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

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX  Opened XX/XX/XXXX balance of {$480.00}. XXXX XXXX Opened XX/XX/XXXX balance of {$480.00}. XXXX XXXX XX/XX/XXXX balance of {$780.00}. XXXX XXXX XXXX XXXX XXXXXXXX open XX/XX/XXXX balance of XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i paid off my loan with XXXX, I was told there was a balance left for taxes and fees in which i paid off in full XX/XX/2019. Then recently i get an updated credit report and they put a 30 late on my credit file for the month of XXXX.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history 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 to be 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 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Your inaccurate reporting has had severe consequences on my character, reputation, lifestyle, and ability to obtain credit for personal and housing purposes. It has significantly impacted my livelihood.
Product: Mortgage

I got an offer for refinancing from Capital One Mortgage. I called them, they went over the terms and I requested further information. I got the paperwork in the mail, and all over the paperwork it said, once you sign this and return it, you are accepting our good faith offer. I never signed anything. I asked if I could have an extension on turning in all the documentation they requested from me, they immediately charged my debit card {$450.00} for closing the loan. I never accepted the loan or good faith estimate so this does not seem legal. When I asked the loan agent, I was told that they would not refund my money but would maybe consider reopening the mortgage but the interest rate had gone up. I then asked the agent if it would make sense to pursue a refinance where the interest rate difference was .25 % ( one quarter of a percent ). and I NEVER HEARD FROM HIM AGAIN. I did contact XXXX, Capital One 's response was that they were not changing their position and were keeping my money.
Product: Mortgage

I believe Specialized Loan Servicing purposefully under calculated escrow accounts during mortgage modification to make my modification appear better than it actually is. 


This is reflected in the rapidly increasing escrow shortfall and the resultant increased monthly mortgage payments. 

In 2021, although my property valuation did not increase, escrow shortages have increased mortgage payments over {$100.00} per month.
Product: Credit card or prepaid card

Using my Chase Freedom Unlimited credit card, I purchased two XXXX XXXX   XXXX on XXXX on XX/XX/XXXX. I ended up getting a better deal and returned the phones to XXXX on XX/XX/XXXX, they were delivered on XX/XX/XXXX. At the end of the month I noticed that I was not credited for my return and I contacted XXXX in regards to this. XXXX claims to have never received the phones despite USPS tracking saying that it was received. I contacted Chase to dispute this transaction and provided the tracking information. Later, Chase called me saying that I had 1 hour to provide additional tracking information or else the dispute would be closed. This was not enough time and I was informed that I would be able to provide more information and re open the dispute. I contacted USPS and they confirmed that XXXX was in possession of the items, when I provided the information to Chase, initially they said this should be enough. Then a few days later Chase told me it was too late, too much time had passed, despite them never telling me about any deadline.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation 60 day now
Product: Credit reporting or other personal consumer reports

XXXX, did not properly investigate my claim. After 48 hours they returned that they completed the investigation. They indicated file has been updated. When I compared the old with the after screens. No updates were made. XXXX disadvantaged me by failing do conduct a thorough investigation. If they had, they would have resolved my inquiry and removed XXXX XXXX from my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA furnished this account on my report after I let them know this account isnt mine. They send me statement back saying verified. According to the law an account can only be verified by the consumer and personal interviews. So in the extent who are the names that were interviewed to say thus account was verified. This is aggravated identity theft. I did not give any one written consent to furnish this account on my reports. This is causing damage to my reputation.
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for credit Genie and paid the subscription, it kept telling me to add another bank because XXXX  was not compatible. I reached out and spoke to them by email with them telling me I was approved for a cash Advance which was false. They deleted my account at my request after I paid subscription fees for no Advance and basically for absolutely nothing benefits me
Product: Credit reporting or other personal consumer reports

my social was stolen and has been used to apply for infomation i have unathorized inquiries on my account that do not belong to me and and accounts that have NEVER been mine and are reporting on my credit profile I have a brand new are not mine INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - WAS NEVER MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor give consent to the following inquiries being furnished on my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a XXXX XXXX XXXX XXXX  and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a XXXX XXXX XXXX XXXX!! Please delete these items as soon as possible! 
XXXX XXXX
Product: Credit reporting

I have a XXXX XXXX account that was readied to my credit report, that is both sevens years old and not mines. I have disputed and sent in correct paperwork to have re-deleted from report. Also received letter from discovery card that they will look into issue.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone else information/account has been added to my credit report. The account balance is XXXX opened on XX/XX/2XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/year> XXXX XXXX  XXXX Subject : Request for Account Details Dear Sir/Madam, I am writing regarding the account listed under my credit report with the following details : Account Number : XXXX Creditor Name : XXXX XXXX  XXXX I would like to clarify that I am not disputing this account. However, I kindly request the following information for my records : 1. The Date of First Delinquency for this account.

