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

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

KIKOFF LENDING LLC Account type - Charge Account Date opened - XXXX XXXX, 2021 Address XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Above Account created under KIKOFF LENDING LLC without my consent. It does not belong to me and should be deleted and removed from all XXXX credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent dispute letters to Experian, XXXX, and XXXX disputing an inaccurate information regarding a bankruptcy on my consumer report. Experian, XXXX, and XXXX have neglected to report that bankruptcy that is on my consumer report has been disputed. That is a violation of 15 USC 1692e ( 8 ). It must be reported that an account or an entry on a consumer report be marked disputed when a consumer has disputed it. Failure to do so can result in litigation or arbitration. I have previously disputed this entry as inaccurate on my consumer report. Since this account/entry has been disputed Experian, XXXX, and XXXX have failed to comply with the requirements of 15 USC 1692e ( 8 ). 
Also, Experian, XXXX and XXXX have no permissible purpose to share bankruptcy information in its entirety with my name, social security number and other identifiers. That is a violation of 15 USC 1681 ( b ). I have never given my written consent or permission to furnish information not given to them by me or the United States Bankruptcy court ( please see attachment ). I completely intend to file suit in small claims court.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights.

Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX THE XXXX XXXX XXXX OF # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

Ive asked multiple times via phone calls for them to send me in writing a debt validation letter multiple times. Ive also disputed this with XXXX due to inaccuracies and it keeps coming back valid.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission and also filed a Police Report on my local police department. Additionally, I have reached out to the bank associated with the fraudulent account. 

XXXX XXXX XXXX XXXX 

I am not playing games I genuinely believe I am a victim of identity theft. I have provided you with all the evidence like my FTC report and you are suggesting that I made a mistake or lied? Seriously? I need you to reconsider and ensure accuracy this time. Other credit bureaus like XXXX and XXXX have already removed the account from their records due to the inaccuracy of the account, and Im wondering why youre still reporting this account?

If you need more information, please ask directly. Do not hide behind complex language and confusing explanations. I want this resolved quickly, and I mean immediately. If you still refuse to listen, at the very least, honor my request and add the statement of continued dispute to my credit report, as I requested. I refuse to give up, and I expect you to step up and correct the mess you've made of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has responded that the accounts in question have come in VERIFIED. They need to follow an E-OSCAR method of validation. Then it goes through a Metro2 code. That code is generated and sent to the creditor or debt collector. The letter goes to the credit beaurues, E-OSCAR, then the creditor or debt collector. ACDV ( Automated Credit Disputed Verified ). The credit or debt collector must respond to the letter. It is saying that it is VERIFIED or updated. 

My certified letter # XXXX was sent XX/XX/2023. The certified letter was accepted by Equifax regarding the dispute. It takes 30 days to process the information and respond. They have responded that the accounts are indeed VERIFIED. That means that they have manually checked the account information as valid and there are NO discrepencies in the reporting on my report. That means it is 100 % accurate. 

The accounts in question are : XXXX. ) XXXX : XXXX XXXX  XXXX XXXX  XXXX XXXX {$610.00} ; XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$610.00} ; XXXX. ) XXXX XXXX XXXX  {$2800.00} ( balance ) ; XXXX ) XXXX XXXX XXXX  {$1700.00} ; XXXX. ) XXXX XXXX {$1200.00} ; XXXX. ) XXXX XXXX {$770.00} ; XXXX. ) XXXX XXXX XXXX XXXX {$300.00} ; XXXX. ) XXXX XXXX XXXX {$16000.00} ; XXXX. ) XXXX XXXX. 

It must I have proof that the investigation was not accurate. In Equifax 's investigation, they have claimed that the accounts are VERIFIED and belong to me. That means that they have reviewed ALL of my information and are claiming that it is mine. According to the law, they are in violation of FCRA. The addresses on my credit report do NOT match up with the accounts in question. The accounts that I am disputing also are NOT reporting correct accounts, dates opened, last reported, and type of reporting. Legally, the accounts MUST be deleted. 

Equifax has been posting false information in there data breach settlement ( attached ). They have been publishing false information about consumers which has led them to be sued by customers such as myself. If they accounts are NOT deleted from my credit report, I will be suing Equifax for violating the FCRA rules and regulations of publishing false information about consumers reporting information. This makes sense as they are doing it to me. This will be my last dispute before litigation against Equifax. 

