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

I appreciate your time to REMOVE some of the incorrect credit information in my file that resulted from an erroneous credit report entry but I still have ITEMS left that needed to be removed. I am submitting this time to notify you of incorrect entries on my credit report, which I am disputing. These items do not pertain to any transactions involving goods, services, or money that I have made or authorized. I request the removal of these inaccuracies from my credit file. 
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 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 XXXXXXXX Balance Owed : {$0.00}. The disputed items are unfamiliar to me, and similar information has been deleted by other credit bureaus, leading me to question their accuracy. The reported payment history for these items is also confusing, as outlined in FCRA 605B ( c ) ( 1 ) ( C ) Authority to rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting negative results on my credit report of late 60 days late. I talked with the company and stated I never received the credit card. The company agreed to cancel the card and remove any negative reporting. I have an alert that XXXX XXXX credit card have reported 60 days late on my account.
Product: Debt collection

XXXX XXXX for the amount of {$3000.00} XXXX XXXX for amount of {$740.00} This company is persistent with contacting me when I informed them I am not the debtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late remarks started from LATE 120 DAYS and there is no prior late remarks. I believe this is a mistake. 

The Account numbers are : XXXX / XXXX / XXXX
Product: Credit card

My daughter XXXX is trying to establish her first credit. She took advice from XXXX which suggested she apply for a credit card through First Progress. This was approximately 2 months ago. She has still not received her card. However, she can see on line that she has a payment due! Additionally, my husband signed up for the same card in XXXX, 2016 and they withdrew {$300.00} and he has never gotten his card and demanded money back to his account and they said they would put it back but they never did. This white collar crime entity should be SHUT DOWN FOR FRAUD! Where is the enforcement at? They have now stolen {$200.00} from my XXXX year old daughter who is seeking to establish her first credit and she has not even received her card and they are wanting a payment from her. Same with my husband. They have now stolen {$500.00} from my family. I will file a separate complaint on my husband 's behalf. I will also file other complaints where necessary for this matter. Certainly CFPB is aware of their game. I have seen other similar complaints. SHUT THEM DOWN! What 's the hold up? NOT OKAY. TOTAL XXXX What it is, is these other bank entities see what the big banksters did with securitization and so they know what they can get away with until Congress finally gets them and holds their hands out for the fines, but in the meantime First Progress and like entities are rolling in the dough at the expense of the hard working tax payer. Total XXXX. We will wait to hear a response. The money is PAST DUE AND OWING PLUS INTEREST! We WILL NOT do business with this entity. XXXX has some liability here for even suggesting such an entity. That will be the next complaint as well. They are advertising them on their site as a suggested entity to start building credit. WHAT A BAD EXPERIENCE and EXAMPLE. Pathetic! Fraud and Embezzlement going on here! They are also very hard to reach. REF # For the Credit Card is XXXX. Their Phone number is XXXX
Product: Credit reporting or other personal consumer reports

I have a DISMISSED Bankruptcy listed on my XXXX and XXXX credit report that is NOT mine. I have attempted to go thru the FTC with paperwork I was told to send in to have this item removed. It has NOT worked. Please remove from these bureaus asap. Thank you
Product: Payday loan, title loan, or personal loan

lack of accommodations for dual XXXX XXXX  Title 22 CFR 51.1 and 51.2, 31 CFR 800.224, 31 CFR 800.253 - U.S. national. 12 CFR 1002.2 XXXX r ) ( z XXXX See attached credit discrimination letter.
Product: Debt collection

