23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Howard Hanna mo rtgage wanted me to close  XXXX  credit cards and pay them in full at  XXXX  bank and give proof that it occurred. They did n't specify how the proof was needed.   XXXX   credit cards were paid in full and closed prior to closing however the mortgage company then further detailed that the credit card company had to email me a letter stating that this occurred. That was against the guidelines of the card company. They would only send a letter which could take weeks that stated that the account was closed. I pleaded with them but they would not budge. They did agree to verbally explain that they were paid and closed but the mortgage company would not allow that to happen. I 've tried to explain that they are requiring me to provide something that can not be provided. I now worry that the loan will not close because of this and I wo n't get the house.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE 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. 

This company 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, credit repair services, or other personal consumer reports

I had a dispute with XXXX XXXX where they were wanting {$1100.00} to settle an account. I offered them a settlement on XX/XX/2017 in the amount of {$300.00}, which they accepted as indicated by their cashing of the check ( see attached ). However, XXXX incorrectly referred the difference of approximately {$830.00} to a collection agency. I disputed that amount with the collection agency and XXXX ( see attached XX/XX/2017 letter ). Neither XXXX nor the collection agency ( XXXX ) pursued the collection any further. However, it was reported on my credit report as a negative account. I contacted the credit reporting agencies and provided them the information but they have not taken any action and my credit report other than to note that it's " in dispute. '' I am requesting that this issue be resolved on my credit report and the negative account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX XXXX are reporting a tax lien from the XXXX County Circuit Court for the State of Indiana. In attempting to dispute the liens against my business I have been unable to receive a copy of my business report to dispute the information unless I pay {$49.00} or more for a copy of my credit report.

I spoke to an XXXX   representative who initiated a case on my behalf  with XXXX  Business Credit and told me that I would receive a copy of my business credit report almost two months ago. To date, I have not received the report or any additional requests for information. The  XXXX  business grade of " F '' has caused my business undue hardship because of inaccurate reporting and prevented me from being able to obtain much needed business funding in the midst of COVID-19.

I have attached supporting documentation that shows I do not have any outstanding debt in the State of Indiana as I have never done business there.
Product: Credit reporting or other personal consumer reports

Complaint Facts Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX, XXXX Texas XXXX Consumer Social Security Number : XXXX Consumer Date-of-Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following identified accounts ; XXXX XXXX XXXX, Account number private, Balance {$500.00}, Date opened XX/XX/XXXX XXXX XXXX XXXX, Account number private, Balance {$8500.00}, Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # 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. 

I have also provided Proof Of Identity as well as Proof of Residence documents for your review and confirmation of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax seems to have released my personal identifying information, including Social Security number and credit card numbers, to unknown persons as part of the 2017 " hack ''. They should compensate me for my time and trouble monitoring and scrubbing information about me in their database in the months to come.
Product: Credit reporting or other personal consumer reports

am writing with the utmost urgency regarding multiple inaccurate and falsely reported items identified on my recent credit report. These inaccuracies must be addressed and removed immediately as they represent clear violations of federal law, including 15 U.S. Code 1681o and other provisions of the Fair Credit Reporting Act ( FCRA ). 
Many of these inaccuracies stem from XXXX XXXX, and as such, I am invoking section 605C of the FCRA, which mandates the deletion of information from a credit report that results from such practices. Your failure to maintain reasonable procedures to ensure maximum accuracy under 15 U.S.C. 1692g leaves your agency potentially liable for negligence, as demonstrated in XXXX v. Equifax Information Services LLC ( XXXX XXXXXXXX XXXX ). 
Federal credit reporting laws require 100 % accuracy in reporting, and the items listed below fail to meet this standard. 
Enclosed with this letter are copies of my government-issued ID and utility bill to confirm my identity and residency, leaving no grounds for further delays. 
1.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$660.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$660.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I requested an investigation with XXXX XXXX into my Fay Servicing account,  because as of XXXX XXXX, XXXX a mortgage modification was done but the account continues to show negative information ( delinquent payments and past due amount ). After a modification is done the account should show current. The investigation came back with no information being changed. A second investigation was requested on XXXX XXXX, XXXX, and as of this writing the account still stands in the negative.
Product: Debt collection

I am disputing a collection account reported by Credit Collection Services ( CCS ) on my credit report. However, I do not recognize this debt, and CCS has not provided any information about the original creditor or type of debt. 

