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

Subject : Dispute Regarding XXXXXXXX XXXX  Account with Balance of {$1300.00} To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding the XXXXXXXX XXXX account with a reported balance of {$1300.00}. This account is incomplete and inaccurate, as the name of the original creditor is not included in the reporting. This omission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and relevant state laws. 

Issue at Hand : 1. Lack of Original Creditor Information : The FCRA ( 15 U.S.C. 1681g ( a ) ( 2 ) ) requires that a credit report clearly identify the original creditor associated with an account. The absence of this critical information deprives me of the ability to verify or dispute the legitimacy of the debt, and it compromises the accuracy and completeness of my credit file. 
2. Potential Violation of State Laws : Many state laws impose additional requirements on debt collectors and furnishers of credit information to provide transparent and complete details about any account they report. Failing to disclose the original creditor may also violate applicable state consumer protection statutes, further underscoring the inaccuracy of this accounts reporting. 
3. My Right to Accurate Reporting : Under the FCRA, credit bureaus and data furnishers are legally obligated to maintain maximum possible accuracy in credit reporting. The absence of an original creditors name makes it impossible for me to verify the debt or take appropriate action, and it reflects negligence in the reporting process. 

Requested Action : I respectfully request that you : 1. Investigate the accuracy and completeness of this accounts reporting in accordance with the FCRA and applicable state laws.

2. Either provide the name and full contact details of the original creditor for this account or remove the account entirely from my credit file. 
3. Provide written confirmation of the results of your investigation and the steps taken to address this dispute.

This letter serves as my formal dispute under the FCRA. Please respond with your findings and any supporting documentation used in the verification process within the timeframe prescribed by law.

Should this matter not be resolved in a timely and satisfactory manner, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office, and to pursue other legal remedies as necessary. 

Thank you for your prompt attention to this matter.
Product: Debt collection

This keeps coming up on my report and it is inaccurate info. This was for XXXX  and no money was owed. This company started harassing me, calling me early in the morning, late at night. It keeps showing up on my credit reports as late payments. Its first showed up over 7 years and now it is showing again as a 2 year negative account. 

It last was reported again in XX/XX/XXXX as a chargeoff.
Product: Mortgage

We are building a home and the builder offers design and or closing cost credits to use their 'preferred lender '. Although we were already pre approved with a different lender, it was enticing to us and seemed like a better option for our family to go forward and take advantage of the total of {$3000.00} of credits ( {$2000.00} from the builder and {$1000.00} from the lender according to the flyer ) on XX/XX/XXXX we applied for a loan with XXXX XXXX at Academy Mortgage. I had let him know that i wanted to see his fees to make sure that we weren't getting these credits just to then pay excessive fees for the loan with him. He continued to boast about his company, loan products and ability to get the job done. Weeks went by and we never received a loan estimate. On or about XX/XX/XXXX we officially went into contract with the builder on our home. We received an updated loan approval on XX/XX/XXXX from Academy Mortgage to move forward. Again we asked for fees to which we received nothing. After meeting with the builder and adding upgrades increasing our purchase price Academy Mortgage then provided another preapproval. I asked again for the fees ... nothing. In XXXX I learned about the laws requiring a lender to provide a loan estimate within 3 business days of application. Academy Mortgage is the exact reason why these laws are put into effect. XXXX has refused to provide us with a loan estimate, leaving us in the dark and leaving us to fear what we thought from the beginning. The credits to use him must have been a bait and switch. We asked for the fees on numerous occasion regardless of the fact that as a consumer we shouldn't need to ask at all. The law protects us from loan sharks just like this but sadly Academy Mortgage still is not willing to comply with the law to disclose via loan estimate within 3 days. We are now left with no other choice but to protect our family and our dream house and go with a different lender. Causing us to lose our credit from the builder but at least we are now provided with upfront disclosure from a trusted company.
Product: Credit card or prepaid card

Ive talked to your billing department and they can not help me process the remittance coupons that were sent to me by your company. I have sent in the remittance coupons according to the bills of exchange act and usc and ucc laws. They are not giving remedy and are trying to force me to double pay them. They have reported incorrect information regarding all of this and have damaged my ability to use my credit to support my family. They have defrauded me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two fraudulent medical bills on my credit report that do not belong to me! I have never been to either place for medical services. Please delete that following accounts : XXXX  # XXXX**** Bal {$4200.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX BAL {$1400.00}
Product: Checking or savings account

