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

On XX/XX/2019, I submitted and mailed a certified letter to Equifax for which they signed for on XX/XX/2019 regarding negative information reported by XXXX XXXX XXXX, Bankruptcy chapter XXXX-discharge in the file they maintain under my Social Security number. I challenged the accuracy, compliance and reportability of the listing and their Method of Verification. Equifax failed to investigate with in the 30 day required by Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a number of errors, discrepancies, and unfamiliar accounts that have recently surfaced on my credit report. Upon a thorough review of the information provided by your agency, I have identified several inaccuracies that require immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I XXXX XXXX am writing to expunge the following information from my profile. The items I request to be deleted are listed in this report. I am a victim of identity theft and did not make the following charges or changes. I ask that these items be deleted to correct the flaws reflected in my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX, that is reporting on my credit report should not be reporting. This account has been paid in full. Below is the documentation showing that it was paid in full. And it's still recording on my credit report as a negative item. The Account number is XXXX this account is violating. My consumer rights is causing me a big detrimental to my financial life
Product: Credit reporting, credit repair services, or other personal consumer reports

I went somewhere to trade in my car and they pulled my credit and found out I dont even have a car loan on my report I got a car from lucky auto credit becaue they said it would help with my credit found out they havent been reporting to any bureau for a year even properly longer for other people
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are in violation of FCRA. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit card

I signed up through an XXXX and Americanexpress.com website advertised promotion. XXXX XXXX Frequent Flyer Milers Bonus after XXXX USD in spending within 3 months. 

After completing the offer within the 3 months, I was only provided XXXX Frequent Flyer Miles. This offer has been running for the most part of the year including the time I signed up of which I was referred directly from XXXX website for the promotion. 

I tried to settle the issue with American Express. American Express is telling me they did not offer that bonus at the time, when there are numerous websites archives documenting at the time period I signed up that they were indeed offering that promotion. I also have a copy of the form I filled out which shows the terms and conditions of the offer.
Product: Mortgage

i feel behind on my mortgage two months later i called to make full payment the refused to accept payment asking for an additional XXXX to accept payment have been submitting loan modification paper work for five years and wells fargo and ASC keep giving me the run around also they gave me a trial run of XXXX a month for six months i complied with payments after i completed the trial run i requested my payment amount the said that was my payment and refused to give me the modification and now the refuse to look at my paper work again for a loan modification.
Product: Debt collection

On XXXX  I found out that there are 2 debt collections and credit card accounts under my credit report which are not mine. So I contacted all 3 credit bureaus ( XXXX, XXXX and XXXX ) and also all the credit card company and debt collections. The thief used my identity opened accounts : 1. Midland Credit Management : {$610.00}, date opened on XX/XX/XXXX. 2. Midland Credit Management : {$500.00}, date opened on XX/XX/XXXX. The representative XXXX in the fraud department of Midland Credit Management told me that he will mail me the letter to let me know what documentations that I need to provided. On XXXX I received the letter, and I faxed them back the identity fraud as they requested.
Product: Credit reporting or other personal consumer reports

I am writing in response to your recent reply to my complaint, which was riddled with inaccuracies and demonstrates either a lack of diligence or deliberate obfuscation. Contrary to your claim, the bankruptcy in question was not a XXXX XXXX XXXX XXXX XXXX XXXX XXXXy was filed in Virginia, with attorney XXXX XXXX representing me. Moreover, the property in question was promptly removed from the bankruptcy proceedings shortly thereafter. 

Your response further affirms the predatory practices that have unfortunately come to define your organization. I intend to pursue litigation to hold you accountable and to ensure justice is served. It is disheartening that instead of addressing legitimate concerns, XXXX XXXX resorts to misrepresentation and evasion. 

I expect a correction to your response and a transparent resolution to my complaint. Anything less will only strengthen my resolve to expose and challenge your unethical practices through every legal avenue available
Product: Credit card or prepaid card

SynchronyBank/CareCredit XXXX They are linked together. My payments are due on the XXXX of each month. I make my payments on the XXXX of each month through XXXX which is a bill paying service. My first payment XXXX XXXX, 2022, missed XXXX payment, made 2 payments XXXX on XXXX XXXX, 2022 and next XXXX, 2022. I contacted Synchrony Bank to advise I would be late on XXXX payment. On XXXX, 2022 I made a payment through XXXX  for XXXX plus XXXX process fee total XXXX. I start getting texts and emails from Synchrony Bank that I was late on payment. I called them to advise I made payment through doxo on XXXX XXXX. They then advised a missing payment form would be applied. I made payment XXXX XXXX for XXXX through XXXX  then received an email from Synchrony Bank that my payment was late. All payments due on the XXXX. I checked my statement it showed a charge of XXXX as a purchase raising my balance from XXXX to XXXX. I never made a purchase this was the amount they say was lost. I contacted Synchrony Bank advised that my statement was wrong I never made a purchase which was supposed to be taken off. I advised them I made XXXX payment on XXXX and they would receive it on XXXX XXXX. The agent said it would be taken care of and that they had received my payment of XXXX and I owed only XXXX because my monthly payment went up to XXXX. I checked my statement today and found the XXXX purchase still showing on there and they had received the XXXX payment and the XXXX payment and showed I still owed just XXXX. I'm still receiving emails that my XXXX payment is late which my statement shows it isn't. I feel like there is a lot of discrepancy on there part. There is no email avaliable for consumer use only a phone number which it takes up to 10minutes to talk to an agent. Imake my payments each month on the XXXX because that when I get paid due to my XXXX. Could you help?
Product: Vehicle loan or lease

