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

I HAVE BEEN DISPUTING INCORRECT LATE PAYMENTS ON MY CREDIT REPORTS FOR MONTHS NOW AND TO NO AVAIL THEY REMAIN IN ERROR. XXXX, TRANSUNION, AND XXXX FAILED TO PROPERLY DO AN INVESTIGATION TO HAVE THESE ERRONEOUS BILLING ERRORS CORRECTED. THE FIRST ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX WHICH IS FALSE BECAUSE MY PAYMENT WAS DUE FOR XXXX ON THE XXXX OF 2023, I MADE MY PAYMENT ON XX/XX/XXXX IN THE AMOUNT OF {$400.00} WHICH MEANS THAT I WAS ONLY XXXX  DAYS LATE AND NOT THIRTY DAYS LATE FOR THE MONTH OF XXXX. THE NAME AND ACCOUNT NUMBER ARE : XXXX XXXX XXXX XXXX. I WANT THIS ACCOUNT TO BE UPDATED FOR THE MONTH OF XXXX XXXX DUE TO AN ERRONEOUS BILLING ERROR. THE SECOND ACCOUNT THAT IS REPORTING INACCURATELY IS XXXX XXXX XXXXXXXX. THIS ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX XXXX MY PAYMENT FOR THIS ACCOUNT IS DUE EVERY MONTH ON THE XXXX AND I PAID ON THE XXXX OF XX/XX/2023 WHICH IS ONLY XXXX DAYS PAST DUE ( NOT 30 DAYS ). THIS IS ALSO AN ERRONEOUS BILLING ERROR AND NEEDS TO BE CORRECTED TO PAID ON TIME. BOTH ACCOUNTS BEING REPORTED ARE A VIOLATION OF 12 CFR 1026.13. I HAVE ATTACHED PROOF FOR YOUR REVIEW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXX Date of inquiry XXXX XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report. The inquiry was not authorized XXXX Date of inquiry XXXX XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX 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

This is my Second Complaint against Wells Fargo Mortgage Department : Background : My home insurance Break ( XXXX ). 
My home insurance was with XXXX ( Auto renewal policy ). However, XXXX has not renewed my home insurance because it wanted me to add auto insurance with home insurance for renewal ( an absurd policy of XXXX ). Since I was away from home, I haven't received prior notifications from XXXX, so I could not organise insurance elsewhere and the home insurance eventually got lapsed. 
Wells Fargo notified the lapse to me lately on XX/XX/XXXX via email ( 24 days later ), so I immediately started taking quotes and organised the insurance. It took a couple more days, as the insurance company required a drive- by inspection prior to confirmation of the policy and eventually it all set up from XX/XX/XXXX. I sent the policy pages to Wells Fargo immediately, so also the insurer. 
However, Wells Fargo insisted me to get coverage for the lapsed period. I have contacted the previous insurer, but they refused to do so. I was helpless to get coverage for lapsed period elsewhere and I notified it to the mortgage company. However, it enforced XXXX XXXX  for the lapsed period and charged me {$310.00}. I dont see any logic for such an action. 
I have also asked Wells Fargo to provide me the policy page and insurance details, but they have not provided my any such documents or receipt. 
I suspect Wells Fargo has a great deal of associate business with other insurance companies whether it is for home insurance/PMI insurance and charge the customers unlawfully. I request your intervention and check if the Banks policy is in violation of the State and Federal Laws. 




Email sent to Wells Fargo on XX/XX/year> : Hi With reference to your letter dated XX/XX/year>. 
I have contacted the previous insurer ( XXXX ) to get coverage for the lapse period, but they are not willing to accept it, as they want a multi policy to get home coverage ( email copy attached ). This is a very ridiculous situation and a corrupt industry standard. I am so frustrated. 
Had you reminded me a bit earlier than XX/XX/XXXX ideally within a few days after the lapse, I could have secured the insurance in a timely manner. I didn't realise that it was lapsed until I got your email notification. 
If you want to penalise me for the lapse, please feel free to do so. 
Regards XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

father passed and they put all his information on my credit changed my date of birth to his i have been trying to get it straight with no luck. the mortgage company want help i keep telling them. XXXX XXXX didnt pay out my claim for the reason of fraud but i did have a break in my house
Product: Debt collection

XX/XX/2019 I called auto phone line ( OPEN TO PUBLIC ) Requesting. AS A MEMBER assistance in REMOVING MY BANK INFO IN MY PROFILE * I WILL NOT BE PAYING ON THIS ID THEFT case XXXX ANYMORE. I spoke with usaa rep XXXX XX/XX/2019. USAA SUBMITTED A PAYMENT XX/XX/2019 ** I NEVER AUTHORIZED OR VERIFIED PAYMENT FOR ID THEFT DEBT. This is against Social Security Act section 207 BANKS FORBIDDEN TO COLLECT SOCIAL SECURITY FUNDS FOR DEBT. XXXX & Social Security RETURNED PAYMENT. I WENT EIGHT DAYS NO FOOD MONEY NO RENT MONEY. I NOW HAVE OVERDRAFT CHARGES IN MY XXXX ACCOUNT. ** I DEMAND WRITTEN DOCUMENTATION I AUTHORIZED WAS VERIFED TO POST THIS PAYMENT FOR THIS ID THEFT ACCOUNT OVER {$3000.00} XX/XX/2019.!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX It is showing that I still have a car loan when in fact it is paid off and I have title.
Product: Credit reporting or other personal consumer reports

XXXX Account Number : XXXX Reason : How are you reporting late payments if I am protected by the Cares Act. Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report.
Product: Student loan

