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

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Account number : XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX, XXXX, XXXX XXXX, 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 60 days 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 XXXX  days before the payment due date. 


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

I paid a collection and I submitted the paid letter from the car company but they said they cant change the balance to show {$0.00}. This needs to be corrected. Thank you.
Product: Debt collection

*Judgement filed in New Jersey Filing Date XX/XX/XXXX Amount {$2900.00} Case # XXXX Status Updates May Be Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX * Filing Date XX/XX/XXXX Amount {$2900.00} Case # XXXX Status Updates May Be Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX *Filing Date XX/XX/XXXX Amount {$3200.00} Case # XXXX Status Updates May Be  Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX *Filing Date XX/XX/XXXX Amount {$830.00} Case # XXXX Status Updates May Be Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX *Filing Date XX/XX/XXXX Amount {$1400.00} Case # XXXX Status Updates May Be Present Elsewhere In This Report ; Check The Court For The Current Status Court NJ XXXX Im in the process of re-establishing my credit. I havent had any activity on my credit report since XX/XX/XXXX. I wanted to verify any information associated with my make credit to make sure there arent any judgements associated with my social security number. I noticed multiple judgements were issued to me supposedly back in XX/XX/XXXX. I was never issued a subpoena to appear in court because I no longer living on that address for years. I heard about the judgement when I was issued a wage garnishment ny my employer. ( XXXX ) I contacted the court clerk to inquire about the debt but I was given very little to no information in return.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 those account 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. 


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

First Progress Card, is yet to respond to my letter dated XXXX XXXX. Certified mail # XXXX.
Product: Debt collection

Portfolio Recovery Associates are reporting 3 account on my credit reports and amount are {$470.00}, {$740.00} and {$410.00}. I have disputed this 3 accounts with XXXX  XXXX and XXXX and also sent Portfolio Recovery Associates debt validation in which Portfolio Recovery Associates has not responded.
Product: Mortgage

I am in the processing of selling my home and the mortgage company sent me a payoff that is XXXX over the principle balance in the monthly statements they have been sending me. I have requested for 2 months for an explanation of the reason for the dollar amount of the principle and to this date XXXX/XXXX/XXXX have not received an explanation. Back in XXXX XXXX I requested an explanation of the loan summary and never got a response. I am attaching the email I sent them asking questions that were never answered. 
To : SN Servicing Corp XXXX XXXX, XXXX Attention : XXXX XXXX Re : Loan XXXX, After we have reviewed our loan history you provided, we have questions. Please look over and send explanations of the following questions : 1 ) It is our understanding once the Bankruptcy was approved, all past due P & I and any late or legal fees were included in the amount for the Bankruptcy. But it does n't appear based on the loan history you provided, that this is correct. 
2 ) It is also our understanding that there should be a late fee applied only if our payment is 16 days or more past the due date ( the XXXX of the month ), since going into Bankruptcy. But it appears that there are late fees applied when it should not have been. 
3 ) The loan history you provided shows our first payment on XXXX/XXXX/XXXX was applied to the XXXX/XXXX/XXXX payment and this payment according to the Bankruptcy was suppose to be applied for the XXXX/XXXX/XXXX payment. All payments that are applied since Bankruptcy started are being applied to past due payments that are included in the Bankruptcy total you presented to the Trustee. 
4 ) The loan history you provided shows at the time of Bankruptcy we were only XXXX payments behind and not XXXX payments according to what you provided the Trustee. 
5 ) There are many transaction descriptions that shows " other fee assessments '' and we understand the late fee for the payment, but what are all the other fee assessments. There is not a column for the balance of these transactions. 
6 ) There are many transactions for legal and attorney fees. We would like a description of what these are for. 
7 ) There is a column marked " Unapplied Balance '', we would like to know what this column represents and what are the monies going into this column. 
8 ) We would like an explanation regarding the P & I adjustments when no payment is being made. For example on XXXX/XXXX/XXXX our principle balance went up XXXX, but no explanation as to why it increased. 
9 ) When we make a payment, we understand that any monies over and above the payment amount is suppose to be applied to interest first then principle. On the loan history you provided, this is not always the case. 
I sent this email on XXXX XXXX, XXXX, and to this date have not been answered. I have researched an read complaints about this company. The only answer I would like to get is an honest one and oh yeah, an answers to my questions.
Product: Credit card or prepaid card

