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

I had disputed the following three accounts with the three bureaus over the past 6 months, sending three letters requesting validation as well as incorrect information. Each time I get a response back verified without sending me the information I specifically asked, how did you validate? Show me proof. Show me a signed contract with my signature. These three accounts have different information reporting on all three bureaus which also violates my consumer rights. It has been three letters to no fix so now I am asking for a full DELETION of these 3 charge off accounts asap. 

I am enclosing a copy of the most recent letter sent to all three bureaus. 

XXXXXXXX XXXX XXXX- transunion reports last payment on XX/XX/XXXX and XXXX ( XXXX XXXX ) ; XXXX  reports last payment of XX/XX/XXXX with one 30 day late in XX/XX/XXXX ; XXXX  reports CO since XX/XX/XXXX with no last payment date. 
XXXX. XXXX XXXX XXXX XXXX 100 % paid on time with last payment on XX/XX/XXXX ; transunion reports XXXX late payments and last payment on XX/XX/XXXX ; XXXX  reports first 30 day late XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX shows late In XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment on XX/XX/XXXX ; transunion shows late XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment XX/XX/XXXX and XXXX reports late XXXX, XXXX and XX/XX/XXXX with collection XX/XX/XXXX with no last payment date. XXXX also reports this as a insurance claim or terminated for default ( not true being I have the furniture In my home ).
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX ( late payment ) XXXXXXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

I'AM NOTIFYING THE FTC THATMY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Product: Debt collection

I am writing to formally dispute the validity of a collection account appearing on my credit report. According to my records, the account in question, referenced under [ XXXX ] - XXXX XXXX XXXX, does not belong to me, and I request its immediate removal in accordance with consumer protection laws. Upon reviewing the details of the alleged debt, I am confident that this account is erroneous. I would like to draw your attention to the fact that the last four digits of my social security number and my age do not match the information associated with the aforementioned account. Per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. 

As such, I urge you to conduct a thorough investigation into this matter and promptly remove the disputed collection account from my credit file. Furthermore, I kindly request that you provide me with written documentation verifying the legitimacy of this debt, including any contracts or agreements bearing my signature. 

Failure to provide such evidence will further substantiate my claim that this account is invalid. Please be advised that the inclusion of inaccurate information on my credit report is not only damaging to my financial reputation but also constitutes a violation of my rights under federal consumer protection laws. Therefore, I expect your full cooperation in resolving this matter swiftly and ensuring that my credit report reflects only accurate and verifiable information. 



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

Attached to this complaint is a copy of my credit report specifically the account which is inaccurately being reported by PNC BANK. 

I have previously sent copies of these inaccuracies to PNC BANK Also, attached is response letters by PNC BANK dated XX/XX/XXXX that has been marked in the red ink to show incorrect statements.. and blatantly, willful violations of the fair, credit reporting act and the fair debt collection practices act. 

PNC BANK is in violation of 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. 


