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

This company is stating that I opened up 4 accounts. It says I owe them $ XXXXon 4 different accounts. I explained to them that someone stole my social security number. I proceeded to ask if I can speak with someone that can help me because I didn't open these accounts. They said that there was nothing that they could do for me and that i would have to pay.
Product: Mortgage

After a post covid flex modification, Caliber has not settled my account. I have continued to make my monthly payments that were agreed to in the modification and am seeing now a new random charge of XXXX which is not related to my monthly payment. This is not my monthly payment and I have called in 4 times and been told that I have money in a suspense account that needs to be applied to my an outstanding random balance and to not make payment unless I want to pay a month ahead. Yet, they now have reported me being late on payment to the credit bureau. This is illegal to report me late if it was a result of covid and the modification process! They also indicated that this mess is all because they said they got a new software system when I was coming out of forbearance. I am at my wits end with this company. Please help me get this resolved and fix the credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that this account will be corrected. 

XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ) 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 in ( MONTHS REPORTING LATE ) 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. 


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


I have requested proof that this information was mailed or delivered 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, credit repair services, or other personal consumer reports

i filed a complaint against experian here with the CFPB file # XXXX which was forward to Experian, and Experian responded since CFPB is a 3rd party they cant file the dispute, it has been almost 2 months since then, they requested my drivers licence which they have it already on file i gave it to them when i disputed this item, so they sent out this letter to CFPB and to me this is a stall tactic Experian is using so they should n't have to make a dispute, i need this to be removed from my report since Experian has no reason not to initiate my dispute, because Experian knows that i was the one to  dispute this item on my report its very clear that Experian is playing games, who ells wants this item off my report if not for myself? and Experian knows that i sent in the dispute, its been more then 30 days to investigate i by law Experian needs to remove this item from my report
Product: Debt collection

Account in question : Consumer Adj Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable. 
The following closed account appears on my credit report, yet there are inconsistencies in its reporting : 1. XXXX XXXX XXXX  This account does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records. 
Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness. 
Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have not supply proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exist. 
This debt collector has not provided me proper debt validation for this average debt. 
The List of accounts below has violated my federaly fipteispute suastiner rights to prifarcy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a a thout my written instruct 15 U.S. concur.

consume items of in information action States : no ency may make any XXXX staining any of the following Any other adverse item of XXXXXXXX XXXXt by more a consumer to any consumer reporting agency it the pers
Product: Debt collection

Ok so ive verbally told this company over the phone now 4 times .... they called today everytime from a different number ... i need to talk to a attorney, im done with this!
Product: Debt collection

I have confirmed that information provided as debt validation from the company is inaccurate and according to my FCRA rights, I have the right to dispute incomplete or inaccurate information.
Product: Credit reporting or other personal consumer reports

To whom it may concern : The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt load or balances can have on your life if they're left unchecked! Debt load or balances can have a huge impact on our lives if they're left unchecked, so it's important to report any derogatory information accurately and compliantly. I am requesting that you investigate the validity of the allegations in my credit report, and if they're current and compliant with regulations, then we'll leave things as they are. However, if any of the information is not accurate, I demand that you remove it from reporting immediately.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF THE RECENT EQUIFAX DATA BREACH PLEASE REMOVE AND BLOCK THESE ACCOUNTS
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Case number XXXX On XX/XX/2021, at XXXX, XXXX XXXX XXXX wrote : XXXX XXXX XXXX XXXX XXXX ks XXXX Can you explain to me how a Mildland has tried to falsify a debt thats never existed? I made all payment s on time last payment which brought my account to XXXX was on XXXX XXXX the account was closed due to inactivity. But I owe nothing my balance is XXXX and everything then a year later midland makes a falsified account. I never even had a late payment. I would like this removed and actions taken against them for falsifying information and for the slander that they have put towards my name I would also like the credit inquiry from either XXXX  or XXXX removed if one exist. So for XXXX  years this company has wrecked my credit and name. Im going to need monitary compensation due the the harm they have done plus its criminal activity fasify documents and harassment slander impact on my credit.And {$750.00} is not enough. I see I have grounds for a lawsuit
Product: Credit reporting or other personal consumer reports

