23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Receivables Performance is reporting a collection for XXXX. First, the service provider could not provide service at the location we moved to. Second, the debt was paid. Third, we told Receivables Performance that we were disputing the debt ( although paid by new service provider ) with the original provider ( XXXX ) because they could n't provide service at the new address. During the debt validation process we clearly informed them there was a dispute and they should refer back to XXXX who had already been paid but they put it on our credit report anyway which is a direct violation of FCRA Section 623 XXXX, v. XXXX XXXX XXXX and the Fair Debt Collection Practices Act 807 ( 8 ). Plus a few others..
Product: Credit reporting or other personal consumer reports

My accounts 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/updated. 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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX 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!
Product: Debt collection

XXXX XXXX, through Bowen and associates in Texas, is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXXXXXX XXXX in Florida. This is a debt for which I have no responsibility. XXXX XXXX is trying to collect money for extra work he did that was never contracted. His contract even states extra work will only be executed upon written agreement and will then be an extra cost over and above the contract price. There is no written agreement for this extra work. My contract was paid in full upon the completion of XXXX XXXX job. XXXX XXXX is attempting to collect more than double what XXXX XXXX originally tried to collect without a contract. XXXX XXXX threatened to report this to the credit bureaus. He also told me he could file a lien against my property and that even the previous owners could be affected by this lien. This was a lie or perhaps ignorance because the lien, a mechanics lien, has to be filed within 90 days of completion of the job and he has to show breach of contract. There is no contract and it had been more than 90 days upon his first contact with me. He also failed to tell me verbally that I can dispute this debt and I never received a written validation letter for the debt. That was a violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 reporting or other personal consumer reports

These two illegal collections are fraudulent and they need to be removed off my report. These two accounts are illegal and I've finally hired a credit specialist to remove these fraudulent items. Please remove these items off my credit report! 

XXXX XXXX  {$140.00} Date Opened XX/XX/XXXX XXXX  XXXX XXXX {$13.00} Date Opened XX/XX/XXXX **Inquiries** These inquiries are fraudulent and were never authorized to be run on my credit report. Its the reason I've hired a credit XXXX. Please remove all these illegal/fraudulent inquiries off my credit report. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX MEM Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDU Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDU Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # 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: Credit reporting or other personal consumer reports

I am once again reaching out to address the unresolved dispute that I have previously brought to your attention concerning inaccurate and misleading account. Despite my prior communications, your department has not adequately addressed the concern, and the presence of this account continues to have a detrimental impact on my credit scores.
Product: Credit reporting or other personal consumer reports

I have been reaching out to calling sending letters to XXXX Transunion and XXXX about fraud on my account addresses that I have never lived at accounts that I have never done business with I even filed a report with identity theft.gov and got a recovery plan I contacted all the companies whom told me to send this to the credit Bureaus an I did no one sent me any documents but my request for the information to be removed was denied pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ). I sent all documents XX/XX/2023 they have not verified any information I demand these items be deleted Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Both my loans ( XXXX # : XXXX & XXXX # : XXXX ) were considered past due in XXXX despite the payment coming out of my account on the XXXX of XXXX for both loans. 

This has DESTROYED MY CREDIT without a fault on my own. I have been admitted to the XXXX XXXX XXXX program and need to take a loan for {$250000.00} and was denied because of this issue. Also, I am moving to California with my wife and daughter at the end of this month and won't be able to rent a home to live in with this issue at a high cost of living area ( XXXX XXXX ). I have had +12 years of on time 100 % payments before this issue and an almost XXXX credit for all these years. 

Few issues/notes here : The payments were withdrawn on the XXXX of XXXX versus the XXXX or before despite being on XXXX. Why were they not withdrawn on the XXXX? This is an issue from your end. PLEASE SEE ATTACHED. 
The payments for some reason got sent back to me after. Also, this is not my issue. If this is an overdraft issue, why would the money be withdrawn from my account in the first place? I also am a premier account holder with XXXX. 
The payments were made again on XXXX of XXXX. I also called and was told that the late fees were waived and that there will be no further issues, yet, this was sent to the bureas and DESTROYED MY CREDIT I am in no need for help paying for my mortgage, however, I have been sent multiple BLUE packets that went to the wrong address and took a while to get to me ( address is updated on the system ). 
I was not told that the 30 days count from the XXXX of the month rather than the XXXX. 
I have changed my auto pay date for the XXXX of each month to avoid this issue in the future all together. 