I have contacted Key Bank uncountable occasions after discovering a the same one account listed three times on each of my credit reports. I informed them that I did not have a loan with them and they indicated I had one with XXXX XXXX. Well, XXXX owned up to saying that the loan is hers, which I attached the letter in which she sent on several occassions. Well, a XXXX XXXX XXXX indicated they would give liability to XXXX XXXX, my daughter if I could provide documentation with my signature from 2007 which I do not have. I think that is not practical for you to ask me for a signature from almost 10 years ago in which my signature is on the domicile, that I provided for you. The only thing that I can do is contact my mortgage company to see if they have it in their archive which is ridiculous. I understand that XXXX XXXX is doing her job but I think that I have more than proven I am not liable. As you know from when I first found out I have been back and forth with this organization and that is because I have no ownership in regards to this loan. Please, also know that this has played a massive impact on my relationship with my daughter, I should not have to be going through this. I know and understand that my daughter was extremely wrong in signing my name, but what this organization is taking me through, I am feeling victimized over and over. I have provided the letter from XXXX XXXX who is taking full responsibility. I have provided my domicile which has my signature and I was trying to demonstrate that during the origination of this loan, I lived at XXXX XXXX XXXX XXXX, XXXX, FL and then when I found out about it, I was living at XXXX XXXX XXXX XXXX, XXXX XXXX, FL, to demonstrate that I would n't have known anything about the loan. Between the XXXX address I have been residing in XXXX XXXX almost 20 years or more actually. I do not deserve to keep going through this. I am asking once again to please release me of liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX  XXXX account was opened due to Fraudulent activity I was never aware of this account and reported XXXX soon as I found out about it due to checking my credit score on XXXX XXXX for the first time in well over 7 years. TransUnion keeps adding this account after they take it off XXXX processed it smoothly but transunion keeps messing with my credit and I dont know what to do!
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a credit report from the 3 major credit bureaus XXXX, XXXX, and XXXX. I discovered a credit account from Alpine Credit that does not belong to me. I directly contacted Alpine Credit to dispute the account. The Alpine Credit representative stated, We do not have to talk to you about anything! Then, the Alpine Credit Representative hung up the phone in my face, and blocked my number. I cant call them back or speak to anyone at all. In the meantime, Alpine Credit is fraudulently reporting {$46000.00} in charges and collection on my account. This account is ruining my credit score and creditworthiness. Im being denied for credit and cant obtain any goods or services.
Product: Credit reporting or other personal consumer reports

I have provided a FTC Fraud affidavit to XXXX XXXX multiple time. They failed and did not investigate. Additionally they have refused to provide me with additional required documents to prove fraud. XXXX XXXX is now threatening me. This is harassment. 
Ive attempted to work with them to prove this is not mine.
Product: Credit reporting or other personal consumer reports

Ive asked all three credit bursitis to delete account : XXXX XXXX due to improper credit reporting under my FCRA rights that they have broken, they have continuously ignored the request and keep sending the investigation and collection back as ACCURATE when its not. 
This account was charged off which means it should not be reporting a past due balance or a balance. This dead account is also adding internet when it was already written off for {$3900.00} WITH A PAST DUE BAPANCE OF {$7600.00} so how can a CHARGE OFF collect interest and have a past due balance when they release this debt to a third party collection agency, An account can not have a payment history when the account is considered a " dead account. '' Remove ( XXXX XXXX ) from my credit report because you are continually reporting charged off status in the payment history all the way until ( XXXX XXXX ) when this account has been charged off on ( XX/XX/2020 ) You can not report a payment history on a dead account as it falsely manipulates the statute of limitations on when this account is supposed to fall off my report Because of this apparent neglect in assuring everything in my reports accurate consistent and up to date please " DELETE '' this item immediately : XXXX XXXX When the requested above deletions are made, please mail me an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX
Product: Debt collection

Dear XXXX XXXX XXXX and CITIBANK ; I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question. 
You have violated my rights under the following sections of the FDCPA : 1. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action. 
2. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter. 
* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken. 
3. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter. 
4. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein. 

Basically, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2020 XXXX called my XXXX year old grandmother who is in an XXXX XXXX XXXX, asked her for my contact information despite already having it on file and calling me repeatedly on such number. Told her they were trying to recover a debt from me. 

Called my previous employer after I had already informed them I no longer worked there. They did this in an attempt to embarrass me.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, XXXX, Innovis, XXXX, XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 6802. According to 15 U.S.C 6802 ( b ) ( B ), I was never given the opportunity to opt-out from having my personal information reported to third parties. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I am Attaching identity and proof of address!
Product: Credit reporting, credit repair services, or other personal consumer reports

Family Member obtained loans fraudulently, has subsequently been prosecuted and is serving a  XXXX  term  for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.
Product: Credit reporting or other personal consumer reports

I sent the information to Transunion to remove the late fee from the credit report because the company made a mistake and overcharged me. I submitted evidence that was provided to me and they still have not removed it I keep having a problem with this credit company and I want to know why.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 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 card or prepaid card

My ex husband and I had a joint account at Best Buy. He agreed to take the account and the debt in our divorce agreement. Citibank is refusing to remove me as a joint account holder although I am no longer legally responsible for any debt incurred on that account from the date of separation. My credit score just dropped 35 points because the balance increased by {$1000.00} and is now over the credit limit by {$500.00} due to his mismanagement of paying a promotional balance in the set time frame and being hit with an exorbitant finance charge. I do not have the full account number but the primary account holder is XXXX XXXX XXXX and the last four digits of the Best Buy account number are XXXX. 
I want to be removed from this account immediately. Simply having the account closed will not resolve the impact to my credit score. Citibank should be providing excellent customer service in this matter by removing me. Best Buy no longer offers joint accounts for this very reason. I should not be penalized for something that is no longer even in effect when it comes to applying for a Best Buy card.