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

I wrote to the bureaus asking them to remove a Late payment from my credit report which reported a 30 days late payment in XX/XX/2018 as a Goodwill/ Courtesy, being as I was never late in paying this account and I encountered some serious financial issues at that time. I want to apply for a mortgage loan and this is affecting my credit scores. I have been writing to them about removing this late payment since XX/XX/2018 and they refuse to be courteous in doing so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I recently booked a rental car through Chase XXXX which explicitly states XXXX rewards points when booking. I circled back and checked the transaction to find they only added XXXX rewards points. When I tried to send a secure message to Chase through their website, it initially logged me out. When I logged back in and tried again, it said this portion of their website wasn't working. They seem to be, either through neglect or intent, stifling the ability of customers to report issues with their service.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 se
ction 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on these accounts. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and were flagged as being past due. The disputed accounts are listed below. 
XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$1300.00}
Product: Credit card or prepaid card

In my XXXX XXXX Credit Card XXXX, issued on XXXX XXXX, XXXX in addition to my normal purchases I found unauthorized charge for {$11.00}, showing in statement as XXXX XXXX   XXXX. I did payment of my authorized due balance and disputed this {$11.00} charge. XXXX phone agents did not accept that the charge was done by their affiliated insurance agency ( though on web there are many fraud alerts on this scheme ) and decided to replace my credit card due to fraud activity. In reply to my XXXX XX/XX/XXXX dispute I was informed that my dispute was properly accepted for processing ( I have same day email notice confirming that ) and I should pay any due amount except the disputed balance. Since I had no any overdue payment I was assuming that the issue would be properly resolved soon and new card would arrive. What was real surprise for me is receiving next statements indicating the same charges plus some other charges applied to this unauthorized charge, plus new small charge of {$0.00} form the same XXXX XXXX XXXX, dated XXXX XX/XX/XXXX. 
After XXXX months no dispute resolution notices were received from XXXX. When I called to customer support on XX/XX/XXXX the agent rejected to provide any reasonable explanation for the situation and was trying to forward me to this XXXX XXXX ( which I do not now who they are ). In fact, XXXX instead of resolving the disputed transaction is trying to protect someone's interest ( which assumably is affiliated with them XXXX and continuing applying same charges and more additional fees. After understanding this fraudulent scheme : illegal credit card add-on practices by XXXX on XXXX XX/XX/XXXX I had requested closing my account immediately. Since XXXX is non-responsive on this issue and this situation may affect many consumers I had no choice but applying to CFPB for resolution of case.
Product: Credit card or prepaid card

A 30 day late payment was inaccurately added to my Barclays credit card account in XXXX of last year. I called Barclays multiple times and after explaining my situation and how this was inaccurately reported to my credit, the representatives said they would look into removing the 30 day late payment mark from my report. <P/>It has been a couple of months since then and the 30 day late is still reporting on the payment history of my Barclays credit card. <P/>I am very happy with my Barclays account and I intend to keep it open for a long time. I have continued using and making payments on the account. I know I did not pay my account late, I have always made my payments on time. <P/>There should be multiple records of the conversations in the notes for my credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently submitted a request for an investigation of an which you refused. I Report Confirmation XXXX enough information for you to carry out a reasonable investigation of my dispute since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than using your e-Oscar system, you would have known that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 
It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As XXXX sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with collections and inquiries I did not authorize
Product: Debt collection

The primary statute in Illinois requiring licensing in the area of debt collection is the Illinois Collection Agency Act. ( 225 ILCS 425 et seq ). Under the Act, anyone acting as a collection agency must obtain a collection agency license. An entity is considered to be acting as a collection agency when, among other things, it engages in the collection of debts for others or buys accounts, bills or other indebtedness and engages in collecting the same ( 225 ILCS 425/3 ). Debt collection is defined as any act or practice in connection with only consumer debts 225 ILCS 425/2 ). Even out-of-state debt buyers must be licensed, if they buy and sue on consumer accounts in Illinois ( LVNV Funding , LLC v. Trice, 952 NE2d 1232 ( 2011 ) ). To obtain the collection agency license, a {$750.00} fee must accompany the application, along with a bond for {$25000.00}. The applicant must also provide an employment history, financial statement, employee identity listing and trust account financial report. Please provide the following : you signed the application the entity suing you purchased the right to collect on the debt the balance claimed as being due is calculated properly the loan has not been rendered unenforceable due to the expiration of the statute of limitations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX-XXXX  According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Account number XXXX Collection opened XX/XX/2019 Account type Collection Account Balance Loan Amount {$1200.00} This account is Unverified Account, doesnt have creditors name or contact information this is inaccurate reporting and must be removed from my credit immediately. 




XXXX XXXX
Product: Debt collection

Universal Recovery Corporation put {$1500.00} on my credit, XX/XX/year>. I dont know who they are or what they do, and would like to see the original documents or contract I've signed with them. They harassed my phone.
Product: Credit reporting or other personal consumer reports

NOTICE OF UNVERIFIED INFORMATION REPORTING IN MY CREDIT FILE After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of lawful verification of this alleged debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks or unverified information. 
The following unverified information MUST be Remove from my credit file or Provide Lawful verification under oath or sworn statement or notarized affidavit. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX As you know it is against the law to report any inaccurate information or unverified information not lawfully verified or lawfully proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative unverified remarks or information found on my credit file or credit report is a violation of the FCRA and FDCPA when you can not lawfully furnish the validity of the remark or information. I am not in dispute of the ownership of the account but if you are unable to lawfully provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account or information from my credit file and credit report. 