XXXX XXXX at Sunrise Credit Services is calling and harassing me daily, if not twice daily. Every time I speak with her she says that the payments I can afford are not acceptable and tells me I need to take out loans, credit cards, borrow money from family, have family pay my debt in full, etc. She yells at me on the phone every time I speak with her and is very harassing. I am tired of this. She calls from XXXX different numbers. XXXX phone number is XXXX and the other is XXXX. I informed her that I did not appreciate the harassment. This is a debt charged from a school that I had previously attended but despite taking my student loans, they charged me a fee for not finishing the term. I was not aware that this was even legal to do. Just in the last week or XXXX I have been called on XX/XX/XXXX twice, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. XXXX calls me XXXX times weekly. I am tired of the harassment. I would like my debt disputed for violating guidelines and harassment.
Product: Credit reporting or other personal consumer reports

" According to my TransUnion credit report, XXXX XXXX XXXX 's account number as reported by TransUnion is XXXX. As of XX/XX/XXXX, my previously closed XXXX XXXX Collections account was unlawfully reopened by XXXX and sent to TransUnion. This credit reporting agency has unlawfully posted the negative XXXX  closed collection account as reopened on XX/XX/XXXX, and opened on XX/XX/XXXX. I viewed my TransUnion credit report and it showed biased and unlawful credit reporting by TransUnion towards people of XXXX. My FICO score tumbled down XXXX points following TransUnion 's decision to allow XXXX to reopen my closed account. Now it's displayed on my TransUnion report, which just shows that XXXX XXXX is still alive. '' It appears that XXXX XXXX Collections sent some documents to TransUnion. However, it is unclear whether XXXX XXXX Collections had the legal authority to reopen and close the account without any negative impact on my livelihood. Unfortunately, TransUnion allowed XXXX bias to report the closed account as reopened on my TransUnion credit report on XXXX XXXX.
Product: Mortgage

I paid XXXX on XX/XX/2019 my loan modification person XXXX XXXX will not answer or schedule a time with me the payment was made thru XXXX XXXX ive faxed them proof i did it to where it went directly to them. They leave me on hold and tell me it will take five days my demand letter expires on XX/XX/2019. Mr XXXX told me friday to make two payments to get back to 90 days ive paid almos 3 payments on the XXXX ill make the payment for the XXXXdollars which puts me at two months behind along with the fact that XXXX will also be paid on XXXX. XXXX that leaves me owing XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters Account : XXXX Amount : {$400.00} In accordance with the Fair Credit Reporting Act XXXX  Acct # 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 604A 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

Dear Wells Fargo, I want to bring to your attention a discrepancy in a charged off car loan account XXXX. My name is XXXX XXXX XXXX, and I am concerned about a reported late or missed payment. Pursuant to my rights under 15 USC 1681E ( b ), I request a prompt investigation into this matter.

I also kindly urge you to rectify the reported late or missed payment on my account. It is crucial for my credit history and financial standing that accurate information is reflected in my records, as this incorrect information is currently defaming my character. This matter has recently caused me mental anguish, as well as embarrassment because I was denied credit on multiple occasions because of this matter at hand.

Furthermore, 15 USC 1681a ( d ) ( 2 ) ( B ) provides for all extensions of credit which were derived from a credit card to be excluded from consumer reports. Credit card as defined in 15 USC 1602 ( l ) is any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This means you broke federal law knowingly and willfully, which makes you liable under 15 USC 1681n, which carries penalties of {$1000.00} per violation. 

I appreciate your prompt attention to this matter and expect a resolution that involves the removal of any erroneous late or missed payments from my account and all XXXX agencies. Please acknowledge receipt of this dispute letter, and initiate the necessary investigation per the provisions of 15 USC 1681E ( b ), and resolve this matter amicably according to the FCRA.

Unless you can prove to me that this reporting is lawful you agree to : Remove the late or missed payment indefinitely Zero out the balance of the account indefinitely Keep the age of the account indefinitely Change the account status to open indefinitely Change the payment status to current indefinitely Delete the repossession remark indefinitely Thank you for your understanding and cooperation. 


