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

Ive sent a dispute to experian and XXXX on XX/XX/2021 and followed up with a second letter that was sent on XX/XX/2021. I have not got response nor receive a response by mail. The late payment for XXXX XXXX, XXXX, and XXXX XXXXXXXX needs to be removed immediately since its been 30 days and also reporting different dates for late payment.
Product: Checking or savings account

Ive had missing money I was told I cant use a debit card because of my account only being able to send and receive money. Obviously I had other bank cards linked to my account and filed disputes with those banks because of missing money that was originally transferred from my cash app checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts as attached with both XXXX And EXPERIAN, these accounts were inaccurate were all removed by XXXX by the same companies as inaccurate.But Experian saying the companies as accurate. 
I have being trying for XXXX yrs now with Experian. 

How can accounts be accurate in XXXX bureau and not in the others bureaus after investigation. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Also they inaccurately listed a residential address on my report which I never live there I asked them to verify that or delete any account associated with that, still listed. 
XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX New York XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pull up my credit files on XX/XX/2020 to go over them before I apply for a home loan. As I looked over my files there is an account that does not belong to me and should not be on my credit files.The company that is appearing on file files is under the name of XXXX XXXX with account # XXXX. I have reached out to the company in reference to this account and they are not trying to help me. I spoke to a young lady in customer service and she told me to file a complaint with the credit bureaus. I did what she told me to do and the account is still showing on my credit file. I have asked the credit bureaus XXXX, XXXX  and Transunion to provide me with a copy of the contract for this account nd they have not provided it to me and they are still reporting this negative information on my credit file.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX was never late! I have had exceptional payment history witH 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 my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to XXXX XXXX! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX  of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  never sent the periodic statement along with the disclosures from XXXX XXXX XXXX XXXX XXXX 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant XXXX XXXX  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: Student loan

When I enrolled in the Public Service Loan Forgiveness ( PSLF ) program, all of my loans were not consolidated ( some were not able to be counted towards PSLF ). I was not told that consolidating would re-start my clock in any discussions with student loan customer service agents, so I held off on doing so. I consolidated once I realized, but it cost me roughly two years worth of payments towards PSLF. I tried to rectify this by contacting the Ombudsmen Group. They did not move forward with the case. 

AdditionallyXXXX XXXX XXXX XXXX is stating I have 4 months of payments/non-payments that do not qualify for PSLF. I had to restructure my repayment plan during this time, as they switched from Direct Loans to XXXX XXXX XXXX, and I can not afford the Standard Plan. I questioned why these are not on my qualifying payment " clock, '' and they are currently under review.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts was paid as agreed on time I was never late on theses items listed and this is information is inaccurate and completely false. You can not report inaccurate information this a violation. I have wrote in several times reminding everyone of FDCPA false misreporting so please update account to current and paid as agreed on time. 

Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$3500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$6000.00} Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$4500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$18000.00} Account Name : U S DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$23000.00}
Product: Mortgage

My bank paid my my mortgage payment twice I have contacted Citimortgag 5 times over the past 2 weeks I have 2 confirmation numbers XXXX XXXX they confirmed that hey did in fact receive payment twice BUT still needed my bank statement. My bank statement isn't even on line due to the fact it was this month. I sent them twice a screen shoot of my on line banking to prove it DID come out. NOW they are saying they never received this information when in fact they have confirmed they did. I spoke to XXXX operator ID XXXX and she said in their manual it is NOT required that they ask for MY bank statement. This is causing my bank account to be overdrawn and over draft fees because they keep telling me that this was going to be refunded to my account within 3-5 business days and it has been 2 week. I sent all this documentation on XX/XX/18 again on XX/XX/XXXX and AGAIN today XX/XX/XXXX.
Product: Debt collection

Back on XX/XX/XXXX XXXX  accidently added a tablet to my account and they told me XX/XX/XXXX that it was removed and now a collection agency want to collect and place a item on my credit burear account.

DIVERSIFIED CONSULTANTS INC XXXX  Florida
Product: Vehicle loan or lease

I purchased a car from XXXX Toyota XXXX ( Maryland ) on XX/XX/year>. I requested a refund of the extended warranty ( {$3200.00}. ) on XX/XX/XXXX, and the dealer confirmed that they had applied for it. 
On XX/XX/XXXX I tried to use the service contract I had purchased through the dealer for {$840.00} and was told by Toyota Financial that they had no record of it either, so I requested to cancel that as well, which XXXX Toyota confirmed. XXXX Toyota said they had registered the contract, but that Toyota Financial Services was " behind '' in processing the paperwork. This was confirmed by an agent I reached at Toyota Financial Services as well. 

However, Toyota Financial now says that neither of these plans was ever registered by the dealership with them so they have no way of refunding them. The dealer says that both the application and the request for refund were submitted to Toyota Financial Services, so I don't believe Toyota Financial Services is being forthcoming about this. 

