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

Upon reviewing my credit report, I noticed that this late payment account is inaccurately reported, which is adversely affecting my creditworthiness. The account is : XXXX XXXX Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions.

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions. The evidence must include color copies of my ID and Social Security Card used to open this account.

Moreover, in alignment with 15 USC 1666b, 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 they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case.

If you can not produce the necessary documents validating this account and these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately. 

It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands. 

Upon completion, I request to be informed of the outcome of your investigation and to receive an updated copy of my credit report if any corrections are made.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Dear CFPB Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : - Original Balance : {$13000.00} Open Date : XX/XX/XXXX XXXX XXXX continues to report inaccurate and false information, continuing to lie regardless of the damage to my credit report. 

I am tired of this situation. I have tried to correct the errors I obviously mention and there are no results, only deceptive methods that do not fix or correct the errors on my Experian and XXXX credit report. 

Errores : XXXX XXXX XXXX XXXX Experian and XXXX that XXXX last payment was {$14000.00} made on XX/XX/XXXX, it doesn't make sense, the original loan was {$13000.00}, how can I pay more than the original loan? Even after having made monthly payments during XX/XX/XXXX until XX/XX/XXXX, it is an error that I have tried to resolve on several occasions and XXXX is not able to correct it, fix this or delete the entire account. 

XXXX XXXX XXXX XXXX Experian and XXXX that XXXX account was opened on XX/XX/XXXX but in the PAYMENT HISTORY there is no activity for XX/XX/XXXX, why is nothing reported for XX/XX/XXXX? Please fix this or delete the entire account. 

XXXX deleted and removed the Balance History. Why have they removed that information about the monthly balance, the scheduled payment month by month or how much I paid month by month from XX/XX/XXXX to XX/XX/XXXX? Why was the balance history deleted in the Experian report? Please provide the Balance History or delete the entire account. 

XXXX reports that I was 30 days late in XXXX and XX/XX/XXXX, that is false, it was the time of XXXX and they themselves gave me a deadline ( Extension ) to pay without affecting my Payment History, they clearly lied, I demand that the XXXX payments of 30 days late in XXXX and XX/XX/XXXX be updated to on-time payments, fix this or delete the entire account. 

I have tried to resolve these issues with XXXX on countless occasions. I demand that they delete this account immediately. XXXX is not able to resolve the errors nor does it have the information to certify and verify what they are reporting. 

Please XXXX has been updating this account with errors for over a year and with each update they add more errors, stop this aberration to my credit report and my integrity, delete this account completely full of errors and false information, it is my right as a consumer. 

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

This company Fair Collections and Out has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XXXX/XXXX/XXXX in the amount of {$1200.00}. I have never done business with these people and have not agreed to anything with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie.
Product: Credit card or prepaid card

Ashley furniture account number # XXXX I do not give your company permission to share, sell, release or report information derived from my consumer profile and that was derived from your data files within your systems. Reporting to affiliates or any third-party affiliates ( XXXX, XXXX, XXXX ) violates my privacy. The information you are furnished to CRA 's is inaccurate and incomplete. I am a consumer who has been the victim of fraud. I have a fraud alert on my credit profile that was ignored by your company to issue credit. Financial institutions have a responsibility to protect the privacy of the personal financial information of their customers and consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : TransUnion XXXX XXXX  XXXX XXXX, PA XXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. 

The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! 

The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 

Below is a summary of the data in which I am challenging : Personal Information for Transunion NAME : XXXX XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or XXXX XXXX standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXX, CA XXXX Yours Truly, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or XXXX XXXX law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX  XXXX XXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Credit card or prepaid card

I've been a Discover Card customer since XXXX. 
My payment history is excellent and my Credit score is over 750. 
On XX/XX/XXXX, I contacted the company to request a reduction of my 21.24 % interest rate. 
I spoke with a CSR named XXXX and his Supervisor, XXXX. They both told me that their records show that I am eligible rate, however, no lower rate was shown in their system. XXXX was " intrigued '' by the situation but could not provide an interest rate reduction. 
He did offer a refund of the {$74.00} interest that I was charged on my last statement. 
I think I should receive a lower interest rate.
Product: Mortgage

Received notification that my homeowners insurance is be canceled due to non payment on XX/XX/2018. Our escrow account with wellsfargo has over {$5400.00} in it and the payment was for less than {$3000.00}. Lender alleges that they contacted insurance company to make payment on XX/XX/XXXX & XX/XX/XXXX which is too late in my opinion. Wellsfargo failed to contact us until XX/XX/XXXX about the issue. No we have no homeowners insurance reside in Florida and insurance is unlikely to write policies due to 2 hurricanes in the XXXX. Now I have a XXXX home near the water uninsured.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS XXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 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 XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