In response to PNC BANKs letter dated XX/XX/XXXX The attached credit report ( attached ) shows that the information being reported by PNC BANK does not match between all three credit reporting agencies, which means somewhere there must be an inaccuracy How can PNC BANK be reporting accurately to the credit reporting agencies if each credit reporting agency has different information? 
the account number for the ( Pnc ) account does not match between all three credit reporting agencies The account type for the ( Pnc ) account does not match between all three credit reporting agencies the number of months ( terms ) for the ( Pnc ) account does not match between all three credit reporting agencies the high credit for the ( Pnc ) account does not match between all three credit reporting agencies the last reported date for the ( Pnc ) account does not match between all three credit reporting agencies The comments for the ( Pnc ) account does not match between all three credit reporting agencies The date last active for the ( Pnc ) account does not match between all three credit reporting agencies The date of last payment for the ( Pnc ) account is blank on all three credit reporting agencies ( In the two-year payment history ), from the date of XX/XX/XXXX to XX/XX/XXXX for the ( Pnc ) account does not match between all three credit reporting agencies the letter, states that the last payment Pnc received was XX/XX/XXXX for the XXXX cycle. ( Which admits that there was no payment in XX/XX/XXXX ). 
the credit report attached shows that Pnc indicated a payment in XX/XX/XXXX ( inaccurate ) because of the inaccuracy of XX/XX/XXXX the date of charge of is in accurate as well 36 separate violations of the fair credit reporting act proven in attached credit report letter from PNC BANK dated XX/XX/XXXX proves how many times I notified PNC BANK of these inaccuracies Because I notified PNC BANK more than eight times within a two year span makes their violations willful ( took longer than 30 days to fix the inaccuracies ) there is no way anyone with eyes can look at this credit report and not see the inaccuracies which equal violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/2020 we had our mortgage loan refinanced with XXXX XXXX XXXX XXXX ( XXXX  ) and closing SWBC Mortgage. During the process SWBC is showing us 30 days delinquent in XXXX 2020 where are loan was closed by XXXX. We tried sending SWBC the information showing them this was taken care of. SWBC refuses to help us with this situation and after talking with people at SWBC they even admitted this was in error therefore, whoever is doing the background check for this delinquent time frame isn't doing their due dilingence. We need help in getting this resolved as our loan has been paid in full from XXXX  to SWBC and the removal of delinquency should be reversed especially during this time with the coronavirus as we're unable to go into SWBC to try and get this resolved in person. Please help my husband and I XXXX and XXXX XXXX have this rectified as it has made a huge bad impact on our credit report. thank you!
Product: Credit reporting or other personal consumer reports

Re : Discrepancies and Errors in Credit Reporting by Experian Dear CFPB, I hope this letter finds you well. I am writing to formally request an investigation into and resolution of significant discrepancies and inaccuracies in the credit reporting provided by Experian. As a consumer based in XXXX, Pennsylvania, I have recently started a consumer law practice, and it has come to my attention that Experian has been reporting incorrect and outdated information, which has adversely affected my credit score and my ability to build a favorable credit profile. 

I have attached a packet containing my credit reports from Experian, XXXX, and XXXX, which clearly illustrate the discrepancies in Experian 's reporting. The following issues require immediate attention and correction : Divergence in Credit Scores : Experian 's XXXX XXXX differs significantly from both XXXX and XXXX. Experian 's score is XXXX points lower than XXXX and XXXX points lower than XXXX. Such discrepancies raise concerns about the accuracy of Experian 's reporting. 

Outdated Information : Several entries in my Experian credit report, such as charge-offs and old closed accounts, have not been updated for several months, despite the same accounts being updated on other credit reports, including XXXX and XXXX. For instance, the " status updated '' date for the XXXX XXXX account is XX/XX/XXXX, while the " balance updated '' date is XX/XX/XXXX, and the " last payment date '' is XX/XX/XXXX. These inconsistencies violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Discrepancies in XXXX XXXX : Experian reports significantly higher loan and total debt amounts compared to XXXX and XXXX. Experian 's reporting shows a loan debt of {$28000.00}, while XXXX and XXXX report substantially lower figures of {$20000.00} and {$20000.00}, respectively. These discrepancies are not only inaccurate but also detrimental to my credit profile. 

I kindly request that the CFPB conduct a thorough investigation into these discrepancies and inaccuracies and take the necessary steps to compel Experian to correct and update the information on my credit report promptly, with all amendments reflected as late as XX/XX/XXXX. These discrepancies not only harm my creditworthiness but also violate my rights as a consumer under the FDCPA and FCRA. 

Enclosed, please find copies of the relevant credit reports with the highlighted discrepancies for your reference. I am also prepared to provide any additional documentation or information you may require to facilitate this investigation. 

I appreciate your prompt attention to this matter and your commitment to ensuring fair and accurate credit reporting. Please inform me of any updates or actions taken regarding this dispute. 

Thank you for your assistance in resolving this issue. 

