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

Subject : Dispute of Inaccurate Late Payment Record on XXXX XXXX File Dear CFPB, I am writing to formally dispute an inaccurate 30-day late payment record on my XXXX credit report. The record was reported by Affirm for the account ending in [ XXXX ] and is incorrect, as my payments for this account have always been made on time. 

I have contacted both XXXX and Affirm to resolve this issue, but no action has been taken to correct the error. I am requesting your assistance in investigating this matter and ensuring the inaccurate late payment is removed from my credit file. 

To support my claim, I have attached the following documentation : A copy of my XXXX credit report with the disputed late payment highlighted This error has negatively impacted my credit score and financial reputation. I kindly request that the inaccurate late payment entry be removed and my credit report updated accordingly. 

Please let me know if you require additional details or documentation to resolve this matter. I can be reached at [ XXXX ] or [ XXXX ]. 

Thank you for your time and assistance in ensuring the accuracy of my credit report. 

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

I called the billing department of XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/year> at XXXX and spoke with XXXX XXXX I inquired about a bill that is currently in collections with XXXX XXXX XXXX in the amount of {$1100.00}. She checked my account and informed me that they did not have a bill for this amount nor did they send any to collections for the amount in question. I have disputed this matter several times with the Equifax Credit Bureau and they insist that it is a legitimate expense. This discrepancy is not listed on my credit report with XXXX or XXXX credit bureaus. Equifax has also dropped my credit score XXXX points for an increase on my XXXX XXXX credit card that is considered to be within the standard usage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan on my vehicle in XX/XX/XXXX. I am not disputing this and I defaulted on the loan and owed this company and a late, repo was put on my credit reports which were valid. I called XXXX  and asked them about the judgment letter I received that stated a judgment would not be reported it I made arrangements to pay. I called on XX/XX/XXXX and did just that. They never gave me proof as to what the vehicle was sold for only verbal proof, why would I trust these people to tell the truth. I was then told I had a remaining balance of XXXX in which I could make payments and it would not be reported as a charge off because I have satisfied my obligation. Even though I know this was still bad on my credit I didnt want to owe these people and have them out another negative remark on my credit report. I started paying right away and had paid almost {$800.00} dollars when I received an alert from XXXX saying that this company has reported a charge-off even though they informed me they would not if I paid and agreed to pay. 
I then called them that day and spoke with XXXX XXXX one of  the Managers there. I told him my dilemma and he said, XXXX XXXX, if you make a deal with us and pay {$400.00} we will take ALL the negative information off your reports and it will be like they never existed. I was ecstatic and agreed, I spoke with an Attorney and he informed that XXXX could not delete these items form my report but what they could do is not do anything when I disputed them and they would fall off automatically with all three bureaus within 30-60 days. I asked XXXX XXXX for something in writing stating this was the case and he refused to ask me to just trust him. I told him I trusted no one at that company and this was a business transaction. They refused to put anything in writing even though I recorded XXXX on my cell phone with his permission stating that all the items would be removed for {$400.00}. 
This has affected me greatly not so much the repo and the late but the charge off they lied about. I was denied and apt I needed and my credit lines were decreased on some of my credit card accounts. As a result of this, I have been on pins and needles aggravated my condition of XXXX that I take medication for every day. I want these people to make good on their promise and get it in writing in the interim I am going to file a claim at the XXXX XXXX courthouse on XX/XX/XXXX for the maximum of {$7500.00}. XXXX XXXX has stopped taking my calls and wont call me when I leave messages. I dont think I should be liable for the {$400.00} since I have been through so much pain and mental suffering with this company. I have proof of all that that I stated above including bank records where they took payments from my checking account for the {$150.00} per week for 5 weeks which was never reported as being paid either to the credit bureaus, in fact, I have a letter from them on XX/XX/XXXX ( attached } stating I still owe the full amount which is incorrect. 

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

Subject : Request for Removal of Fraudulent Account Dear [ Credit Bureau ] and XXXX XXXX I am writing to dispute a fraudulent account on my credit report. The account [ Account XXXX XXXX ] does not belong to me, and I believe it is the result of identity theft. 

Please investigate this matter and remove the fraudulent account from my credit report IMMEDIATELY. I have attached copies of my identification and any relevant documents for your review. 