Best Regards, XXXX, XXXX Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
Product: Student loan

I decided to conduct a self audit of my student loans with Navient. In looking through the payment and balance history, there is a period of time from XX/XX/XXXX- XX/XX/XXXXwhere principle payments made on the loan INCREASED my loan balance rather than decreased the loan balance. I have reached out to Navient regarding this and I am waiting for their response.
Product: Credit reporting or other personal consumer reports

XXXX This account is shown as a collection/charge off on my report. A charge off is considered a certificate of indebtedness, which means it is income and income can not be reported on a consumers credit report. Therefore i demand that it be deleted from my credit report immediately.
Product: Student loan

Hello, First, thank you to whoever is reading this for the work that you do- love the CFPB. 

My issue is with my apparently former student loan servicer, FedLoan Servicing. I am one of the many Americans who is eligible to have some of their student loans discharged under the recently announced Student Loan Forgiveness. I made regularly monthly payments during the COVID pandemic despite the payment pause because I was able to do so and worried about my long term debt burden. Now, I am seeking both forgiveness of my remaining balance and to recoup some of the payments I made during the pandemic. 

When I reached out to FedLoan Servicing today, who I understood to still be servicing my loans- I regularly log into my FedLoan Servicing account, they informed me that they transferred my loans to XXXX. This is the first I've heard of it - I was not informed in advance that my loans were being transferred to another servicer, and I've never been individually informed via email or direct mail that my loans had changed hands. If I had been notified, I would've taken to opportunity to download detailed billing information in advance. These loan servicers are shady - I can't help but think that the lack of notice/forewarning is intentional and designed to complicate mine ( and I assume others ) ability to access loan forgiveness. There need to be stronger regulations in place about this in terms of notice periods- there should never be a gap in my ability to be fully aware of my current loan obligations and the history of my payments because that gap only benefits the servicer and is disadvantageous to me as a consumer. Any assistance you can lend in ensuring both that I am able to access my loan history and set up a new account with XXXX, and to ensure that other consumers are able to do the same by advocating for stricter regulations on the transferrence of student loans between servicers would be much appreciated. 

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

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the information in my credit report is incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus XXXX and Transunion to validate this account ( A ). It is not permissible to fail to validate this reporting account is unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX : {$16000.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and fees. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent my credit information to XXXX companies without having my expressed written consent. 
They sent my personal credit information to, XXXX XXXXXXXX XXXX, located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
Also to, XXXX XXXX XXXX no address provided.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft. Unauthorized accounts and inquiries have been fraudulently opened or made in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of these accounts and inquiries from my credit report.

Fraudulent Accounts : 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 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( Block , Inc ) due to inadequate costumer service & unfair practices, which violates consumer financial protection act. ( CFPA ) Cash App failed me. They failed to prevent & address fraud on the platform, which left my account unprotected & vulnerable. Their dispute resolution process was/is deceptive & unfair. They didnt comply with Error Resolution Requirements under The Electric Fund Transfer Act. EFTA Ive had a lot of financial loss and inconveniences. Im seeking appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, and sent the same information to XXXX, Equifax and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX XXXX XXXX XXXX is still reporting this fraudulent information to my Equifax Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Product: Mortgage

The issue with US BANK has been going on for about two years now. I was on a 10 year HUD ownership program for my home, they help me pay my mortgage for the first 10 years of me purchasing my home. It is now XXXX  and the issue with my mortgage has not been resolved, Ive been told that I owe them over {$9000.00} on my mortgage behind payment they say. When I called to discuss the issue they could not talk to me due to a bankruptcy issue, when I try to pay online the account number I have does not let me pay. When I went into my local bank they refused to except my payment due to my bankruptcy. Im no longer in bankruptcy I have close that case. Im having issues with the amount they say owe and theres no way I can pay that due to Covid and I still have not received my tax refund this year. I have made two payments this year surprisingly they were excepted over the phone. When I called to make a payment this month XXXX I was told my address is not in the system. I need help resolving this problem so me and my children can stay in our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and XXXX XXXX and seen an hard inquiry from Comenity Bank/expres Inquiry from XX/XX/2019. There was no information for me to dispute with the company. I did not make this Inquiry. I would like this investigated and removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to address the following discrepancies, but I have not received a response from them to date. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Below are the details of the inaccurate information on my credit report and the necessary corrections : Account Name : XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$10000.00} I want to reiterate that this account does not belong to me, and I request its immediate removal from my credit report. 

Account Name : XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$100.00} I confirm that this account is not associated with my financial history, and I kindly request its removal from my credit report. 


Account Name : XXXX XXXX A Opened : XXXX XXXX, XXXX Balance : {$670.00} This account is not mine, and I request its removal from my credit report as it is reporting inaccurate information.