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

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} - tied up to open XXXX XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$640.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there should be a catagory for ''CREDIT REPORTING CRIMES AND FRAUD '' this would explain chexsystems making bad reports on my good name WITHOUT HAVING ANY TANGIBLE PROOF OF ANYTHING, XXXX XXXX XXXX XXXX XXXX IM SICK OF THESE XXXX, AND they send me a letter i have a ''consumer file '' how did that XXXX happen? I am not thier comsumer, can i see evidence that im a consumer of chexsystems? SHOW IT TO ME, AND WHO THE XXXX MADE ME A CONSUMER NUMBER WITHOUT MY CONSENT? AND THIS IS A CRIME FOR SURE, LET ME GET THIS STRAIGHT FOR THE UMTEENTH TIME, IM NOT YOUR CONSUMER, IM NOT YOUR MEMBER, IM NOT YOUR CUSTOMER, AND YOU CAN NOT HAVE MY SOCIAL SECURITY ACCOUNT ACCESS, ITS A TRUST ESTATE ACCOUNT AND I FORBID XXXX TO ACCESS IT, AND NO IM NOT GOING TO VISIT YOUR WEBSITE BECAUSE I DO NOT HAVE A CONTRACT WITH YOU CRIMINALS, AND IM NOT GOING TO CALL YOUR XXXX XXXX ON THE PHONE WHICH ASK ME FOR PERSONAL INFORMATION WITCH IS NONE OF YOUR XXXX BISNESS, I WANT TO KNOW ALL WHO YOU ARE REPORTING FOR AND I WANT FULL DISCLOSURE OF ALL REPORTS WHICH YOU HAVE FAILED TO DO OVER THE PAST YEARS AND COMMITTED MORE FRAUD AND CRIMES
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX ( XXXX ) XXXX XXXX My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. Iam attaching proof that Equifax+has admitted that-l was in fact a victim of this data breach and Equifax has done nothing XXXX 
Please help me delete these negative accounts from my credit reports. 
Account # XXXX Name : XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2023, through USPS Registered Mail I sent Discover card a Payment. of {$18000.00} tracking number XXXX. 
On XX/XX/2023 Discover Card received my payment. via USPS registered mail tracking number XXXX. 
on XX/XX/2023 they posted my payment to the account and closed my account due to a reported fraud issue I had in XXXX. 
On XX/XX/XXXX I called after noticing my payment had been posted to my account and I had an available balance of XXXX but I was unable to use my card. 
Discover card then informed me that they closed my account due to reported fraud in XXXX. I was not aware that Discover Card closed my account. I asked them due to the current payment I made in the amount of {$18000.00}, I would like this addressed and either open my account back up and or send me my payment back to me via USPS delivery of my original payment method I had sent to them. Or they could send the payment back to my bank account currently on file. 
They opened a new account and informed me it would take 7-10 days to transfer the payment to my account. 
The {$18000.00} was never made available on my new account nor was it returned to me like I requested VIA-check sent through USPS. I have requested this multiple times for Discover Card to either return the physical payment that I sent to them or issue me a check for that amount and send it to my address on file. 
I still have not received my payment back nor have they credited my account. They continue to call me to try to receive more payments from me, even though I have explained this situation multiple times. 
DISCOVER CARDS Failure to honor, process and credit the intended account has caused loss injury and harm. An offer Of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. Itis their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies.

The Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ) ,3-104, 8-102 ( 9 ) ,9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ) .15 USC
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit that I didnt initiate. I contacted the companies to no avail. I contacted XXXX, Equifax and XXXX again to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX I Account Number : No account number avaliable It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am demanding deletion of all personally identifiable information from my consumer credit report with the exception of : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
This is a demand that my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX {$75.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$140.00} .... violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file another complaint against Experian. On the last credit report I got from Experian it states that the XXXX  XXXX XXXX account number XXXX was a charge off and that the account was paid in full. On the credit report it states that the last payment was received on XX/XX/XXXX. So, if the last payment was received on XX/XX/XXXX and the account was paid in full then why is it showing on my credit report that the account went into a charge off status in XXXX, XXXX. On the credit report there is no issue of there been a delinquency before the XX/XX/XXXX. On the same credit report it says that the account is paid in full and on the account summary it says : Account balance : {$1000.00} Date Payment RECEIVED : XX/XX/XXXX AMOUNT PAID : NO DATA SCHEDULED PAYMENT AMOUNT : NO DATA So, Experian is saying that the account is paid in full and payment was received on XX/XX/XXXX but yet they are saying that they have no data on the amount paid or the scheduled payment. This credit report is loaded with so many inaccuracies I am submitting a copy of my credit report from Experian with all these inaccuracies
Product: Debt collection

