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

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 



any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Mortgage

My original home loan mortgage provider was XXXX. After 1 month, my mortgage was sold to Freedom mortgage who is presently my current home loan mortgage. I inquired as to paying my mortgage on a weekly basis and was told that I could do so with no pre-payment penalties. Later, I discovered that said weekly payments were placed in a suspense account until the total of my mortgage payment was received. After reaching out to Freedom mortgage to address this issue, I was then informed that they do not accept partial payments. In essence, Freedom mortgage is floating my money by not applying it directly to my mortgage as paid, hence indirectly preventing my ability to prepay my mortgage, make additional payments to principal, and indirectly penalizing me from making extra payments to principal or making additional extra payments to pay off my mortgage in a more timely fashion. 
A similar issue has also occurred while making an extra full payment on the anniversary of my mortgage to reduce my principal, and once again, this payment is applied as a extra payment in suspense and not applied directly to principal. 
Only after contacting my mortgage lender directly did they then apply the extra payment to principal. 
Keep in my mind that my monthly mortgage payments are noted as monthly payment and my additional, extra monthly payments are noted as apply to principal. 
Unfortunately, like clockwork, I have to reach out to Freedom Mortgage every month to ensure that my payments are correctly credited to premium and to principal despite being noted on my payment. 
In closing, despite my numerous requests, Freedom Mortgage is preventing me from making payments to principal, the ability to pay my premium on either a weekly or biweekly basis without those funds being placed in suspense as opposed to being applied directly to my account, yet again, preventing me from reducing the principal of my loan, the ability to pay off my mortgage early, and the possibility of reducing the term of my 30 Year Mortgage. 
I would like to add that I have in my possession, dates, documents, statements, phone conversation notes and additional written correspondence that lends credence to my complaint and is available upon request as I dont know what documentation you would deem necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer portfolio services is on my credit reports please remove at once!
Product: Debt collection

Received a bill from AR Resources on XX/XX/19 attempting to collect a debt for " XXXX XXXX XXXX XXXX '' in the amount of {$210.00} for my Daughter, XXXX XXXX. I do not owe XXXX  XXXX XXXX XXXX any money. I dispute the validity of this debt.
Product: Credit reporting or other personal consumer reports

I opened A Business credit card in XXXX of XXXX. As per the terms of the agreement this credit card is stickily for my business use and that any reporting will be to my business credit report and not my personal credit report. I have not missed a payment nor been late with a payment or any other default in regards to my business credit card. It has been reflected on my personal account since XX/XX/year>. I contacted capital one customer report and explained the inaccurate reporting to my personal credit report and how it is having a negative effect on my creditworthiness and they did nothing to remedy the matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below hasviolated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It alsostates a consumer reporting agency can not furnish a account without my writteninstructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agencymay make any consumer report containing any of the following items of informationAny other adverse item of information, other than records of convictions of crimeswhich antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) Aperson shall not furnish any information relating to a consumer to any consumerreporting agency if the person knows or has reasonable cause to believe that theinformation is inaccurate. Delete the accounts below : 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
Product: Other financial service

As of XXXX XXXX I had repaid my debt with an excessive amount. On that day, according to my account NBP sent a reimbursement check to me. I have not received it. When I contacted by email I was told to contact XXXX, to whom my last payment was made. When I contacted by phone two weeks ago I was told the holiday weekend may have slowed the check in the mail. I was told to call back at the end of the week if I had not received a check. This week I contacted XXXX, which actually showed that I had a XXXX cent credit which they promised to send to me. I called NBP immediately after and was told that XXXX owed me. I explained that, no, according to both statement and conversation with XXXX, they do not owe me more than XXXX cents. After being placed on hold I was told that I could call back after the XXXX of XXXX because only then would they be able to void the check and send me payment. I might also add that every month I received an email threat that they would take my monthly payment from my account and if there were insufficient funds I would lose even more money. They, apparently, do not hold themselves to the same standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  instead of completing an investigation is engaging in illegal retaliatory tactics and trying to punish me and I would guess other consumers as well for exercising rights under FCRA, this account information is older than 7 years old, XXXX also illegal allowed me under 21 to open this account and gave me a credit limit they were very well aware that I would not be able to afford paying back. I am XXXX XXXX XXXX and this account is older than 7 years, if I still need to be held accountable for this maybe we should also go back 7 years and investigate why XXXX thought it was appropriate to give an XXXX XXXX XXXX still in XXXX XXXX a credit limit of {$1000.00}. I have filed a complaint at XXXX XXXX XXXX as well as they are now making my credit scores drop with their predatory practices. There is no outstanding balance on this account either.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello this account is invalid because the date of last payment is completely inaccurate XXXX and XXXX say it was on XXXX and Equifax says that the last payment in the account was in XXXX the fair credit reporting act established that all the accounts reported in a credit report have to be 100 % accurate and verifiable if it is not it have to be removed from my credit report XXXX XXXX reported this account but the information is completely inaccurate. I have already sent letters to equifax about this account but I did not have any type of answer from them this is a violation of my rights as a consumer, please removed this account
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 XXXX XXXX which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX 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 listed IMMEDIATELY.
Product: Credit card