My wife and I requested a quote from XXXX for some storm doors. After the quote, we let the XXXX representative ( XXXX XXXX ) know we wanted to think about it. He asked if we wanted to apply for financing and we said we do not want a hard pull on our credit. He then offered an application we could submit and promised it would not be a hard pull. He insisted multiple times that it was a soft pull to get pre qualified and it would only turn into a hard pull once we were provided with a rate and monthly payment and accepted it. But thats not what happened. My wife and I applied together and immediately after it was approved, it pulled our credit. We reach back out to XXXX and he said he couldnt fix it. The financing they had us go through was XXXX XXXX. That is what it shows on our credit report. XXXX said they would not be able to fix it even if their representative falsely promised us that it wouldnt be a hard pull. We then reached out to XXXX credit and they told us they will not do anything or request an amendment or have it deleted because we filled out and submitted the application. This situation is completely unfair and I have had this happen to us once before and it never got fixed. I have text messages from XXXX promising it would only be a soft pull until we accepted the terms offered. We never did. Please help get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recent report contains unauthorized inquiries that I would like to get remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amounts of the accounts on my report that I know do not belong to me. XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), There are also inquires that were not authorized by me : XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX and XXXX XXXX XXXX | XX/XX/XXXX. I have contact the FTC and local police and doing this on my own behalf. Please remove these items off my credit report.
Product: Money transfer, virtual currency, or money service

I open my PayPal account was using it peacefully and had no issue until I was in XXXX XXXX, I add money to my account to buy my ticket back to XXXX when I release that I cant use my PayPal debit card even being that I just load money. That was the only cash I have, I have to get stranded in XXXX XXXX for two days going back and forth with them. They said there are account which are linked to my name and social and have negative balance which I have to resolve, I send them information like police report and XXXX XXXX report on my information being compromised but it been almost a month now, last week they sent me an email saying my account has been restored, view and when I when I check it was not and during that time I couldnt do anything to my account, and I saw a transaction being made for XXXX XXXX for XXXX $ which I haven no idea how that happen, as of now, my account is frozen with XXXX . I am writing for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

1., XXXX never furnished proof of purchases With Over 5000 of fraudulent charges. This account was a result of fraud and not mine credit. 

XXXX provides a letter in XX/XX/2018 stating that they were unable to verify charges and purchase. 

I never open account with XXXX .A copy was also sent to credit agency and it was never removed item.
Product: Debt collection

I have been sent a letter in the mail demanding {$1600.00} - I will not pay this & I am disputing the validity of this debt
Product: Checking or savings account

On XX/XX/year>, an unrecognized and unauthorized charge of {$1700.00} from XXXX appeared on my Chime checking account. After attempting to reach XXXX to no response I opened a dispute through Chime customer support on XX/XX/XXXX. A day later the dispute was closed without even contacting me with no evidence provided to me nor any further communications requesting any additional info. I appealed the dispute and the same thing happened. As of XX/XX/year> I have disputed and appealed this charge over a dozen times and Chime still refuses to give me any explanation or reasoning that goes into their decision. Each time I call Im given false hope and told to wait another week just for nothing to happen about the fraudulent charge and this has gone on for months! I feel like no real people are reviewing the dispute and an automated system is just automatically denying it
Product: Payday loan, title loan, or personal loan

