23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM IN THE PROCESS OF BUYING A HOME AND I HAVE REVIEWED MY CREDIT REPORT AND SAW A FEW INACCURATE ITEMS AND ITEMS WITH HIGH BALANCES THAT ARE PREVENTING ME FROM CLOSING OUT MY DEAL. I AM AWARE OF THE ACCOUNTS SINCE LAST MONTH AND I AM REQUESTING IMMEDIATE REMOVAL OF THOSE ACCOUNTS DISPUTED ON THE REPORTS ATTACHED. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT.
Product: Debt collection

I experienced a financial crisis due to a series of unexpected life events, including a divorce, caring for a child with special needs, dealing with a terminally ill parent, and ultimately experiencing their deathall while I was on active military duty. Additionally, the military pay system made errors that resulted in erroneous debt collections, further complicating my financial situation. Shortly before retiring, my military records were incorrectly updated, causing delays in my final pay, pension, and XXXX payments. These circumstances almost led to homelessness. 

Fortunately, I received assistance through the VA referral program, and after XXXX months, I began to regain my footing. I was enrolled in a debt counseling program, aiming to pay off as much of my debt as possible, but once I began working as a XXXX, I began to aggressively tackle the debt that accumulated during my crisis. Among my creditors is XXXX MILITARY LOANS, a lender that claims they provide federal funds despite primarily operating as a commercial entity working with XXXX XXXX military members. The claims of federal funding have prevented their participation in my debt counseling program. Instead, they demand full payment upfront and continue accumulating interest on my collection account. However, even federal funding allows for monthly payment agreements, although they do not participate in credit counseling programs. 

My credit report lists the account under XXXX, but it is serviced by Sunrise Credit Services. When I contacted this company, they informed me they needed to contact XXXX. However, XXXX has refused to provide any statement or discuss the account with me. I have spoken with XXXX XXXX on XXXX occasions, during which she claimed a settlement letter was sent to my emailthis is untrue, as I have received nothing from them. When I requested a statement, she asked, Why would I send you a settlement letter if you do not want a settlement? I clarified that my intention is to resolve the account, but I need to review either a statement or the settlement offer. 

I believe they are employing predatory tactics by insisting on an upfront payment that would plunge me deeper into financial distress, as I can not afford to pay nearly $ XXXX $ XXXX all at once. I am undergoing a government security vetting process that I have maintained for over XXXX years, consistently self-reporting. However, this is one of two issues hindering my progress and jeopardizing my employment. Without stable employment, I am unable to make any payments towards my debt.
Product: Credit reporting or other personal consumer reports

It has come to my concern that even tho the CFPB has put a new law/rule into place regarding the reporting of alleged medical debt {$500.00} or below you are violating my consumer rights. 

The below account is reporting {$340.00} on my consumer report which clearly the CFPB says that these accounts must be deleted from consumer credit reports! 

Two-thirds of medical collections on credit reports will no longer be reported. Starting in XXXX, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting.
Product: Debt collection

My Identity was used to create account number XXXX without my authorization I have XXXX and FTC Identity Theft report on this matter.
Product: Checking or savings account

Navy federal keep charging me NSF Fees Which is putting me in more financial debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Citibank just acted most unfairly by charging me late fees without any type of notice. I only came to know about after seeing the results from my credit report where my FICO score has been impacted by reduction of XXXX points for a delay in payment for which there was no notification provided. After seeing the issue I went onsite and tried to reason with them and they still charged me {$80.00} over the original charge of {$20.00}. The most disturbing thing is that I have XXXX additional cards with Citibank which have never been late. It is also sad that they did not send any type of paper based statement to indicate delay or even considered making a phone call to indicate that there was delay in payment but kept charging me and then ruined my credit by reporting to XXXX without considering the ultimate consequences on my overall future to get great credit opportunities. I will like them to make amends by at least making sure that this negative information is removed from my credit report and ensure that an apology is issued to me for causing this level of stress.
Product: Credit reporting or other personal consumer reports

During XXXX in 2020 my payments were put on deferment to be added to the end of the loan but the company did not honor the agreement and wanted the back payments all at once. I was able to bring the account current paying the amount that was requested but the company made a error on the amount of one payment so while I continued to make my payments on time for XXXX plus years it was off due to there error on calculating my payments. I since made the extra payment even though it was there error but they kept reporting late? I requested to have it fixed and deleted from my report but nothing has happened. It's been over a year and it's still reported on my report I would like it deleted immediately
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$6200.00} XXXX  XXXX XXXX {$9900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX Account : XXXX - Allegation ( s ) : Non-Sufficient Funds ( NSF ) Activity. 
These allegations have not been proven. Please remove XXXX XXXX XXXX  Account : XXXX - Allegation ( s ) : Overdraft. These allegations have not been proven. 
Please remove it from my credit report. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 
In addition, my information was impacted by the XXXX data breach and may have ended up in the wrong hands. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out several times for XXXX XXXX to be removed for incorrect reporting XXXX XXXX was a charge off reporting late every month they have been paid please update account or delete
Product: Debt collection

I have XXXX paid medical accounts that went to collection. They were quickly paid in full to original creditor. Collection agency reported inaccurate and incomplete information regarding these accounts before and after they were paid. 

Based on this poor account management XXXX and XXXX deleted these accounts from my file. XXXX continues to allow collection agency to verify bad information by rote.
Product: Mortgage

My loan was sold. The new mortgage servicing company has not contacted me in over 30 days. I have no information other than a letter from my previous servicing company stating the new company PHH Mortage is required by law to contact me within XXXX. I have received nothing from PHH Mortage in over 30 days. 