I need help getting Toyota Financial Services to refund this amount to me in the form of a refund payment to my loan with XXXX XXXXXXXX XXXX in the amount of {$3200.00}. plus {$840.00}. for a total of {$4000.00} plus interest at 8 % for the last few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. 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. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX children with XXXX on the way.
Product: Debt collection

XX/XX/2018 : Was called from XXXX XXXX XXXX and left a message regarding my friend , XXXX XXXX, asking me to call back. 

XX/XX/2018 : Was called from same phone number and a message left, with unintelligible name ( of caller ) and a reference again to XXXX XXXX. Time of phone call was before XXXX XXXX. This call woke us up. 

XX/XX/2018 : Was called at XXXX XXXX. Again, woken up by the phone call. Picked up phone and began to speak to the caller. After repeated requests to repeat and speak slowly, was able to get the caller to clearly pronounce the last name of my friend, XXXX XXXX. When asked for the caller 's name to be provided, so that I could understand who I was speaking with, caller hung up phone. 

XXXX XXXX XXXX is connected to XXXX XXXX XXXX in XXXX TX. 

I am being harassed by this debt collector. I have no relationship or debts with them. Their debt is with XXXX XXXX, not with me or anyone else at this location in California.
Product: Credit card

XX/XX/year> received a letter saying they reviewed my account and because of low use they were changing my credit limit to {$5000.00} for {$15000.00}. It said they made sure to keep my credit limit significantly above my highest balance over the last two years. 

I called Capital One Bank and spoke to a service rep and she said she couldn't raise the credit limit back to where it was. I requested a supervisor and spoke to XXXX. She said she couldn't do anything about it either. 

After speaking with these two people I got a letter from Capital One. It stated that I had requested a credit line increase, just like they hadn't lowered it and I was just wanting it increased. It said unfortunately my account wasn't eligible right now and they wanted to help me understand why. They gave two reasons - 1. There had recently been a credit line decrease, 2. Recent use of this acccount 's existing credit line has been too low.

One of the reasons for low use was I had total XXXX XXXX and for the last two years I haven't traveled or been shopping. However, I was planning on a new fridge and a water heater in the near future. {$5000.00} credit limit will not cover the amount of these two items. 

Also in their letter they sent me was a sheet of paper telling all the reasons for a credit line decrease. It said there had recently been a credit line decrease. It said this Capital One account was recently past due, I've never been late. It said my average monthly payment was too low, I pay my bill in full every month, not payments. It said the credit reporting agency has reported a recent credit delinquency, that is not true. I have my credit report and my credit rating is XXXX. I only had four bills listed, my house payment, XXXX XXXX XXXX never late. My XXXX credit card, never late. My Capital One card for XXXX  years XXXX  months, never late. My XXXX  's XXXX credit card, never late. The total of all I owed including the house was {$25000.00} dollars. I think because I'm XXXX years old and I don't spend like crazy and I pay my bills in full they don't make any money on my account. But that doesn't mean I won't ever use it. Also, I was part of the recent XXXX hack and I think they believe I'm a risk if someone uses that info to get my credit card number and bill a lot of money to my card. They might lose some money that way. Can you please just make them give me back my credit limit of {$15000.00} that I worked so hard to get, paid every bill on time and now they just take it away when I need it. I don't know how to send a copy of the letters I received and I can't send a copy of the credit report for the same reason, I don't know how.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and the fraudulent information being reported on my credit file continues to harm my credit reputation. I am submitting this appeal to TD AUTO FINANCE in order to request that the following inaccurate and fraudulent information be blocked from my credit report. The associated FTC report number for this case is XXXX, which includes details of the fraudulent accounts. Upon review of my credit record, I have identified multiple suspicious and likely fraudulent entries, including accounts that were opened without my consent or approval. These entries appear to be false and without any legitimate authorization from me. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to demand that these fraudulent entries be promptly removed. I request that you take immediate action to ensure that the information being reported on my credit file complies with the requirements set forth under FACTA, specifically Title 1, Section 151, which mandates that all information provided to credit reporting agencies must be accurate and verifiable. I am filing this complaint to ensure that these inaccuracies are addressed and removed from my credit report in accordance with both federal and state consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 30 days ago I submitted a dispute to XXXX regarding an account that had been previously DELETED, yet unexpectedly added to my credit file again. I asked the reporting agency how could they add a debt that was one, proven not mine the first time I disputed it, and two, that you did not validate before added an account that had already been removed. XXXX  confirmed the debt, without validation as this is NOT my debt, I have never had business with XXXX XXXX XXXX XXXX. The debt that was deleted was LVNV Funding LLC. How can the same account be owned by TWO creditors, and also they have attempted to ILLEGALLY re-age the debt to the time is seems like XXXX XXXX XXXX purchased the account, which is a direct violation of the FCRA. More importantly, this was a debt that one company claimed to own ( LVNV Funding LLC ) two years ago, XXXX validated it without cause, then deleted it, they were supposed to notify me in WRITING of an attempt to add a debt that had been previously removed as invalid
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX and portfolio recovery 's violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 