Citizens Bank will not allow me to access my accounts, either through their web site or through their app. I have NO ACCESS AT ALL to my money. Their systems only ever respond " this account is inaccessible/'unavailable ''. I am unable to login or perform any management of my accounts. THIS NOT A PASSWORD PROBLEM. It is NOT a technical problem on my end. I have been a XXXX XXXX for 30 years, and I know what I'm doing. I have spent hours and hours on the phone with their technical support. I have tried EVERY POSSIBLE WAY to make sure the problem is not on my end. Their support people have freely admitted that this is a well-known problem that is affecting many of their customers. They claim it is due to " updates '' they are doing to their systems, but refuse to give even a rough estimate of when the problem will be fixed. This has been happening for MONTHS. They are breaching their contract with me. This is critically affecting my finances, especially since one of the accounts is a large loan which I desperately need access to. I have worked endlessly with them to get this resolved, but they haven't, and show no signs of caring about the issue. Please do whatever yiu can to resolve this. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contact via email but never received a feedback
Product: Debt collection

spoke with XXXX XXXX at Valentine Law Offices. He has violated the FDCPA and stated that I can not consolidate my loans because he is going to submit me for garnishment which is falsifying information and a scare tactic to get me to pay him and do the rehabilitation program. He also did not state the mini Miranda on our phone call with a third party on the line. He is also way too aggressive to be handling my student loans and this agency does not deserve to service my loans. He needs to be reprimanded and sent back to training and I would like proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used without his consent to apply for several credit lines. While these application failed the process resulted in fraudulent inquiries into his credit reports. While reviewing an Experian credit report an inquiry was found with XXXX XXXX XX/XX/2018 that was an unauthorized transaction. An official dispute of this activity was mailed to XXXX XXXX to have this information removed. While a clearance letter dated XX/XX/2018 was received and confirmed the inquiry was going to be removed at a future date, a review of a credit report ordered XX/XX/2018 still lists the XXXX XXXX information be Experian. This is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

To whom it may concern, The late payment was issued in XXXX and was expected to be removed in XXXX. However, the credit bureau and the credit card company ( XXXX XXXX XXXXXXXX ) do not have an accurate removal date and did not furnish one after many requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, This account is over 7 years old / over the statute of limitations to be reported to the credit report and should be REMOVED / DELETED. 

This account is approximately from XXXX 2005. Diversified removed this from the credit report and then recently placed it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 provides important protections for consumers ' privacy rights.

604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681b ( a ) ( 2 ), states that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written consent for such disclosure.

Section 1666b of Title 15 of the United States Code prohibits creditors from treating a payment as late for any reason under an open-end consumer credit plan. 
My rights to privacy and consent have been violated.
Product: Debt collection

1st Hertiage Credit continually called me at work, when I repeatedly ask them not to contact me at work. They tried to serve me papers at work and when I wasn't there he made one of my employees call me and put me on speaker phone so she could hear everything that was going. He then wanted to know if he could leave the papers at work where all my emoyees could see. I told him no that he needed to delivery to my house. Which a week later he came to the hoiuse, i was not home, but my XXXX year old daughter was home and she said some man banged on the door for almost 30 minutes, to where he then venture around to the back of the house where my other daughter was located and gave her the papers. I had also just made 2 payments the month to get the account caught up.
Product: Credit card or prepaid card

I have automatic payments set up to pay XXXX to my credit card every month on the XXXX nd of the month, for the month of XXXX it did not automatically draft I called the credit card company and they said that I had canceled the payment, which I never did, I made the payment and the credit card company refunded the XXXX dollars for the payment, the next month I was charged XXXX dollars late payment because I allegedly was XXXX dollars short on my payment even though I had never paid more than a XXXX dollars minimum payment even with the card maxed out. To change someone XXXX dollars for an alleged XXXX dollars is downright criminal I dont think that happens even in XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the inclusion of certain accounts in my consumer report provided by your agency. These accounts should not be furnished on my consumer report, as they are in violation of 15 USC 1681b - Permissible Purpose of Consumer Reports, specifically under ( a ) ( 2 ), which states : " In accordance with the written instruction of the consumer to whom it relates. '' I have never provided any written consent to any consumer reporting agency, which violates my rights as a consumer. The absence of consent amounts to identity theft, and as a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX ( UNAUTHORIZED INQUIRES ) XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Unauthorized Addresses ) XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX In addition, I would like to draw your attention to 15 USC 1681c-2, which states : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been issued a reference number for this matter ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX {$500.00} ; XXXX XXXX XXXX XXXX XXXX  {$8700.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXX XXXX XXXX {$150.00}.
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 right to privacy and confidentiality under the 15 USC 1681. 
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 15 U.S.C 1681 602 A states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.V 1681c ( a ) ( 5 ) 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The credit bureaus have not done what the law says they should do under the Fair Credit Reporting Act ( FCRA ). They are supposed to remove incorrect or unverified accounts from my credit report. However, they have not corrected or removed the accounts I disputed even though I provided evidence. This has caused ongoing damage to my credit score. I am asking the credit bureaus to immediately remove or fix the disputed accounts, as their failure to do so violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