I have attached a copy of my current credit report highlighting the inaccuracies of the above forementioned accounts that MUST be deleted off my credit report. If they are NOT then I will be suing Equifax. I have also attached the data breach settlement from Equifax and there lawsuit. I have attached FCRA rules and regulations that Equifax and the other credit bureaus MUST follow and they are clearly violating. I have also attached a copy of my driver 's license which shows that the information that is reporting is in VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

The selections given for this dispute were not given, as there are many things going on with these agencies, none of these three agencies up hold the Federal Fair Credit Reporting Act, all disputes are ignored and they consider changing dates, or addresses, or names validating a debt!!! First of all why arent we asking to show original documentation of the debts by the original companies and the contracts that any such debt exist? That's validating a debt, instead they send information to help these fraudulent collections to remain on my credit report and holding my FICO scores down with there fraudulent activity!! None of these agencies have contacted me in writing, none of these agencies have called me, none of these agencies have validated that I owe any such debts!! I have one collection agency trying to collect a debt for XXXX, and right next to to that is my outstanding credit with XXXX which is an active account and all of the credit bureaus just play XXXX like they dont know how to investigate that!!, XXXX refuses to allow me to do anything because they are so outdated with information it's ridiculous. All the address they have belong to my family and dont show very many of mine!! My daughters address they are showing as my current address and they refuse to change it!! THIS NEEDS TO STOP RIGHT NOW!!
Product: Credit reporting, credit repair services, 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 orivacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions. 
15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following item 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 1681 s-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: Mortgage

XX/XX/2015, XXXX XXXX Mortgage sold the mortgage on my home at XXXX XXXX XXXX XXXX to PNC Bank. At the time I was on automatic withdrawal with XXXX. PNC Bank did not assume the automatic payment method, nor did it send me any paperwork to make changes. However, XX/XX/XXXX I received a statement in the mail which said I was overdue for my XX/XX/XXXX Payment. I immediately called PNC Bank Customer Service, made arrangements for an EFT transfer of funds for XX/XX/XXXX and XX/XX/XXXX payments, and set up automatic transfers on the XXXX of the month for the remainder of the loan beginning XX/XX/2015. The timetable for the two loan payments was 39 days late as of that date ( XX/XX/2015 ). PNC Bank did not make the transfer until XX/XX/XXXX, 34 days after I authorized it. They then turned in a credit report of default of 73 days to the credit agencies on both my wife and me. Additionally, they did not take out the XX/XX/XXXX Payment until XX/XX/XXXX, making me another late payment again. When I set up the first XXXX XXXX XXXX, the person who arranged this assured me and my wife, who was listening on speaker, assured me we would not be penalized with a bad credit report. However, in applying for another mortgage recently ( we are moving ), I was informed by my mortgage broker we were told we had a bad report from PNC Bank, despite our assurances to the contrary. In calling their Consumer Service line, they told me it was my fault and they could n't do anything about it. I have all necessary documents including the fax with instructions and its log, the EFT authorization for the accounts remaining payments, and the bank statement which shows the delay from my instructions and the bank withdrawal ( XX/XX/XXXX and XX/XX/XXXX ). I believe the poor service from the bank and their lack of timeliness in the withdrawals should exempt me and my wife from any penalizing credit reports from PNC. Also, the operator I spoke to today said there was no one else I could talk to when I requested to speak to a manager, and would have to submit my request in writing to an office in XXXX, Ohio. Really?
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX  credit report on XX/XX/XXXX after the sale of my home on XX/XX/XXXX to ensure my mortgage company XXXX XXXX XXXX XXXX XXXX XXXX reported the loan payoff and final payment activity correctly. My credit report showed that XXXX added a delinquent status in XX/XX/XXXX indicating a late payment of over 60 days old and a negative payment status of Legally Paid In Full for Less Than The Full Balance. These are both errors as I made all my mortgage payments to them on time and they received the full payoff for my loan after closing. I confirmed with my closing attorney XXXX XXXX   XXXX  that XXXX  received full payment. 

On XX/XX/XXXX I sent XXXX  a formal letter requesting they correct their errors on my credit report along with my XX/XX/XXXX credit report, closing disclosure from XXXX XXXX XXXX and a copy of my XXXX  billing statement. 

On XX/XX/XXXX I received a response from XXXX  stating that they would not correct their errors on my credit report. The correspondence included a summary of my mortgage activity from THEIR OWN SYSTEMS proving that I made all payments on time, that they had in fact received the full payoff amount and it was equal to the full balance owed. Despite this evidence they are refusing to update my credit report. 

I consulted my attorney and he recommended that I file a complaint with CFPB. Their error has dropped my credit score 155 points and I really need your help working with them to get this corrected. 