Thank you for your prompt attention to this issue. 

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

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but Equifax keep rposting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.
Product: Credit card

In XX/XX/XXXX, I used a Promotional Check from Chase Freedom credit card for {$15000.00} with 0 % interest if paid off by XXXX XX/XX/XXXX, I paid off the remaining balance of {$3500.00} on that Promotional Check with a check paid to Chase drawn on XXXX XXXX XXXX Instead of applying the full amount of that payment to the Promotion, Chase applied part of that money to the regular credit card payment, to another Promotional Offer due on XX/XX/XXXX and only {$2100.00} to the Promotional Offer expiring XX/XX/XXXX. That leaves a balance of {$1300.00} on the Promotion instead of a {$0.00} balance. Additionally, Chase has been using the total of the Promotional Checks that I have used to calculate daily interest on the credit card. If the Promotional Checks are truly 0 % interest if paid off by the due date, they should not be included in the overall interest calculations. Now because of their misallocation of my final payment of the XXXX, I fear I am liable for 20.24 % interest. Altogether it seems to me that Chase is fraudulently charging me interest on 0 % interest advances from XXXX to the current date and I would like Chase to show that the only Promotional charge on my credit card is the {$10000.00} due XX/XX/XXXX. Chase did refund some interest charges for a few months in XXXX after my initial complaint but now are not willing to change my account to show a {$0.00} balance on the Promotion that ended XXXX. I intend to pay the remaining Promotional balance of {$10000.00} or {$9900.00} due XX/XX/XXXX prior to that date and I do not want to be put in the same jeopardy just because they apply payments to other charges. Their computers need to be reprogrammed to accurately allocate payments to correct charges and not penalize customers with faulty or fraudulent interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

i opened account on  XXXX  and never missed a payment until  XXXX  in  XXXX   XXXX  and since than i never missed a payment but they are not reporting my account positive since  XXXX   XXXX  it is still in the negative status
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that these items be investigated and removed from my report. It is my understanding that the bureau will recheck these items with the creditor who has posted them. Any information that the creditor can not verify must be deleted I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter its been well over six months. The following information are incorrect. I would like it removed from my credit history report XXXX Account Number : Please correct/update this inaccurate information on my credit report. 
XXXX. FDCPA Section 807 violations misleading false report XXXX XXXX XXXX Account Number : This account is inaccurate XXXX. FDCPA Section 807 violations misleading false report DEPT OF ED/XXXXXXXX Account Number : This account is inaccurate XXXX. FDCPA Section 807 violations misleading false report DEPT OF EDUCATIONXXXX  Account Number : This account is inaccurate and XXXX. FDCPA Section 807 violations misleading false report XXXX XXXX XXXX  Account Number :. 

These account are inaccurate The following information has not been verified and, following failure to verify, deleted from the report as soon as possible these accounts are deed in vilation remove immediately. Stop updating Delete and Remove Inacurate reporting now. 

I have address misspell names open and closed reporting dates and so much violation to many name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I contacted Commerce Bank multiple times in the months of XXXX and XXXX to speak with a representative regarding my Covid-19 pandemic related financial hardship. I was only ever able to get in contact with a collections agent, and that individual refused to let me speak with anyone else. I was told multiple times that a manager or  supervisor would return my call, buy nobody ever has. The collections agent, who was not a manager or supervisor, was not willing or able to help me with my account. 

I was attempting to request additional financial relief, as Commerce Bank had previously extended me a period of payment deferral in regards to the Covid-19 financial hardship. I have also been experiencing hardship as a result of living in a FEMA Designated Disaster Area from a Tornado that occurred at the beginning of the Covid-19 outbreak. I was calling Commerce Bank to request an extension of the deferral, or explore any other options they might have had for a person in my position. Unfortunately, they do not appear to be staffed to handle consumer issues in a manner compliant with federal banking regulations. 

Additionally, the terms of my original payment deferral period was supposed to extend through the month of XXXX, but either this was not honored or I was improperly informed as to the length of the original deferment, as it appears to have ended in XXXX. Consequently, Commerce bank has engaged in negative credit reporting. I have tried to contact them to get this corrected, because it is not fair to hold me accountable to terms that are different than what I originally agreed to when the deferral was offered to me. 

