23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

New information based on CFPB XXXX. We sent out a debt validation letter on this loan ending in XXXX. This is the information they sent back. Debt was not validated and they are still collecting the debt.
Product: Credit reporting or other personal consumer reports

I have identified discrepancies in my credit report across Experian, XXXX, and XXXX, as detailed in the attached documents. 

Discrepancies Found : Payment History : Inconsistencies in reported on-time payments and late payment records across the three major credit bureaus, which misrepresent my payment behavior.

Account Status : Variations in how the account status is represented, which impacts my creditworthiness.

Relevant Legal References : Under the Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) obligates credit reporting agencies to reinvestigate disputed information and correct or remove inaccuracies within 30 days.

Section 623 ( 15 U.S.C. 1681s-2 ) requires information providers to maintain the accuracy of reported data and promptly correct any identified inaccuracies.

Requested Resolution : Conduct a thorough investigation of the disputed account.

Correct or remove the inaccurate information from my credit report.

Provide me with an updated credit report reflecting the corrections made.

Enclosed are copies of my credit reports from Experian, XXXX, and XXXX that highlight the discrepancies, along with any supporting documentation relevant to this account. 

Thank you for your prompt attention to this matter. Please inform me in writing of your findings and any actions taken.
Product: Credit reporting or other personal consumer reports

I was informed recently that I was a victim in the Equifax Data Breach and I have close to 10 derogatory accounts reporting on my credit report. After sifting through my credit report, I have found some errors on these fraudulent accounts that were opened in my name. I have disputed these accounts a few times with no change. The main error is on one of the following accounts is reporting a name of XXXX XXXX and also XXXX XXXX. I would never open a account under either one of these names. Here is a list of the following accounts. ( I have filed a police report and also filed a report with identity theft.gov. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Ive been with my prepaid card company around three years card.com or XXXX XXXX. on there policy if i get a qulified deposit of XXXX in 30 days my mantance fees of XXXX is wavied to XXXX dollars. I recive a check from social security on the first but my check is loaded on my card 5 days every month before the first which buys me 4 or 5 days before company policy 30day mark. When ive noticed i contacted them they only refunded me XXXX twice in two defferent months. But im charged XXXX every month on the XXXX. Im getting feed up of this breach of contract but cant find a lawyer to sue for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX Account # : XXXX After initial dispute of this unknown account, my issue was not resolved. One Bureau stated there was no validation to this account and deleted it while the other two stated it was verified as accurate. I never received the method of verification after asking. The same account reporting with the two bureaus after supposedly verifying it as accurate is reporting with two different contact addresses and creditor names for the same account. Also on both reports they are reporting different dates for last date active, last payment date, and date opened. Also these collection accounts are reporting as OPEN and even reporting as LATE BY 120 DAYS. As in my initial dispute, I have no knowledge of these accounts, therefore no contract with this creditor. So how is a collection account reporting as open AND as LATE BY 120 DAYS. How was this even verified as accurate. It is also stating account not disputed but then a few lines down says account disputed, meets FCRA standards Since I could not receive the inital method of validation to these inaccurate reportings being allowed, I am asking for an IMMEDIATE REINVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX Several most recent XX/XX/XXXX she opened the new account. XXXX and have attached the documents. I was a victim of fraud and this account was impacted they notified me they stopped the charges. yet never flagged my account correctly on my report. Did report it as a charge off. Then when I contacted them again and tried to resolved again they reported the charge off account as derogatory on my credit that they weren't reporting too. They have made major violations and caused me further harm. 
I have been trying to heal from the personal Identity theft that has occurred and even offered to pay them something to have them clear my credit report due to the nature and crime they refuse. On top of that in in XX/XX/XXXX I tried again this ie when they changed my last Date of Activity on my part was XX/XX/XXXX Because I recall being I was hospitalized XX/XX/XXXX from these events.
Product: Checking or savings account

E*trade under Morgan Stanley has now restricted my account ( which includes checking, savings, and trading ) three times this year, all with no indication as to WHY they restricted my accounts. Ive gone through MULTIPLE rounds of answering invasive questions about my income and pretty much every deposit Ive ever made. I have answered all of their questions multiple times. Then last week they contacted me AGAIN under the guise of a routine XXXX  check. They asked many of the SAME questions which i answered AGAIN. I told them I was suspicious they were aiming to restrict my accounts again, and they assured me they would not. Lo and behold one week later I find my accounts have been restricted AGAIN with no warning or explanations. I feel as though Im being unfairly targeted, and I want XXXX and Morgan Stanley to answer for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

*This item XXXX XXXX is inaccurate because has multiple account numbers. I am requesting that this item be removed * This item XXXX XXXX is inaccurate because its paid not collection. I am requesting that this item be removed Enclosed is documentation supporting my request : copy of my credit report shows the accounts has inaccurate information. 

Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. 
Enclosures : XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Two of my three consumer credit reports ( Experian and XXXX ) are each erroneously showing a single 30-day delinquency on my XXXX XXXX XXXX installment loan ( account no. XXXX XXXX, while my XXXX  credit report correctly shows that the account was never delinquent and always paid in full and on time. Moreover, the two credit reports that reflect the erroneous delinquency are reporting it in different monthsExperian shows a 30-day delinquency in XX/XX/XXXX, while XXXX  shows a 30-day delinquency in XX/XX/XXXX. This account was never 30 days ( or any number of days ) delinquent in either of those months or any other month. Rather, the account was fully paid off, on time, without a single late or missed installment payment over the entire life of the loan. 

I spoke with a representative of XXXX XXXX XXXX on XX/XX/XXXX regarding the inaccurate information being reported to the two credit bureaus, and she agreed and confirmed that the information is, indeed, inaccurate according to their own records and that no delinquency of any kind should have ever been reported for my account. She further informed me, however, that she would not be able to correct the error for me, and the only way to get it corrected would be to submit a written request.
Product: Credit card or prepaid card

XX/XX/2020 PAYMENT DISPUTE To whom this may concern at Consumer Financial Protection Bureau, I am contacting you to inform you that I am disputing an {$11.00} charge that is added into my overall balance masked as a payment which should appear as a deduction this way - {$11.00} for payment. This occurs in my XXXX statement ( XXXX ) for a XXXX extra charge of interest that is supposed to be deducted from the overall interest, because I enrolled in the Payment Assistance Program on XX/XX/2020 with my payment status as in good standing. This program lowers the interest, which lowers the minimum payment, and the account is suspended to disallow any purchases until I complete the program for a year. This occurs again in my XXXX statement ( XXXX ) for XXXX, which adds interest back on to my account. Discover Card is Breaching their contract with me and breaching the agreement that they made with me when I enrolled in the Payment Assistance Payment Program to lower the interest rate on the then balance of {$930.00}. Your help is greatly needed in this matter. Please view the account statements that I have uploaded with this written statement. 



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

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX Account Number : XXXX 30 days late in XXXX XXXX, 60 days in XX/XX/XXXX, XXXX XXXX, 30 days in XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX XXXX1 Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not provide verification for debt reported on my credit report yet they are reporting inaccurate information to credit bureaus. 

The document below is the only documentation provided.
Product: Mortgage

I submitted a request in writing to Freedom mortgage on XX/XX/2017 to have the PMI taken off of the account. That day I spoke with a representative who said everything on my account met the requirements to have PMI removed. We have paid the mortgage balance to 78 % of the homes value, we have never had a late payment, and we have had the mortgage for almost 3 years. I called back a week later and was told to submit the request again, which I did through a written email. The company acknowledged on XX/XX/XXXX that they received my request and were working on it. I called in a few times and was told by 3 different representatives that my account met all of the requirements and they were not sure what the hold up was. I was also advised by all three representatives I would receive a call when the decision was made. I called again on XX/XX/XXXX and was advised that the PMI was declined because I had not had the mortgage long enough, we needed to have it for at least 5 years. I was also told that we needed to pay the mortgage to 75 % of the homes value. I cited the 78 % as stated in the Home Owners Protection Act and was advised that the 75 % requirement was Freedom Mortgage 's requirement. I called back later that day and asked for a supervisor who was really not able to explain why it was declined. I then asked for his supervisor and was told no one above him was in and that I would get a call back in 24 hours at most. That call never came. I called in again on XX/XX/XXXX and spoke with another supervisor. This supervisor told me he did not see a request was ever put in for PMI removal and I needed to start the process again. I asked for his supervisor and again was told there was no one above him there at the time. I was again promised a call back within 24 hours. It had been 5 working days since my first request for a supervisor call back and I still have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Capital One sent out billing statements to the credit bureau for the billing statement ranging from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. There was an interest of {$8.00} that accrued on my credit card that was interpreted by the credit bureau as a missed payment. Now showing as a delinquent mark on all three credit bureaus. 

