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

The late payment remark on my credit report is negatively affecting my XXXX  score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my XXXX score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on XXXX  scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability. 

Furthermore, I have identified other inaccurate personal information on my credit report, which may be contributing to reporting errors. I am requesting a thorough review and correction of any outdated, incomplete, or incorrect details to ensure the accuracy of my credit file.
Product: Debt collection

This decision has been made in accordance with the guidelines set forth in the Georgia XXXX XXXX XXXX. 

As a tenant, I faced persistent issues with noisy and disruptive neighbors at XXXX at the XXXX. Per the Georgia XXXX XXXX XXXX, it is advised that tenants first contact their landlord to address such concerns, rather than resorting to involving law enforcement as a first step. In adherence to this recommendation, I have made multiple attempts to address these issues with the apartment complex management and unfortunately have multiple police reports that have been approved by the county. I have attached the evidence and will forward over all videos that were requested to me by management if needed. 

Despite my best efforts to resolve these concerns through the proper channels, the landlord continually failed to adequately address the disruptive behavior of my neighbors. This has created an environment that is incompatible with my right to quiet enjoyment of the premises, as any ordinary, reasonable person would expect. 

In light of these circumstances, I decided to exercise my right as a tenant to terminate the lease agreement, as outlined in the Georgia XXXX XXXX XXXX. I provided a formal XXXX notice of my intention to vacate the premises. My last day of occupancy was XX/XX/XXXX, which was 60 days from the date of the letter. 

I kindly request that this collection account with TRANSWORLD SYSTEM INC and XXXX at the XXXX with a balance of {$3500.00} be removed from my credit report. Please contact me at XXXX or XXXX to discuss any necessary arrangements.
Product: Credit card or prepaid card

I was declined for a open end consumer credit plan and wasnt sent the adverse action. The law is very clear in this matter. 

15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination ( 3 ) because the applicant has in good faith exercised any right under this chapter.

( d ) Reason for adverse action ; procedure applicable; adverse action defined ( 1 ) Within thirty days ( or such longer reasonable time as specified in regulations of the Bureau for any class of credit transaction ) after receipt of a completed application for credit, a creditor shall notify the applicant of its action on the application.

( 2 ) Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. A creditor satisfies this obligation by ( A ) providing statements of reasons in writing as a matter of course to applicants against whom adverse action is taken ; or ( B ) giving written notification of adverse action which discloses ( i ) the applicants right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification, and ( ii ) the identity of the person or office from which such statement may be obtained. Such statement may be given orally if the written notification advises the applicant of his right to have the statement of reasons confirmed in writing on written request.

15 U.S. Code 1681m - Requirements on users of consumer reports ( a ) Duties of users taking adverse actions on basis of information contained in consumer reports ( B ) a statement that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide the consumer the specific reasons why the adverse action was taken ; 15 U.S. Code 1602 - Definitions and rules of construction ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time.

( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Product: Credit reporting or other personal consumer reports

I have been trying to get equifax to change my birthdate since XXXX. I've submitted my drivers license multiple times. I do know have the resource to mail a copy of my license or birth certificate
Product: Debt collection

Subject : Dispute of Re-Aged Collection Account and Unauthorized Reporting I am writing to dispute a collection account reported by Jefferson Capital Systems that appears to have been re-aged. Details of the account are as follows : - Account Number Ending : XXXX, XXXX, and XXXX ( the account numbers don't match which is inaccurate as well. 
- Original Lender : XXXX - Balance : {$1000.00} The account 's assigned date of XX/XX/year> does not align with the date of first delinquency with XXXX. If the delinquency date has been altered to extend the reporting period, this constitutes a violation of FCRA 623 ( a ) ( 5 ).

Additionally, under FCRA 604 ( 15 U.S.C. 1681b ), I did not provide Jefferson Capital Systems with explicit written consent to access or report my credit information. If such consent exists, I request immediate documentation of this authorization.
Product: Credit reporting or other personal consumer reports

The company did not validate the account information reported to XXXX before.The information that they was reported is incorrect
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX 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/year>
Product: Mortgage

I would like to bring your attention to issues I'm having with Specialized Loan Servicing who is  servicing my loan that includes incorrect mortgage late and some late charges that they are not able to verify. I have been trying since XX/XX/2019 and ever since they took over the servicing of my loan to resolve these issues with them but constantly getting a run around and promises to return my calls that never happened. 

The servicing of my loan was transferred from XXXX XXXX XXXX to Specialized Loan Servicing on XX/XX/2019 and I was never notified either from XXXX  XXXX XXXX or from Specialized Loan Servicing. My loan is a 2nd mortgage and my payment is due on the XXXX of every month. I made my XXXX payment to XXXX  XXXX XXXX but money was never taken out of my account and when I called XXXX   XXXX XXXX I was told that servicing of my loan has been transferred to Specialized Loan servicing as of XX/XX/2019 and I was given the phone number to contact the new servicing company. I called Specialized Loan servicing and was told that they have just received my loan and it is due for XX/XX/2019 payment. I then immediately made a payment over the phone with the representative on XX/XX/2019. Please note that my payment is not due on the XXXX of every month and instead it is due on the XXXX of every month with a 10 day grace period. So the payment I made over the phone on XX/XX/2019 which was for XX/XX/2019 payment and still under 30 days. However as per their verification of mortgage history that I printed from my on line portal clearly shows that I have 1 late mortgage payment within 31-60 days and that needs to be corrected. 