We have experienced several issues with this lender mostly with communication and customer service. Not being able to contact is the closest choice to what we are experiencing which is complete frustration. I am extremely busy with a very demanding full time job. I took out two rather small loans last winter with the help of my wife 's research online. One with this lender and another. We are having no problems with the other lender who is very easy to deal with. This lender has nothing but frustrating policies. They will not talk to my wife even with my permission. In the beginning when my wife tried to call, even after I got on the line to give permission, they gave her a hard time and when I emailed the to tell them I want my wife to be able to speak on all matters they refused unless I completed some notarized papers that I have no time for. The other lender has no problem speaking with my wife after I gave this permission over the phone, once when we took the loan. Upstart will not even let my wife call to make a payment! All reps just repeat the same boiler-plate statement that they can not disclose any info. She is not asking for info to be disclosed in any way. She just wanted to make a payment. She can't even do that. Then I wanted to change my email and emailed them about this at least four times if not more. The customer service department keeps insisting that there is a link on their website to do this. The same person has been answering our emails since early XXXX. We tried over and over and there is no link for this. It leads us to a link to change our password. An arrogant customer service rep in Upstart operations actually told us tonight that the case is closed and they have answered us! I am fed up. this is the worst company to deal with. In the beginning right after I took this loan out they accused my wife of trying to call up and impersonate me. Even a supervisor accused her and it was finally investigated and after pulling the calls they admitted that she never did! What is this? The treatment is awful. I will never take out another loan with this lender and I want this known.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification on    XXXX   XXXX   XXXX      of a new inquiry from Cash Central at  XXXX   XXXX   XXXX   XXXX   XXXX  Utah  XXXX . I called their customer service line at  XXXX  and after being placed on hold by the automated system and again by the first customer service agent,  XXXX , a supervisor that refused to give me her last name, told me that an inquiry was generated for a loan but the application was denied. She refused to tell me who/where the inquiry came from stating that she did not have access to that information. She said that she will initiate a removal of the inquiry but did not give any other information such as how long it would take or what courses of action I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in updating the negative accounts that were previously listed on my credit report. For now, I believe there are still issues with my file that need to be corrected. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I opened an account with Tower Loan. After a year of installment payments the account was closed. Final payment was made and all debts were settled. Shortly thereafter I noticed a default payment posting onto my credit reports ; XXXX & XXXX stating a XXXX late payment. I contacted Tower Loan about the report and their response was and still is ... .. that once an item is reported, it is company policy " not to remove ". But contradiction shows otherwise. In XXXX XXXX this item was removed from my XXXX report. Thus proves '' false reporting " to this day on my XXXX  report!!
Product: Student loan

I had been accepted into XXXX XXXX University in XXXX XXXX, XXXX. I was an out-of-state student who lived in a small town in XXXX. I was informed I would get a {$5000.00} a semester scholarship XX/XX/XXXX and about {$1000.00} in a grant but I would have to come up with the rest of the money, myself, offering student loans both federal and private. I was not approved for much for federal loans but the private loans were pushed and accepted at $ XXXX per semester and even $ XXXX- {$40000.00} for a couple of semesters with a co-signer. It started with XXXX XXXX then it went to XXXX XXXX, XXXX and I ca n't even remember the other. Now, I 've gone through a " plan '' that was supposed to be 10 consecutive, on-time payments and have given them hundreds of dollars through which this " plan '' was purchased by XXXX. I 've been getting harassed by American Education Services since XX/XX/XXXX along with my mom and dad and even an aunt, my sister, and my best friend. That has continued to include National Collegiate Trust. Both of my parents have filed and won bankruptcy, separately, and while we know federal loans ( though we 've paid tens of thousands in the past 7 years ) are n't included in bankruptcy, the point is that we are all under a hardship. I called AES, today, to see what was going on and I was told that they could n't accept any type of payment other than over the phone and it had to be by checking or savings account, only, and credit cards and prepaid cards would not be accepted. My loan amount has n't budged although I filled out paperwork packets after paperwork packets leaving us all on edge and heavily confused with what to do or which way is correct. I have statements, emails, notes, and letters that I can provide but will need to have some time to gather ones from my parents. My husband and I are expecting our XXXX baby in just a few short months. I 'll be out on maternity leave and will not be paid for the leave.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$740.00}
Product: Checking or savings account

I received emails around XXXX on XX/XX/2023 saying my checkings account from Citizens Bank was successfully opened. I called citizens bank and they confirmed I had an account opened this morning at the time I was at work and unable to actually open an account at Citizens Bank.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B obliges us to delete any incorrect accounts from my credit report. Could you verify the documents? Some of the accounts mentioned have inaccuracies in reporting, amounts, and dates.