I would like to know the penalties and legalities of this issue, and get on record that I have received no communication or information as required by law. 

I would like to also know my recourse if possible.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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 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

RECENTLY CHECKING MY CREDIT FREPORT I NOTICED I'VE BEEN A VICTIM OF IDENTITY THEFT AND FOUND NUMEROUS OF CREDIT INQUIRIES AND FRADUELNT ACCOUNTS I HAVE NO KNOWLEDGE OF HERE ARE THE INQUIRIES AND ACCOUNTS I FOUND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDLENT INQUIRIES AND ACCOUNTS FROM MY CREDIT REPORT THANK YOU. I ALSO ATTACHED MY YDENTITY REPORT AS WELL
Product: Credit card or prepaid card

Today, on XX/XX/2020, I received an alert from XXXX that Best Buy Citicard reported  late payments. I closed my account on XX/XX/XXXX and at the time, I was not aware of any pending payments. My account is on autopay, so I didn't think twice about it. My last statement from the bank was on XX/XX/XXXX, so I didn't realize there was pending payments. The bank never sent me statements after closing the account and I was current with all my payments at the time of closing. I called the bank and rep could not tell me what was the pending charges. Kept insisting if I make the payments on the phone, she will waive last month 's fee. But I wanted to know what the charge was for as I didn't know there were pending payments and she kept saying it's for late payments. 

Initially I was unable to log in to my account as I could not log into my account. So I really needed the rep to help me with that. Finally I was able to access my account after finding my credit card still in my drawer and reset password. If I had received statements as it was sent regularly or if the bank had used autopay option set on my account, I would not have incurred lat payment. I am looking to refinance and it's really important that I don't have any new negative remarks especially when I have tried to keep up with all payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year and a half I have personally been trying to clean up and manage my credit. My credit is at its worst right now but as soon as I start having items removed for violations or even debt paid in full a random item happens to appear. 

About 2 months ago this item has appeared out of know where on my credit. I have no clue who XXXX XXXX XXXX is nor have I ever done business with this copy. 

So I sent a Validation of Debt to the address provided by XXXX, Transunion, and XXXX but only to have the mail returned. How can this company randomly put a item on my credit report and have a incorrect address? How can XXXX, Transunion, and XXXX allow this? I then send a proof the letter was returned to me to all three major credit bureaus. 

The account was never properly investigated if it were investigated at all. The all came back verified. How can you verify this company with they are not reporting a correct address on top of not having a phone number listed? 

I have a new born baby less than XXXX XXXX XXXX. How am I suppose to purchase a new car so I can get him to his new born Dr checkups?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a consumer auto loan with Navy Federal Credit Union. I was denied and advised upon calling customer service that I'd receive a letter with the explanation. The letter received advises that there were several factors for why I was not approved which included a credit score of XXXX that Navy Federal advised was provided to them by XXXX. On today XX/XX/XXXX I contacted XXXX  and they advised that they do not provide leaders with an actual credit score, they only provide the reports. I confirmed my XXXX  score to be a XXXX. XXXX  did not have historical information regarding what the score was on XX/XX/XXXX but I do know that when I checked my score on the XXXX via XXXX XXXX which is a XXXX XXXX product my score was also a XXXX at that time. When I contacted Navy Federal today XX/XX/2021 the representative was confident that they had been given a score of XXXX by XXXX XXXX. She also advised that the other reasons listed on Navy Federals letter had to have played a significant role in the denial decision. She followed that statement by saying that upon looking further into my loan application it looks as if the actual reason it was denied wasn't the credit report and score at all, that it based on something historical with my Navy Federal account. She advised that she did no have any detail regarding what exactly. To substantiate the information I am providing I have attached the letter from Navy Federal and a copy of my XXXX XXXX score XXXX XXXX as well as my credit score ordered directly from XXXX XXXX today, XX/XX/2021. Thinking back this is the second time Navy Federal has denied credit to me this year and I am suspicious that it was also denied the 1st time using invalid credit score information.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Debt Validation Request- Account Number XXXX Dear Portfolio Recovery, The last email that I received from Portfolio Recovery was on XX/XX/year> stating I owe {$1200.00}. I have also received phone calls before and after XXXX XXXX I am requesting that Portfolio Recovery provide verification of this debt. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I am requesting that Portfolio Recovery provide me with the following information to validate this debt. 

XXXX. The name and address of the original creditor, the account number, and the amount owed. 
XXXX. A copy of the original contract agreement. 
XXXX. Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
XXXX. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, payments made since the last billing statement, and the legal authorization for this interest, the date the original creditor claims this debt became delinquent. 
XXXX. Please also note whether this debt is within the statue of limitations and how that was determined. 

I would also ask that Portfolio Recovery cease and desist phone calls to my number, please only communicate with me in writing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 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. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 


2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 


3. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and a hard inquiry popped up saying that him something about XXXX  XXXX XXXX XXXX and I dont know anything about that I didnt agree on that so I will like this remove from my XXXX XXXX TransUnion report I talk with XXXX XXXX and they said they have no information also I spoken with TransUnion they tells me to call the police and XXXX XXXX is not helpful at all
Product: Credit card

I phoned Capital One on XXXX XXXX, 2015 to request a PIN number for my credit card. The agent helping me accessed and changed my personal information related to my account without my knowledge. This is a clear violation of the terms of service that Capital One has perscibed in our contract. I called Capital One and they offered no assurances that my personal information could be safeguarded from that employee, only that I would be alerted by email if changes were made. They offered no resolution and said that they would look into the matter