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

Issue XXXX. XXXX XXXX mortgage reported XX/XX/XXXX payment as late. Covid 19 Forebearace plan on this mortgage started XX/XX/XXXX and lasted for XXXX months, so XX/XX/XXXX was during the forbearance period and should NOT be reported as a late payment. 

Issue XXXX. I paid the requested mortgage sum amount as personally directed by XXXX XXXX upon completing XXXX months of forbearance and it sat in the XXXX XXXX  account, labeled by XXXX XXXX as " unassigned funds '', which prompted late fees charged to me and an additional error on my credit report for late payment. 

XXXX XXXX has since reviewed my payment history and removed all " late fees '', but they have not updated my credit report and my co-borrower 's / XXXX XXXX credit report. When I called XXXX XXXX on XX/XX/XXXX about these XXXX credit report mistakes, they told me to write to the credit report agencies. 

Please accept this as my written request for an investigation and correction of the XXXX error reports on our mortgage account credit history. 

Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of an erroneous XXXX account on my credit reports, which is currently in litigation because the account does not and has never belonged to me. Despite my multiple requests and submission of supporting documentation, the inaccurate information has not been rectified. I have diligently asked the credit reporting agency to remove this inaccurate account on multiple occasions without success. I now invoke the estoppel by silence method, a legal doctrine which posits that silence in the face of a duty to speak may give rise to an estoppela legal bar that precludes any entity from asserting facts that are inconsistent with their failure to correct this inaccuracy. By neglecting to remove the XXXX account, the responsible party is effectively complicit in perpetuating false information on my credit reports. I kindly request your intervention to ensure that the appropriate entity adheres to its obligation to accurately report information. The continued presence of this account not only harms my creditworthiness but also violates the principles of fair and accurate reporting mandated by the Fair Credit Reporting Act ( FCRA ). I trust that, through your oversight, the responsible entity will promptly remove the inaccurate information from my credit reports, rectifying the harm caused to my credit standing. Thank you for your attention to this matter.
Product: Student loan