Sincerely, XXXX XXXX
Product: Debt collection

In XXXX of XXXX, I paid off my devices ( XXXX and XXXX XXXX ) and switched from XXXX post pay to XXXX prepay. The XXXX Representative failed to completely close my Postpay account before opening my prepay account so the system automatically billed me till XXXX XXXX. I had been on Prepay for over 6 months when the account closed. I would really appreciate it if this account would be closed and removed from my credit report it has literally stopped my from buying a home and has caused serious detriment to my credit and my life.
Product: Credit card or prepaid card

Reported fraud charges to jcpenney XX/XX/XXXX. Told I would receive resolution letter. They never responded. Contacted JCP again 3 time XX/XX/XXXX and was told they have no Report of fraud charges and their records don't go back that far in date
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the suggested names is incorrect. Three of the addresses are incorrect. The date that the social security number was issued is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account ending in XXXX has not been updated from the creditor for months the last time they were updated was XX/XX/2020 because of my credit disputes, This company has not been updating my correct balance and payment history for months before this non update was happening my XXXX XXXX account would update on the XXXX of Every Month and it had stopped, I reached out to the XXXX XXXX XXXX XXXX ( The Creditor for this Acct ) to no Avail My payments and balances are not being reported to the 3 credit Bureaus like they once were
Product: Mortgage

Ditech is the current XXXX mortgage holder after it was with Greentree after being at XXXX XXXX. For one I recently filed bankruptcy and the company wanted me to reaffirm the debt, but after reading paperwork they sent the courts the were unsure of my original interest rate and my initial request for modification with green tree disappeared. Then on the paperwork they stated that the loan was able to be discharged, and collateral did not secure the loan. I would like them to remove the lien and the loan because when I call back, the supervisor advised me that was an error by who processed it and just because they sent to federal bankruptcy court did not count. I feel this is fraudulent and they are deceitful.
Product: Debt collection

I disputed XXXX items on my credit reports relating to debts that XXXX XXXX had been attempting to collect on. As part of the dispute process, XXXX XXXX sent out a copy of the bill and a letter from Capital One, but I never received any validation documents, such as a signed contract or anything. While discussing it with them, they claim that the bill is validation. any help would be appreciated.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error.

Pursuant to 15 USC 1666b 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. 

I NEVER gave You, Experian ) OR ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Dept of Education/XXXX XXXX XXXX XXXX XXXX any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681b . Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. You, XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
XXXX XXXX XXXX XXXX I was never late on ( XXXX, XXXX or XXXX ) for this account please update the account as Paid/Current. This Account has been discharged. 

XXXX XXXX XXXX XXXX XXXX XXXX I was never late on ( XXXX through XXXX ) on this account please update the account as Paid/Current. This account has been discharged. 

XXXX XXXX XXXX XXXX XXXX XXXX I was never late on ( XXXX through XXXX ) on this account please update the account as Paid/Current. This account has been discharged. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I was never late on ( XXXX through XXXX ) on this account please update the account as Paid/Current. This account has been discharged. 

XXXX XXXX XXXX XXXX XXXX XXXX  I was never late on ( XXXX, XXXX, XXXX ) on this account please update the account as Paid/Current. This account has been discharged. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX I was never late on ( XXXX ) on this account please update the account as Paid/Current. You cant be late on a Secured Loan with your own money. 

Dept of EducationXXXXXXXX XXXX XXXX I was never late on ( XXXX, XXXX ) on this account please update the account as Paid/Current. This account has been discharged. 
XXXX XXXX XXXX XXXX I was never late on ( XXXX ) for this account please update the account as Paid/Current. This Account has been discharged.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation.
Product: Consumer Loan