Thank you for your time and consideration, XXXX XXXX
Product: Debt collection

I tried validating the debt and asked for five different things one being a contract with my actual signature stating it was mine they failed to provide that
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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: Money transfer, virtual currency, or money service

On XXXX XX/XX/2022 at XXXX XXXX, I received an email from PayPal . The subject was " You can no longer do business with paypal ''. My assumption for the action is because the only thing I had recently done was link my account with my visa card from XXXXXXXX XXXX of  XXXX.I then open my PayPal account and tried to withdraw some money but it wasn't successful. I contacted them through their email on XXXX XX/XX/2022 at XXXX XXXX  and the response was " Thanks for contacting us. 
We want to help you but we cant answer emails sent to this unmonitored mailbox. 
To get in touch by phone or email, go XXXX XXXX & Contactat the bottom of the page. 
PayPal '' I then contacted them through XXXX and they still didn't fix or consider my argument.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally multiple times since XXXX  to XXXX  because I was a victim of the Equifax data breach. I want XXXX XXXX XXXX XXXX XXXX account # XXXX for {$350.00} on collections, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX unknown acct number but shows on XXXX XXXX  system. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. The engagement # XXXX with Equifax were they admit their breach, complaint # XXXX. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my private information to be accessed ( and likely published ) without my consent.
Product: Mortgage

Hello, we have big problem again, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. We have had many attempts to receive an affordable monthly payment but no resolution and no affordable monthly payment offer has been given. 
We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing an affordable loan mod. that we can afford which will help us keep the home and not throw us out on the streets. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed and faxed in a copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. 
If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and an affordable loan modification and the process has been approved and agreed upon not some {$4000.00} monthly payment that no one can afford but one that is reasonable and that if helping the borrower not a ridiculous sum that will force us to move out. We sent them all documents and are in review at the moment but why have they not yet removed the foreclosure sale. 

Thank you.
Product: Credit card

Iam disputing this item because it's aunthorize and by law they need permission to put things on your credit report FCRA Section 605B
Product: Checking or savings account

On Thursday, XX/XX/XXXX I received a phone call from Chase Bank. I looked up the number to make sure since I didn't know the number. Once I answered the call the women said she was calling from Chase Bank ( forgot her name unfortunately ). She informed me that she was calling because they received an alert that my account was flagged for fraud. She told me my card had been used at a XXXX XXXX in XXXX for {$140.00} ( this has never happened to me, but I believed her due to calling me from the bank ). She already had my information and then told me she was going to send me a verification code via text ( chase text number ). I gave her the code, she told me she was mailing my card to my XXXX XXXX address and it would be there in 7-10 business days. Once we hung up I checked my email and noticed that I had an email saying my card was successfully added to my XXXX XXXX. I thought that was really odd, so I looked at the code she sent me again. Sure enough it was a code to add my card to her phone. I checked my savings account and she took a total of {$1400.00}. One withdrawal of {$500.00} and a {$200.00} ; then nine {$80.00} 's. I called the number she called me from back ( which was Chase Bank ). Explained to them what happened and they said it clearly wasn't true. Turned off my card and said they were mailing me a new one. They said she did it through XXXX XXXX at the ATM machine. I told them she had all of my information and she called me from Chase Bank. I am having to dispute this with the bank still ( they just denied my claim ). They credited my account today XX/XX/22, but told me they are taking the money back.
Product: Credit reporting or other personal consumer reports

These companies are being reported as hard inquires on my credit report, and I do not recognize, nor have I given consent to any of them to pull my report. According to the consumer laws for my protection the following companies must provide documented proof with my signature on it stating that I authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, Experian, and XXXX must remove these inquiries from my credit reports. 
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: Student loan

I attended XXXX XXXX in 2009 and their were two loans opened without my knowledge and I want deleted off my credit report. I did n't authorize. I was thinking I only was using financial aid only, NOT STUDENT LOANS.
Product: Debt collection

Dear Transworld systems this is my response to a notice about a debt.You guys reached out to me by email on XX/XX/year> and provided information about a debt in the amount of XXXX to original creditor XXXX XXXX I am not responsible for the debt you are trying to collect. 

If you have proof and a good reason to believe I am responsible for this debt please mail me relevant documentation including, ( but not limited to ).. 

Proof you are licensed in XXXX to collect this debt XXXX statement or bill showing amount I owe XXXX I signed proving debt is mine. 

Details about the last action taking on this account and proof Please record I dispute any ownership of this account also if you Collecting on this debt and forward it to a separate company, please let them know I disputed it.please also report my dispute to the credit bureau if you will report ( or already have reported ) this debt Thank you in advance XXXX XXXX