2. The Date of Last Payment made on this account.

3. The Date of Charge-Off for this account.

Please provide the requested information in writing at your earliest convenience. I appreciate your cooperation in this matter. 
Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

So basically cashapp just feel like they can take money from my card anytime they want its very unacceptable I used cashapp as a bank my hard earned money just be taken away
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute in XX/XX/2021 and never was given any information. On my credit report XXXX and Transunion are reporting that XXXX 's XXXX was over 30 days late multiple times. I have my transaction history to prove I wasn't late.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please close ulta card and not charge any occurring fees since I phoned in XX/XX/2022 to close account I'm being charged, account is still active. XXXX XXXX account and any occurring fees
Product: Credit reporting or other personal consumer reports

Went through XXXX with Bank, and according too the XXXX company myself nore XXXX. We're supposed too be able too be represented by a Attorney, or Law Firm. As an XXXX is like a small claims case. But for some reasons XXXX, was allowed too not only be represented by both. But was allowed too present false, and tampered with documents in the case. Where when I disputed the evidence and documents. The hearing Judge. Said, for me to provide copies of my original documents where I sent statements, receipts of funds from me being put in the accounts and documents that the accounts were indeed, mine. But according too XXXX, supposedly Attorneys. At first they claim XXXX, said the accounts were not there's. Then a week before the Judge ruling XXXX through their Attorneys claimed that they had found the accounts and numbers. But that the accounts nore the account numbers were under my profile. So when I asked, the Judge about why would the accounts be under my name, social security number and address and it shows I was placing funds in these accounts. The Judge said " XXXX Attorneys, if it turns out that these accounts are indeed XXXX XXXX, I will have too rule in his favor and award him the amount he is requesting are you all sure that you don't want too try settling this before I make my ruling? XXXX Attorneys said NO. These accounts have nothing to do with XXXX XXXX. Where I was giving the final statement where I said " Your honor, once again if these accounts were not mine why would I have been paying the accounts, why would I be putting money in these accounts and why would these accounts be sent too me under my personal information? " After the XXXX, I was told I could get a copy of the audio tape of the hearing. When I called the XXXX company, they claim that they could not find any information on the case. Which was strange, because they sent me the ruling document. But then claim that they couldn't find anything on the case in their system. Then I seen your company went after them and won.
Product: Vehicle loan or lease

Westlake Financial Cancelled my Auto Loan Contract because i missed the first payment by 10 days. Upon speaking with a manager at WestLake they stated that they would refund me my first payment due to the contract being cancelled. I have not received the refund 2 months later and Westlake is stating that the money is with the dealership that sold me the vehicle. I contacted the dealership and they stated that they do not have this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX found out name was breached in XXXX Data Breach. I notified the credit bureaus, FTC ID Theft Affidavit was filed and was given a claim of the Breach. 

I sent out letters XX/XX/XXXX and to dispute the erroneous accounts, addresses, and names that proves it not mine and requested investigations and verify that all info on my report are correct and accurate. 
According 15 USC 1681i, everything must investigated in 30 days and with verifiable and accurate info. EXPERIAN and XXXX has violated my rights by simply not even investigating the errors. They also did not add that the accounts were in dispute. This is another violation of my rights. 
XXXX and EXPERIAN deleted XXXXXXXX XXXX account but illegally put back on the same disputed account with a new number. 
I have attached the FTC AFFIDAVIT that was filed in XXXX along with the new Affidavit showing the illegality of the XXXX. 
XXXX XXXX XXXX ND XXXX is commercial building, XXXX XXXX ND XXXX has three different variations of same address for abandon building. 
There still 20 variations of my name and 10 diffrent addresses. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Card XXXX Delete these errors and accounts that are not mine or I will want monetary compensation for my violating rights also discrimination due to my age and fraud.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX  XXXX - Account number - XXXXXXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. - Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Debt collection

XXXX XXXX  stated to me to pay the balance of {$170.00} to XXXX in which i paid with no response proof provided as attach below
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX 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 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 in those accounts to be removed.

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 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Students loans have always been in deferred status. Company incorrectly reported late fees when the account was transferred to another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with he Fair Credit Reporting Act, XX/XX/2022, SELF FINANCIAL INC / LEA has violated my rights. 15 U.S.C 1681 section 602, A. States I have rights to privacy. 15 U.S.C 1681 Section 604 Section 2 : Its also states a consumer reporting agency can not furnish a account without my WRITTEN instructions 15 U.S.C 1666B : A creator may not treat a payment on a credit account under a open end consumer credit plan as LATE FOR ANY REASON. Company was contacted with no fixed errors made, and declining request of fix.
Product: Credit reporting

I have submitted these requests for corrections to my credit report multiple times now and have yet to see any change. I have even spoken with the creditors collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.
Product: Mortgage

We recently refinanced our mortgage and were transferred to BSI Financial. Our first payment we tried to make was on XX/XX/XXXX through their online payment portal. We received a confirmation number and never heard anything else. Usually my mortgage payments get taken out right away and says processing for the amount until it clears. It never happened with BSI so I checked my bank ( XXXX  XXXX XXXX ) and called them and they said that they never had any record of BSI trying to take a payment. I called and they said it could take up to 10 days to process. I called back on XX/XX/XXXX and they said that I had been charged a return check fee. I had no notification of this and in the portal it said my payment had gone through XX/XX/XXXX and that my next payment wasn't due until XX/XX/XXXX. When I called the second time on XX/XX/XXXX, I asked why my first payment did not go through. The lady mentioned that in the notes it said that the number was wrong and told me to pay again. I did and she said it would process by Monday XX/XX/XXXX. I called for the fourth time on XX/XX/XXXX and the woman on the line walked me through the routing number and account number that I used that she could see on her end. It matched my account perfectly. She even mentioned that she had no clue why it would have bounced and said maybe it was something on XXXX  XXXX XXXX 's side. She got me a waiver for the phone payment and ran the payment for me again. I called XXXX   again after my 40+ minute phone call with her and they said that it is XXXX XXXX so the mortgage department is closed at XXXX  but she said they had no record of any transaction or attempted transaction. I am beyond frustrated and just want to pay my mortgage. I have never had a single fee or a late payment and we are getting dangerously close to that point.