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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : DisputedInquiry : 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 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/year> XXXX/XXXX  - XX/XX/year> XXXX/XXXX - XX/XX/year> XXXX  XXXX XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX  XXXX  XXXX - XX/XX/year> XXXX XXXX  XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX XX/XX/year> The following inquiries were not and should not be reporting.
Product: Debt collection

They have reported this to my credit and its been 7 years this shouldnt be on my account XXXX when this happen I should up on my account between XXXX XXXX XXXX  please send this company 10 years any things past 7 years isnt suppose to be on your credit it should. I havent open any new account with them why is this being reported I lost XXXX point due to this. XXXX this company needs to be out business
Product: Debt collection

I do not have that much information because it is at the beginning stage. I received a call from XXXX XXXX XXXX. Stating that i had an unpaid credit card from XXXX XXXX XXXX, and now it is in the collections stage. They said it was opened in 2015 on XXXX XXXX. This was the only information i received from them. After stating i was not going to confirm or deny any of my personal information over the phone they stated they would remove my number from the account. After I got off the phone i contacted the bank directly. I had them look up any information associate with my name and they could not find any such information. This company had my social information, but incorrect birth date and incorrect address. I looked at my credit report and no such charge was stated or occurred.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 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 60 days 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 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 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 XXXX
Product: Credit reporting or other personal consumer reports

Im writing because Im at my wits end with the errors on my report. These mistakes are dragging down my score, holding me back from opportunities, and causing unnecessary stress. Its exhausting to feel like my future is being limited by something so avoidable.
Product: Mortgage

Dear sir 's, I am writing to complain about our finance company. the name is Selene finance out of XXXX  Texas. We had started a process of refinancing with XXXX XXXX XXXX XXXX  in XX/XX/XXXX. Our personal contact was with XXXX XXXX XXXX. Working together we started the process which we understood to only be a thirty day process. W e helped pull our credit history. XXXX XXXX  scores were XXXX, XXXX, XXXX. Mine ( XXXX ) were XXXX, XXXX, XXXX. We contacted Selene and asked for a payoff amount, We had tried almost daily to get through, only to be told " we are experiencing high call volume '', and put on hold. XXXX XXXX tried contacting them also with the same results. When they finally got thru to someone, Selene said we were in an open bankruptcy. It was a lie. Selene has delayed the process so long that we were past our deadline and would have to start all over again, it's been almost 50 days. My husband has XXXX XXXX XXXX, he got while serving our country in XXXX  ( XXXX XXXX ), his hope was to get out of an open interest to a fixed rate before his health got worse. The stress of this whole situation has been so rough on him. He was looking out for me. We have tried to get them to send a payoff statement, the last one was the first week ofXX/XX/XXXX, iam still waiting for it. The false information they gave has cost us more than just time, it has caused us so much stress. Thank you for any help you can give, Sincerely, XXXX  & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account ( XXXX XXXX XXXX XXXX ) belongs to someone else with the same or similar name. Please delete.
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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. 


