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

I write to request that a 60 day plus late payment notice on my credit report be removed by XXXX  XXXX XXXX ( XXXX ) ; my credit report via Experian shows this as a " potentially negative '' item.This is the only negative item on my credit report. 

In the fall of 2020, I had stopped regularly using the XXXX credit card and did not charge no known expenses. However, an annual subscription ( which I thought I had cancelled ) renewed without my knowledge in XX/XX/2020. 

At the same time, I was in the midst of moving to a new home during the pandemic and was not aware of this unknown charge or that XXXX was expecting payment. As a result, I missed a payment on my XXXX card for the first time in XXXX years. 

Considering the above facts and circumstances, I request that XXXX remove the negative 60 day late notice with all major credit bureaus.
Product: Debt collection

A debt appeared on my credit report that was/is not mine. I contacted the collection firm and informed them it was not mine, but my statement had no effect.
Product: Student loan

I am currently involved in a bankruptcy, XXXX XXXX. My loan was recently transferred to Aidvantage & they are trying to collect payments from me. I was under the impression that as long as the bankruptcy was active I did not have to make payments. I reached out to the company & they told me because the loans were taken after I filed bankruptcy I have to make monthly payments. My previous loan service was XXXX & I was never contacted about making payments of any kind. I do not remember the exact date the bankruptcy began but I believe I was already in school when we filed. They are also charging me monthly interest on the student loans.
Product: Payday loan, title loan, or personal loan

Hi I am a single widowed women with XXXX children I received a tittle loan that I was going to be paying off then when the XXXX virus started I got put on unemployment well I was about two weeks late and I called to make my last payment and they wouldnt take it they said they sent it off to a collections agency and I couldnt pay them now I have turned it in to XXXX XXXX and they have been investigating for a while but nothing is changing now my credit is destroyed and now I have no Title I am desperate to get help from you please help me get my title this isnt right and they refused my payments thanks and XXXX XXXX
Product: Credit card or prepaid card

I had over {$9000.00} of fraudulent transaction from XXXX and Bank of America is refusing to refund them even after XXXX agreed to refund the whole amount back to them.
Product: Credit card

For over a year, I have written, emailed, called and spent countless hours trying to receive help due to XXXX XXXXXXXX, hardship, etc. I have written letters, I have called literally every department including the executive department, emailed, the executive department about my situation, however, they will not make, acknowledge or try and assist in a XXXX persons inability to make the payments they are asking. That is discrimination, when you have no programs for XXXX veterans, or veterans family to be able to pay a lesser payment. I have filed multiple complaints against this company because, they did not close the account like I instructed them to. I was told by XXXX, who took a payment from me on XX/XX/XXXX, for {$80.00} that the account was not closed. I instructed USAA Debt Management Services in XXXX, XXXX, that the account was to be closed. XXXX did not close it. This is illegal. When a customer says, I cant afford the account, I will make payments on it as necessary, close the account, by law, the account is to be closed. I want this account closed. I am on medical SSXXXXI XXXX, I have instructed this bank over a hundred times that I cant pay the amount they are asking on a fixed income. They refuse, and do not have any programs available for a XXXX person, a bank who claims to help veterans and their families, and they have no programs to lower my payments. By law, every bank is to have options for customers in hardship and XXXX distress, this bank does not, they say they will take XXXX a month, and I make less than {$1000.00} monthly. My XXXX that I take cost XXXX a year. How, am I supposed to pay for what I need when this bank will not make accommodations? I have told them my situation, my needs, my XXXX hardship that is not going away, they ignore me, they do not return phone calls, they have said, we cant help you. I have tried, and as a XXXX person, who has been transparent and honest, this bank, and another bank that I have filed complaint against, does not care. This needs to be investigated.
Product: Debt collection

CKS PRIME INVESTMENTS PURCHASED ACCOUNT : from Iriginal Creditor AMOUNT : {$1000.00} DISPUTED SEVERAL TIMES in recent months using reputable credit repair method, and online major credit company platforms, and in rotation to date for repeat dispute which no verification or validation of method. Company instead sends debt validation method with requests of me sending validation criteria. 
Also reports false information, multiple Non Compliant discrepancies including above mentioned balance. To imply {$1000.00} would mean secured past {$1000.00} credit lines or amount is reporting in excess of true details.
Product: Checking or savings account