I ordered floor mats from a 3rd party on XXXX. I never received the floor mats but I was charged my credit card. I tried to contact the company I ordered from but they did not respond. I then contacted my credit card company to dispute. They said the merchant said I signed for it. I told them that was impossible. I work for a company that all overnights are signed by the receptionist as it is our procedure. Also, on the day they said I signed it, I was at our other location that day which would make it impossible for me to sign. All I was asking for was a credit for something I did not receive. I submitted the request 2 times.
Product: Debt collection

I have received a credit card from Target with a credit limit of {$200.00}. I have been paying my debit with a balance of {$78.00}. due to financial problems I neglected to pay the debt and balance was taken over by collection agency. The balance owed has been inflated to the amount of {$450.00} appx. I have tried calling Target customer service but I was referred to call the collection agency. Target will not answer my questions and the collection dept. will only collect a debt that is over inflated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX applications of RESPA statutes to all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to Transunion, XXXX and XXXX by XXXX, XXXX and XXXX XXXX. ( ref to complaint XXXX, missing primary documentation submitted through CFPB XXXX XX/XX/2022 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has repeatedly refused to correct and delete fraudulent information from my credit report. They have been sent the proper documentation, including a valid and verifiable police report and yet continue to " investigate '' the situation with no results. This has been ongoing for months. XXXX and XXXX have deleted these items. Experian is causing distress because of the continual nature of their responses. I wait the allotted time for their results to find nothing has been done. 

THE EXPERIAN LATEST REPORT # XXXX ON XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit card or prepaid card

The following accounts are being incorrectly reported to belonging to me. 

CB/VICSCRT {$220.00} Charge off XXXX {$500.00} Charge off Both accounts say they were opened in 2017 Neither of these accounts belong to me and I have no recollection of ever opening these accounts. I demand that these fraudulent accounts be removed and have reported the theft. These accounts are fraudulent and arethe result of identity fraud. At that time I had multiple fraud alerts placed on my account to prevent this from happening again. 

My rights to fair credit reporting have been violated.
Product: Checking or savings account

On XX/XX/XXXX, an unauthorized wire for {$5400.00} was sent on my Chase checking account to a user whom I did not know, among many other unauthorized transactions from XX/XX/XXXX to around XX/XX/XXXX. I filed a police report, contacted my banks, contacted the FTC, filed a report on IC3.gov, and contacted XXXX. Chase bank has resolved almost everything except the {$5400.00} wire, which they denied on the grounds that I gave the perpetrator my username and password. I did not give the perpetrator my username or password for my Chase online portal. I met with a Chase banker, and we filled a complaint against Chase as well as had the Chase fraud and claims department reopen the case. 

I also plan on contacting the FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that Discover Financial Services is unlawfully reporting a Charged-off item on my Consumer Report. The IRS states that for amounts of {$600.00} or more, the Creditor must issue a 1099C ( which is a cancellation of debt ) and which the consumer must file with their tax return as earned income. Said 1099C was issued by Discover Financial Svcs to me and I filed it with my tax returns as earned income. 

Income is not reported on Consumer Reports. So I do not see why this item is still being reported on my Consumer Report when it was already reported as income on my Tax Return and I paid on it. It can not be both ways ... .it 's either a Charge-off or " Taxable Income '' According to FCRA, anything that is incorrect must be deleted from my Consumer Report. The Fair Credit Reporting Act of 1970 requires reporting agencies or creditors to follow reasonable procedures to assure maximum possible accuracy of consumer reports, 15 U.S.C. section 1681 e ( b ), and imposes liability on [ a ] ny person who willfully fails to comply with any requirement [ of the Act ] with respect to any individual, section 1681n ( a ). I spoke with an Account Manager this morning and asked for the item to be removed and she refused. 

