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

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report. According to my credit report, the following accounts are listed as negative items : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXXXXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXXXXXX XXXX Late Payment Account Medical XXXX Collection Account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX Charge Off Account XXXX  XXXX XXXX  XXXX XXXX XXXX Collection Account I dispute these items as inaccurate and not reflective of my creditworthiness. I believe that the information on my credit report is incorrect and unfairly damaging my credit score. I request that you investigate these items and remove them from my credit report if they are found to be inaccurate. 

I would also like to remind you that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to report only accurate and complete information. If the items I am disputing are found to be inaccurate, incomplete, or unverifiable, I expect them to be removed from my credit report immediately. 

LAWA : Fair Credit Reporting Act ( FCRA ) Thank you for your attention to this matter. 

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

EQUIFAX, XXXX, and XXXX XXXX XXXX  are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 15 USC 1692g as well as 15 USC 1692j, I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with XXXX XXXX XXXX they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between us. They have not provided any judgements made or any original notes .This is directly impacting my life as I have been denied for credit because of them.
Product: Debt collection

I have been trying to work with this company for the past year dealing with this issue. This is not my credit cad, I have never had any type of capital one credit card. Matter of fact, I just applied for a   XXXX   XXXX   card. They are falsely reporting {$860.00} owed to Midland Funding. I do not owe Midland funding anything. I have no contract with Midland Funding. I have asked Midland Funding several times to give me verification and validation of this debt, and all they keep sending is a bill for {$860.00} with payment arrangements.
Product: Payday loan, title loan, or personal loan

I received Solicitation either US Mail or Email for personal loan as I was having financial distress and needed cash fast. 

My original loan was made on XXXX XXXX in the amount of {$3700.00}. As of today, XX/XX/2020, I have paid {$2800.00} into this loan. 

When I asked NetCredit what my pay off balance was as of today, XX/XX/2020, they told me my balance is {$5300.00}. 

The interest accrues daily. How is this legal and NOT a predatory loan? 

I am concerned that I am unable to pay back XXXX in the near future and will continue to fall into deeper debt. 

Please help me. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was Dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) 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 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. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 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 card or prepaid card

Hello, Yesterday ( XXXX ) afternoon, around XXXX cst, I attempted to transfer money from my " XXXX XXXX '' to my main account. I have since tried multiple times without gaining access to my funds. XXXX XXXX allows me to budget during each week. The money is still in my account & visible but I can not spend it until I transfer it back to the primary account. I have continuously received an error stating the feature is not currently available via app & their website. I have contacted them by phone, unable to get to a live person, by email which advised me that service was also down after I pushed send & through their XXXX customer service & received an auto reply. All without getting an answer. There, on XXXX, I saw others were having the same issue, some had not received their direct deposits as of last night. I just need access to the last of my funds, {$50.00} before I end my relationship with this company. Thank you
Product: Credit card or prepaid card

I purchased a XXXX fridge from Best Buy on my CitiBank Visa Credit Card with a 18 months no interest promotion that was set to expire on XX/XX/19. I paid this off XX/XX/19 ; the balance remaining was {$460.00} and the accrued interest was {$510.00}. Same day I paid the promotional balance off, CitiBank reduced my credit limit. 

Problem : CitiBank reduced my credit limit by {$450.00} literally the SAME DAY I paid off the promotional balance. My credit card statement showing 'statement end date of XX/XX/19 ' shows the reduced credit limit of {$2500.00} ; was {$3000.00}. I wasn't notified of this reduction until the following day. This is obvious retaliation and discrimination. I've always made extra payments with them. CitiBank wasn't able to capitalize on me with a promotion ; when I followed through and completed the payments on time, Best Buy Visa/CitiBank directly retaliated causing damage to my credit. 

Then a few days later I started receiving notifications from credit bureaus advising me that it was recently reported a credit card reduced its limit and this has negatively impacted me further. 

Exact Timeline : I called CitiBank on XX/XX/19 at XXXX CST and was on the phone for a little over 22 minutes and they ensured the {$500.00} additional payment I had made on XX/XX/19 was going to be applied to pay off the promotional balance. 

On XX/XX/19 I received an email notification from Best Buy Visa Card ( provided by CitiBank ) to review an important letter. 

I reviewed the letter and it states my credit limit has been changed to {$2500.00} ; {$450.00} less than it was before. 

I've asked CitiBank to fix their error, and they are choosing not to respond in an appropriate and respectful manner.
Product: Credit reporting 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 U.S.C. 1681. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 602 A states that I have the right to privacy.

