23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was sick in the Winter of XXXX and then got XXXX at the beginning of this year. Due to those hospitalizations, I did not receive a lot of mail on time. One of those mailings was from XXXX who turned it over to be collected by Southwest Credit Systems a.k.a. Southwest Credit Group. When I got well, I tried to call XXXX and they informed me they had already turned it over. I then immediately called SWC Group and paid the bill. I then asked politely for it to be removed from my credit so that I didn't have to suffer a bad ding on my credit for the next 7 years ( SWC Group had only put it on my credit in the middle of XX/XX/XXXX ) and I was told that they don't remove but would mark it paid. This is not acceptable. It was only on my credit for 2 months and I didn't have a chance to dispute it, validate it, or pay it prior to it being put on my credit, because I didn't get the notice in the mail. 

I then wrote a nice and professional letter to the CEO of SWC Group, XXXX XXXX, asking him in good faith to please remove this from my account, but I never got a response. 

I am a Veteran, who served this country in the XXXX XXXX and can not even get my VA loan to purchase a home due to this issue and I do not believe it is right. I can understand if I let it sit on my credit for years and ignored it, but I took care of it right away and expect them to be understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent certified letters to XXXX XXXX and Transunion on XX/XX/XXXX, explaining that I had noticed unknown/unauthorized accounts on my credit report. Also, I have several inquires that are not authorized. Each company failed to verify and/or send me proper documentation which means they are in violation of my rights. 
1. XXXX XXXX XXXX {$580.00} 2. XXXX XXXX XXXX {$200.00} 3XXXX XXXX XXXX {$490.00} 4. XXXX-showing as a charge off to XXXX XXXX XXXX 5. XXXX XXXX {$390.00}. This was proven not to be my account and removed from Transunion and XXXX yet still remains on my XXXX. 
Inquires not authorized 1.XXXXXXXX XXXX XXXXXXXX 2.XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXXXXXX 4. XXXX XX/XX/XXXX AND XX/XX/XXXX 5.XXXX XXXX XXXXXX/XX/XXXX 6 . XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX AND XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXXXXXX AND XX/XX/XXXX 9. XXXX XXXX XXXXXX/XX/XXXX AND XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom may concern : On XX/XX/year> i submitted an application for a forbearance plan to XXXX XXXX, the reason that i have to summit an application for forbearance plan was because on XX/XX/year> i have to pay XXXX XXXX the amount of {$6900.00} because my Escrow balance was short and in order for my payment do not go higher i has a friend to borrow me that money, since that i been trying to get in track with all the bills because i had to pay my friend that amount of money, that's why i decide to contact XXXX XXXX  on XX/XX/year> and summit an application for a forbearance plan.At the moment that i summit the application i contact XXXX XXXX i they told me that i was protected for the forbearance plan and was not going to hurt my credit score.Now i just find out that they are reporting 1 miss payment and my credit score has drop more than XXXX points.Also now i'm back in track and i have made all my payments on XX/XX/year> i paid the month of XXXX, on XX/XX/year> i paid the month of XXXX, on XX/XX/year> i paid the month of XXXX and XX/XX/year> i paid the month of XXXX. I call then again on XX/XX/year> and i have requested to remove the forbearance plan and i call today XX/XX/year> again and the haven't removed yet.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed. 


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 XXXX XXXX before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX 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! 


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

These inquiries are not related to me, and I have no ties to the creditors mentioned.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a credit card offer form Wells Fargo Financial Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, South Dakota, XXXX for a possible line of credit. I applied for the credit card and was approved on XX/XX/XXXX. This card was secured with Wells Fargo Financial having a secured interest in my home. The following year, I was unemployed and filed for Chapter XXXX bankruptcy in XX/XX/XXXX. I listed the credit card as a part of the bankruptcy and assumed it would be discharged with the rest of my debt. In XX/XX/XXXX, the bankruptcy was discharged and I have since moved on thinking that this credit card was a part of the discharge. I am currently in the process of trying to refinance my mortgage with a different financial institution and have qualified and been approved for the refinance. Upon review with the title company, it was discovered that this credit card debt was showing up as a interest in my property and the title company is refusing to remove this item even though I submitted the bankruptcy discharge information. After learning of the situation, I contacted my bankruptcy attorney on XX/XX/XXXX to determine what can be done about this. I learned from the attorney that because of the secured interest in my home, there is nothing that they could do, however, I was informed that other clients in similar situations with the same credit card have been able to get a release/settlement due to fraudulent practices demonstrated by Wells Fargo. Upon my research on the internet, I was able to find the XX/XX/XXXX class action lawsuit against Wells Fargo in the state of New York where they settled with credit card consumers for {$4.00} XXXX dollars. They were in violation of policy violations, which put consumers ' home at risk. Wells Fargo Financial Credit Services of New York, a Wells Fargo affiliate, acquired XXXX Home Equity Lines of Credit through which they offered a secured credit card called the XXXX XXXX Platinum, which I had. This allowed consumers to secure their credit card purchases using interest on their home loans -- a practice that is not permissible under the law in the state of New York. There is evidence that on top of the illegal practices it in engaged in, Wells Fargo altered and falsified income documents, in order to qualify borrowers for loans that would otherwise be denied. On XX/XX/XXXX, I filed a formal complaint against Wells Fargo with the Office of Minnesota Attorney General XXXX XXXX 's office. 

The Attorney General 's office has also contacted Wells Fargo on my behalf and has requested written response from them regarding my claims. As of XX/XX/XXXX, I also filed a complaint with the Office of the Comptroller of the Currency.
Product: Vehicle loan or lease

Ridiculous. Im a fastidious monitor of my credit and have always had everything in order, until about on or about XX/XX/XXXX, when I got a monitoring service notice that negative information had been posted. I see it is @ gmfinancial has said Im 30 days late for a payment. I had a GM lease and turned it back in on time the first of XXXX and had been waiting for the final bill. Well calling GM on XX/XX/2019, I was told revealed that it was this final bill that was recorded as over 30 days delinquent. I told them I had never received a bill and they admitted that it had not been sent yet but if I wanted to pay it over the phone I could, which I did. They then said they would correct their mistake and take the ding off the credit report. Called them again on XX/XX/2019 to see why it hasnt been corrected and was told they submitted the paperwork on XX/XX/XXXX, and once it was processed internally it would take ano ther 30-45 days to have this mistake corrected by the credit bureaus. My question is XXXX? We are looking for a new mortgage and this over 100 point reduction in my credit score will cost me thousands of dollars in mortgage costs. Do I get the mortgage and sue @ gmfinancial for the cost or are there attorneys out there that will take this sort of thing on. Oh and as a guy with XXXX I have many better things to do right now.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$74000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5200.00} ; XXXX XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$71000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I made a payment towards my student loands on time via Nelnet 's website. I made a payment on XX/XX/23 of {$1100.00} to a loan group. The payment amount due was {$500.00} by XX/XX/23, so my payment of {$1100.00} covered the total due in excess. It is now XX/XX/23 and Nelnet 's website says that my payment is past due. However, the website reflects that my payment of {$1100.00} on XX/XX/23 was posted and applied to my account, and the money has been drawn from my bank account. I have tried to call Nelnet twice, once on XX/XX/23 and again on XX/XX/23 to speak with an advisor to address their error. Both times the hold times were estimated to be over 70 minutes long. I can not get in contact with anyone to amend this issue. I am scared it will start to impact my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$2100.00}, XXXX XXXX Balance : {$2400.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, we were affected by the hurricane and offered disaster relief assistance from XXXX ( mortgage company ). We did not have to make a payment XXXX XXXX & XX/XX/XXXX. We were given the option to modify or accept a forbearance. In the process of modifying the account was transferred to XXXX XXXX. It took almost a year to rectify this issue because XXXX did not have us classified as being under a program so our loan was considered delinquent. After several complaints and the assistance of FHA/HUD. We were able to rectify the situation. We were advised no late fees would be assessed and our credit would reflect affected by disaster/current. In XX/XX/XXXX when the partial modification was completed, I had to request an update to the credit bureau because the loan was showing 90 days delinquent. It was updated to current. Then in XX/XX/XXXX, XXXX   XXXX reported the account XXXX days delinquent. We have already established that the account was never delinquent but under a disaster program. I am currently trying to refinance and I can not because they keep reporting the account as negative. They updated it to current but was over 90 days delinquent. This has prevented me from getting a line of credit and the interest rate on the refinance is higher. I need XXXX to advise XXXX XXXX that no fees should have been assessed on the missed payments, I need XXXX  XXXX  to waive the late fees that were added, correct my credit report to show CURRENT PAYS ON TIME NEVER LATE and to adjust the balance of the partial modification. I have asked several times for a supervisor and I have never received a call back!
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. 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 in 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. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as 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 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX  - Account Number:XXXX XXXX - Account NumberXXXX Please remove it from my credit report. 

XXXX XXXX  - Account Number:XXXX  Please Update all payments, all pay was made on time. 

XXXX XXXX - Account NumberXXXX THIS CONTRACT IS CANCELED XXXX XXXXXXXX - Account XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) XXXX XXXX XXXX XXXX XXXX my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX or XXXX of 2022 I reached out to all 3 credit bureaus plus the creditors WHICH are XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX. I Sent a debt of validation letter from all 3 companies plus from experian, XXXX, and XXXX and all 6 companies failed to send me a letter with my wet signature or anything of that matter to prove that these accounts were mine. They failed to do so. Per 15 usc 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' So because you all failed to follow the procedure and legal steps these accounts legally have to be removed.
Product: Checking or savings account

On XX/XX/XXXX, the identity theft use my ID information to withdraw my money from Chase bank, the identity theft withdraw {$1300.00} from my checking account and {$1300.00} from my saving account. And On XX/XX/XXXX, identity theft withdraw {$800.00} from my checking account again. On XX/XX/XXXX, I applied for claims and I ask for affidavits. On XX/XX/XXXX, I called in for the results, they told me they need 10-15 days to investigate. Then I called in the Chase bank again on XX/XX/XXXX and on XX/XX/XXXX. They always tell me they need 7-10days more. Now two months passed, they didnt give my money back! I put my money on the bank, why the other person can withdraw my money without the bank card from the bank?
Product: Checking or savings account

I couldnt report my card stolen cause I was on hold three hours Before being disconnected. After yall disconnected with me I tried and tried to call and after Id enter the card # it said well transfer you only to get disconnected over and over. I tried to enter my SS # and got the same result. I borrowed my roommates phone to call and I finally got through to a representative to find my card had an alert and also had to call social security to validate my identity and I got no security questions but I was told I would receive a letter to be completed and returned but could not understand the representative because her accent was so thick. Help me get my money back please
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2021 Listed 6 /90 day late Payments missed under the Cares act.

It was my understanding that the student loan Payments were on pause. I quickly notified XXXX when I seen the late payments. 
One loan, placed 6 times. 
During this time Iost my Daughter on XXXX day, I couldn't think straight for months. Finally looking into the student loans I got everything straightened out but it has put a black mark on my credit score. I never been late. I sent a letter to the credit agencies and disputed. They sent no proof. I then contacted XXXX and they wanted a dispute letter. This is wrong during a national pandemic
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

im a XXXX year old man with XXXX and find the process of submitting my id theft report to both XXXX and EQ extremely confusing and stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote lexis nexus in Georgia filled form out sent it in. 
They never wrote me back. 
Got declined on several things because of them have no clue what to dispute refused to contact me in over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights.

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