXXXXX XXXX XXXX {$750.00} should not be on my credit i have been waiting to understand why i have this on my credit. 

XXXX. {$340.00}. The payment was mailed off over a year ago. 
all hard inquiries. have not given premission to share my information.
Product: Credit reporting or other personal consumer reports

I have been dealing with unauthorized use of my personal information, which has resulted in fraudulent inquiries on my credit report from unknown companies. 

These are the unauthorized inaccurate and fraudulent information 's on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never owned a XXXX XXXX credit card or bank account. i have applied numerous times including recently and have gotten denied each time. the problem is that a XXXX  XXXX credit card account is being reported by XXXX  XXXX, lexis nexis, XXXX and XXXX. i have disputed numerous times and they keep sending electronic responses stating that it is verified accurate information. even though i have requested an original application, signature or proof that the account is mine as described in the FCRA. as of now i have not been furnished with this request. i have been disputing this for years and am being denied credit because this account shows as a delinquency and charged off.they only stated it was verified which was not my request. i have called XXXX  XXXX numerous times to dispute they refuse stating its a verified debt.i requested my information and original application they stated the account was too old
Product: Credit card or prepaid card

I made a XXXX transaction, paying someone, and XXXX informed me of a 3 % transaction fee for using my credit card on XX/XX/2020. I do not dispute that charge for a total of {$250.00}. 
However - unknown to me - Citi Cards considers XXXX transactions to be a Cash Advance. In addition they charge interest on Cash Advances " that are not paid immediately '' even when the consumer does not know they existed. 
As I just learned today, XX/XX/XXXX, on XX/XX/XXXX Citi posted a Cash Advance fee of {$12.00} as a percent of the XXXX transaction, and IN ADDITION, interest at a usorious rate of {$0.00} also posted on XX/XX/XXXX because ( per my phone call with their rep ) I had " not immediately paid the cash advance ''. 
I note further, that my Citi credit card bill was paid up in full prior to the current month. 
I called Citi today and they said " that is a known issue with XXXX ''. However Citi refuses to remove these charges. 
Furthermore, I have a concern that they will report my " getting a cash advance '' ( no cash was ever involved ) and that this has adverse implications for my credit score.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Demand for Removal of Outdated and Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to demand the immediate removal of several items from my credit report that are both inaccurate and beyond the statute of limitations. It has come to my attention that despite being time-barred, the following accounts continue to be reported on my credit file : XXXX XXXX {$9400.00} Balance updated XX/XX/XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$1200.00} Balance updated XX/XX/XXXX XXXX Balance {$2200.00} Balance updated XXXX XXXX, XXXXXXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$510.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$680.00} Balance updated XX/XX/XXXX XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX Balance {$2900.00} Balance updated XX/XX/XXXX These debts have exceeded the legally enforceable time frame for collections, and their inclusion on my credit report is not only misleading but also violates my rights under the Fair Credit Reporting Act ( FCRA ). I expect your agency to adhere to the precedent set by the court cases : XXXX v. XXXX. XXXX, XXXX ( XXXX ) : This case involved the removal of time-barred debts from a consumer 's credit report. The court held that attempting to collect or report time-barred debts violates the FDCPA, and consumers have the right to dispute and have such debts removed from their credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : In this case, the court ruled that debt XXXX must accurately report the status of debts on a consumer 's credit report. If a debt is disputed and found to be inaccurate or time-barred, it must be removed from the credit report in accordance with the FDCPA. 



In light of the court ruling mentioned above, failure to promptly remove these items from my credit report will compel me to pursue all available legal remedies against your agency for non-compliance with federal regulations and court decisions. 



I insist on a thorough investigation into these matters and the immediate removal of the aforementioned items from my credit report. Additionally, I request a written confirmation detailing the actions taken to resolve this dispute and the updated status of my credit report. 



Your cooperation in rectifying this urgent matter is not only expected but legally mandated. Any further delay or negligence will result in legal action being pursued against your agency. 