15 U.S.C. 1681 604 ( a ) ( 2 ) It also stats that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information other than adverse item of information and other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 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 inaccurate.
Product: Mortgage

We were in process of buying home in Hawaii using a Hawaii mortgage company we had used before when we purchased a condo there, Upon going to Bank of America to get my banking info for the mortgage I was heavily wooed by Manger at Bank of America sayin they could give me much better rates credit for being a preferred client I was hesitate and questioned the loan officer if she had done mortgages in Hawaii because things are done a bit different there. She assured me  yes they do and could make the process so much better and easier for me and encourgaged me to cancel my mortgage with the Hawaii lender saying do n't feel bad its done all the time, Well from the very start I was lied to numerous times sayin everything was proceeding I have excellent credit score of XXXX min debt high income and mortgage was small. Every day after saying she had all documents she needed they would keep requesting more and more info stuff I never had to get for any other mortgage. She often did not return phone calls or emails I had signed contract and dates were coming due to have things done wiring more money etc She called me one day sayin everything approved you got your loan Only for me to go to online account to see they were requesting more documents and it was not approved at this point we were getting close for seller to back out because they feared we would not get financed I called her several times it took 3 days for her to call me back and I asked her why did you lie to me saying we got loan when it is showing not approved and really had to confront her and finally she said no you are not going to get loan lender wont insure in that lava zone This after a month of her assuring me everything was going well Also they did appraisial That took them over three weeks to get to my Hawaii mortgage company I had to go groveling back to and in the end the Hawaii lender got me approved quickly got insurance and we closed With Bank of America I almost lost escrow money and the house I dealt with several higher ups as well with Bank America I do n't know how I could be lied to and how much longer would I have been stringed along and lost the house and money
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681c-2 please delete the fraudulent inquiries on my consumer report as I did not originate these inquires. Also, Please update my personal information to reflect accurate information pursuant to 15 USC 1681e ( b ). PLEASE SEE ATTACHED IDENTITY THEFT REPORT.
Product: Credit reporting or other personal consumer reports

Dear Innovis You had emailed me advising that you completed an investigation on the disputed items, but you did not tell me specifically how you disputed the items. I would like to know specifically what method you used to complete the dispute. I would like to know the name and address of the person that you spoke to and the exact name of those involved in the dispute. I wanted to make sure that it was fair, accurate and unbiased as per 15 USC 1681. 
Please do not respond with vague terms, such as data furnishers to avoid additional CFPB complaints Thank you so much for your time. Hopefully, have a good day. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

My social security number and information was involved in a major data breach. Please remove/delete these accounts from credit reports. 

XXXX - XX/XX/year>. {$900.00} XXXX XXXX XXXX Bank - XX/XX/year> {$140.00} XXXX XXXX Bank - XX/XX/year>. {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Old incorrect Information on XXXX XXXX credit card still appears that affects my credit, I paid it off and closed it and its still appears as a negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation for not completing a complete investigation and verifying multiple accounts with the wrong date of status, wrong last payment date or wrong account update on the following accounts. 

XXXX- account is currently being reported as updated and verified even though account was disputed two months ago. last date of payment not reported, last account update not reported. This is inaccurate and a violation. Please delete from profile. 

XXXX XXXX- last reported update was in XX/XX/XXXX. Inaccurate reporting and a violation. Please delete from profile. 


XXXX XXXX XXXX- last payment date not currently being reported. A violation, as a result, account must be deleted. 


XXXX XXXX XXXX- reporting a credit limit of {$450.00} while debt buying XXXX XXXX XXXX reports past due balance of {$980.00}. this is inaccurate reporting and a violation. 

XXXX XXXX XXXX XXXX- currently reports a {$1600.00} credit limit while reporting a past due balance of {$3500.00}. Inaccurately being reported and is a violation. 

XXXX XXXX XXXX- is currently reporting as past due balance of {$380.00}, and last payment date of XX/XX/XXXX, inaccurate reporting and a violation.
Product: Vehicle loan or lease

Missed a payment got caught up with wells fargo and now they wan na say I'm two months behind
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information in my credit report with your agency. Pursuant to Section 604 of the 15 U.S. Code 1681B, I am entitled to a fair and accurate credit report. After reviewing my credit reports from all three credit bureaus, I have identified several errors which are detailed below : EXPERIAN : Account # - 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