15 USC 1666B : aCreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Hello, I received a vanilla gift card for {$100.00} for my baby shower. I opened the gift card to use and was surprised it was already used. I called the customer service number in the back and it took me an hour to file a claim. The representative wanted my date of birth, name, address and location where I purchased the card ( after repeatedly said it was a gift ). The woman on the phone kept intimidating me by saying we cant do nothing without the card. But, I provided the card number. So, I have the card. I called in XXXX and followed up many times when I didnt receive my dispute claim form via email ( as promised ). I called and they told me they had the wrong email and asked for tons of personal information liken date of birth, address, etc again. Even though I gave them the ticket number and it was their error. The form stated that they will follow up in 90 days. When the 90 days is up, the dispute team wrote back to see I didnt send the ticket number. But, the ticket number is not included on the form and shouldnt matter. I responded right away and no response. I called XX/XX/XXXX and they informed me that my claim has been reopened as of XX/XX/XXXX and I need to wait another 90 days. They cant connect me to the claims people making these decisions and I have no choice to sit and wait another 90 days. This is their way of not reimbursing me They told me the card was used at a XXXX in Oregon and I live in Mass. they have the information they need and they sit on cases just to deny them and start the 90 day process again. They are a bunch of thieves. Each time I called, I waited 45 mins to dispute a {$74.00} charge on a {$10.00} gift card. 

DO NOT BUY VANILLA GIFT CARDS. I know others who lost money because theyre tired of keep following up with them
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : personal information : name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX late payment XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$58000.00} XXXX XXXX XX/XX/XXXX {$0.00} collection/charge off XXXX XXXX XX/XX/XXXX {$450.00} Repossession XXXX XXXX XXXX XX/XX/XXXX {$0.00} inquiries : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the the following accounts. 

Account Name : XXXX XXXX Account XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these payments be updated to on time as they should be, as I was NEVER Late. Thanks for your prompt time. 

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

All these credit bureaus have been using and taking advantage of my trust and liberty as and American.My whole entire life Ive had these companies lie to me repeatedlyIve wrote letters.Ive called these companies..They lie on banks and the banks blame them. : ( ( Ive been DENIED MY WHOLE LIFE while these companies leave soft and hard inquiry on my report WITHOUT CONSENT.Reporting XXXX : : ( ( Old addresses just complete untrustworthy companies.I am appalled that this is allowed as a beneficiary that these thieves think they can repeatedly deceive consumers like myselfI am the CREDITOR not DEBITOR.All these violations should be payed back in FULL .They also breached my DATA so alone on that is XXXX XXXX out of pocket and I expect that back in full.My credit score should be over 800 and all bad inquiries off now.Im over the XXXX and Im putting you on NOTICE as of now to fix this or you will pay for deceiving me as a consumer and violating my trust
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit I noticed that there was a closed account negatively affecting my credit. Pursuant to the 611 and 609 of the FCRA I requested that this item be removed. The account is through XXXX with an original delinquent date of XX/XX/2005.
Product: Student loan

I requested to be removed from forbearance in both an email and on a call with a direct agent. She said it would take a few days but I would be removed. I was placed back in repayment but i looked again today and I am in forbearance again without my permission
Product: Money transfer, virtual currency, or money service

I've been trying to re-open my XXXX  account for the past month, submitting multiple tickets and still have not received any updates on it. I need my XXXX  account re-opened due to XXXX XXXX closing their app and moving my funds to XXXX, which I can't access due to my account being closed. I need to request a funds transfer once my XXXX  account is re-opened by the end of the month, which is the deadline provided by XXXX XXXX. PLEASE HELP ME GET ACCESS TO MY FUNDS. 

Ticket ID : XXXX, XXXX, XXXX
Product: Debt collection

This notice is a Cease and Desist! XXXX XXXX XXXX unlawfully obtained my nonpublic personal information from Bank of America without my consent. XXXX XXXX XXXX then unlawfully shared my nonpublic personal information to XXXX XXXX XXXX containing information in reference to my 2019 XXXX XXXX XXXX, License Plate # XXXX, VIN # XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX without my prior consent or from an express permission of a court of competent jurisdiction repossesessed my vehicle under the assignment of Bank of America. Bank of America does not have a legal enforceable security interest in the vehicle therefore this is deem as STOLEN PROPERTY! these organizations are using racketeering activity to deprive me of my consumer rights and constitutional rights. see attachments
Product: Vehicle loan or lease

This loans is Fraudulent and should be removed from my credit report as soon as possible