Thank you for your immediate attention to this matter
Product: Bank account or service

companies refused to close bank accounts for three months or more after repeated requests and repeated XXXX balances. sometimes these banks claim pending acount activity when there is none.They refuse to cease all auto drafts of said accounts.This really needs be reported to ftc. They dont want the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been dealing with the credit reporting agencies since last year. We been asking them to provide information how they get our public information about our public records. They keep coming back with XXXX XXXX XXXX XXXX. But I thought if you have items included in the bankruptcy they should remove the items from the credit report. I even received a letter from the court system stating they don't report this kind of information. I have medical bills that was updated that was included in the bankruptcy. We have a lot of things on our credit report dated after the bankruptcy date of XX/XX/XXXX. They keep asking us to provide proof but what good as that if you keep giving them the information and they giving us the same response. Then if you filed a chapter XXXX bankruptcy XX/XX/XXXX if should have a date of 90 days to process right? But the complete discharge date is XX/XX/XXXX. This information is also on my husband 's credit report too. This is stopping us from going on with our lives. So we decide to turn to your company for help.
Product: Checking or savings account

Hello, I have a Chase bank account with XXXX $ that I can not use because they froze my account for suspicious activity ( I sent a payment to a friend and they froze it ) I called and verified my identity multiple times and they would just tell me theres an error unlocking the account and had to call again. Then they tell me I have to go into a branch to verify myself when I told them I no longer live in XXXX!! Their response is : Once you get back in the country you can solve the issue. Im not coming back anytime soon!! I want them to unlock my account so I can withdraw my money and close my account with them, theyre not helping, please I need a solution
Product: Credit reporting or other personal consumer reports

Court does not have the right to put bankruptcy in credit reportreported by a third party
Product: Debt collection

XXXX XXXX XXXX, has resold the same debt that I 've issued complaints to CFPB previously regarding. XXXX is not being represented by CCI Contract Callers, Inc XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( XXXX ) XXXX. XXXX has NEVER provided a verification of Debt for this attempted, and repeated collection of alleged debt. XXXX funding, nor CCI has ever provided verification of originating debt. No signature cards have been provided and CCI, XXXX funding have now submitted this erroneous collection to the Credit Reporting Agencies. I 'm asking CFPB to investigate XXXX Funding and CCI for false collection practices. XXXX has been attempting to collect this debt since 2002 and has NEVER provided a Verification of Debt pertaining to their alleged debt collection. XXXX funding is committing fraud by reporting fraudulent debt to my credit reporting agencies and has caused me to be denied for credit because of this adverse and erroneous collection attempt. XXXX needs to provide the ORIGINAL VERIFICATION OF DEBT from whatever organization they received this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled up my credit Report from XXXX and discovered this account that I truly believe was opened fraudulently. I have sent to XXXX several dispute letters several times. XXXX has refused to do fair investigation to this matter. 
In accordance with the Fair Credit Reporting act. The List of account XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy a. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 
Therefore, my position is being clearly stated, this account do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect account.
Product: Debt collection

This  XXXX   XXXX   XXXX  placed an abstract of judgement on my property located at  XXXX   XXXX   XXXX   XXXX   XXXX  California  XXXX  fraudulently trying to steal money from me. I never dealt with this LLC or owe any money to them. My name is  XXXX   XXXX  not  XXXX   XXXX .
Product: Checking or savings account

I received an email by US bank on XX/XX/XXXX that if I open a checking account and set up direct deposit by XX/XX/XXXX, I 'll get {$200.00} bonus. I completed all the required conditions. However I still have n't received the {$200.00} bonus. I tried to contact US bank multiple times in the last 4 months but still no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian claims to have verified 2 inaccurate XXXX XXXX XXXX accounts on my report however whom did they speak with to verify the accounts? Last I checked utility companies dont report to the bureaus as they dont extend credit
Product: Credit reporting or other personal consumer reports