XXXX of all, I am a LEGAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I came here at the invitation of the XXXX Government and when I got in the USA the financial / credit system was new to me. I 've learned that I have to build a credit history and credit points and I have to prove that I am an educated planner and responsible credit card user which I did. XXXX of the XXXX credit cards I obtained was from Home Depot and because the credit line was small I could n't use it very much, and my credit score at that time was not enough to request an increase and I was advised to wait some time and then to request an increase. Mean time I builded my credit points, I worked hard to pay always on time and here I am with an Excellent credit score after a couple of years. I constantly checked on my online Home Depot Credit Card account to see if there is any line increase available for me but all of a sudden my account was closed. There was no notice, no letter, no message about the closure, I just discovered that from the Credit Bureau that is a mark with an account closure and I had no knowledge about it. There is no limit in their terms and conditions for not using a credit card before it is closed. I contacted the Client Care and the person could n't give me a time limit for not using a credit card with them and it seems arbitrary - they choose when to close an account or not. I was advised to re-apply but that means to hurt my credit score. Then I asked to submit a complaint and I got no ticket number. The Client Care representative told me : " There is no way to provide you with a tracking number. I can not give you anything such as an email or notice. Your complaint has been forwarded to a specialist ''. 
At this point I do n't know what 's their terms and conditions regarding the time I can have a credit card without using it and what is the status of my complaint.
Product: Credit reporting or other personal consumer reports

Despite my previous attempts and your assurances, the fraudulent items have not yet been removed from my credit report. This continued presence of unauthorized charges is deeply concerning and detrimental to my financial well-being. 

I urge you to take immediate action to rectify this matter by promptly removing the fraudulent items from my credit file. These inaccuracies not only damage my credit history but also pose a significant risk to my financial stability and reputation. 

Furthermore, I request transparency regarding the progress of your investigation into these fraudulent entries and the measures being taken to prevent similar incidents in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$21000.00} ; XXXX  XXXX Balance : {$1100.00} ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$1100.00} ; XXXX XXXX XXXX Balance : {$21000.00}.
Product: Payday loan, title loan, personal loan, or advance loan

The company reported me as 30+ days late even though I had my account in autopay.

I submitted disputes with the 3 bureaus and XXXX, they all sided with me, and the business agreed and apologized for a human error on their side. They claimed the record was corrected. 
The record was corrected for 3 days, until the credit bureaus got a new report that made the account show as late again. 
Every time I contacted the lender they refuse to acknowledge or agree they made anything wrong.
Product: Debt collection

I keep getting request 's to pay a bill from a debit collector for a Dental office in XXXX XXXX, TX that first does not exist, second I do not live in TX I live in MI, Third the address for the Dental office belongs to a different organization, I checked with my dental office which is the correct name only and I do not owe them anything in fact I have a credit pending also they do not use this company for debit collection.
Product: Credit reporting or other personal consumer reports