I have attached : XXXX bank transactions/date with regards to both mortgages. 
my credit reports over 12+ years The chart of the credit score and the huge loss I incurred XXXX XXXX XXXX admission letter loan for school program : rejection and reasons for rejection I look forward to your support with getting this taken care of. 

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

I hope this letter finds you well. I am writing to dispute and request the removal of unauthorized hard inquiries from my credit report. As a vigilant consumer, I recently reviewed my credit report and discovered several hard inquiries that were not authorized by me. 

The unauthorized inquiries were made without my knowledge or consent. I have never applied for credit, services, or products with this company, making these inquiries both unauthorized and inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit bureaus to ensure the accuracy and legitimacy of the information listed on consumers ' credit reports and remove them from my credit report immediately. 

In addition, I would appreciate receiving a written confirmation once the unauthorized hard inquiries have been removed from my credit report. This confirmation should include an updated copy of my credit report reflecting the changes made. 

Please note that I have also sent a copy of this letter, along with the attached documentation, to the respective company or organization responsible for the unauthorized inquiries. 

I trust in your ability to address this matter promptly and efficiently. I appreciate your attention to this issue and your cooperation in resolving it. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of my most recent credit report. There is a card that is being reported as an authorized user that is not my account. I request that this account be removed from my credit report. The account is XXXX XXXX XXXX XXXX
Product: Mortgage

Mr. Cooper has taken my XXXX Payment and applied it to Escrow. Then telling me I owe the XXXX payment over again. I previously filed a complaint that the escrow payments made in XXXX were not applied to the escrow balance. The shortage on the XXXX statement was paid in full. The problem actually goes back to XXXX of XXXX. 
The home was refinanced with the same company in XXXX. The loan is a fixed rate conventional loan. In XXXX there was an excrow shortage of XXXX that was paid on XXXX through the Mr. Cooper Esrow Portal with the help of a CS rep. After the paymet was made he said I was still {$23.00} short so I made a second payment a few moments later so the account would be good. 
My XX/XX/XXXX statement was still wrong So I called again and spoke to XXXX and made another payment through the Escrow portal XX/XX/XXXX of XXXX. I was assured all was well. 
My XXXX statement was still off so I called again and made another XXXX payment of XXXX on XXXX. Apparently these payments were not applied to the account. 
The company does not want to respond. They are upset that I filed a complaint and are now making an example of me. Ive made my mortgage payment on time for the last 18 years from the same bank account to the same servicer. Always paying escrow outside of the monthly payment. When I called a few weeks ago I was told there are still credits on the account that are not applied. Who else can I send this data to that can help??? Mr. Cooper is very threating and miss applying my payments on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not sent in by error. I am a consumer by law and my information is being misused and now I have some false not 100 % accounts on my credit report. Unauthorized used of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX deliberately padded my credit card with late fees to report to the credit bureaus an over the credit limit balance. XXXX subsequently bludgeon my credit score by downgrading it XXXX points.
Product: Debt collection

A debt validation letter was sent on XX/XX/XXXX via certified mail and received by prince parker. The debt is being disputed by me as it is not my debt and prince parker did not answer the debt validation and dispute and continued collections with a new dispute date of XX/XX/XXXX. This debt is not my debt and no proof has been provided by the company of owing this dept or answer to the dispute in writing via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

FILED WITH XXXX, XXXX, AND EQUIFAX AN IDENTITY THEFT REPORT ON XX/XX/2023, AS WELL AS, FTC REPORT. ALSO, PLACED FREEZE ON CREDIT ID AND FRAUD ALERT WITH XXXX XXXX XXXX XXXX 

FRAUD INCLUDES XXXXXXXX XXXX XXXX XXXXOR {$40000.00} ; ADDRESS REPORTED IN 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : Capital XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act Convergent Account # 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 or my account without my written instructions.
Product: Credit reporting or other personal consumer reports

* In XXXX, after losing my job, I owed XXXXXXXX XXXX  {$110.00} and entered their hardship program, completing a 6-month payment plan. My balance went back {$110.00}, and I couldnt continue payments due to unemployment. 