On XX/XX/2018 I deposited three checks. I was informed by my bank Chase Bank of Texas that two of the checks were Nonsufficient funds. Each check that was NSF totaled {$53.00} each from the same check writer for a total amount of {$100.00}. I contacted my branch and spoke with the Manager XXXX at Chase Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX I spoke with the check writer who told me to resubmit both NSF checks again on XX/XX/2018 I asked my bank Chase to return to me the two NSF checks so I can either resubmit the checks or go to the issuer 's bank and present the checks. My bank Chase bank is refusing to provide me the NSF checks. The manager XXXX promised to correct and call me back. 4 days have past and XXXX refuses to take my calls or return my calls. I have reported this to the main Chase Bank and still no action. Today I spoke with another person at my bank who told me they will not provide me with either of the two checks. 
I am XXXX on a very small limited budget and {$100.00} is a lot of money for me. The check writer is over 100 miles away and I am unable to go get a replacement check.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I paid the total balance due on my credit card bringing my account to XXXX For some reason, the company charged me interest on account of {$1.00} on XX/XX/2021. From that point to now, they started charging me late fees bringing the amount due to {$47.00}. This was never reflected on my on-line account as anything being owed. I was still thinking the account was paid in full, until I received a call from a XXXXXXXX XXXX representative on behalf of XXXX stating I had an outstanding balance and that my account was past due. I immediately paid the outstanding amount, even though I didn't agree with it. She then gave me a credit of the late fees. She also stated that no statement was ever generated or sent to me indicating that an amount was due. She said that she would submit a request to have this removed as it seemingly was a system error on their part. This is still reflecting on my credit report as a late fee and I would like this removed completely because how was I supposed to know anything was due if it was not reflecting on my on-line account nor did I ever receive a statement from the company informing me that something was due? I was also told they would send me a letter stating the gave me a credit of the late fee and also a letter stating my account reflects a XXXX balance, which I have yet to receive.
Product: Debt collection

I am writing to formally dispute the inaccurate information regarding late payments on my credit report. After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account : Pennymac Loan Servi XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there may have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian constantly violates my rights as a consumer under the FCRA. I give documents that are requested then they try to find another reason not to honor my accurate and complete Identity Theft Reports. I am submitting yet another documents requested. I got a receipt for my initial police report complaint. Under section 605B under the FCRA I demand the fraudulent accounts be blocked from my credit file and stop treating my accurate and complete documents as frivolous. I expect a thorough investigation not an automated update in a day or 2.
Product: Credit reporting or other personal consumer reports

RE : Social Security XXXX : SS # : XXXX and account reported from : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 




ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENTS ( XXXX ), MANDATED XXXX PARCELS OF CONFIRMATION NECESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( XXXX ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISLATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX. 


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

Had a 2011 XXXX XXXX that was total out paid every month they even sent a overpayment check back and report it me late had never been late ever
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Experian that said a fraud alert was added to my credit report I called to see who added it because I did not give authorization to add a fraud alert to my credit report when inquiring about it I asked the representative who did it she would not give me any information I asked for a supervisor and she hung up in my face
Product: Debt collection

I have reached out to Southwest Credit Systems requesting information which I have yet to receive. Southwest Credit systems also continued to report the debt after they received my letter. Southwest Credit Systems is in violation of my rights as a federally protected consumer.
Product: Credit card or prepaid card

For years, Capital One has been sending me a remittance coupon statement, as the payment for which is owed. I have recently found out that these detachable coupons sent to me as a bill, are a way of payment. I've been paying them via online because they want you to feel like it's quicker, but it's actually to distract us and not notice that these are actually checks/money orders. I mailed out my remittance coupon certified, which they received with a notarized letter attached with a list of Consumer Law codes that states a coupon is worth whatever the face value it has printed on it. Banks are redeeming the coupon with the government and receiving another payment from my trust. They are double dipping and getting paid twice. And instead, they send me a letter asking me to re-iterate what I sent them in my letter addressed to the CEO as if they didn't understand or just prolonging the process, and want me to respond to customer service. I find this as brushing it off so that I can keep getting run arounds.
Product: Credit card

Fortiva XXXX didn't not disclose that they would be charging me {$170.00} annual fee ( before I even receive the card in the mail ) nor did they say I would also be charged {$19.00} for having a XXXX  card for another authorized user. Please Help. I can't afford these ridiculous fees right now. I got it for emergencies. My fiance has been fight neck and head XXXX since XXXX
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of XXXX XXXX of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid it and disputed it and it reported as not paid still
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report last year in XX/XX/XXXX and I seen this credit card account listed. I have reached out multiple times asking for validation of the account. have no knowledge of this account and wanted to make sure that it is an accurate reporting account. The account is being listed by XXXX/XXXX  account number XXXX showing the date opened as XX/XX/XXXX. I'm not sure when it posted a s a charge off on my credit profile but the most recent dispute I sent in has now affected my score and it is showing a late payment. A charge off account can not reflect a late payment because it is no longer active. I have sent multiple letters for validity only to receive a letter back stating it is accurate. I have reached out to the creditor themselves only to be told they have no proof of this account. I am including pictures of my certified mail receipts as well the letters I've sent in requesting proof of the account from XXXX, XXXX, and Experian. This should be considered fraudulent if no one can provide the information I'm requesting to verify the account.
Product: Debt collection

