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

On XX/XX/2023, I contact XXXX XXXX XXXX informing them that the 30 Day Late mortgage payment XX/XX/2023 reported on my credit is incorrect. The agent acknowledged that the reason for the late payment was because the missed a digit in my bank account number. I requested that they conduct a reasonable investigation into the accuracy of the disputed information and provide me a feedback which I'm yet to receive. 

On XX/XX/2023, I wrote XXXX XXXX XXXX ( certified letter ) formally disputing the accuracy of 30 Day Late mortgage payment dated XX/XX/2023 reported on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically under Code 15 USC 1681i ( b ). Additionally, I would like to bring to your attention a violation of the Fair Credit Billing Act ( FCBA ) under Code 15 USC 1666 ( b ).
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and XX/XX/XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

Re : Request for investigation and removal of inaccurate late payments on account XXXX, Account Number XXXX Dear CFPB Representative, I am filing a formal complaint regarding inaccurate information reported on my credit report concerning my XXXX  account, account number XXXX. Specifically, late payments were reported for the months of XX/XX/year> and XX/XX/year>, which are incorrect. 

Below are the specific laws protecting my rights as a consumer, which have been violated in this case : 1. 15

U.S. Code 1681i Dispute Investigation Law : This statute requires credit bureaus to conduct a timely and thorough investigation of any disputes submitted by a consumer regarding inaccuracies in their credit report.

2. 15 U.S. Code 1637 ( b ) Requires creditors to provide accurate billing statements to consumers. There are discrepancies in the billing statements issued by XXXX for the months of XXXX and XX/XX/year>. 
XXXX. XXXX XXXX XXXX XXXX This section obligates information furnishers to ensure that the data they report to credit bureaus is accurate. XXXX has failed in this responsibility by reporting incorrect information, and thus the late payments must be corrected or removed. 

I have attempted to resolve this dispute directly with the credit bureaus and the creditor but have not received a satisfactory resolution. Therefore, I am requesting the CFPBs intervention to investigate and assist in correcting this inaccurate information in compliance with consumer protection laws. 

Attached is a copy of my credit report highlighting the late payments in question, along with any supporting documentation that XXXX assist in your investigation. 

Thank you for your prompt attention to this matter, and I look forward to a favorable resolution that ensures the accuracy of my credit report. 

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

Upon inspection of my consumer report I found the following inaccuracies. 

Name Address DOB Please see attachment There should be no other name, address or XXXX other than the one listed on the attachment. 

If it's not on the attachment, then remove it from my profile immediately.
Product: Credit reporting or other personal consumer reports

There is only XXXX address I am associated with. It is XXXX XXXX XXXX XXXX, XXXX, Tennessee XXXX. 
I demand all the other address be removed from my account. 


I have only XXXX telephone number XXXX I demand all other telephone numbers be removed from my credit report. 

I need an investigation to determine why all addresses and telephone numbers are associated with my credit report and proof of verification. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Have attempted to reach out to the online portal for months but there are always issues with the website. Phone support can not interact or assist with most problems. Unable to see past payments, unable to get a record of past payments made, unable to get a justification for loan and true amounts left. Still being charged interest on loans that had previously been paid off. Have requested that Mohela temporarily freezes account and stops interest accrual while they work out accounting errors. No progress.
Product: Debt collection

Received far more than 7 phone calls within a 7 day period. Woke up this morning to 4 calls back to back ( by the second! ) that rang for about 1 second and then ended. This was at XXXX they knew they couldnt legally call just 5 mins earlier and didnt waste any time once it hit XXXX. The repeated calls happened again while I was at work this afternoon. I can prove that they have contacted more than 7 times in 7 days with my phone log. It was over 8 times today alone.
Product: Bank account or service

Chase is charging me overdraft fees for debit card items when I opted out of overdraft coverage. My card should be declining for these purchases ( XXXX XXXX, XXXX, and XXXX ( XXXX ). I have been charged overdraft fees because Chase allowed these to go through when I did not have funds available. Other banks such as XXXX, deny these transactions by card as they should when card transactions attempt to come through when funds are not available. This is very unfair of Chase to allow these to post instead of doing a normal card decline with no fee. I could see if these were ACH transactions, but not card transactions.
Product: Debt collection

I never signed anything for this debt, nor do I owe anything. also the statute of limitations on this debt are up, this company is fraudulently destroying my credit score. and the representative is being very rude to me,
Product: Student loan

The Servicer : Heartland ECSI I applied for Loan deferment with this organization as I did with my other two loan servicers. Both of the other two had simple online forms that could be filled online or e-mailed in and one could easily deal with the deferment. Their phone lines are open to deal with students their chat lines are handled with professionals, and e-mails are returned with proper information to deal with their customers as human beings. 

ESCI on the other hand has the worst customer service I have known. Their phone line requires hours of wait if you hold on. They give you the option of returning a call. Which doesn't happen. Their chat and e-mails are a waste of time, that send you back to the phone system, which as I explained earlier, takes hours to deal with.

All documents must be sent through the mail. Which I complied with. When I called them to see what happened to the documents I sent. According to ECSI, the documents did not reach them in time. Which inconsistent with other facts. I sent another package through the mail the same day. it was received and acknowledged before the deadline on the ECSI documents, even though it had to go farther than the ECSI document.

