23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had filed a dispute with all XXXX credit bureaus on XXXX/XXXX/2016 on Mohela for incorrectly reporting late payments when my account was in deferment. I discovered on XXXX XXXX the late payments had been removed and investigation had been closed, then on XXXX XXXX my credit report reflected the late payments had been re-inserted into my credit file. Mohela and/or all XXXX credit bureaus have 5 days to notify me of re-inserting a previously deleted item. I did not receive any such notification. Please delete these items immediately.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX I C SYSTEM XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I C SYSTEM XXXX I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I am the only provider in my home now due to Covid 19, I have discussed my problem with this loan company but the keep going to my job. I could be close to losing my employment if they continue. I have told them numerous times not to do this but they continue. What else can I do, until my son starts receiving checks regularly I'm stuck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$3100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$3800.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$690.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$2300.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I had started to the process of purchasing a new home down in Florida. I had provided the new home builder with a {$40000.00} deposit to break ground on our new place. At the time of purchase, there was an authorized user account listed ONLY on my XXXX credit report that was issued by Citibank. I had noticed this error previously and placed the account in dispute. I have no idea who the owner of this account is, and Ive been a Citibank customer for almost 40 years. Apparently, this was never removed, nor had I received any notification of completion of this debt. My home is near completed. I have my walk through scheduled next XXXX, XX/XX/XXXX and my closing is set for XXXX XX/XX/XXXX. In final preparations for closing, my loan officer needed a new credit report since the report from XXXX had expired. To my surprise, this account is currently 30+ days past due. Because of this issue, I have lost my approval on my mortgage unless I pay the account off in full. When I was informed of this issue, I had contacted XXXX to gather all information that I could regarding this account. I then contacted Citi and spent hours on the phone with them trying to locate this account. This was unsuccessful. I then went into my local branch to see if they could help. They couldnt find anything. So now, an account that shouldve been removed last year is still reporting and I was never provided with any results from that dispute. This account is now 30 days past due and unless I payoff a strangers debt that is over XXXX, I stand to lose my home as well as the XXXX that is on deposit since Ive passed my mortgage contingency date. Furthermore, XXXX doesn't even have the full 16 digit account number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information and Request for 1099-C Dear Credit Reporting Agencies, I am writing to formally dispute the accuracy of several accounts listed on my credit report, including accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I request a reinvestigation of these accounts, as they appear to violate several provisions including 15 USC 1666b regarding billing disputes and 15 USC 1681e ( b ) concerning the accuracy of information. Additionally, I am requesting a 1099-C for all charge-off accounts as mandated by tax code regulations. If these entries are not corrected or removed, I will be compelled to seek legal remedies for damages as permitted under the FCRA and related regulations ( 12 CFR 1006.34c, 12 CFR 1006.6c ). Please confirm receipt of this letter and provide a timeline for the reinvestigation process.

Thank you for your prompt attention to this matter. 

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

My account with was never late! I have had exceptional payment history 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 to be updated.

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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX continues to report inaccurate information on my credit report. They sent letter stating the company that reported this information certified to XXXX the information is accurate. Therefore, XXXX admits they did not investigate my claims below and submitted to them on XX/XX/XXXX. 

My original complaint. 
Reporting Account as " OPEN '' with BALANCE of {$500.00}. Account was charged off XX/XX/XXXX and most recent inaccurate report to my credit is XX/XX/XXXX. This account is in violation for the FCRA : Duty to Provide CRAs with Accurate Information Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. Please delete from all three bureaus immediately. XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

So currently my account I have been permanently deactivated because of some sort of account violation, that I did not commit. I have funds still in my Venmo account but I am unable to receive my funds for 180 days. This is so unacceptable I would like for my funds be released to me and for my account to be deactivated.. I just want my funds
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

THE XXXX XXXX ACCOUNT ON MY CREDIT REPORT NEEDS TO BE DELETED. 

PLEASE PROVIDE ME WITH THE METHOD OF VERIFICATION AND THE PROCEDURE 'S DESCRIPTION WITHIN 7 DAYS. I WANT ALL OF THE DOCUMENTATION THAT YOU RETRIEVED TO RENDER YOUR INVESTIGATION THAT THIS INFORMATION IS REPORTING ACCURATELY. IF YOU CAN NOT PROVIDE THIS INFORMATION TO ME IN 15 DAYS, PLEASE DELETE THIS INFORMATION FROM MY CREDIT REPORT. 15 USC 1681i ( a ) ( 6 ) ( iii ) ACCORDING TO FCRA SECTION 6 0 5 B, IT IS ILLEGAL TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT MY PERMISSION. PLEASE REMOVE THIS NEGATIVE ITEM. 