On XXXX/XXXX/2016 a complaint was lodge against ally financial inc for allege fraud via complaint # XXXX. Evidently this information was not pass down to its PAYMENT PROCESSING CENTER [ who letter was dated XXXX/XXXX/2016 ] who are threatening me with negative entries to the credit bureaus, this is in direct violation of Federal law, pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] with fines of {$250000.00} or imprisonment not more than 10 years, or both '', this is a DEMAND NOTICE to cease all further communication with me concerning the alleged debt that I have disputed with ally financial inc. 's and ally financial inc. 's CFO ( CHIEF FINANCIAL OFFICER ) regarding this matter. The PAYMENT PROCESSING CENTER is guilty of dishonor of my exemption and Bond sent to them on XXXX/XXXX/2016 via registered mail they are also in violation of copyright infringement, breach of trust, and extortion ...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Under 15 U.S. Code 1681c-2, a consumer reporting agency is mandated to promptly block the reporting of any information in a consumer 's file that the consumer identifies as stemming from alleged identity theft. This action should occur within four business days following the date of receipt of the consumer 's request. 

It has now been a full 30 days since I brought this matter to your attention, and it appears that you are currently in violation of this legal provision. I have been a victim of identity theft, and I am urging you to expeditiously remove the following items from my consumer report : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 XXXX Inquiry Date : XX/XX/2023 XXXX  XXXX Inquiry Date : XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 These accounts should not be included in my consumer report as they are in clear violation of my rights. According to 15 U.S. Code 1681b - Permissible purposes of consumer report, any consumer reporting agency is only permitted to furnish a consumer report under specific circumstances, primarily in accordance with the written instruction of the respective consumer to whom the report pertains. I can unequivocally state that I have never provided written consent to any consumer reporting agency to include these items in my consumer report, which is a blatant violation of my rights as a federally protected consumer. 

I insist that you take immediate action to delete the aforementioned accounts from my consumer report without any further delay. Identity theft is a grave matter, and as a consumer, I am exercising my right to have these accounts removed promptly to rectify this issue. Your immediate attention to this matter is expected.
Product: Credit card

I have been receiving calls on my cell phone and work phone multiple times per day from XXXX at Atlantic Credit & Finance about payment of a past due XXXX Account. He threatens and is very rude and condescending. They have sent me NOTHING in writing to tell me what my balance is or what my options for repayment are. They just demand I commit to paying them {$50.00} every month. We are looking at many items owing and I told them we are evaluating what we can commit to. He then threatens me and tells me they wo n't wait and will just sue me. Again I ask for something in writing showing my balance. I paid XXXX directly {$120.00} this month and they can not tell me in fact if it was applied to my accout
Product: Mortgage

This debt collector has been erroneously reporting late payment and delinquent payments for the last year. This company is an fraudulent debt collector/mortgage servicer and should have been closed down by the financial regulators. How is the bureau going to allow Bayview Loan Services to continue over the last 10 years to fraud and steal from American citizens?
Product: Debt collection

It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. 

DEPT OF EDXXXX
Product: Mortgage

I have filed multiple complaints against Select Portfolio Services XXXX the most recent is case number XXXX ) and they refuse to even research the allegations against XXXX XXXX, the original lender. They state categorically that funds in my modification were not used to pay off XXXX Mortgage because there is no written record in the modification that XXXX did. 
I have requested and XXXX Mortgage is in the process of providing me documentatyion that XXXX did indeed pay off XXXX XXXX XXXX is to send me a copy of the bank wire from XXXX as well as the payoff letter that was faxed to XXXX, complete with XXXX 's fax number on it. 
I will provide this documentation as soon as I receive it from XXXX Mortgage, and it will prove that while XXXX was not listed as being paid off, funds from XXXX that were included in my modification were used to pay off XXXX. 
To assert that my loan balance increased over {$50000.00} due to accrued interest, etc is absurd in itself when the original loan was only around {$35000.00}! 
Again, I request that the CFPB requires SPS to do honest research and in doing so will see that what I am saying is true.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agencies, 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Fraudulent Loan created on XX/XX/2022. 
Loan Number XXXX Borrower Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX OR XXXX Notified : XXXX XXXX XXXX XXXX XXXX my lender of Fraud Today Saturday XX/XX/2033, when I received their inquiries!