I am requesting that Discover Financial Svcs initiates the deletion of the erroneous item from my Consumer file with all credit reporting agencies such as XXXX, XXXX, XXXX and any other credit reporting agencies. 

Thank you for your immediate attention to this important request. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX XXXX : XXXX SS : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of Equifax Data Attacks. The derogatory information reflected in my credit report maintained by Equifax under my Social Security number. As a victim of identity theft and the Equifax XXXX XXXX ( XXXX XXXX. XXXX ), I have been impacted by fraudulent account that must be removed from my credit file immediately. I have informed agencies many of times that the account below is fraudulent. 
Account Name : XXXX XXXX XXXX Account XXXX : XXXX : Balance : {$2400.00} : Opened : XX/XX/year> Your agency has routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts.
Product: Credit card or prepaid card

I signed up for an annual XXXX subscription for a product that they sometimes called XXXX XXXX or XXXX XXXX ( now branded XXXX, I believe ), in XX/XX/XXXX. They offered two subscription tiers : monthly and annual. Originally, I was being double charged, both for an annual subscription as well as a monthly subscription. 

I tried contacting the XXXX multiple times to correct the double charging through their web support portal. At the time, they had a web-based form set up where you would type out your message, give your email address for them to contact you, and wait for a reply. They did not send confirmation emails, so there was no way to " prove ' that you had contacted them through this portal. No one ever contacted me as a result of my repeated support inquiries. 

After multiple contact attempts through their web form, I sent them an email directly to a email address listed on an XXXX website, https : XXXX. The relevant part of the form reads " To cancel your existing account, call XXXX Customer Support at XXXX or email XXXX with your cancellation request. '' I also tried calling them at this number, only to find it disconnected. In my email, I asked that they refund the double charges, and cancel future recurring charges. I can provide that email, but am withholding it for now because the instructions for submitting a complaint say to not include any personal or identifying information, and the email contains that information. 

I did not receive a response to that email either, so I began disputing the charges. To this day, XXXX continues charging my card every month, without any way for me to cancel the charge. Most recently, on XX/XX/XXXX, they increased the charge to {$79.00}. That charge is the source of this complaint. I disputed that charge, and the credit card company sided with the merchant, even though I provided documentation showing that I had attempted to cancel this subscription nearly a year earlier. 

It's also worth noting that this is a common problem : if you XXXX " XXXX won't let me cancel my subscription, '' You will find countless examples of people looking for help for this exact problem. There is even a class action lawsuit filed which speaks to many of the exact same issues I am facing : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all agencies with no responses starting 2019. Please provide documentation of what actions were taken on all disputes online and in the mail. All claims made are still valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the filling of my complaint to TRANSUNION. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per XXXX U.S.C. Area XXXX and XXXX XXXX. Segment XXXX A Part XXXX, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the XXXX  report to support my complaint with the XXXX report number XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also XXXX Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Product: Debt collection

Dispute of Unauthorized Information Disclosure Pursuant to 15 USC 1681 Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have not provided written consent for the furnishing or obtaining of my consumer information by your agency. Therefore, any information contained within my credit report that has been obtained or provided without my explicit written consent is inaccurate and in violation of federal law. Upon reviewing my credit report, I have noticed entries that suggest my information has been furnished or obtained without my authorization. I have not authorized any entity to share or request my consumer information with your agency. As such, any entries attributed to me that are a result of such unauthorized disclosures must be promptly removed from my credit report. XXXX. Under penalty of perjury I swear this account is false and misleading The bureaus : Please remove it from my credit report. I kindly request that you conduct a thorough investigation into the origin of the information in question and provide documentation proving that proper written consent was obtained as required by law. If you are unable to provide such documentation, I request the immediate removal of the disputed entries from my credit report. Furthermore, I demand that you cease and desist from further unauthorized inquiries into my consumer information without my explicit written consent, as required by 15 USC 1681. Please provide me with a written response detailing the actions taken to rectify this matter within 30 days of receiving this dispute letter, as mandated by the FCRA. Failure to comply with these requests may result in legal action being pursued to protect my rights under federal law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX