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

This letter serves as a second formal complaint that inaccurate and incomplete information is being reported on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately notation date and balance whether reported or not. 


The XXXX  days past due payments that are being reported are for months that I was granted an extension arrangement which according to XXXX policy : An extension arrangement is available to customers experiencing temporary, financial hardship to defer XXXX or more installment payments to the end of the contract term.

When a payment is deferred to the end of the contract, the scheduled contract maturity date, or final payment date, will be extended by each installment that was deferred and may result in the assessment of additional interest. 

How can I be XXXX  days past due if I made a payment arrangement with XXXX within my due dates and before my grace period ended. XXXX never reported any past due payment until after my auto loan was paid in full. 
I started applying for extensions because of billing errors on XXXX end. I was being charged for payments that was already paid. They never admitted to this, but I have since received checks from XXXX for the overpayments. 
I respectfully request to be provided proof that these payments were in fact late. By the provision of the consumer laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL ( Paid as Agreed. Never Late ) and supply a corrected credit profile to any creditor who have requested my credit report in the last XXXX months. 

I have attached copies of my transaction history printed from my online account with XXXX and my payment history that was emailed to me from XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am XXXX  upset at how the credit bureaus have allowed fraudulent accounts report on my consumer reports. This is not fair to me and my family as I am trying buy a house for my family and I can not do so because the negligence of the credit agencies allowing such accounts to be reported. I have wasted alot of my time with house shopping just to find out I have accounts thats not mines on my report. I take my credit very serious. So this is a defamation of my character and negatively impacting my livelihood. Please help me resolve these issues. I pay my bills on time. According to 15usc 1681 I, the credit bureaus should be in compliance and not neglecting my consumer report. As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and XXXX  stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX SC, XXXX XX/XX/1985 Last 4 of SSN : XXXX XXXX XXXX To Whom It May Concern, On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were ( INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I have sent proof that there is a substantial amount of errors on my credit file varying from ; Experian, XXXX, and XXXX. I have done so more than once. My credit reports still reads errors, which goes against the FCRA. 
( FCRA states all items reported by a furnisher must be 100 % ), and you still refuse to remove those accounts. Every piece of information I provided was/is enough for items to be removed. I attached an updated report that shows that after the first investigation, even when the credit reporters said their investigation was completed, they did not update any information and my report still reads the same thing. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX XXXX.
Product: Mortgage

Bayview LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Once again we cant get Bayview to service their loan unless we file a CFPB complaint. 
Even Bayviews own attorney is frustrated with Bayview. The attorney informed Bayview several times over the last week - to remove the litigation flags preventing Bayview from speaking with us. Bayview is ignoring their own attorney and is refusing to remove the litigation flags, and therefore speaking to us, XXXX XXXX XXXX, as an authorized third party. There is a foreclosure date coming up very quickly and we simply do not have time to allow Bayview to continue playing these games. XXXX It is apparent that Bayview is ignoring their own attorney in order to force this property into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I bank with Citi Bank and I have been having trouble getting my money I use my card every time its a fraud flag locking my card dropping my limit I change my phone number Sunday they told my they couldnt verify it they have my money and keep giving me run around like the are trying to keep my money i they are the fraud ones Ive seen so many comments about the same problem Im having with other customers also just because I change my phone number XXXX cant access my account or money and the agent lie about everything and catch them in lies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, the following accounts has violated my rights : XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C . 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1682 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts that appear on my credit report do not belong to me, they are hurting me, please check them WF BANK NA Account Number : XXXX This is not mine. 
. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Accountsk and Acct # 's : XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED, XXXXXXXX XXXX XXXX Opened XXXX {$150.00} XXXX XXXX XXXX Opened XXXX {$670.00} XXXX XXXX XXXX Opened XXXX {$1200.00} XXXX XXXX XXXX Opened XXXX {$2500.00}
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penaltyofperjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

on XX/XX/2020 I mailed a letter requesting verification of inaccurate accounts listed on my credit report. I never received a response. On XX/XX/2020 I mailed another letter. Still no response and these inaccurate accounts are still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I monitor my credit on a daily basis. I currently have 4 derogatory marks on my credit report, 3 of which are through a debt collection company, otherwise known as, Portfolio Recovery Services. Portfolio Recovery has continued to show that I currently owe " XXXX XXXX XXXX XXXX  XXXX XXXX XXXX '' all 3 of these different debt collection amounts ( I'll include dates for each amount, each amount is it's OWN collection account as well ). First : {$1000.00} Origination Date : XXXX. Second : {$730.00} Origination Date : XXXX. Third : {$500.00} Origination Date : XXXX. 
All three of these debts show that XXXX XXXX was the original lender. 
I've disputed all three through XXXX XXXX on both my XXXX and XXXX reports but to no avail. 
Now, the problem is, I've only ever been approved for 2 XXXX  XXXX credit cards, both were XXXX XXXX XXXX cards and both had a limit of {$300.00} with the exception that one of them had XXXX cashback option and the other had a {$150.00} Cashback option. If I remember correctly, I was accepted for my first XXXX  XXXX card in XXXX or XXXX and I honestly can not recall if I ever even made one single payment on it ; it is a possibility that I did not. 
Strangely enough, in XXXX, I applied for yet another XXXX XXXX XXXX card and was approved for a {$300.00} limit with {$150.00} Cashback. XXXX was a year of extreme financial hardship for myself and my family, so I don't think I ever made a payment on it either. 
I am aware that credit cards have fees included and especially high fees on Cashback, but there is absolutely no way humanly possible that two {$300.00} limit credit cards, that I defaulted on, could ever equal the total of the three accounts that Portfolio Recovery Services is showing that I owe them. 

