23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Had my mortgage refinanced through a modification program. Received the new payment amount and schedule and made the first, and all subsequent payments, in full and on time per contract. The company has reported the first 3 payments 120 days to all XXXX credit bureaus. I have filed several disputes with supporting documents and ALL have been denied and this company is unwilling to remove the negative marks from my credit. The payments they are claiming 120 days past due were all paid ON TIME and in the FULL amount owed. Please see all attached paperwork. I am filing in hopes that my credit report will be updated with the correct and TRUE information that I NEVER made a single late payment to this particular mortgage creditor. It is greatly and negatively affecting my credit score with false late payment information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I sent Navy Federal a cease and desist, a request for debt validation, an Affidavit of Fact, and an invoice along with proof of all the Fair Debt Collection Practices Act violations. It has been 30+ days and Navy Federal has failed to validate this alleged debt, failed to pay my invoice for all the violations they have committed against me, and has only agreed to cease communication.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights . Or a list of inquiries : 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 items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX {$1000.00} XX/XX/2021 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.
Product: Credit card

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and TransUnion ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Company offered XXXX point Ultimate Rewards bonus for enrolling a card, making a purchase using the Chase travel portal, completing travel completed in associated with the booking made on the travel portal. Having enrolled my card on XX/XX/XXXX, making the travel purchase on XX/XX/year>, and completing the travel on XX/XX/year>. I have not received the XXXX Ultimate Rewards points that were said to be credited to the account within 8 weeks of travel.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with Fair credit reporting act account # XXXX has Violated my rights 15 U.S.C 1681 section 602A. State I have Right to privacy 15 U.S.C 1681 section 604 A section.2 it also state consumer reporting Agency can not furnish a account with out my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

They have reported me being 130 days late. For yrs they done took me took me to court I have disputed the items but they never change. I was told this was unfair credit reporting.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a victim of identity theft due to a data breach. As a result, fraudulent information, including a bankruptcy record and several unauthorized credit inquiries, has been added to my credit report without my consent. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am formally requesting the immediate blocking and deletion of the following fraudulent entries from my credit file. 
Fraudulent Bankruptcy Record : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times for this unauthorized inquiry to be removed from my credit report. I did not authorize anyone or any company to pull my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Never gave authorization ( s ) to pull my credit nor gave permission to pull a hard inquiry ( ies ) on my account
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my account. Despite numerous attempts to address this issue, I have not seen any meaningful progress in removing these fraudulent items from my account. 

As a loyal customer, I trust your company to maintain the integrity and security of my account. However, the presence of fraudulent items not only undermines this trust but also poses a significant risk to my financial well-being. 

I have taken all necessary steps to report these fraudulent items, providing detailed information and supporting evidence. However, the lack of action on your part to promptly investigate and remove these items is unacceptable. 

I urge you to prioritize the immediate removal of these fraudulent items from my account and to conduct a thorough investigation into the source of these fraudulent activities. Additionally, I request regular updates on the status of my complaint and the actions being taken to address this issue. 

Failure to resolve this matter promptly will force me to explore other options to protect my account and financial interests. I trust that you understand the urgency of this matter and will take immediate action to rectify the situation. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Balance Owed : {$550.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX  XXXX Balance Owed : {$910.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX  XXXX, MA XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX  XXXX Balance Owed : {$910.00} XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX  XXXX Balance Owed : {$910.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to Transunion to delete an account that is over 8 years old with XXXX XXXX. All the other bureaus have corrected this but Transunion has not. This account is outdated and needs to be deleted from my report.
Product: Checking or savings account

Back in XXXX I got a money order in amount of XXXX to pay my rent to XXXX XXXX of XXXX XXXX XXXX both belonged to same bank. 
In a worn out state of XXXX back to back XXXX hour shifts in XXXX unit ; I filled out money order but without thinking turned around signed name on back. 

I gave to landlord I said if they don't accept I can meet you there. He said I'll just add your name to front ; that way both names both signed it says rent they know I have rentals. 

They wouldn't accept. They said I would have to cash or deposit give him the money because I signed as if mine. 

It was after banking hours and now rent 3 days late it was due, I paid a day or that day but after XXXX, do to double shifts. he went to bank and he didn't make it to give to me until next day, so I said I'll just deposit in ATM I can give you XXXX right away because I had some money in account and the electric wasn't due to withdrawal for 3 days so by then this money order would clear to cover difference and they allowed you access to XXXX out of deposit over XXXX. He said ok. This was at the same banks atm. The only banj that actually had access to atm because they got my card out for me when it ate it because I forgot it in there. 

Well they got me with overdraft fees bounced check for electric put hold for fraud on account and would not return my money order nor give me a copy of it so I could call money order company tell them and get it replaced because I lost receipt. Without receipt or id number from money order there was nothing company could do. 

I lost XXXX had XXXX in fees couldn't pay electric because froze account. I then had to come up with another XXXX. I was month behind on all my bills because of this and never able to catch up. I had to break lease due payment plan with cable electric and phone and gas after I left and got judgement against me for being month behind and breaking lease which was XXXX. It affected my credit and ability to get another bank account for awhile. I tried up until beginning of XXXX to try to resolve. Nice XXXX gentleman tried to help but seems they for some reason had no copy of money order but all the fees penalties from stating it was fraud. 