* For several months, no payments were made. Multiple agents and supervisors claimed the account should have been written off at that point. Then a couple agents stated the account was closed in XXXX, yet others said it was just closed upon my request in XXXX. 

* Since XXXX, Ive repeatedly contacted XXXX, receiving conflicting information. Multiple supervisors admitted to a system error where my payments werent marked delinquent, preventing a written-off and causing my debt to grow despite no payments. Multiple supervisors stated they had seen the error and would call me back and work diligently to correct it, yet I received no call backs and no corrections. So instead, they never reported correctly and its reporting me as current with no late payments. I have not made a payment since XXXX! But now the balance is over {$1000.00} dollars. I only had a {$110.00} balance! Though they claim to be working on a fix, XXXX still calls for payments, inconsistently documents my case, and continues adding fees and interests. 

* I do not owe the amount shown in their system, and since they acknowledge the error but havent corrected it, what do I do?!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to XXXX XXXX many times because they continue to report inaccurate information to the credit bureaus. They have two loans on my credit report dating XX/XX/2011 and XX/XX/2011. Both report the same amount of XXXX as the amount of the loan I took out. This is not true! I did not take out two loans two days apart. I would like to have this removed from my credit report. XXXX XXXX has refused to do so. I really need help with this issue.
Product: Money transfer, virtual currency, or money service

My new employer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX is a business associate for the state of XXXX XXXXMy complaint is about XXXX because I received an email from XXXX asking me to set up my XXXX workforce account using a registration code. The registration code did not work and XXXX XXXX XXXX is not listed as XXXX of my employers in XXXX 

On Friday, XX/XX/year> The XXXX XXXX XXXXXXXX, XXXX XXXX asked us to raise our hands if we received government assistant like XXXX XXXX XXXX etc. I raised my hand because I receive XXXX  benefits. He then told us to make sure we access the Internet at home using XXXX because XXXX is coaxial and the wires have all XXXX lines ( fax, phone, internet, etc. ). XXXX explained that the Megabits per second are faster and more reliable with XXXX. He explained he doesn't work for XXXX nor get a commission from them for referring new employees to sign up for XXXX for XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( my employer ) also explained that XXXX is managing our payroll and that we would be paid weekly starting on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the follow inquiries from Equifax is fraudulent : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi Iam currently banking with chase iam a hard working XXXX and also I do XXXX  I received an check from one of XXXX XXXX  decided to use chase this time because why not chase customer service has hung up on me twice due to frustration theyve been disrespectful chase is holding my money that I work hard for by restricting my account due to the negligence of a XXXX  and poor communication which theyve informed me multiple times they were not able to get in contact with the person who wrote the check Ive tried my best helping them the funds are now available but my account is restricted my kids are going without clothes and food because of this restriction Im past due on my rent because of this restriction this is inhumane honestly please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX the are reporting on all of the CRA 's that I was once late. I have never been late. Please have them provide solid proof or remove it from all 3.
Worst payment status 30-59 Days Late Times 30/60/90 days late
Product: Credit reporting or other personal consumer reports

i found inquires rthat i dont recognize on my report and need them removed asap XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian 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 recieved a notification regarding my credit report. It stated that I had made a new inquiry and that it was ready. I took a look and did not recognize any of the information. I called the company XXXX and now XXXX and placed a void on the application. There are XXXX inquiries on my report I did not request.
Product: Credit card

XXXX XXXX added a {$75.00} charge to my gas bill because my payment I mail in was XXXX cents short due to a typo. I called and spoke with the Rep. I think XXXX and ask to dispute the Charge of {$75.00} as being excessive for being short XXXX cents and I wanted to cancel my cards until we cleared up the matter. He email me a form which I completed and was told I would be contacted by another representative. 

No one has contacted me and every 2 weeks XXXX adds another {$75.00} plus interest to my bill. I have no way of getting them to stop adding more charges. I have contacted the Governor of XXXX and the Texas Attn General office for help.