I do not think it is unreasonable for me to be requesting a payment deferral in light of the current economic crisis, and the banking industry is largely in agreement with me, as evidenced by the much more generous terms that have been extended to me on accounts I have with other major financial institutions. 

I also think it is very problematic for a company to not even be willing to discuss the situation with me, this is very unreasonable, and probably illegal in the financial services industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, THE INFORMATION REPORTING TO MY CREDIT PROFILE IS INFORMATION THAT I HAVE NO RELATION TO, NOR HAVE I EVER HAD A ACCOUNT WITH THIS CREDITOR. I HAVE CONTACTED THEM AND THEY HAVE FAILED TO PROVIDE ME WITH ANY ORGINAL SIGNED CONTRACT STATING THAT I OWE A DEBT TO THIS COMPANY UNDER FCRA SECTION 609A. UNDER FCRA SECTION 605B AND 609E, FRAUDULENT INFORMATION MUST BE PERMANENTLY DELETED FROM A CONSUMERS CREDIT PROFILE WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. THIS IS A DIRECT VIOLATION OF THE CONSUMER LAW AND I WILL BE FOLLOWING UP WITH EACH AGENCY TO ENSURE THIS MATTER IS TAKEN CARE OF IN A PROMPT MANNER. I HAVE CONTACTED MY ATTORNEY AND PLAN TO FILE A LAWSUIT AGAINST ANY AGENCY INVOLVED IN REPORTING FRAUDULENT AND UNVERIFIED INFORMATION TO MY CREDIT PROFILE. THIS HAS CAUSED ME DISTRESS AS WELL AS RUINED MY CONSUMER FILE. THE FOLLOWING ACCOUNT IS FRAUDULENT : XXXX XXXX XXXX # XXXX {$190.00}. FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS. PLEASE REMOVE ALLL NON-ACCOUNT HOLDING INQUIRES THAT HAS NOT BEEN VERIFIED VIA ORIGINAL SIGNED CONTRACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and Equifax about a collection Debt for XXXX XXXX XXXX XXXX it shows the debt opened XX/XX/2016 with XXXX. The Creditor has referred me back to XXXX for any documentation. The collection does not belong to me. The original creditor has not been able to assist me I have submitted two disputes and the only reply I receive from the credit bureau is that it is validated.
Product: Debt collection

I received a letter from XXXX XXXX XXXX dated XX/XX/2019 concerning a balance owing with Access Group Inc . 

This debt was previously placed with XXXX and I never received any notification that XXXX is no longer servicing the account. I have tried to reach out to XXXX and they are no longer taking calls. 

On XX/XX/2019 I spoke with XXXX XXXX with XXXX and after all disclosures I told him that I wanted to start making payments but would need some written documentation confirming that they are in fact the servicer of the loan, that the account is no longer placed with XXXX and that XXXX XXXX has given them permission to service the loan. 

My request was met with significant pushback from Mr. XXXX. He told me that the letter I received - the Dunning letter - was verification enough and that I should call Access Group. I explained to him that I am well aware of my rights and I am entitled to have this debt verified and have proof that they have authority to service this debt. XXXX started to interrupt me as I was talking and told me that he is in the position to know far more about what his job is than me. I told him that I don't appreciate his tone or that he is being argumentative with is request and asked to speak with his manager. I was told that that the manager - XXXX XXXX is unavailable. 

My complaint is two fold, the abusive and argumentative nature of Mr. XXXX is unacceptable. I have a debt, but I am still human and should be treated as such. Second, receiving push back for requesting proof that XXXX has authority to service the debt from Access Group is in direct  violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whenever Equifax reports a dispute, they update the date reported. I have a closed account with XXXX that was settled. There is a current tradeline of " date of major delinquency reported '' that shows XX/XX/XXXX. That is completely inaccurate. The major delinquency was caused by XXXX  and occured in XXXX, and was settle in XXXX of XXXX. This is causing Fico to report the most recent late payment on the account to be only on month old, as well as a huge dip in my credit score which is affecting my ability to obtain a mortgage. 