I like to file a dispute for fraudulent items liste on my credit report. I did not give permission for anyone to use my identity and I never signed up for these two items. The items are as follows XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  Also filing a dispute for inquiries that i never gave for permissible purposes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have filed an Identity Theft Report with the FTC. The report number IS XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern at XXXX, Equifax and XXXX, I am writing to express my deep concern over XXXX, Equifax, XXXX furthermore known as " the XXXX bureaus '' failure to investigate my mailed-in disputes, resulting in a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have received a response letter from " the XXXX bureaus '' indicating that my mailed-in dispute request " does not appear to have been sent directly by [ me ] or to be authorized by [ me ], '' which is not only inaccurate but also constitutes a failure to investigate my disputes as required by the FCRA. 
Let me be clear : I have never used a credit repair company or any XXXX party to submit disputes on my behalf. I am the sole author and sender of each dispute I submit to " the XXXX bureaus '', and I have provided notarized documentation along with identification to prove my identity. There should be no ambiguity regarding the legitimacy of my mailed-in disputes. 
According to FCRA 611 ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of information in their credit report, the XXXX XXXX XXXX must conduct a free reinvestigation to determine whether the disputed information is inaccurate. " The XXXX bureaus '' refusal to investigate my mailed-in disputes on the grounds that they " do not appear to have been sent directly by [ me ] '' is a clear violation of this provision. 
" The XXXX bureaus '' ongoing practice of sending letters that delay the investigation process by questioning the authenticity of my disputes is unacceptable and constitutes a significant breach of my rights under the FCRA. By failing to conduct a timely and thorough investigation into my disputes, " the XXXX bureaus '' is causing unnecessary delays, which impacts my creditworthiness and financial well-being. 
I demand that " the XXXX bureaus '' promptly address this issue by : XXXX. Opening and investigating every mailed-in dispute that I submit upon receipt. 
XXXX. Stopping the practice of sending letters that question the legitimacy of my disputes without valid grounds. 
XXXX. Complying with FCRA regulations that mandate the investigation of disputes submitted by consumers. 
If " the XXXX bureaus '' fails to comply with these demands and continues to violate my rights under the FCRA, I will take further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies to enforce my rights. 
Thank you for your immediate attention to this matter. I expect a response confirming that " the XXXX bureaus '' has corrected its practices and will properly investigate my mailed-in disputes in accordance with FCRA requirements. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I am the cosigner to my son 's student loan and I would like removed from this loan. Also, it is an adjustable rate loan and it keeps going up and up. Help.
Product: Debt collection

I am writing to express my extreme dissatisfaction with the inaccurate and incomplete credit information that is currently listed on my credit report. It is unacceptable that such errors have been allowed to appear on my credit report, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. I am demanding that you immediately remove the following items from my credit report : XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and XXXX/XXXX  XXXX. I request that you provide proof of the alleged items, specifically the contract, note, or other instruments bearing my signature. If you fail to provide such evidence, the items must be promptly deleted from my credit report. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit card

The Citi website is not functioning as promised and as designed. It will not allow electronic access to transaction. The website worked properly in the past, and my accounts with other banks do not have this deficiency, so I believe the problem is the result of some change Citi has made. I asked repeatedly for the problem to be corrected. I talked to at least ten people and countless robots. No agent knew how to fix the problem, so I was told the problem would be escalated and I was given case number XXXX. I called again today and could only reach a robot which said the wait for an agent would be over XXXX minutes. I gave up and filed this complaint, hoping to get the attention of some responsible person at Citi
Product: Payday loan, title loan, or personal loan

I took out this loan because I had a few payday lenders that were bankrupting me. Mariner was the only company that would give me any relief by reducing my payments to one a month and extending the time period I have to pay, but only under a Title Loan option. I accepted because it actually appeared this was a rare good financial institution offering things like protection from possible disasters like unemployment or XXXX requiring the Taking of my car. But like one of the most famous FL XXXX XXXX XXXX and XXXX in history, XXXX XXXX, this company smiled and took me in by not letting the true monster out till there was no escape. Within the first few months of taking out the loan in 2019, I was the male victim of a XXXX XXXXXXXX. Thankfully, the man who did this to me is now in jail. That event created a XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX, eventually leading to my being laid off at the start of the pandemic. What is occurring makes no sense and is fraudulent. I am a XXXX individual with a title loan that has XXXX insurance. 
But in an insane through the looking glass twist, Mariner says I have to be working while XXXX to take advantage of it. What? Obviously, most XXXX individuals can not work. This company also has unemployment insurance on the loan, but like a XXXX XXXX, the unemployment insurance has a time limit, which I apparently have exceeded. Ha!! Even more shocking, I received approval for XXXX from the state of Florida already almost a year ago because of my XXXX. This occurred based on my paperwork alone without even interviewing me. Florida did not expand XXXX unlike most states, so this approval shows how severe my case is. Still, I was notified of car repossession by this sick predatory lender yesterday. It is absolutely nuts to be a company that offers XXXX and unemployment insurance and I am a person who qualifies under both insurances, and Mariner still wants to try to take my car, as opposed to having the loan continue to be paid under the insurances I qualify for.