XXXX XXXX XXXX XXXX Customer Service Department ] XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Debt Collection Account Number PRSOGS To Whom It XXXX Concern, I am writing to formally dispute the debt claimed under account number PRSOGS for XXXX XXXX in the amount of {$11000.00}, as reported by XXXX XXXX XXXX. This letter serves as my official notice under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) that I do not recognize this debt as valid and request full validation of the amount claimed.

Pursuant to my rights under the FDCPA, I request that you provide : - A detailed accounting of the alleged debt, including a breakdown of charges - Documentation proving that XXXX Debt Recover has the legal right to collect this debt - A copy of any signed agreement or contract associated with this debt Until proper validation is provided, I request that all collection efforts be ceased immediately. Any continued attempts to collect this disputed debt without proper verification may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Additionally, I request that any adverse reporting to credit bureaus be suspended until this matter is resolved. If this debt has already been reported, I demand that it be removed or marked as disputed until a resolution is reached.

Enclosed with this letter are copies of any relevant documents supporting my claim. I expect a response within 30 days from the date of receipt of this letter, as required by law. Failure to comply may result in legal action to protect my rights.

Please direct all future correspondence regarding this matter to my mailing address listed above. Thank you for your prompt attention to this issue.
Product: Bank account or service

We had a line of credit loan with Sovereign Bank. Santander Bank apparently acquired the rights to this loan. After getting the run around with Santander, we paid the loan off in full with Santander in XXXX 2013. Yesterday in the mail, I received a bill for {$65.00} from Santander for a fee on this account. I called Santander. I was passed around to four different operators. I asked to speak with a supervisor after speaking with the second operator. I was never handed off to a supervisor. I was told I needed to go to a local Santander Bank branch to prove my identity. Yet they kept verifying my identity with each operator I spoke with. There are no local Santander bank branches in my state. How can Santander bill for a fee and for what after the account has been closed since XXXX 2013?
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has totally XXXX up my accounts attach is a correct credit file from XXXX
Product: Credit reporting or other personal consumer reports

This account has been updated on my XXXX XXXX report by the XXXX as never late. They took the XXXX day late payment off when i proved it was a banking error. But Experian is refusing to report the correct payment history. Did a rushed quick investigation and reported the same XXXX day late. This has been taken off my payment history as per XXXX 
This account needs to be updated to reflect NEVER/LATE. as it is on my XXXX XXXX credit report. Below dispute results by Experian DID NOT FIX THE PROBLEM. 

The dispute for the account with XXXX XXXX that starts with XXXX has been updated. 

Source : Experian Date Submitted : XX/XX/2024 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Student loan

I have four variable rate student loans that are serviced by XXXX XXXX XXXX. 
The lender is identified on their site as XXXX. 

I looked everywhere on their site to determine how my variable interest is calculated, and when late fees and interest kick in. I was in a position in XXXX where I might need to make a late payment for the first time in years. 

I could not find the variable rate information anywhere on their site. 
The only late payment information I could find indicated that no late fees would be assessed unless the payment was made more than 30 days late. 

I contacted XXXX XXXX on XX/XX/2019 and asked how my variable interest rate was calculated. 
On XX/XX/XXXX they responded, and indicated that my loan was linked to the 91-day T bill and that my payment was 3 days past due. 
That same day, on XX/XX/XXXX, I emailed them back to let them know I would make my XXXX payment on XX/XX/XXXX. 
They failed to respond, and did not indicate that paying on the XXXX would generate any fees or impact my interest rate. 

On XX/XX/XXXX my interest rate went up 1 % to 3.486 %. 
When I called XXXX XXXX on XX/XX/XXXX to ask what happened, they told me that because my payment was more than 15 days late the interest rate was now 1 % higher ... for the life of the loan. 
I was astonished, and emailed XXXX XXXX to complain further. 
They ignored my question relating to why they did not respond to my XX/XX/XXXX email where I explicitly told them I would make a payment on XX/XX/XXXX, and they confirmed that the 1 % interest rate increase was permanent, effectively charging me an additional ~ {$10000.00} over the life of the loan. 