XX/XX/XXXX to XX/XX/XXXX I was charge for these months of rent and late fees as well as other misc fees. My lease ended in XXXX XXXX XXXX. I asked them to provide a renewed lease and ledger of an agreement I made with my signature and haven't received anything this was in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account numbers XXXX, and 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
Product: Debt or credit management

The company sent me a document with a photoshopped signature that was not the signature of me the agent, principle and living soul. They refuse to send me original documents and validation to proof of claim.
Product: Mortgage

I closed on my mortgage XX/XX/XXXX. The original mortgage amount was {$360000.00} at 4.25 percent payments @ {$2400.00}. 

I purchased the property at $ XXXX and I used a XXXX loan for rehabbing. I owner occupy one of the four units and rent the remaining three units in Washington, DC. 

At closing the building had three tenants, my renovation budget was to rehab the one vacant apartment ( unit # XXXX ) and other things around the building that needed addressing. About a month after closing, I presented the tenants with the option of staying with an increase in rent or moving out. One tenant ( Unit # XXXX ) chose to move out. The remaining two tenants signed new leases and ( Unit # XXXX ) XXXX XXXX is still here. Unit # XXXX paid rent at the lease signing in XX/XX/XXXX then never paid me again. 

DC Tenant Laws coupled with cold weather prevented me from getting an eviction until XX/XX/XXXX. In addition to the work I would have had planned, the former tenants left extensive unnecessary damage. By XX/XX/XXXX, I had paying XXXX XXXX paying {$800.00}, and Unit # XXXX had just gotten its first tenant in XX/XX/XXXX. I still had work in unit # XXXX and unit # XXXX. I missed my first payment in XX/XX/XXXX. 

I contacted Wells Fargo XX/XX/XXXX and they agreed to modify my mortgage. They were nice about and let me I did not have to pay until the modification agreement was complete. I signed a modification agreement out of duress on XX/XX/XXXX. The modification agreement offered to lower my payment to {$1900.00}. 

The process did not settle until XX/XX/XXXX causing me to have all those delinquent months negatively affect my credit. I do not dispute the original three months delinquent reporting but the actual number of delinquent months on my credit report feels like Wells Fargo intentionally delayed my paperwork to handicap me. Also my property has appreciated nicely, the most recent appraisal priced my place at {$450000.00}. Wells Fargo only uses the original purchase price of $ XXXX and with all the fees they added on the deferred amount I am around XXXX percent. This locks me in so I have no options. 

I have seen in the news how Wells Fargo has been called out for discriminating against minority communities with misinformation and predatory practices. Does this qualify for such an occurrence if its widespread?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a letter from XXXX XXXX Personal Loans referenced with ID # XXXX indicating that my recent application for a XXXX XXXX XXXX XXXX XXXX  Line of Credit was denied for the following reason : Application Information Does Not Match Credit Report [ Exhibit A ]. 

The letter referred me to Equifax for further dispute. After inquiring with Equifax, I noticed a HARD CREDIT ENQUIRY on my credit report that I did not authorize. After disputing this information with Equifax, I received a letter from Equifax on XXXX XX/XX/2021 indicating that the Hard Enquiry was factual and shall remain on my file for XXXX years [ Exhibit B ]. 

I have never authorized XXXX XXXX to use my personal information to check my credit file. More importantly, Equifax is falsely representing my credit information to vendors. I have an excellent credit history and over XXXX credit score, and Equifax is damaging my credit history by such practices.
Product: Debt collection

On XX/XX/21, I received a notification from my credit monitoring service of a new collection. They name of the collection/debtor is Diversified Adjustment Service. I have never received any written notification from this company. I have no idea who they are or what this debt is about. I know nothing and was never given an opportunity to contact the agency themselves or to dispute it. This is against the law. I have USPS informed delivery and looked back in emails and never has there been a letter from this company addressed to me or anyone at my address. To this day, I have no idea what this debt is in reference to.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX 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 XXXXXXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$580.00} MXXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this complaint to TRANSUNION. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.