In XXXX of XXXX the process of repossession of my car was started for falling behind on my payments on my loan with Santander Consumer USA Bank. I immediately paid the past due amount on the loan before the tow truck driver even had the car hooked up. So while speaking to a customer service rep at Santander that very same day, Miss. XXXX, she agreed to waive the repossession fees that they were going to charge to my account because I handled the situation in an expedited manner and brought the loan current immediately. Now, in XX/XX/XXXX I've made the final payment on the loan, and the loan has been paid on time since that incident in XX/XX/XXXX, but they have over {$370.00} worth of fees still open on the account for this repossession in XXXX/XXXX. The fees they promised to waive originally. I've since disputed these fees with a customer service rep, in early XXXX of XXXX, asking her to go back and review the recorded conversation I had with Miss XXXX that day in XX/XX/XXXX. She claimed she had no access to those records and told me that if I don't pay them that they will adversely effect my credit reports by reporting me as being 30 days, 60 days & even 90 days past due on the loan. The loan is paid off. So today XX/XX/XXXX, a representative from the " executive offices '' of Santander Bank called to speak to me about my dispute. She too claimed to not have access to the call I had with Miss. XXXX stating they don't keep those records more than a year or two, yet she had records of a conversation I had with a Mr. XXXX that took place BEFORE my conversation with Miss. XXXX. The executive representative then acknowledged she had the ability to waive the fees from my account and offered a {$50.00} reduction to them. I told her I wanted all the fees waived as I was promised by Miss. XXXX. She refused and so I asked what will happen if I continue to dispute these fees and don't pay them, she replied they would report it to the credit bureaus as unpaid and open and adversely effect my credit. At this point she then said " I won't be waiving any fees for you and I'm notating your account that way as well ''.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rentdebt should not be reporting to XXXX XXXX XXXX and Transunion a collection/chargeoff in the amount of {$450.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I never received any notification of this debt. Once I saw that this account was reporting negatively on my credit report I immediately contacted XXXX to discuss this. They refused to assist me in removing this false collection that was reporting on my credit report. I was never notified by telephone and/or email that there was an issue. The original creditor, XXXX XXXXXXXX never sent any notification either for any remaining balance due. I was the co-signer on a rental property for my son. His lease ended and he moved out per the rental agreement. There were no issues we were aware of. XXXX has no information regarding this and instead of working with me and explaining to me what this debt was for they sent it off to collections. This false reporting of a collection/chargeoff is seriously harming my credit score and this item needs to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus as well as XXXX  and XXXX XXXXXXXX to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bogus collection accounts listed as other account on Equifax credit report. XXXX and XXXX has deleted these accounts however Equifax hasn't. Equifax says the accounts was verified. 
XXXX XXXX XXXX XXXX  # XXXX {$1500.00} Acct # XXXX {$2600.00} XXXX XXXX XXXX  couldn't provide me with any binding contract or signature. They sent me statements on XX/XX/22 and the cover page says, This communication is from a debt collector but is not an attempt to collect a debt.
Product: Debt collection

Over the past 3 years RI Financial ( XXXX ) has called my number looking for XXXX XXXX. 
I have told them 4 or 5 times that we do not know a XXXX XXXX, never have,, and that this number is wrong number for him. Twice the representative has said he would make a note that this is wrong number. The calls continue several times every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I disputed the validity of an alleged collection account, with XXXX XXXX XXXX, and " XXXX XXXX/Comenity Bank '', which appears on credit reports with XXXX, XXXX, XXXX, and XXXX. This is an error. I contacted XXXX XXXX, on XX/XX/19, via Certified USPS Mail ( XXXX ), to dispute the account and balance, request a transfer of debt, and other information. On XX/XX/19, I did receive a response. However, XXXX XXXX, did not provide any requested materials, or attach any documents, whatsoever, only a statement from their Disputes Department. I again contacted, XXXX XXXX, on XX/XX/19, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/19, stating this response was unsatisfactory, and demand material evidence. XXXX XXXX, never responded. In spite of failing to honor my request to provide the information, or delete the alleged account under the Fair Credit Acts, XXXX XXXX, and Comenity, continue to report this account in error to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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.

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: Student loan

I filed 2 prior complaints regarding this problem. The company did not answer the question the first time and its 2nd responses not correct. 