It's still upsets me it affected my entire life my credit, being in collections, being labeled as fraud account, not able to get utilities in my name for 3 years until I was able to pay it all, and lost apartment and reputation. They were rude and kind of mean treated me like criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a letter from XXXX XXXX stating that they have deleted the bankruptcy from my file. I have also disputed this with XXXX transunion, XXXX XXXXXXXX, which all came back verified. This would mean a proper investigation was not conducted and is a violation of federal law. please see attachment for details.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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 XXXX  days before the payment due date. 
Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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

I just found out there are wrong accounts listed on my credit report, and Im completely baffled. I review my credit report often, but this time, I was hit with unexpected errors. I tried refreshing the page, thinking it was a temporary glitch, but the wrong accounts remained. Im begging you to carefully go over the documents Ive submitted so this nightmare can finally end.
Product: Credit reporting or other personal consumer reports

I received your letter, which was generated by a computer, informing me that you had stopped looking into my credit reports because you think I may have used a third-party credit repair firm. I think this is a flagrant violation of the FCRA as well as a stall tactic on your part to give you another 30 days to comply with my initial request. 

I requested an investigation into matters that I felt to be fraud, erroneous, and falsely represented in a letter sent to the creditors listed below on XX/XX/2023. I have yet to hear back from anyone. In my opinion, this is not just a delaying ploy to give me another 30 days to comply with my first request, but it also clearly violates 15 U.S. Code Section 1681i - Procedure in case of disputed correctness.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. So, please remove this account.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My ex wife forged my signature in 2010 on an existing loan to facilitate the loan modification which I did not sign or consent to. 
The mortgage company PHH has accepted this forgery as legitimate and remodified the loan.
Product: Credit reporting or other personal consumer reports

I am reaching out to XXXX XXXX regarding a late payment on my credit report. 
As a consumer, I am made aware that 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. With this being said, please show proof where my periodic statement was sent regarding these one late payment. If a periodic statement can not be sent showing where this late payment occurred, please do your due diligence to update these one late payment. They are only affecting my financial reputation but also causing financial harm to myself. 

Account XXXX XXXX  - XXXX Last 4 digit of SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$740.00} XXXX XXXX   XXXX $ XXXX XXXX {$1100.00} XXXX XXXX XXXX {$430.00} XXXX
Product: Credit card

I had a gym membership with the fitness club XXXX at XXXX XXXX XXXX in XXXX XXXX. I wanted to cancel my membership for an end date on XX/XX/2016. I understand that XXXX has a 30-day membership cancellation policy. I worked with a representative to process my cancellation in XX/XX/XXXX. However, on XX/XX/2016, I was charged {$160.00} on my credit card with American Express. I spoke with manager and representatives of the gym multiple times over the next week ( XX/XX/XXXX to XX/XX/XXXX ) regarding the cancellation. The manager said they did not have documentation of the cancellation and refused to remove the charge. I called my credit card company on XX/XX/2016 to file a charge dispute. My credit card company denied my dispute and cited the reason as the merchant refusing to return the {$160.00} because the merchant could not find the documentation for my cancellation, which is the reason the dispute was even happening. 

I feel this is a very unjust ruling against me with no protection for the consumer. Decisions regarding transactions are entirely with the merchant and the consumer has no protection if the merchant is at fault. I tried my best to resolve the issue and spoke with the merchant in XX/XX/XXXX in order to reverse the fee that was meant for XX/XX/XXXX. After the merchant denied my request, I spoke to my credit card company as quickly as possible. I did not use the membership at all for XX/XX/XXXX. I have tried to be timely in communicating with all parties and it feels like any merchant is able to charge me whatever amount they want with no way to fighting back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, I am submitting the complaint myself and there's no third party involved. 

Santander consumer notified me that I was in a class action suit due to my loan qualifying for a settlement because they were practicing subprime lending practices. 

They admitted that they broke the law after I've submitted several disputes. After I received the settlement I disputed again and the dispute was denied. The loan should have been removed from my credit report already and is now affecting my score and ability to move forward with financing a vehicle. 

Lawfully, they're not reporting accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE Group is reporting a debt on my credit file that must be removed. I have been disputing this account and have sent several letters asking for validation. I have attached the letter I most recently sent. Please remove this from my file as you have exceeded the 30 day period and I have received no response.
Product: Checking or savings account

XX/XX/23 I deposited cashier checks {$50000.00} in Washington State, Branch told me that deposit would be hold for 4-10 weeks then available. 
XX/XX/23 I got XXXX. I returned to XXXX XXXX from XXXX on the XXXX. Unfortunately, I know that my bank 's money has been stolen on the XXXX. 
I saw my online bill proved that when it was XX/XX/23, my bank card had been activated without my consent, and the first payment was started. 
OnXXXX, I found that the stolen amount of my company account was stolen from a bank card that I had never received to steal the deposit in my account. The total stolen amount was {$48000.00}, of which, in just 3 days, the stolen places were XXXX XXXX in California and XXXX in Nevada. After 5 days, the bank gave me the final result that they didn't think it was stolen. Then the answer is to refuse to settle the claim. 
And they told me that my bank account will be permanently closed on XX/XX/23.