I also requested through Equifax that the most recent dispute that was filed at the end of XXXX be deleted. I was assured that it would be deleted within 7-10 business days. It has been over three weeks since I made was told that the dispute would be deleted and it still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights unde

r 15 USC 1681. Experian is governed by 15 USC 1681, and they violated my rights n
umerous times. I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX
Product: Debt collection

Never received billing or other info regarding ownership status. Began to receive phone calls from a collection company XX/XX/2017. Company did not seem legal as they did not give me any written notice or other info regarding debt, required by law. Checked credit report found I had been placed in collection, without written notice of that happening. My rights have I feel been violated by unlawful business practicus
Product: Consumer Loan

I have a vehicle financed with Prestige Financial. I noticed within the last few weeks they have reported my principal balance as being higher than in previous months, while making my payments. After inquiring with them, they have NOT had this information corrected with the credit bureaus, as a matter of fact, they told me the credit reporting agencies report what they want. I have asked them since I have brought it to their attention for them to fix this issue. In the meantime, I also noticed that my " principal '' balance online ( when I log into my account ) increases daily. I inquired as to why that is and was told it is a per diem fee .... What is a per diem fee? I do n't recall that as being part of my contract ... XXXX Why do these companies think they can just take and take and take from their customers and if a customer schedules a payment 6 days after the due date, they are harrassing you even though they can see the payment is scheduled and will process in a few days .... With most companies, normally there is a minimal grace period. I just want my account and the reporting to the credit bureaus to remain accurate. I do n't know if there is anything I can do to just transfer my car loan to a different finance company as I do n't want to do business with companies are are dishonest and not trustworthy. Not sure what my options are at this point, but any advice on what I can do legally is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed in XX/XX/2017 by Toyota Motor Credit. So my questions is how can account that is closed be reporting 30 days late. I have submitted a copy of the payment history.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is trying to collect a 15 year old debt that they purchased. I have never had any dealings with them, or made any paymentarrangements. I dont owe them any money.
Product: Debt collection

XXXX XXXX started service at an address in another state and incorrectly assigned it to my account. I received a first bill, at which point I contacted them to say the service address was not mine. Then I received a final bill for {$110.00} for the same incorrect address, and again contacted them to say it was not mine. I just received a letter from a debt collector for the amount of the final bill. 

The attached is a copy of the final bill. I have no connection to this property ; I have never been to and do not know anyone in XXXX, SC.
Product: Credit reporting or other personal consumer reports

XX/XX/2018 Amount {$4000.00} i dispute it item
Product: Mortgage

I had pmi on my mortgage with pnc bank starting at closing XX/XX/XXXX. 

I entered bankruptcy XXXX  XXXX XX/XX/XXXX and completed the bankruptcy successfully on XX/XX/XXXX with every payment to trustee on time in full per the bankruptcy agreement. I paid the trustee, and the trustee then paid creditors. For whatever reason, the trustee chose to make payments to pnc after pncs due date and now pnc is saying I was late but I was not. I have been on time every month since XXXXXXXX XXXXXXXXover 4 years now!!! 

I have tried and tried to get pmi deletion as i have been timely. The house is worth at least {$550000.00} and owe less than {$240000.00}. 

My bankruptcy lawyer told me the bankruptcy plan replaced the contract with the lender during its active status. Given that, I have been on time since XX/XX/XXXX. I have submitted proof of the increased value of the house. My bankruptcy lawyer tried to resolve this for me and their lawyer told her they would and then failed to do so. At this point, I have been paying pmi of XXXX? a month since XXXXXXXX XXXXover 6 years. No one at pnc will help me. Thank you.
Product: Checking or savings account

There was no fraudulent deposit transactions totaling {$8000.00} the money was then fraudulently Taken via my cash app account in the amount of {$7800.00} which was reported. I received the credit reversal of only {$6000.00}. If they can see {$8000.00} was fraudulently deposited and they took the {$8000.00} why would they not take the {$2000.00} and reverse it as well. I provided a cash app statement showing all {$7800.00} went to the same people all which were fraudulent. XXXX attempted to recover the funds but it was too late. Since {$8000.00} was taking my account was overdrawn by over {$500.00} which was then taking from my XXXX  account to cover.