The origination date of my loans is XXXX. 

Origination is defined by the Federal government as " the date the funds were distributed to the school or the borrower. '' Nelnet has the date as XXXX. No FUNDS WERE DISTRIBUTED in XXXX  therefore it is NOT the origination date. 

Nelnet 's response was as follows : " The origination date is correct as XXXX  for the Consolidation Loan because that is when the funds were disbursed to you for the new loan. '' Let me be perfectly clear, NO funds were distributed in XXXX  to me or the school. Zero. No new loans were originated in XXXX. 

XXXX  was the date the loan was transferred from XXXX  XXXX XXXX XXXX XXXX XXXX and the loan was consolidated from one servicer to another servicer. NO NEW LOANS WERE ORGINATED OR DISBURSED TO ME OR THE SCHOOL IN XXXX THERE WAS NO NEW LOAN. 

Please correct the origination date to the date the funds were orginated and distributed directly to XXXX XXXX XXXX.
Product: Student loan

The company Nelnet is trying to charge me for loans that were already consolidated and transferred to another servicer. They said they never received the direct consolidation loan payment for these loans. What they fail to realize is the payment was made to Great Lakes Borrowers prior to Nelnet assuming responsibility for this loan. 

XXXX XX/XX/XXXX- Requested a loan consolidation from Great Lakes Borrowers to XXXX to pursue XXXX. 

XXXX XX/XX/XXXX - XXXX consolidation disbursement was paid to Great Lakes Borrowers in the amount of {$11000.00}. 

XXXX XX/XX/XXXX - Received email from Great Lakes confirming my loan had been paid in and transferred to XXXX. 

XX/XX/year> - The loan was transferred from XXXX to XXXX and I have been paying XXXX since then, still in pursuit of XXXX. 

XXXX XX/XX/XXXX - Received email from Nelnet regarding an account correspondence. I had never logged into Nelnet before so I had to create an account. 

XXXX XX/XX/XXXX- Received an email about account correspondence which was 5 messages saying my accounts had been paid in full. 

XXXX XX/XX/XXXX- Since then my account has backtracked to show a total balance owed of {$17000.00}. XXXX XXXX XXXX is also showing this loan now when before it was only listing the XXXX loan. 

Again, the Nelnet loan that is represented is a duplicate loan for one I'm already paying with XXXX. I've tried to rectify this on the phone several times and email with all my documentation showing this to be true but they are either unhelpful or non-responsive. They have also been taking actions in the Nelnet account that I do not request such as a deferment that was recently processed. 

Attachment 1 : Loan Consolidation Application with payment amounts to Great Lakes. 
Attachment 2 : Previous Great Lakes Statement showing the same amounts paid to Great Lakes. 
Attachment 3 : Great Lakes email saying account paid in full. 
Attachment 4 : Nelnet Paid in Full messages Attachment 5 : Nelnet Account XXXX w/balance owed.
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 Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 that records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 causes to believe that the information is inaccurate.
Product: Mortgage

The escrow account company : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, TIN # XXXX Insured location : XXXX XXXX XXXX Servbank provided a wrong 2023 yearly statement, along with a 1098 form with the same error. Both forms overcharged my account under Insurance payment for 2023. I called asking them to correct the mistake, and the company has not done so far.

The home insurance premium quoted and paid ( I have the quote and the payment statement from the insurance company XXXX XXXX XXXX ) during 2023 : {$1400.00} The home insurance payment reported by the escrow account in Form 1098 : {$4100.00} In brief, the escrow overcharged me {$2600.00} under the insurance payment for 2023 tax year. I called XXXX trying to resolve this, and they refused to correct the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Credit Bureau Name TRANSUNION, XXXX XXXX  Credit Bureau Address Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my TRANSUNION, XXXX, XXXX credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  inquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 ONEMAIN XX/XX/2021 ONEMAIN NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL I recently discovered that your company ran an unauthorized report on me XXXX AND XXXX. 


I have not initiated any transaction with. ONE MAIN Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ONE MAIN for review or collection. 


1. I am now requesting the permissible purpose documents under 15 USC 1681B. 

15 U.S. Code 1681b - Permissible purposes of consumer reports. In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
Product: Debt collection

In the XXXX my husband contacted XXXX XXXX collections in regards to an account that appears on our credit report. The company referred him to their legal department ( Gaba Law ) stating they are only the ones that control this account.My husband spent two days attempting to contact Gaba Law. He was eventually able to get a hold of someone via email. The company refused to settled and stated that the judgment amount was XXXX as of XX/XX/21. We do not have a Judgment on us at this time or any previous time. The wording used in the email defining this as a judgment was misrepresentation. I contacted the company on XX/XX/21 offering a settlement via email. They again refused to settle out .I requested validation of the debt. In return I received a copy of a lease and a letter stating the account and that as of XX/XX/21 the debt is XXXX. The company misrepresented the amount owed and the fact that there was a judgment against us.