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 have given you my identification as well as the information requested from the list of acceptable items, which are only XXXX required Per the Law. I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Student loan

XXXX. XX/XX/XXXX I filed complaint with XXXX XXXX. 
XXXX. XX/XX/XXXX I received a letter of response from AidVantage I will quote We reviewed our records, and confirmed we can not remove the delinquency reported from XXXX and XX/XX/XXXX to the consumer reporting agencies. We sent multiple delinquency notices prior to this reporting. We have enclosed them for for your review. '' **Please Note that in the validation letter received though they mention enclosing multiple delinquenccy notices for my review. They provided no proof of debt, delinquency notices, information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong, an end date for a XXXX period when you can dispute the debt. They have failed to provide me with a copy of any viable evidence showing the account is being reported accurately and FAILED to do so in a timely and responsive manner and are in violation of federal regulations. 
XXXX. XX/XX/XXXX filed I complaint with the XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX I received the same letter they sent for the complaint from XXXX XXXX I will quote We reviewed our records, and confirmed we can not remove the delinquency reported from XXXX and XX/XX/XXXX to the consumer reporting agencies. We sent multiple delinquency notices prior to this reporting. We have enclosed them for for your review. '' XXXX. XX/XX/XXXX I filed a complaint with the Consumer Financial Protection Bureau again requesting the information. 
XXXX. XX/XX/XXXX I received the following response and the same letter from AidVantage. 
Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. We understand you are concerned with the credit reporting on your XXXX XXXX XXXX loans in XXXX and XX/XX/XXXX. We confirmed that we have previously responded to these concerns in a letter dated XX/XX/XXXX. We have attached this letter for your review. We apologize if you did not receive the attachments intended with the original response. The credit reporting is accurate and our stance has not changed. 

Please Note : That as of XX/XX/XXXX when I filed my first complaint until today. I have not reeived any proof of this XXXX day debt from AidVantage. They have said they would send it and have not enclosed it any correspondance. It has been more than XXXX days and this violates FCRA. In the absence of verifiable information about any late payments my record should be recorded as " paid as agreed ''
Product: Credit reporting, credit repair services, or other personal consumer reports

First I would like to comment My credit report states that I was late on XX/XX/2022 and XX/XX/2022. I was not late on either month in 2022. 

In XXXX I was injured and I required emergency XXXX on XX/XX/XXXX to repair a XXXX  in my stomach. I made a payment of {$330.00} on the XXXX of XXXX which was {$26.00} less than my actual payment of {$350.00}. I was unable to pay the full payment at the time because I was waiting for my short-term XXXX payments to come in the mail from California. I live in XXXX. They did not put the money in my account. Rather mailed a paper check to me every week. XXXX XXXX XXXX XXXX assessed me a {$17.00} late fee. I paid XXXX on XX/XX/XXXX including {$17.00} late fee along with the {$26.00} remaining payment for my XXXX payment. 

XXXX XXXX XXXX XXXX made an error. Instead of applying XXXX towards the late fee they assessed, they applied it toward interest paid. The {$25.00} was also applied towards interest paid. The credit report states that I am 30 days late {$26.00} in XXXX. I was not 30 days late. 

I was having difficulty with my recovery after the XXXX and in XXXX I made a phone call to let them know that I was having difficulty with my payment because the short-term XXXX insurance company was reinstating my XXXX for an additional XXXX weeks and again it was taking time to process and mail those checks from California. 

I called XXXX XXXX XXXX XXXX on the XXXX day of the cycle. I asked him if there was any opportunity to skip a payment. The representative put me on hold and he returned and said that since I was a good customer and because of my hardship they had a program for me. The representative told me he needed to make a recorded statement of why I needed to skip a payment. The representative put me on hold again. When he returned he told me that the program available for me was to take my XXXX payment splitted into XXXX payments over XXXX, XXXX and XXXX. My payment would go from {$350.00} to XXXX. And my new due date would be on the XXXX of each month for the next 3 months. I was told not to make a payment on the XXXX. After XX/XX/XXXX passed I was assessed a {$17.00} late fee. I made my payment on the XXXX of XXXX as I was told. Because I was a sister {$17.00} late fee. I was very afraid that I was going to be assess this fee every month for the next 3 months. 

XXXX XXXX XXXX XXXX agreed that my due date was XX/XX/XXXX but they charge me a late fee and marked me late anyway. I have always been a good customer and I could not believe that they were treating me like this. If they didn't have a program for me they shouldn't have offered it and if they weren't going to stick with what they promised, they shouldn't have offered it to me. 

I'm trying to purchase a home and this is the only thing on my credit report that is affecting my score and my ability to purchase a home. 
I am a 30 % service connected XXXX veteran.