Account Opened : XX/XX/XXXX Balance : {$310.00} Reported as of : XX/XX/XXXX Status : Placed for collection I have disputed this debt with CCS and the credit bureaus, but they continue to report it without proper validation.

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to request written verification of the debt, including : 1. The name of the original creditor 2. A full payment history and breakdown of how the amount was calculated 3. Proof that CCS has the legal right to collect this debt I formally requested this information from CCS, but they failed to provide proper validation and continue to report this account. This unverified debt is negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX multiple times in the last XXXX  months and have requested to be removed as an authorized user. The account holder has also called to have me removed from account and when we call XXXX XXXX States i have been removed but the account still shows on my credit reports.
Product: Credit card

The company is engaged in harmful and exploitive billing practices. 

Their behavior is already caused me problems on two different occasions. I have been carrying a balance, but I pay the minimum amount due every month via auto pay.

Ona preious and recent occation and made a big manual payment to ay down my account but the bank still charged me for the minimum payment. on a recent occasion i checked the banks app and was shown that payment due was zero, but the bank still took out a payment from my account for the amount of {$160.00}. The unexpected charge reeked havoc on my bank account. 

double dipping happened to me with any other bank. This is quite predatory. I am requesting that the practice be stopped. 

Thanks XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I disputed two charges under claims and defenses for services that I did not receive. 

Capital one refunded one of the charges, billed on XX/XX/XXXX, but not the other, billed on XX/XX/XXXX for {$150.00}. 

I never received the services, and I have sent many letters asserting my rights under claims and defenses. I want the charge for {$150.00} on XX/XX/XXXX reversed. 

In the most recent letter that capital one sent, they state that the transaction I was disputing was from XX/XX/XXXX, making it too old to dispute. This date is not correct, I did not even live near the merchant on that date. Capital one is fraudulently denying my claim.
Product: Debt collection

Lanier Collection agency continues to report on my credit {$210.00} for agency XXXX XXXX    XXXX, the original creditor. The latest being submitted on XX/XX/XXXX. I first included this bill collection in my XX/XX/XXXX Chapter XXXX Bankruptcy filing. When modification was necessary to add additional bills was granted by the courts, this same bill was resubmitted in the new Chapter XXXX filing in XX/XX/XXXX. However, Lanier Collection agency constantly report this bill collection like it is a new collection. Numerous times I've disputed this collection with XXXX   after I realized what was happening, but Lanier Collection agency keep reporting this same collection to my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a debt from a company XXXX XXXX XXXX and that debt has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing several accounts with XXXX XXXX, Military Star Card, and XXXX XXXX XXXX XXXX that are negatively reporting on my credit reports. 

I have requested debt validation statements and information in writing showing that I owe a debt with the companies in question and the debts legitimacy with proof of signed contracts agreeing to the debts, and statements showing I personally accrued the debts and if the companies in question can not furnish all documents proving the legitimacy of the debts to the three major credit bureaus and myself via XXXX certified mail with the companies in question or to have these accounts removed from my credit reports. And have no future reports to my credit from the companies in question. 

All request have gone ignored and not furnished from any of the companies in question. 
I have also disputed the inaccuracies with the three major credit bureaus and they have no removed the items. 

As of today XX/XX/2021 I spoke with a XXXX representative and I was told a creditor can report whatever they want to my credit without supplying any information of the debt being legitimate.
Product: Debt collection

XXXX has a debt on my account that should not be there. I traded in a my old phone for a new one and they are saying I owe about {$1000.00}. This was about 7 years ago. I called and told them and the report is still on my credit report.
Product: Money transfer, virtual currency, or money service