- Thank you for your service and for your time. I appreciate your assistance in this frustrating matter.
Product: Debt collection

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit pulled for the very first time in XXXX of this year to discover that someone else 's bills were reporting on my credit report. I am XXXX years old and have never had any credit established in my name until just 9 months ago when I got my XXXX XXXXs account and that was only a small {$250.00} limit. When I got my credit report I was shocked to see 3 collection accounts with XXXX XXXX XXXX, XXXX, and some company named XXXX that I have no clue who or what that is. I have a prepaid phone since I was XXXX with XXXX because that is all I can afford with my part-time job. XXXX XXXX XXXX and XXXX both declined me for a phone and plan with them. I submitted a dispute on XX/XX/XXXX to inform all 3 credit bureaus that these collection items were not mine and that they needed to remove them from my credit report. I got a response from was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me ; XXXX XXXX response was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me, and Experian 's reply was that they verified that all 3 collections items belonged to me. I responded to all 3 credit bureaus advising them that their results could not be true and that I would like to have them mail me the proof of how they verified these items they refused to remove and mail me a copy as it is my right under the Fair Credit Reporting Act. None of them responded to my 2nd or 3rd attempt. It is now 4 months since I alerted these credit bureaus that they are reporting inaccurate information on my file in violation of my rights and they will no longer respond to my letters. I am seeking to be a XXXX one day and my credit is a big part of me getting there.
Product: Debt collection

My daughter forgot to return her cable modem after she graduated college. We returned it and received confirmation of delivery on XX/XX/2022. I have continued to receive calls from Financial Accounts Service Team out of XXXX, TN. I communicated with them months ago that it had been received and gave them the tracking number. They continue to call, so i stopped answering. On XX/XX/2022, I answered the call. Typical call " this is an attempt to collect a debt '', I told her again, it was returned back in XXXX. She put her supervisor on the phone, and the supervisor acknowledged that she did not mark my account correctly from the previous calls and said she would get it corrected. Then she mentioned my credit report. After we got off the phone, i checked my credit and they put a derogatory mark on my credit pm XX/XX/2022, dropping my score by XXXX points. I WAS in the middle of a refinance with XXXX XXXX  that I no longer qualify for. The company will not take my calls any longer.
Product: Debt collection

received notice from collection agency that I owed over XXXX to a credit card from TJMAX which I do not have I have never been in a TJMAX. This was through Syncrony Bank and done XX/XX/XXXX. I had just opened an account at XXXX store in XXXX through Syncrony Bank and one month later I receive a letter from XXXX It was sent to XXXX XXXX My name is XXXX XXXX. He or she also had my social number and birthdate. This is not me who did this. My credit is excellent
Product: Student loan

I currently have over XXXX in loans that continue to accure interest, and AidVantage is not giving me an option to reasonably pay this back. I currently make about XXXX dollars a year, and was hoping to make monthly payments so I could pay it off. I applied for Income Driven Repayment program, so I could make monthly payments. However, AidVantage is not currently processing applications. I asked them if there was any way I could make reasonable monthly payments. They said no. They placed me on processing forbearance that allows my loans to continue to grow in interest. I asked them if they could at least put my loans in administrative forbearance so my loans would not grow interest, and they also said no. Per the guidelines, people can be placed in administrative forbearance if your loan servicer time needs time to process a repayment plan. Other people with a similar situation have, so I feel this is unfair.
Product: Credit card

A company by the name of JPMCB CARD reported transaction and experiences on my account without sending me a statement in accordance with 15 USC 1666B and 15 USC 1637b. They are in violation, and they are reporting a late payment in my consumer reports with providing any of the information as they required to provide.
Product: Mortgage

I noticed on XX/XX/XXXX as I look through my bank account that the company I have a loan through, mortgage pull out her dollars and I thought that was kind of odd come to find out he can pull in {$530.00} out of my account since XX/XX/2022 I contacted Faye servicing And I was told that I was going to get refunded. They had no idea why they were pulling XXXX away now they opted not to refund my money leave it. And then you take the mortgage payment each month. Id really like to know, why is it OK for them to go in without my permission into my bank account still {$7000.00} and its all OK I would like someone to call me XXXX. My name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It could be that this creditor just made a mistake because I assure you XXXX XXXX wasnt paid late, its in deferment payments were reduced.. Please verify and delete it from my credit report.. .The error has affected my credit score..CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request to Experian to correct the information that is displayed on my report. Experian is falsely and negatively reporting 2 loans with the same company for one vehicle. The reporting shows two different account numbers and status. This is nefarious and deceptive. This inaccurate reporting has caused me significant financial harm and is a violation of FCRA.
Product: Debt collection

I have disputed items on my credit report from this company asking for verification and validation of a written agreement with them. This company has verified my account as accurate and sent a copy of a credit card statement. This is no showing that the information is accurate or owed to them. After I submitted a disputed they have since added new records to my credit report for the same company but different amounts. They have failed to respond the the other disputes I have filed but have makes them as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first CFPB complaint today, and I am not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be deleted. These are the following items that are needs to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to address this issue promptly.