LATE PAYMENTS REPORTED ARE A PRIVACY VIOLATION. THE LATE PAYMENT STATUS IS INVALID AND INACCURATE. YOU MUST HAVE MAXIMUM ACCURACY WHEN REPORTING. PLEASE DELETE. 15 USC CODE 1666B. SHOW SUPPORTIVE DOCUMENTS
Product: Debt collection

To Whom It May Concern : I am writing to formally dispute the alleged debt referenced in your recent communication. Pursuant to 15 U.S.C. 1692g, I request validation of the debt. Specifically, please provide the following : 1. The name, address, and contact information of the original creditor.

2. A detailed breakdown of the debt amount, including the principal, interest, fees, and any payments made.

3. Documentation of the chain of assignment, showing all transfers of the debt from the original creditor to your company. This should include : Copies of all agreements, bills of sale, or other documents evidencing the transfer of ownership.

Proof that my specific account is included in the transfer ( s ).

4. A copy of the forward flow agreement or relevant portions thereof, demonstrating your right to collect this debt, and whether it includes my specific account.

Please note that until this information is provided, I do not recognize or acknowledge this debt. I request that you cease all collection efforts, as required by law, until proper validation has been completed.

This request ensures that the debt collector is held to a high standard of proof, increasing the likelihood that only legitimate debts are pursued.

DO NOT SEND ME NO STATEMENTS! SEND ME THE ABOVE MENTION. IF NOT, DELETE IMMEDIATELY!! 

Dob XX/XX/year> Ssn XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX student loan was Paid off and never late it was in forbearance us dept of ed paid on time and never late it was in forbearance XXXX XXXX   Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has falsely reported a credit card account from XXXX XXXX as open in the amount of {$310.00}. XXXX  XXXX is no longer extending credit and the account is closed. 


XXXX. Defendant violated FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as Open to XXXX, Transunion and XXXX consumer reporting agencys as defined by 15 U.S.C. 1681a ( F ).

54. Defendant violated FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) by falsely characterizing the account status as " Open to XXXX Transunion and XXXX  consumer reporting agencys as defined by 15 U.S.C. 1681a ( F ).
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have XXXX XXXX XXXX fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

OCWEN loan servicing has not only mis-applied mortgage payments consistently, they are also holding XXXX in escrow funds. Their sub-contractor XXXX has also falsified inspection and appraisal reports regarding the mortgaged property. In addition they issued another XXXX in repair funds to a contractor who then mis-appropriated that funding against XXXX falsified inspection reports.
Product: Debt collection

They responded with a copy of a statement that is completely false, and that has a {$0.00} balance for the past 7 years I have been disputing it! You guys are responsible as well - I have reached out to you numerous times and nothing ever was done! You overlooked this violation just as the collection agencies do! Fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  {$180.00} XXXX XXXX XXXX {$360.00} No valid claims ... accounts were settled with original creditors Grave errorsfalse claim and reportingI want these accounts removed or corrected immediately or litigation may follow. Debts can not be collected twice or reported in errorthis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Mortgage

I applied for a home refinance in XXXX, XXXX XXXX from Amerisave said I was qualified and needed {$500.00} for a home appraisal. In mid-XXXX the underwriter said she would have to send it back to XXXX because I do not qualify. I called XXXX for 2 weeks and he won't return my calls so I called and emailed his boss on XX/XX/XXXX to XXXX XXXX. He said he would contact me in a few days and I still have heard nothing. There are many complaints online about this company taking {$500.00} from people and doing the same thing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I strongly disagree with your investigation response. The following incorrect items still remain on my credit report, despite your investigation. I request an immediate re-investigation of these items for valid reasons. These inaccuracies are severely damaging to my credit score. 

XXXX. Validate Account XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item. 
Furthermore, in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide tangible evidence that the information was verified, rather than a computer-generated confirmation.

Please provide the following : The names and business addresses of each individual you verified the information with above, so that I can follow up. 

The date on which you contacted the individual furnishers of information. 

The method of communication you used to verify the information. 

I would also like to know if the furnisher provided you with my SSN, address, or DOB. 

Please send me an updated credit report once you have completed your investigation and made the necessary corrections. 

Your cooperation and prompt attention are legally required. 

Sincerely, XXXX XXXX
Product: Debt collection

I have a debt collection reporting on my credit for an account that is not mine. The debt appears to have resulted from a medical account that I did not authorize. I have no knowledge of this debt nor have I given anyone else consent on my behalf.