Hello. 
Normally, I submit my payments a month in advance, and I had been paying {$220.00} consistently the month prior. 
On XX/XX/XXXX, I submitted the payment of XXXX, but that amount was to pay the month for XX/XX/XXXX. For some reason, Nelnet allocated all the payments to one group and not both. Perhaps they use that as additional principal when they shouldn't. 
When I scheduled the payment for the month of XXXX, the website said that I had an amount due of XXXX for XXXX. After three different phone calls to get this clear, I was told that the payment I made on XX/XX/XXXX went all to one group and the second group did not get satisfied. I was a little confused and I was explained to provide some additional instruction to disburse the amount correctly to both loan and not to just one. 
This week ( week ending on XX/XX/XXXX ) I started to check my finance to schedule the next payment that was due on XX/XX/XXXX. I checked between Sunday and Monday and the payment due said XXXX. When I logged on on XX/XX/XXXX to schedule the payment, the amount was changed to XXXX. I called an advisor, asked to speak to a manager, spoke with XXXX and he said that, after I made a payment of XXXX on XX/XX/XXXX, both loan groups were not satisfied??? I paid XXXX plus the amount that I needed to pay to satisfy the second group and I still get charged for the next bill???? So based on the last statement I owned XXXX for a group A and XXXX for group B. How come I will keep owning to these groups when I paid the unsatisfied amount and in addition to that, the corresponding XXXX for the month of XXXX? 
After my conversation with the supervisormanager, he explained to me that paying the XXXX will take care of this and then the next payment due date will be XX/XX/XXXX. So on XX/XX/XXXX, I paid the XXXX. 
On XX/XX/XXXX, I check again to see what the status was and now it was showing that I was due XXXX for XX/XX/XXXX. So I called again, spoke I believe with XXXX ( or XXXX - she was very nice ), explained to me that again all the payment made on XX/XX/XXXX went to one group, but group B was not. So she said that she will reallocate that amount so both groups are satisfied and that should take care of the problem and it should reflect XX/XX/XXXX as the new date. 
Today XX/XX/XXXX I logged in to check the status because the advisor suggested to check and monitor on the site the payment to ensure that everything went well. Right now I am back with a due date of XX/XX/XXXX for the amount of XXXX. 
I need someone to help me on what to do because I am trying to do the right thing, be on time of my payments and all I get are explanations of how the interest worksaccrued but things are not getting better. Those payments were supposed to be used to satisfy the next payment as scheduled and not the be used as additional principal. I am not resolving this matter with Nelnet and I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Covington Credit Services I have no knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto payments were setup to make payments on a car loan. Starting onXX/XX/2013. The payments were made on time for 4 1/2 years. Then unexpectedly stopped before the end of the loan. It was found by my bank the the number of months for the loan were incorrect. I was out of the country, in XXXX, that month. When I returned I found the late notice in my mail. Bad timing for me to be away from my mailbox. The loan was at the end of it existence so I went ahead and paid off the loan in full. The financial institution, XXXX XXXX XXXX, reported to credit reporting agencies a missed payment greater than 29 days. I spoke them about my circumstances leading to my missed payment. Their reply was, " We acknowledge participation in credit reporting system is voluntary ; however our company has chosen to report the payment experience of our customers. Therefore, we do not subjectively remove accurate information we have reported to the credit reporting agencies. We are unable to remove delinquencies or change the way we are reporting your payment history as a courtesy or as a gesture of goodwill for brand loyalty. There is a problem with that statement. It does not take into account that we live in a digital age. that consumers have lives outside of this black or white constraint. Or take into account a non planned outcome do to a digital mistake. I ask for this delinquency be removed from credit reporting agencies. Because there was no intent to defraud XXXX XXXX XXXX. This is a unfair mark on my credit for no good reason. This can cost me thousands of dollars when purchasing a home. There is no answer to, why? It is simply a fine place on me for a future home purchase. Shame on XXXX XXXX XXXX for not acknowledging a legitimate digital mistake.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Toyota Motor Credit Corporation XXXX XXXX XXXXXXXX XXXXAZ XXXX Re : Account # XXXX Dear HI XXXX XXXX or " Toyota Motor Credit Corporation '' ], This letter is in response to your recent correspondence regarding the handling of my account, Account # XXXX. I would like to clarify that I am managing this matter personally and have not retained legal representation. Any future communication or inquiries should be directed to me directly at the contact information listed above. 
If you require further documentation or details to proceed, please feel free to reach out. I look forward to resolving this matter in a timely and amicable manner. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have a right of privacy. 15 U.S.C Section 604 Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I pulled my credit reports and discovered that there were Fradulent accounts being repported on my credit reports
Product: Bank account or service

The XXXX of CA mistakenly charged my checking account for unpaid taxes, which they later cancelled. Wells Fargo refused to refund the charges for the garnishment so my account is negative {$120.00}. ( Please have someone call me that speaks XXXX. A translator helped me submit this complaint. )
Product: Credit reporting or other personal consumer reports

Please thoroughly validate all the information provided. This entails ensuring that each detail presented is accurate, complete, and in compliance with relevant laws and regulations. Validation encompasses verifying the authenticity of documents, confirming the accuracy of data entries, and ensuring that all information aligns with established standards and requirements.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card

I was a memeber of XXXX. I used my XXXX credit card to pay my share of the monthly membership dues, {$100.00}. There is another woman on my membership who pays the same amount, as we split the cost and membership. My membership was suspended on XXXX 2015 because I did not pay for a part for a boat i was using and they said I damaged it. I called XXXX XXXX on XXXX XXXX, 2015 and told them I was disputing the XXXX and XXXX charges XXXX and do NOT allow them to charge my credit card any more! I then called XXXX and left a message stating I disputed the charges and to stop charging my credit card! XXXX XXXX allowed them to keep charging my credit card til XXXX! I have been going back and forth with XXXX XXXX to get my money back. It 's always a different story with them. They told me '' when you called it was after hours so you talked to customer service not the dispute center. So someone dropped the ball there! I have all my documentation, voice messages from the owner XXXX, still I have not gotten a full reimbursement almost a year later!