Also there are some past due charges in the amount of {$190.00} showing on my account. I was told that these are the late charges from my previous lender that they received. I called XXXX  XXXX XXXX and was told that since they no longer have my account they will not be able to provide any information. Specialized Loan Servicing is not able to verify this amount and I requested from them to remove these charges. 

Specialized loan Servicing is not reporting my mortgage with any of the credit agencies and therefore I have to rely on their mortgage history which is incorrectly showing a 30 day mortgage late and that have preventing me from refinancing my home loan.
Product: Credit card or prepaid card

Below is what I sent to the company by email on XX/XX/2020 and also by certified mail on XX/XX/2020. 

" I called and requested a payoff amount for my account on XX/XX/2020. I was provided the figure of {$20000.00} to pay my balance in full. I then went to my bank and got a cashiers check made in the amount of {$20000.00} and mailed it to you. You cashed the check on XX/XX/2020. I recieved a bill this month for {$180.00} my account should be paid in full and closed. I called and asked for the payoff and then promptly sent you the check for that amount. Please rescind these charges and close my account '' They have not addressed the issue and continue to bill me and charge more interest.
Product: Credit reporting

Someone is using my name, social security number. These hard inquiries is fraud and does not belong to be. I have no knowledge of these hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX am verifying that I, XXXX XXXX XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Student loan

I was pressured into repaying student loans that were in a grace period. At the time I should have started the repayment, I was already starting to fall behind. Now my credit report shows late payments that should have never been payments and XXXX says I only get XXXX grace period for my lifetime. This is convenient for them to say when I have an issue with my XXXX grace period that took place nearly 10 years after the XXXX. I have request documents from 2005 but they have not arrived.
Product: Vehicle loan or lease

Purchased XXXX XXXXXXXX XXXX on XX/XX/XXXX from XXXX XXXXXXXX in XXXX, NC. The vehicle was financed by XXXX XXXX XXXX total amount finance XXXX. The first XXXX payments was made in the amount of {$700.00} but the balance owed never changed. Even when Im late I pay the regular payment & late fee, but the amount applied varies. I been making payments but still owe over {$24000.00}. Something not being calculated properly. If I try to trade the vehicle it will have me negative of {$14000.00}. I need help in getting my account accurate.
Product: Debt collection

Evans & Green, LLP in XXXX, MO was hired around XXXX 2017 to collect a debt from our business regarding advertising with a local tv station - XXXX aka XXXX XXXX XXXX. 
During the attempt to collect the debt this law firm as repeatedly come into both retail stores taking pictures, harassing employees telling them that the store will be closing because all assets are being seized, harassed employees over the phone. 
Now as of today this law firm has posted defaming comments on both stores XXXX pages on all of the posts attempting to announce the unpaid debt to all of our companies XXXX fans and customers. The posts appeared 21 times throughout both XXXX pages. 
This is clearly a violation of privacy and a violation of the Fair Debt Collection Act.
Product: Mortgage

I have been trying since XX/XX/XXXX to get this recitified [ Note : from XX/XX/XXXX-XX/XX/XXXX, i had several health issues that were present and known about by ex, courts, lawyers, XXXX etc. ] In divorce ( XX/XX/XXXX-XX/XX/XXXX ) I was given a home that never had been properly apprasied/or assessed in divorce and apparently years before-even though I tried to tell judge this in divorce, etc.As with many things in thsi divorce, much was not either not done properly ( i.e. actual and true docs/testimony of ex/his lawyer ) or not at all ( SS, bank, loan, statements submitted ). Anyway, when I learned that ex had refinanced ( found out after divorce when I contacted Ocwen ), and I was trying to get them to do so with me, ex was trying to not be found out and my lawyer failed to help me when I was having problems with them ( though she knew I was had health issues, etc. ) and basically I had been lweft with a huge mess as it turned out. I contacted right away XXXX ( Iowa XXXX ) in XXXX XXXX and in XX/XX/XXXX I got contacted that they had contqacted Ocwen, but I was n't on the paperwork=to amke this short from XX/XX/XXXX-XX/XX/XXXX i had o lawyer ( legal aid on several attempts as well as XXXX ) failed to help me or anything-it went to forecloseure, even though I showed Judge XXXX XXXX ( who had been judge on settlemt conferecnes in divorce anddivorce, etc. ) that the lawyers helping Ocwen ( XXXX XXXX ) had siad they knew Ocwen did n't want to acknowledge me since i was n't on paperwork ( they wanted to go around court-i was suspious and concerned since I did n't have legal counsel, so I hoped soemthing would get resolved ith XXXX, etc. ) I still live in home, partly cause things were n't done right, home was under what they were told by ex it was worth ( {$83000.00} and when i had help getting county assesssor to look at home XX/XX/XXXX, she said home not worth even XXXX {$2000.00}. ex had a {$50000.00} or more laon on it ) I almost died as well, when furnace was leaking CO2 and almost exploded XX/XX/XXXX-as stated before, judge knew there were issues with home durng divorce. I contacted Iowa Attorney 's Office as well in XX/XX/XXXX, and subsequent years=i have been trying to get people IAoffice and other sto help me get part of settements that have been happening last sevral years with no avail When I recently conatcted Ia.Attoney 's office in XX/XX/XXXX and XX/XX/XXXX i was told newer settlements have been happening and fraud concerning people having to get high insurance on homes that was either unresonable or not relevent. I believe I qualify on all these issues. I am on XXXX and my home is not greaty livable=I need someone to really help me, because others have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : On XX/XX/XXXX, XXXX / XXXX obtained a hard inquiry of my credit history. I have never had a business relationship with this company, ever. On XX/XX/XXXX and XX/XX/XXXX, SYNCB / XXXX obtained soft inquiries of my credit history. I have never had a business relationship with this company, ever. 
I investigated these two companies and discovered they are associated with Paypal. I have never had nor do I want a Paypal account. This company has no right to my personal information. 
I demand that XXXX/XXXX and SYNCB/XXXX remove all requests from my history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, The below inquiries were made without my permission and have been affecting my credit score for the past year and a half. 

XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX  XXXX XX/XX/2017 XXXX  XXXX  XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX  XXXX  XX/XX/2017 XXXX  XXXX   XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX  XX/XX/2017 XXXX  XXXX XX/XX/2017 XXXX  XXXX   XX/XX/2017 I have tried for the last year to have these inquiries removed and have been subjected to a non stop runaround from both the initial inquiry creditors and the credit bureaus. I believe that my ex husband had used my credit information to try and buy a car in XXXX/XX/XX/2017 but was unsuccessful. I have called the creditors and been told to dispute this with my crediting company however Transunion refuses to remove these inquiries without some type of removal letter. When i called the creditors to obtain this letter they informed me it does not exist and they refused to send confirmations for removal to Transunion because they would have to admit fault in a hard inquiry placed without my explicit permission.I just got off the phone with a transunion customer representative AGAIN and their issue is the same. That I can not file a dispute with them to remove these inquiries without written confirmation from the creditors, which they will not give me. 

Please help me, These numerous hard inquiries are ruining my credit and I do not know what else to do. 

Thankyou
Product: Checking or savings account

I was charged excessive fees by TD bank for the following dates and amounts : Tuesday, XX/XX/XXXX, in the amount of XXXX dollars, Monday XX/XX/XXXX, in the amount of XXXX dollars, Tuesday, XX/XX/XXXX, in the amount of XXXX dollars and Tuesday, XX/XX/XXXX in the amount of XXXX dollars. This is XXXX dollars in total for over draft fees. I attempted to reach out to a branch employee but When i attempted to go inside he branch, I was advised that they were closed, although there was 20 minutes still left until closing. May you please assist?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,   XXXX   Account name Collection Consultants of California  Inc. ( C CC )  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX , CA  XXXX  (  XXXX  )  XXXX  Account number :  XXXX   XXXX . CCC letter correspondence  XXXX   XXXX ,   XXXX  .     Original creditor  :   XXXX   XXXX   XXXX   XXXX  We are writing to ask that CCC update our account, and that you inform all  XXXX  credit reporting agencies to delete all CCC account activities from our credit report.     CCC has inaccurately reported account activities to the credit reporting agencies and negatively impacted our credit report and score for several years.     We will use all legal means to protect our rights and accurate account reporting.     CCC has unfairly and unreasonably approached alternatives to delete all account activities, similar to other account payment companies.     However, in order to reasonably close this matter, we are requesting that CCC mail us a formal response offer to significantly reduce any open account amounts and an offer to delete all account activities from our credit report immediately.     We will then review your offer and contact you.     Thank you for your consideration.          XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , CA  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

1.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 60days. I need these account and inquiries 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  - XXXXXXXX XXXX - XXXX XXXX  XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX  - XXXX
Product: Vehicle loan or lease

Its has been a struggle, with this company getting my XXXX  refund back from Santander Consumer USA. XXXX  sent them a check back on XX/XX/2021. Ive been calling them around XXXX XXXX to see if they received the check. I called several different representative at this company even spoke with Managers never received a valid answer. Only XX/XX/2021 a rep informed me my check was sent out. I called back a week later the gentleman told me, he do not see a check in the amount of {$570.00} and hes not sure why the person told me that. So once I ended the call with him. I contacted XXXX to advance them of whats happen. XXXX informed me they cashed the check on XX/XX/XXXX, n gave me the check #. Rep has hung up on me when ask to speak with management ( XXXX ), also keep you on hold for 15 minutes without coming to check or give you a status on whats going on. Something need to be done with Santander Consumer USA. I still havent received nothing. Its even hard to get through once the account is paid off. This place should be closed down toooo many complaints on XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process e was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Credit Collection Services Amount {$310.00} Its been well over 3 years for the duration of the time on my XXXX credit report Acount is open and was removed from all my other credit reports