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 8
Product: Credit card

On XX/XX/XXXX I made an online payment, via ACH withdrawal ; in the amount of {$800.00}. By XX/XX/XXXX, the payment was posted to my account but my credit available did not reflect the payment. My credit limit still showed it was {$2000.00}, so I knew they didn't decide to lower it. On XX/XX/XXXX I contacted Care Credits customer service. I was informed that " it happens all the time '' and that " due to the large payment amount, the payment was being held until it cleared my bank ''. I thought this was odd as I have made payment of {$1000.00} and the available credit reflected the payment within two or three business days. After I hung up, I researched their terms and Conditions in regards to payments made online. I found that in summary, it says that the payment will post to the account within XXXX  hours and that the available credit, subject to funds received from the bank, will increase within XXXX business days. There is no mention regarding payments being held due to them being " a large amount ''. On XX/XX/XXXX, I checked my account and the available credit still had not reflected the {$800.00} payment. I checked my bank and the payment cleared through them on the XXXX. I phoned customer service again to be told that because the payment was over {$500.00} it was being held until the XXXX. I confirmed with him that they did receive the funds on the XXXX. I informed him that I have made payments in the amount of {$1000.00} and the payment was not held. He reiterated that that was their policy to hold payment over {$500.00}. I informed him that that is not stated in their terms and conditions for online payments. Again he stated that that was their policy. I asked for a supervisor and he said he would get one but they will tell me the same thing. I was then connected to XXXX. I again told her I made the payment on the XXXX and it cleared my bank on the XXXX but it still didn't reflect in my available credit. She told me, just as the man told me ; that it was their policy to hold all payments over {$500.00}. I read to her their terms and conditions for online payments and asked her where I could find it, within their terms and conditions that it says that. She simply replied that it's the policy. I informed her that why is it I have to abide by their terms and conditions but that they don't. Again, she told me it was their policy. I told her they are breaking their contract with me since I had to agree to their terms and conditions but that they aren't. I asked her to email me, where in their terms and conditions ; it states that online payments over {$500.00} would be held. I said I want to see that in writing. She put me on hold for XXXX minutes and then the call disconnected. They also state that consumers will be notified if changes to their terms and conditions change. No notification has been sent and according to their site, it was last updated XXXX of XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information regarding a debt collection reported on my credit report. My records and subsequent verification attempts indicate that this debt is no longer with the collection agency listed on my report, and as such, should not be reflected in my credit history. Not only that, the debt that is alleged is not at all owed by me as I legally breached a residential lease agreement, under Texas Property Code Sections 92.056 and 92.0561. I also left notice with the landlord, original creditor, XXXX XXXX XXXX. ( See attachments ). Please find the following details relevant to this dispute : Collection Company Reporting on My Credit Report : XXXX XXXX XXXX ( XXXX ) Original Creditor : XXXX XXXX XXXX Since the day this inaccurate collection account hit my credit report, XXXX, I have reached out to Transunion and the collection company, XXXX regarding the fact that the debt is not owed by me nor is it the least bit accurate. I received mail correspondence from Transunion on XXXX  stating that they are not required to reinvestigate this debt yet they never investigated it to begin with. I mailed all of my correspondence proving this debt is not owed by me and yet this invalidated and inaccurate account is still on my credit report. I've also provided all documentation directly to XXXX XXXX XXXX via mail on XXXX separate occasions and no further action has been taken. I've been getting the complete run around. On XXXX, the 30 day time period had passed from the date I mailed my correspondence to them. And, I still didn't have any notification from them about ceasing all collection efforts and removing the inaccurate collection account from my credit reports as a result of the evidence I'd mailed them. During my call, I was simply told that they can no longer discuss the alleged debt with me because they were no longer collecting it and it had been referred out to another firm. Therefore, its continued presence on my credit report is not only inaccurate but defamation of character and erroneous in nature. Transunion has done me a complete disservice in not properly investigating this debt on my behalf. In accordance with the Fair Credit Reporting Act, I am requesting that this item be removed from my credit report immediately as soon as possible since XXXX XXXX XXXX is not the company attempting to collect the debt. Please find attached copies of any documents that support my position. I request a written confirmation of the receipt of this letter within XXXX business days, along with removal of the account from my consumer credit reports. Please inform me of the outcome of your investigation at your earliest convenience. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter in the mail from a debt collection agency referring a credit card I didn't open or know about. I called the credit card company gave them my information and they looked through their system and verified I never had an account with the credit card company.
Product: Credit reporting

We have reviewed the judgement information. Case or ID # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, they do not belong to me and are hurting me Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft M & T BANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX 
Account Number : XXXX This is not mine.
Product: Debt collection

I am writing to remove two fraudulent tradelines on my credit file by LVNV FUNDING LLC. Furthermore, I am begging this consumer agency to enforce this by helping me remove these fraudulent and blemished collections accounts from my credit file. I have disputed the following data on my credit file more than a few times, which is fraudulent. I spoke to someone at LVNV FUNDING LLC, and the young lady said you people never pay your bills. You people? This is beyond XXXX. I have disputed these illegal debts several times and once I dispute the debt, the debt collector must stop all debt collection activities until they provide me with proof that I owe the debt, which I do not since it is fraudulent. LVNV FUNDING LLC, must provide me with that proof and never bother me again. Under the FDCPA, I have the right to dispute the debt and it has three separate components : 1-Right to notice of the debt 2- Right to contest the debt 3-Right to verify the debt Within 5 DAYS of first contacting the Consumer Financial Protection Bureau, LVNV FUNDING LLC , must send a letter telling me : the amount of the debt the name of the creditor information about what I can do if I think there has been a mistake and proof. I can prove it is identity theft. The debt collector must stop all debt collection activities until it can verify the debt. Additionally, I have my original identity theft affidavit. The recurring patterns of complaints against LVNV FUNDING LLC, as reflected in the XXXX XXXX XXXX complaints, are as follows : Denial of Debt : The denial of liability for the debt assigned to LVNV FUNDING LLC, continues to be a consistent complaint across all customers. I do not owe this debt and have no contractual relationship with LVNV FUNDING LLC, Lack of Original Contract : Customers consistently complain that LVNV FUNDING LLC did not provide me with the original contract that I requested. This contract would confirm the claimed debt. Unfamiliarity with the Company : I am not familiar with LVNV FUNDING LLC or the original debtor. I have never been contacted. Inappropriate Reporting : A complaint suggests that LVNV FUNDING LLCs reporting of the debt to credit bureaus might be violating the Fair Credit Reporting Act. This indicates potential issues with their reporting practices. Claims of Identity Theft : This is identity theft. It points to potential issues with verifying my identity. Unsatisfactory Product/Service : These complaints fall under the complaint type " Problems with Product/Service '', which indicates a more general issue with the way LVNV FUNDING LLC manages its debt collection process or communicates with its customers.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found some inaccurate accounts that were reporting. I have made a list of all the inaccurate accounts that I would like to removed. please review all of the my documents and remove the account that are list. see attached
Product: Credit card

I contacted chase before the due date XX/XX/XXXX to arrange full payoff on the card, informing them that I was sending a cashers check for the total balance payoff and wanted to make sure that if it arrived a day or 2 after the due date there would NOT be any late fees charged. They agreed per recorded conversation and " noted this on my acct ''! Then after recieving full payoff they promptly charged me both a late fee as well as {$250.00} interest! I contacted them 3 times ( XXXX, XXXX, XXXX ) about them going against the agreement to no avail and today XXXX I was told by a supervisor that " they should have told you that these fees would be charged '' admitting thier wrongdoing. I had an agreement and it was noted on my acct.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions
Product: Credit card

I have autopay full statement balance on my account. It has been like that for years, and I have had no issues until recently. 

The XXXX, XXXX, and XXXX statements show interest charges despite having auto-pay full statement balance. There is a software bug in the XXXX XXXX that is not correctly paying the full balance. This is is resulting in large interest charges, for example, {$90.00} of interest on the XXXX statement and {$50.00} on the XXXX statement. Since I have auto-pay full statement balance ON, the balance should have been paid in full and these charges should never have occurred. This is a software bug in the XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies involved continue to report inaccurate information on my credit report after a so called investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO MY NAME IS XXXX XXXX I WRITE THIS COMPLAINT BECAUSE SOMEONE ELSE IS TRYING TO OPEN ACCOUNTS ON MY BEHALF, DOING MANY CREDIT INQUIRIES IN A FRAUDULENT WAY WITHOUT MY AUTHORIZATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian marked my credit score as unscorable when I actually have a long credit history. Dispute requests have been sent by mail ( tracking number XXXX ) to Experian in XX/XX/2022. Experian hasn't responded or taken any action to resolve the dispute for more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Frontline Asset Strategi, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 1681 c. ( 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. Also they aren't even in compliance with XXXX XXXX  credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

UNITED AUTO CREDIT CXXXX  Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proo is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report after receiving a letter fron the credit bureaus that my personal information has been confiscated during a data breac and I needed to obtain my credit report and once I looked at my report I noticed te following unauthorized accounts that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently disputed the inaccurate information on my credit file about XXXX XXXX XXXX  this account in reporting open, past due amount of XXXX derogatory status which is inaccurate reporting on my account the receipt of proof that this account was paid off is attached and MUST BE REMOVED FOR INACCURATE REPORTING IN VIOLATION OF MY CONSUMER RIGHTS. THE FAILURE TO CONTINUE TO REPORT THIS ACCOUNT BASED ON THE NUMEROUS TIMES DISPUTED IS NOW RESULTING IN A LAWSUIT FILING.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX  XXXX {$270.00} XXXX XXXX {$200.00} XXXX XXXX {$220.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}