There was an unauthorized party that took my personal PayPal account and registered a business under it and reassigned my account to a name other than my own and a different phone number. This account eventually took a payment in Euros that I did not recognize. Upon receiving this information I filed a dispute with PayPal and they said there was no unauthorized activity even though I reset my password and said I did not know who sent a payment to me ( dispute resolved by PayPal on XX/XX/year> ). I believed that I had closed my account after this issue, fearing additional fraud would be committed using my account. I just discovered today that my account was never closed and that another debit card had been added to my account that I did not recognize. I then tried to close my account, which had been converted from a personal to a business account by the hacker, but received an error message from PayPal. The only obvious course for resolution on their website was via their XXXX XXXX which sent me on a circular pathway through their website without any resolution. I just kept clicking " close account '' as suggested by the chatbot and received the same error every time. I had to separately look for the customer support line, which was not easy to find. When I called the number it tried multiple times in the initial options menu to redirect me to the website and chatbot, rather than letting me speak to an actual person. The only good interaction I had through this entire process was once I got in touch with a human in customer service to close my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX RAN MY CREDIT TWICE WAS SUPPOSED TO XXXX TRANSUNION AND XXXX  ERRORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

companies or banks failed to inform me before using my informations while leading to hard inquiries
Product: Credit reporting or other personal consumer reports

I wrote a very detailed letter to request all inaccurate information listed on my credit reports to be updated and permanently removed. Upon deletion, I requested a letter after the information has been updated and/or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bank by the name of XXXX XXXX XXXX is reporting a debt on my XXXX, XXXX, and Experian Credit reports. The amount of the debt reports to be for {$180.00} and was opened on XX/XX/2018. 

I have filed several disputes with this debt collector as this was an account that I have no knowledge of nor did I authorize it being open. It is the result of some form of ID Theft. however, the company always comeback with the standard response as, " Verified as Accurate ''. However, no further details are provided. No copies of a DL or any type of documents to suppose the opening of the account. 

As a result of this inaccurate and incorrect reporting, my security clearances with my present employer are in direct jeopardy and I could very well loose my job. To that end, I am requesting a thorough review and these reporting 's be removed from my XXXX, XXXX, and Experian credit reports immediately and sent back to the original creditor for further review and investigation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the 3 Credit Bureaus , a credit reporting agency that has reported new collection accounts, late closures, charge-offs, repossession and inaccurate personal information entries on my credit report. I believe the account 's information is inaccurate or unfair, such as incorrect account statuses, wrong dates, or any other discrepancies. I had attached copies of supporting documents that support my claim that the reported account information is inaccurate or unfair. These documents may include payment records, correspondence with the creditors, repossession records, and any other relevant evidence. I have previously disputed these inaccuracies with the credit reporting agency or the creditors. I believe that the inaccuracies and unfair account 's information on my credit report are causing significant harm to my creditworthiness and financial well-being. I kindly request that the CFPB investigates this matter and takes the necessary steps to ensure the accuracy and fairness of my credit report. The following fraudulent accounts and inaccurate personal information in question and needs to be removed are as follows : XXXX XXXX XXXX XXXX XXXX  TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX  : {$2200.00} XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Debt collection

On XXXX at XXXX XXXX  I called XXXX XXXX XXXX XXXX, XXXX & XXXX after receiving a letter on XXXX that was dated XXXX. Threatening me that if I dont resolve the matter within XXXX  days of the date of the letter ( XXXX ) they would sue me. I Offered to pay {$XXXX} dollars a month to resolve the {$XXXX} debt, he asked me what I make and I told him that was none of his business. He said in order to come to an agreement on making payments. I again said I will make {$XXXX} payments every month, he then asked me if I could pay {$XXXX} a month and I told him no. He then asked me if I could pay {$XXXX} a month and again I told him no. I told him all I could afford was {$XXXX} a month, he said that he could not except that and since I would not tell him what I make that they probably couldnt except much less than what he offered me. I told him that he was refusing my payment arrangement and that is wrong, he said said no he was not refusing it since I wouldnt tell him how much I make. I also asked why no one had called me and he said they had tried, I told him I had not gotten any calls or voicemails and he said that my mailbox mustve been full. I told him no it is never full and he said that was not his problem that my mailbox was full. He was very rude and talked down to me and acted like I didnt have any rights and again I told him that he was refusing my offer and told me that I would have to call back in a couple days to see if a decision was made to except my {$XXXX} but that since I was not corporating with him they probably wouldnt except my offer.