I have attached the email exchange, and my latest statement ( pg. 2 shows the rate jump from 2.486 % to 3.486 % ).
Product: Mortgage

On XX/XX/2020 I made my first payment for my mortgage. The funds were drafted out my account in the amount XXXX on the XXXX of XXXX to Movement Mortgage llc. To this day XX/XX/2020 they have yet to post this payment to my account. My bank has contacted them to help them retrieve the funds that were sent to them. I also have sent multiple emails to support providing proof of payment. The new servicer is threatening foreclosure and im receiving constant debt calls, and I was reported as being thirty days late to the credit bureaus which is not true. They informed my bank that they would post the payment to my account in XXXX and they have not. They are harassing me for a payment that has already been paid and my credit score has dropped significantly because of the false report they made to the credit bureaus.
Product: Student loan

Sallie Mae has constantly harassed me with calls 10+ times a day because Im late on my payment. I have tried months before to set up a payment assistance plan, but was told there are no options for me and I have to pay the minimum amount due on each loan. Im tired of the endless calls daily every hour, sometimes within minutes of each other. Im also tired of struggling to pay the payment with no options.
Product: Debt collection

PNC bank called me at XXXX on a Saturday morning. I usually turn my phone off but forgot. I live in Texas which is in the central time zone. They were calling me from the Eastern time zone. I believe they are calling in regards to a debt that is less than {$100.00}. I had attempted to close my bank account but there was an outstanding charge from XXXX. I had changed my bank information on the XXXX website and PNC bank was not showing up on my account yet it still got debited. I attempted to deal with bot PNC bank AND XXXX and neither would agree to fault or drop the charges. PNC added overdraft fees and daily charges to my account which I refused to pay. I 'm in debt consolidation and have been unemployed several times in the past XXXX months. This is a very low priority for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX ) : 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 collection

XXXX XXXX has contacted at a place where is it inconvenient for them to contact me which is a violation of 15 usc 1692c. XXXX XXXX has not received consent to contact me at my home. There is no law obligating them to contact me. It is inconvenient for XXXX XXXX  to contact me at any time or place. Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location ; Per cfpb complaint number XXXX, it was requested that I not be contacted or communicated with about the placement of this account. XXXX XXXX  was specifically told to cease and desist as confirmed by their counsel. They have violated my request by sending another letter to my place of abode without my consent.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Equifax in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices.

My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Equifax has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations.

2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Equifax may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Equifax has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.
Product: Mortgage

I have a mortage with Mr. cooper my loan payment is due on the XXXX of every month I processed my payment on XX/XX/XXXX and received confirmation it was processed however it never came out of my checking account I am in the process of trying to refinance my loan and to my surprise I did not have my payment made I then reprocessed my payment on XX/XX/XXXX during this whole time I have been in contact with Mr. Cooper to find out they have changed something with their computer systems and my payment did not process. I was promised no fees will be charged I was promised I will not be penalized for this issue however I continue to get harassing e-mails telling me I am late and advise reporting me to for being late. Well, the other day my payment for the XXXX of XXXX was rejected as well now I owe 2 payments and I am in tears. I called yet again and again I have been calling every day I kept getting told have patience etc. So this person told me that they can not see my banking information online any longer and I provided my information over the phone. I am currently still waiting for this to post. It has not again I have confirmations I have e-mails etc. But I am being charged a late fee they are reporting me for being late and are sending me nasty e-mails. I am beside myself at this time as all I ever get from them is I am sorry!!!!! Sorry doesn't buy my groceries which I currently can not afford as I have no money as I still owe XXXX payment as I have to wait till payday XXXX to make that one. In the mean time XXXX XXXX can not go on with my refinance due to all this aggravation I am beside myself and well quite broke please help me! I really can not do anything but pay these XXXX payments I am a single person with a XXXX daughter I care for please. I am tired of hearing we are sorry and nothing more and nothing happens
Product: Credit card

Credit card account of more than {$1500.00} was paid off immediately after being sent to collections. Several months after paying off the debt, the account is still showing as an unpaid and derogatory account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in violation of 15 USC 1692c ( c ) 2, 15 USC 1681b XXXX is in violation 15 USC 1681b Trans Union is in violation of 15 USC 1681b XXXX is in violation of 15 USC 1681b