XXXX sent me an emails regarding the debt on XX/XX/XXXX, XXXX XXXX and the XXXX. On XX/XX/XXXX, I responded with a debt validation letter requesting the following information ; name and address of the original creditor, the amount of the debt, how it was calculated, proof that they have the legal right to collect this debt and proof that I am legally responsible for this debt. In the same letter, I wrote, until you provide me with this information, I expect all collection activity to cease and desist as per 15U.S.C.1692GC. If you can not or do not intend to provide this validation, please inform me in writing so I may take appropriate action to protect my rights. Then I sent a letter on XX/XX/XXXX stating I requested verification of the alleged debt under my rights and that I am within my rights of a verification request. I requested a copy of a signed contract, which I did not get. I requested that they ceased and assisted all at collection activity, including credit reporting, which they did not. I requested that they delete any and all reporting made to any consumer credit reporting agency, they did not. They have clearly failed to address my very specific legal request and are clear and clear violation under the FDCPA, they failed to obtain and send verification to the alleged debt by not mailing me a contract instead of sending me a signed contract or an agreement signed by all parties involved as requested they mailed me a bill a bill is not a contract or agreement and are nonresponsive to my verification request Second, they failed to cease and assist and delete my credit reporting of the dispute alleged debt is false, deceptive and misleading representation or means in connection with the collection of the debt to communicate to any person due to the previously stated they have caused me and my family, additional stress, frustration, credit damage and costs, I also asked them to formally served process. You may resolve my FDCPA claims by doing the following synthesis collections delete all of my credit reporting and tender me {$1000.00} made payable under my name and that they had 14 days of receipt of this letter in return sent me another bill XX/XX/2024! 


United Global sent an email on XX/XX/XXXX about this alleged debt. I sent a debt validation letter on XX/XX/2024 stating the fair deck collection practice act grant me the right to request validation of this debt and I am exercising that right in pursuant to 15 US C 1692G and I requested the name and address of the creditor, amount of debt and how it was collected, what the debt was for proof that they have legal right to the collection of this debt and proof that I am the party legally responsible for this debt. I also stated that until they Provide me with this information I expect all collection activity to cease and desist per 15 USC 16 2GC if they could not provide nor intend to provide this validation, please inform me in writing so I may take appropriate action to protect my rights! On XX/XX/XXXX, I received a phone call from unified global which violates my cease-and-desist!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my lender that I was not approved for a home equity loan due to some derogatory itmes listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Pleae remove the items as soon as possible. XXXX XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX 11XXXX {$530.00} XXXX   XXXX {$2300.00} XXXX  XXXX {$7700.00} XXXX XXXX XXXX {$10000.00} XXXX XXXXXXXX {$4200.00} XXXX   XXXX {$250.00} XXXX XXXX {$550.00} XXXX XXXX XXXX {$2600.00} XXXX XXXXXXXX {$4000.00} XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX   XXXX {$1000.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$950.00} XXXX XXXX  XXXX {$800.00} XXXX  XXXX {$4200.00} XXXX XXXX {$4000.00}
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. 

XXXX  # XXXX, XXXX # XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 an 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, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a 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.
Product: Debt collection

in 2018 XXXX  was cancelled ... claim by XXXX XXXX upgrade charge was due because early termination charge was due ... no update ever and no agreed charge ever took place .had the same box and service for more then 4 years contact with dish and they had no justification of charge for update which they told me they did not even want the box it was outdated and just recycle it gc services must of purchased closed misinformed account and are in a uninformed real transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect addresses and names on my credit report with Experian multiple times.

Currently Experian is reporting multiple addresses for me that do NOT belong to me. I have no accounts on my credit file linking to any of these reported addresses. I have supplied my ID multiple times and they still refuse to correct the issue.

My credit report is reporting 2 addresses for me : 1. XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX these addresses DO NOT BELONG TO ME. I should only have 1 address reporting and thats XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$4600.00} XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was informed that someone fraudulently attempted to open an account under my name with XXXX XXXX. Fortunately, the account was not opened, however I wished to have the fraudulent inquiry removed from my report with Experian. The letter I received from the bank provided a number to contact with Experian to have the information removed. I have spent the past 2 hours attempting to get a live person on the phone, always ending in the same dead end on the phone tree with no help/options for this issue. When I attempted to dispute online, through the credit bureaus website, I was ultimately provided with a phone number to call to lodge my dispute. When I call that number, it ultimately leads me to the same dead end. This leaves me with zero recourse for the dispute.