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

In accordance with the fair credit Reporting act Ford Mortor Credit Company/XXXX has violated my rights. 15USC 1681 section602 States I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a dispute letter reporting to the three Bureaus to seek verification about my credit report. I strongly believe that my report 's information is inaccurate, hurting my credit score tremendously. After a couple of weeks, I received a letter from XXXX on XX/XX/XXXX stating that I must call to verify, even though I spoke with a representative and was told to write a letter with my ID and utility bill to dispute items. Experian sent back the results and told me they were going to investigate. And I haven't gotten any written letter back from XXXX, and it's been 30 business days since I sent this letter out to all three bureaus. I've been told by law if there is incorrect information on my credit report, it must be removed immediately. This is hurting my chances of getting my dream house and dream car.
Product: Student loan

On XX/XX/XXXX the XXXX XXXX enjoyed the SAVE program. I have been on the SAVE program since my REPAYE was converted to the SAVE program. In XXXX, my loan was put into the administrative forbearance and I have been unable to change to another program. I have made regular payments to my consolidated federal loan since XX/XX/XXXX. My current loan servicer is MOHELA. 

I sought to apply for a different IDR program as I am and have previously been employed at qualifying employment for the public services loan forgiveness program ( non-profit legal services and now the federal government ). With that, I was slated to make my XXXX payment in XX/XX/XXXX and wanted to continue on that path. However, if I may a payment it is unclear if it will count. So I wanted to apply for a different program, even if it mean paying more.

I called MOHELA and because I could not apply online. They stated they would accepted paper applications. I confirmed this with the XXXX XXXX XXXX XXXX. I have since sent XXXX paper applications and uploaded a paper application for a new payment plan and have received no response. 

Additionally, when I call there is no guidance on next steps. 

I want to make payments not only to keep working towards forgiveness but also because my current payment goes into the calculation for a debt to income ration for applying for a mortgage. Without a payment that I can prove I am making, I will be calculated to be paying more than I am, making me unable to qualify for a mortgage appropriately.
Product: Credit card or prepaid card

My little boy accessed my Barclay credit card which is tied to my XXXX account without my permission. He proceeded to go on an unauthorized shopping spree not knowing that it was costing real money, It wasnt until I checked my credit card statement that I noticed he had made a bunch of charges that are listed below. I contacted the credit card company and they imediately reversed some of the charges. They are refusing to credit the rest of the charges. My son is under age and used my card without my permisson. I don't see how they can hold me responsible for unauthorized charges made by a minor. I have contacted XXXX XXXX XXXX and they are refusing to refund the charges. I told them I would delete the downloads or send them the XXXX console. They still refused and now I am blocked from contacting them. 


XXXX XX/XX/2020 {$99.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$1.00} XXXX XX/XX/2020 {$49.00} XXXX XXXX XXXX XX/XX/2020 {$39.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$99.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$9.00} XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$1.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$1.00} XXXX XXXX  XX/XX/2020 {$1.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX   XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$99.00} XXXX XXXX  XX/XX/2020 {$99.00} XXXX XXXX  XX/XX/2020 {$1.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$10.00} XXXX XXXX  XX/XX/2020 {$14.00} XXXX XXXX  XX/XX/2020 {$5.00} XXXX  XX/XX/2020 {$5.00} XXXX XXXX  XX/XX/2020 {$10.00} XXXX XXXX  XX/XX/2020 {$10.00} XXXX XXXX   XX/XX/2020 {$10.00} XXXX XXXX  XX/XX/2020 {$36.00} XXXX XXXX  XX/XX/2020 {$5.00} XXXX XXXX  XX/XX/2020 {$10.00} XXXX XXXX  XX/XX/2020 {$10.00}
Product: Credit card or prepaid card

This account is being illegally reported on my credit report. On XX/XX/18 and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Product: Credit card or prepaid card

XX/XX/2017     Capital One was d eceitful in the mailer offer received I do not fill that the offer or cli provided was given with regard to my rights under the FCRA. To add further insult I feel I was treated poorly based on m y sexual orientati on and multiple times I was called a Ma'am during the call when I have applied a male -  XXXX  is not a female name -  XXXX  is ....
Product: Mortgage

I spoke to a rep of Wells Fargo whom was questioning me about my request for a settlement. Basically, he repeated the same things they have been saying Wells Fargo lost money too. I have been going on with this issue for years and have been complaining to the bureau for 3 long years. I thought at a certain point I lost my property. Many would have quit paying the mortgage. Not me, always loyal to them. I gave them their dues, but what about mine? As a customer, I have rights as well. They should make me feel important. Without customers, they don't have a business.

They told the bureau they need more time. I have heard that millions of times from them. Soon, I will take a picture of all the letters to postpone resolution of the case. I can not keep up with the mess. Most of them are thrown away. It is a lie. Who is going to help me against Wells Fargo? Someone needs to make them accountable for their mistakes towards me. It is wrong what they did to me, and they will not do anything until an established institution intervenes. That is why I keep on making complaints. Please, help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX is reporting two duplicate accounts to XXXX, Transunion, and XXXX. Both accounts are in chargeoff status. It is the SAME account reporting twice to ALL THREE bureaus, impacting my credit score in extremely injurious ways as my home purchasing process was stalled as a result of the erroneous entries.
Product: Money transfer, virtual currency, or money service

Chase is only in the business of making money and once you understand d that, you understand d that there's nothing or anyone who can actually expect any HONESTY from that bank. So I did a money transfer with my credit card and they never told me that the thirty day grace period would be eliminated. They NEVER told me. So I've been on the phone with these people on this issue for hours because they is the objective, to waste your time and put you through XXXX. So at the highest levels, XXXX XXXX talks with XXXX about making it the people 's bank, but in reality he has XXXX XXXX XXXX a year plus perks and you're shafted. That's the reality.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX Please update to the correct address XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX XXXX EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : XXXX XXXX XXXX - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX - XXXX XX/XX/XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/2017, Region Bank ( via XXXX XXXX XXXX now XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. Company name :  XXXX  - Date of Inquiry : XX/XX/XXXX Company name : XXXX - Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX - Date of Inquiry : XX/XX/XXXX Company name : XXXX - Date of Inquiry : XX/XX/XXXX Company name : XXXX  XXXX - Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX - Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX  - Date of Inquiry : XX/XX/XXXX Company name : XXXX - Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX - Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX Company name : XXXX  - Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Company name : XXXXXXXX XXXX XXXXXXXX - Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX  - Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed a security freeze request to Experian. 

Here is the : Tracking number XXXX Delivered XX/XX/XXXX, XXXX XXXX XXXX TX It shows that they have received it on XX/XX/2021. I am checking the report now and unlike the other two Credit reporting Agencies, that were sent the request the very same day as Experian, Experian failed to make the update of the information requested.
Product: Debt collection

The company said they mailed a copy of the debt but still havent received anything. I am asking for an address confirmation and if they can send the invoice another way. To date this is reported to my XXXX Credit Report. I have no copy of an invoice and asking RMG to send the invoice in another way to confirm I receive it.
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Navy FCU you furnished alleged transaction ( s ) on my XXXX, XXXX XXXX, and XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law!

I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

Do not reply to me stating that you are furnishing accurate information because we both know you are not. 

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.

You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction ( s ) you have listed as late : NAVY FCU ACCT # XXXX NAVY FCU ACCT # XXXX Without Recourse UCC 1-308
Product: Debt collection

ERC debt collection company is reporting this account to my credit report stating that spectrum has told me that I owe this debt. However this was a result of Identity Theft that has been tied to police report number XXXX in XXXX County Indiana. I have since completed the proper paperwork with spectrum for them to hand this account but I would like for this to be removed from my credit IMMEDIATELY!
Product: Debt collection

I spoke to XXXX XXXX this morning XXXX to inform them that I have been in bankruptcy case number XXXX since last year on or about XXXX XXXX and XXXX XXXX to harass me and now has Contract Collection XXXX and stated I was sorry we can not stop collections regardless you in bankruptcy and we can not get the negative reporting on your credit report and to ask Contract collections to take it off. 

I spoke to Contract Collections and they refuse to take the negative credit reporting off my credit report they said they will contact me to get this balance of {$350.00}, I explained to the representative ( XXXX ) I am in bankruptcy and you need to stop the harassment and take off the negative credit report of XXXX XX/XX/2024, she said she will not take it off regardless if I am in Bankruptcy. 

Please assist and contact XXXX XXXX and XXXX XXXX to stop the harassment and take off the negative reporting on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX OH ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I totaled a car purchased with a loan issued from Persian Acceptance Corporation of XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX. I was unable to pay the remainder of the loan at that time. 

On XX/XX/XXXX the loan was charged off. My financial circumstances have changed dramatically since then, and in XXXX of XXXX, I called them and arranged to pay the remainder of the debt. They told me they would update the credit bureaus ( they reported the loan to XXXX and XXXX ). 

They reported incorrect data to the credit bureaus. As of now, it states that I was 60 days late in XXXX of XXXX and that the debt was charged off in XXXX of XXXX. This is incorrect as the debt was charged off in XXXX of XXXX and I paid the outstanding balance in XXXX of XXXX. 

I have made frequent attempts at contacting the company itself and disputing the charge with both XXXX and XXXX. Per my understanding of the FCRA, this should be removed for incorrect information. Any help or advice would be appreciated. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 Bank of America XXXX XXXX XXXX XXXX XXXX, Texas XXXX Last 4 digits of ssn : XXXX To whom it may concern, Im writing this letter to dispute the following account : Account number ending in XXXX Balance : {$2400.00} I, XXXX XXXX has received proof from Bank of America that they have certified to XXXX that the following account ending XXXX is accurate and factual. According to 15 USC 1681a ( e ) investigation, it is clearly stated that such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Also pursuant to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card '' or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. This should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I feel like my Im being taken advantage of and being ignored of my disputes. I am demanding that you remove this transaction from my credit report immediately as this is a violation of my rights as a federally protected consumer under title 15 chapter 41 or I will file for litigation due to the stress you have caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional Finance Corp. after charging off an account it alleges belongs to me has continued for the past 3 years to Increase and report the total Balance @ {$2500.00}, by {$69.00} each month from XX/XX/XXXX to present. *They report no Actual Payment Amount, nor Scheduled Payment Amount listed on credit report ; My credit scores have been somewhat consistent for the past few months actually going up, even with charge off, however on XX/XX/XXXX there was a major drop of 32 points due to RMC Balance Increase on my credit report. RMC has financially strapped me via Charge Off, financially gain by write-off debt to IRS and again financially gained with loss via government Pandemic Reliefs. Not only is RMC reporting Account Balance information incorrect ( loan balance, payment amount ), but also Account status incorrect ( showing charged off account, but reporting late payments.