There's a collection from ad Astra ( XXXX XXXX ) has been calling and threatening arrest for s debt that I know nothing about! I've requested proof that I received a loan ( signature, paperwork etc. ) But have received nothing! ; yet they refuse to remove it from my credit files! I block the number they call from and they just call from another number. I'm not gon na pay for something I know nothing about
Product: Mortgage

I have been approved on a forbearance plan through my home mortgage. When I applied on another loan, my credit report showed I was delinquent for three months on my mortgage. To clear this account, I paid the three months forbearance plan but it did not clear on the credit report, thus making my credit score low.
Product: Credit reporting or other personal consumer reports

When they finally took the open status off of my credit report after it being closed for 4 months they put late payments on it that are not correct two of which are after the car was totaled and paid off I need the late payments removed
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent account associated with my personal information, which is appearing on my credit report. The account in question is listed under [ Account Number ], and I strongly believe this account is a result of fraud. I have never authorized or opened this account, nor have I received any communication or documentation from your company regarding it. 

XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/year> Amount : {$4600.00} The fraudulent activity surrounding this account is not only a violation of my privacy, but it is also a blatant breach of trust and potentially a criminal act. I demand the immediate removal of this fraudulent account from my records and an investigation into how my information was compromised. In accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I am requesting the following : Immediate investigation into this fraudulent account. Prompt removal of this account from my credit report. Written confirmation within 30 days that this issue has been resolved and the fraudulent account has been removed. A full explanation of the steps your company will take to prevent such incidents in the future. If this fraudulent account is not removed promptly, I will have no choice but to take further legal action, including but not limited to filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my states attorney generals office.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank account # XXXX XXXX XXXX date - XX/XX/year> These entries are inaccurate and must be removed from my credit report immediately. 
I believe the late payment entries are a result of a reporting error or a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666b. This statute requires that credit transactions be reported within a specific timeframe. In my case, the late payment entries were likely reported outside of this timeframe, making them inaccurate. 
Furthermore, the reporting of these inaccurate late payment entries is a violation of my consumer rights under the XXXX XXXX. This act protects consumers ' personal financial information, including their credit reports. 
I demand that you remove these inaccurate late payment entries from my credit report within [ number ] days. Your failure to do so will be considered a violation of my rights under the FCRA and the XXXX XXXX and XXXX constitute defamation of character. 
I have attached copies of documents that support my dispute. Please investigate this matter promptly and provide me with a written confirmation of the removal of these inaccurate entries.
Product: Checking or savings account

Last month, my debit card was inexplicably cancelled without any notice to me. I found out it had been cancelled after trying to use the card at a neighborhood restaurant. After 40 minutes on the phone with Chase customer support, I was told by the agent that the debit card had been cancelled because it was a Premier checking card and I no longer had a Premier checking account. This made no sense to me because my account had been converted to regular checking about 3 years ago and I had been issued at least 2 or 3 debit cards in the interim. I was sent a replacment card, which took 4 days to reach me, and then I had to go to a branch to have the PIN reset because the card they sent me was not linked to my old PIN number so I could not use the card until I visited the branch and had the PIN reset. All told, I had no access to my checking account short of visiting a branch for a week. 

Last week, I again had my debit card declined at a local merchant. This time when I called customer service, they told me that it had again been cancelled, once again with no notice to me ( Chase has my email, mobile, and two phone numbers on file ). I had to escalate the call to a supervisor, who told me that he could not find any reason why my debit card had been cancelled. He was able to reinstate my current card. 

Yesterday, again, my card was declined at a local merchant. I am tired of spending 20 and 30 minutes at a pop on the phone with customer service agents who have no idea why this is happening to my account. Today is a bank holiday, so I can not just go to the branch to have this resolved. My biggest compliant is that my card keeps getting cancelled WITHOUT ANY NOTICE. In the past, Chase has sent me text messages  when there is a fraud alert that has frozen access to my card. I have also received automated phone calls when there was a potential problem with my card. How can Chase cancel my DEBIT card with no warning or notice whatsoever? I live in a rural area, the nearest branch is a 10 minute drive away, and I use my debit card every day. This situation is unacceptable, and nobody on the phone at Chase seems to know why it is happening or how to fix it.
Product: Debt collection

I received their letter dated XX/XX/2021. Theyve made an error. I do not want their business! I refuse their claim, deny their claim, and submit for fraud any business claims they alleged because we have no business relationship. 

Per the Fair Debt Collection Practices Act, I request them to cease and desist all collection activity including contacting me via phone, any negative reporting to the credit bureaus, filing fraudulent judgments, and are therefore barred from selling assigning or transferring any and all data regarding this account to any other party, subsidiary, or affiliate. Thank you.
Product: Debt collection

XXXX XXXX Agency located at XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX. Has continued to report on a said debt of {$110.00}. I have asked for validation per Fair Credit Reporting Act several times and they still have refused to send any proof of this debt. I have also sent a copy of the Affidavit of Identity Theft obtained by my local Sheriff 's office to Security Collection Agency and the Credit Bureaus of this as well. Sec. 623 ( a ) ( 6 ) ( b ) of the FCRA prohibits any further reporting by the credit furnisher ( XXXX XXXX XXXX XXXX XXXX XXXX ) and prompts the Bureaus to immediately delete the information.
Product: Student loan

I have XXXX separate outstanding XXXX student loans that I had taken out with XXXX XXXX between XXXX and XXXX. Since XXXX, these loans have been transferred to XXXX sister company, " Navient ''. XXXX of these XXXX loans are considered private loans at 7.0 % APR, and the XXXX is a federal loan at 3.75 % APR. I 've called Navient because the arrangement for minimum payment distribution considerably favors the 3.75 % loan which is clearly not the most favorable when it comes to paying these loans off with minimal interest paid. They have told me they ca n't do anything about. Here 's an example : my current minmum payment due is {$180.00} ( average : {$62.00} ) between the XXXX loans @ 7 %, and {$100.00} for the XXXX loan@3.75 %. 

These loans were taken out in XXXX XXXX ( Federal@3.75 % ), XXXX XXXX, XXXX XXXX, and XXXX XXXX ( XXXX Private@7.0 % ) for XXXX toward a XXXX at XXXX in XXXX, NJ.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting the account attached incorrectly. The open date on XXXX and XXXX is XX/XX/2015 and on Transunion its XX/XX/2015. The past due amount on Transunion and XXXX is XXXX and on XXXX  its XXXX. On Transunion and XXXX it shows 120 days past due and on XXXX  it shows 90 days past due. If all of this information is produced from the same place and sent to all three bureaus why is it incorrect? I would like this account deleted from all three bureaus since nothing matches up.
Product: Debt collection

I have received a detailed invoice and the debt started XX/XX/XXXX. On XX/XX/XXXX it was a XXXX writeoff. On XX/XX/XXXX it  changed to an invoice and was a XXXX writeoff. On XX/XX/XXXX it was a XXXX writeoff. On XX/XX/XXXX it  changed to XXXX. On XX/XX/XXXX it was a XXXX writeoff. I do not owe this bill!!!
 Thank you
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX. US Bank is supposedly added {$210.00} for an overdraft that I never knew about until not even a week ago and then they're going to withdraw it automatically again on a certain date when my unemployment had already covered it they said it was because of the covid and a stimulus check well they're getting ready to take the only bit of money I got and there's nothing I can do about it they didn't they don't care if no one ever told me or nothing and they never cashed my XXXX Bulgarian leather either which helped in it but my unemployment check covered the overdraft but they seem to put it in and now they're wanting to pay it back pay it back and you know I get XXXX a week about to lose my unemployment under XXXX can't find a job because unless I'm friend or a family of people you will not get a job and this is God forsaken country XXXX I will get a hold of me thanks XXXX XXXX US Bank
Product: Debt collection

I have been contacted on three occasions at work by IQ Data International. The third occasion was after I had already explained that I am not allowed to receive personal calls at work and that it was not the time to talk about this. The man yelled at me after I told him I can not talk about this now and said give me a number I can call you and what time I can reach you and said " do you want me to report that you do not want to pay this debt? If you do not pay this, it will ruin your credit ''.

Times/Dates they have called me at work : 1. XX/XX/XXXX XXXX XXXX : Spoke to my former coworker at my old work number. My coworker stated he was very aggressive and rude and asked to repeat the call back number and asked to know what time I would be calling back. This can jeopardize my employment as I am not allowed to take personal calls at work. 

2. XX/XX/XXXX XXXX XXXX Called by a man that spoke to my former coworker by a wireless caller, at XXXX, whom threatened to ruin my credit if I did not pay and kept harassing me about paying after I told them I can not talk about this at work. Also, they are trying to embarrass me by talking to my co-workers in a disrespectful tone and being aggressive. 

3. XX/XX/XXXX XXXX XXXX : Caller dialing from XXXX spoke to my current coworker and asked that she make sure that I return his call. My coworker requested several times what his name was and he refused and reluctantly gave the name " XXXX ''. This third attempt was after I asked not to be called at work and I am not allowed to receive personal calls at work.