I never had a missed payment of {$8.00} with Capital One. Capital One should not have sent automatically my personal billing statements to the Credit Bureau for additional information that was not specific in relation to a missed payment late at the 30-day mark that is by standard reported late to the credit bureau XXXX 

I spoke with XXXX, Manager at Capital One on XX/XX/, to try to resolve this issue over the phone and was informed, I would need to send a letter in writing to their Credit Bureau Dispute Department to have this matter resolved even though the error is with Capital One and the additional information they provided the Credit Bureau agencies. 

This is an infringement on my privacy and the good faith standard of what information is sent over to the Credit Bureau agencies. 

I would like this matter investigated, and the correction made to retract inaccurate information concerning late payments that were never payments only interest accrued on my credit card with Capital One. 

Due to this incorrect delinquent mark on my credit report, I have not been able to take out a personal loan for a matter that was important for me and my household even though I have a credit score of XXXX as of today.
Product: Student loan

On XX/XX/XXXX, I received a private loan from XXXX XXXX for {$30000.00}. I  graduated from XXXX in XX/XX/XXXX. Since then, I have been paying at least {$280.00} a month as a repayment. I began XXXX XXXX  in XX/XX/XXXX, but was unable to receive a deferment on the private loan payment despite not being able to work. At the same time, I was able to receive deferments for the extensive federal loans. Despite this fact, I paid my monthly payment of {$280.00} a month every month since the summer of XX/XX/XXXX. I graduated from XXXX XXXX in XX/XX/XXXX. During this time, my loan has been transferred by XXXX to American Education Services, and they have increased my loan payment to {$300.00} a month. I have been unemployed since XX/XX/XXXX,  but I 've been able to pay my monthly payment every month. However, the payment is crippling. The outstanding balance on the loan is over {$35000.00}. I need immediate help with paying this loan.
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 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed last 15 days ago I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXXXXXX Balance {$3800.00} XXXX XXXX Balance {$15000.00}
Product: Checking or savings account

On XX/XX/XXXX, I was offered a XXXX XXXX. On XX/XX/XXXX, I received a check from the employer. The bank confirmed that the check was valid, and on XX/XX/XXXX, they released a partial deposit of {$5000.00} into my account. 

On XX/XX/XXXX, I used {$1900.00} to make a purchase on a fraudulent website, as instructed by the supposed employer. Later, the bank showed a {$2800.00} charge for this purchase, which resulted in my account being overdrawn. The {$2800.00} charge appeared on my bank account even though I only used part of the funds. 

On XX/XX/XXXX, I received a legitimate payment of {$1000.00} for a service I provided, but the bank withheld this amount to cover the negative balance. On XX/XX/XXXX, the bank denied my dispute over the fraudulent check and purchases, despite not requesting any evidence from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has left me and some family members several voicemails. They leave a case file and announce that legal action may be filed against me in all of these voicemails. When I call them back they refuse to say they are debt collectors but say they are a litigation firm and my only options are to settle my debt with a company they refuse to name or they will sue me. They refuse to provide any proof that they own this particular debt. They simply keep repeating the montra pay up or we will sue you. I have asked them to quit contacting me on several occasions now. 
The phone number they use changes every few months but most recently was XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX $ secured credit card. 
{$300.00} ... 

This card was requested to be closed utilizing the funding i put as a deposit to pay off the debt and close it over 7 years ago ... 

Advised it would be taken care of. 

Then i started receiving late payment notifications to which i requested card and account be closed and relinquished. From XXXX $ debt. 

They refused to take XXXX out of my XXXX ... And in turn charged me over 450 in fees that is what the debt is. 

They screwed me out of XXXX and my credit rating ... 

This needs to be completely reviewed and cleared
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Incorrect Current Address - XXXX XXXX XXXX XXXX, XXXX, NC XXXX Incorrect Name - XXXXXXXX XXXX XXXX  Incorrect Name - XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX, XXXX, NC XXXX Employer - XXXX XXXX