ECSI is not a good loan servicing organization. Their entire system is built upon the idea that people will give up trying to find solutions and pay the loan sharks. Or else their credit might be ruined. Either pay ECSI on time or have your financial knees broken.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, 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 XXXX, XXXX, XXXX, and LVNV funding LLC do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to LVNV funding LLC, ( 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. '' LVNV funding LLC ( 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. LVNV funding LLC is 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. I also requested all corporations to fill out a form 1020 and return back to me and still haven't gotten it.
Product: Credit reporting

XXXX was used online fraudulently. I notified Wells Fargo, they cancelled the card and said the fraud dept would investigate the fraudulent activity. They then proceeded to report that I was late with payments!!!! The balance was from the fraud! I 've never been late with a payment in my life!!!! My credit score is tanking ... Pls help
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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 veals. 
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 nas reasonable cause to belleve that the information is inaccurate. 
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: Debt collection

compony is trying to add collection charges on top of original debt not stated allowed in original contract
Product: Credit card or prepaid card

On the date of XX/XX/XXXX I had my money stolen from my bank account without my authorization I dont know how that happen because my card has always been with me and I dont share my card with anyone else. I had {$1000.00} taken out from my bank account from this bank XXXX XXXX and this is the place where the money was taken out XXXX XXXX XXXX XXXX XXXX XXXX XXXX .after seeing that I called the XXXX Bank of America support center and they froze my account and replace it with a New card. They are investigating right now and it says that it can take 45 days. Im out of money and I need it to pay bills I filed a police report already with my local police here in XXXX XXXX. Please help because a lot of people in my situation are been taken advantage by the criminals and we are suffering. We want them to be XXXX  and have a solution to this ongoing problem.
Product: Checking or savings account

I had multiple accounts opened in my name and it ruined my credit and also put me on XXXX XXXX. This is not okay
Product: Debt collection

On XX/XX/2023, I received a call from a collections company called XXXX XXXX regarding my Systems & Services Technologies , Inc. account with Flex Lending that was paid and forgiven. Systems & Services Technologies , Inc. broke the contract by selling the account to a third party and I am seeking damages from both parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my lease vehicle through Trophy XXXX as it was required to be handled through a XXXX dealer. There was no reason for the dealership to pull credit themselves or through Capital One XXXX XXXX. The dealership had prior approval from XXXX XXXX to finance my vehicle however the dealership pulled their own credit report and sent it out to 2 other lenders. The dealership provided the attached letter however has failed to get all of these retracted.
Product: Debt collection

I ordered all  XXXX  credit reports to check my credit I needed a loan and they were saying that my scores were too low. After receiving the report I found many accounts under my ssn but I had received a letter from  Office of Personal Management  stating that their computers had been hacked then my husband was killed and a Bankruptcy was filed. I was in no way able to function because of this.   on    XX/XX/XXXX    I sent a letter to Wal-mart asking them to send me Pursuant to the the Fair debt collection Practices Act. " validation " that is competent evidence bearing my signature on the contract. I asked that they get back to me within 30 days and for them to contact the credit reporting agencies that I was disputing this. I was not contacted within the 30 days and it was not reported on my credit report as being disputed. I sent a second letter on   XX/XX/XXXX   and again   XX/XX/XXXX  . They never sent and thing except a letter saying they had transferred the account to a different company. The letter were all certified and with return receipt requested which I received. I   XX/XX/XXXX   I got a new credit report still wal-mart had not reported the card disputed. on   XX/XX/XXXX   I sent a letter to all  XXXX  credit reporting agencies asking for the same information at that time a dispute was put on the account but they did not not send me any information for 60 day under the  FDRC  they only have 30 day when i got the letters back the simply said it was validated. who Validated it and how was it validated? I have asked  4 ti me for the information and they will not send it to me. If they do not have a contract with my signature on it then it is not mine and I want it removed from my credit account.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 



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

1. On XX/XX/2016, we purchased a car, the dealership was looking for the best interest rate so 4 different companies ran a hard credit inquiry. Experian is counting each inquiry separately and reduced my score by 22 points. I explained to Experian that the multiple inquiries should only count as one but to no avail.

2. I am using Experian credit tracker program. I pay for this service every month. My credit score is higher on the program than what Experian is reporting to mortgage companies. Experian is reporting my credit to the mortgage company 20 points lower than what they are showing on their website as my FICO score.

3. Overall Experian has lowered more score for no reason. Example, I did not use my credit paid all bills on time for minimum 2 months in a row because we are purchasing a home, Experian lowered my score by one point.

Is there anyone who can actually view a credit report and determine if the points are accurate as I feel as if my score is not correct.
Product: Debt collection

I do not recall how the balance is {$68.00}, as I believed it was {$33.00}, making their claim of the amount false and misleading. Furthermore, they invite questions, comments, or concerns, yet refuse to provide a copy of the purchase and sale agreement when requested. This is contradictory, unfair, and deceptive. 

XXXX  and XXXX  claim to comply with the FDCPA and FCCPA, but their actions are false and misleading. In their response XX/XX/year> ( CFPB ID XXXX ), they stated they validated the debt ; however, the documents provided fail to satisfy proper validation and do not prove ownership of the debt. 

Their false representation of the balance and refusal to provide requested documents violate both the FDCPA and FCCPA, causing me ongoing intentional infliction of emotional distress, anxiety, and other damages. Additionally, the response by these parties constitutes direct and indirect violations of the FDCPA, FCCPA and FDUTPA. 

As a result of their failure to comply with the law, I reserve the right to take legal action without further notice. Best regards, XXXX XXXX, All Rights Reserved, XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

Credit report from XXXX and XXXX either has not been updated or reported accurately from NewRez to these two credit bureaus. XXXX has been updated accurately showing this mortgage from NewRez has been closed and satsified as of XXXX
Product: Credit card

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue XXXX  are strongly requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, was not rendered the proper response for a previous dispute. Pursuant to 15 usc 1681i ( 7 ), failure to provide a description of reinvestigation results is a violation of my consumer rights.