New York Community Bank - Avoid them if you can. 
In XXXX, I had a water leak in my home which ruined flooring and cabinets in my kitchen and leaked into the room below XXXX my kitchen is on the second floor ). My insurance company dealt very satisfactorily with the claim and agreed to all the repairs that were needed. They sent me a two-party check for over $ 16K, made out to me and New York Community Bank XXXX my mortgage company ). I mailed the check plus other documentation to New York Community Bank on XXXX XXXX - and have yet to receive any release of funds. I had to pay 90 % of the cost of new kitchen cabinets in advance ( they took XXXX weeks from time of ordering ), which is standard practice. All the kitchen cabinet places I got estimates from said they expected 90 % of the cost upfront. My cabinets have been installed and I 've paid for them in full. I 've also paid for repair to my downstairs room, plus some repair in my kitchen. I 've sent receipts, waiver of lien, contractor taxpayer ID to New York Community Bank. New York Community Bank sent an Inspector to my home to report on the repairs. It took the inspecting company XXXX days to submit the report to New York Community Bank, which states that 70 % of the work has been completed. Every time I call to request a status on payment back to me, there is some excuse not to send me a check for the money I 've already paid. There is either missing paperwork, or an exception has to be put in since I 've already paid for the repairs, and their check to me needs to be made out to me only ( not to me and my contractor ). 
I 'm at my wits end dealing with New York Community Bank. I 'm trying to find out the email address of their CEO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX to tell him of my disastrous experience. I have a legitimate insurance claim, fully approved, and New York Community Bank expects me to pay for my repairs without sending me any funding. I now have interest owing on my credit card all due to New York Community Bank 's refusal to release my own funds to me. I 'm unable to get my floors repaired and sink replaced as I 've run out of my own money and need my funds in order to complete the work. It 's as if New York Community Bank expect me to personally fund all the repairs, no matter what hardship this causes me - and then they 'll reimburse me, at some stage, when 100 % of the work is completed. MY understanding is that the insurance approved the claim and provided the money to FUND the repairs - it should not be a REFUND. New York Community Bank shows no concern over the fact that I can not use my kitchen, and the huge inconvenience I and my family have to go through each day. I am current on my mortgage payments ( never been late with a payment ). Yet New York Community Bank have been holding my funds for over XXXX days, with no status as to when they 'll release even a portion of them. 
I would not recommend New York Community Bank to anyone based on my experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the CARES Act a furnisher of data to the consumer reporting agencies allows it customers to defer payments, make partial payments, modify credit terms or make other arrangements for its customers affected by COVID 19 should not report any account as delinquent, but should continue reporting accounts as current. These requirements are retroactive to XX/XX/2020. 
XXXX, Transunion, and XXXX  did not remove my late payments on XXXX and XXXX of XXXX  with my XXXX  XXXX account. I sent letters to these three bureaus almost 2 moths ago. My letters are attached.
Product: Debt collection

I am submitting this complaint because I am being affected by ENHANCED RECOVERY COMPANY LLC ( ERC ). This company was not present during this transaction that they are referring to which is a violation, They are telling me I owe an alleged " debt '' which is a violation of 15 usc 1692b. They NEVER had my permission to contact me pursuant to 1692c they do not have my prior consent which is a violation. This company has been harassing me and reporting wrong information to the credit bureaus WITHOUT MY CONSENT which is a violation. As a federally protected consumer i NEVER gave any written consent to report this information ( 15 Usc 1681b ( a ) ). I sent out more than one letter which was NOTARIZED for them to validate this alleged debt and I haven't heard anything back. Also I sent out a copyright infringement notice that was notarized and stamped by the Secretary of State warning them to stop using my name and information without my consent.
Product: Credit reporting or other personal consumer reports

I am writing to report that my identity was stolen, and several fraudulent accounts were opened in my name while I was underage, without my knowledge or consent. These actions are clear violations of federal laws, including the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy of credit reports and protects consumers from fraudulent activities, and the Identity Theft and Assumption Deterrence Act, which criminalizes the misuse of another persons identity. As a minor at the time, I was legally unable to authorize these accounts, and I am requesting the CFPBs assistance in addressing this matter by ensuring that these fraudulent accounts are removed from my credit history and that the responsible parties are held accountable.
Product: Debt collection

I've used a collection agency [ Say XXXX ] to report one of my delinquent tenant. In regards to this I've sent the account around XXXX last week. I didn't receive any response from them for a week and I've called them too but no response. So I've forwarded the account to another collection agency [ Say XXXX ]. After a day or XXXX, Collection agency XXXX came back to me and said they are working on it. I told them I took this account to agency XXXX. Agency XXXX said I broke the agreement. I then called agency XXXX and in XXXX days they gave back the account basically saying they will not pursue. I told the same to agency A. They still say I violated the agreement and I need to pay their XXXX  % fee of the account which is $ XXXX= {$9900.00}. 
Now they reported this amount to one of the credit bureaus. I am attaching the agency agreement.