23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I would like the CFPB look into my claim # XXXX against XXXX default services, Because their refusal or ignore to validated my DEBT VALIDATION LETTER it got sent out by certified mail with copy receipt # XXXX. 
Instead to comply with my request, they still want to go ahead with its illegal and criminal act. They sent me another document postponing the Foreclosure Sale date from XXXX XXXX 2016 to XXXX XXXX 2016.This company clearly its violating my consumer right XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute attempted but Credit Agency ( Equifax ) still continues to report bankruptcy account incorrectly as ( late payment ) when account ( XXXX ) should only be listed/reported as regular account - for seven years from the date of bankruptcy coded as " discharged/included in bankruptcy/paid never late '' in the comments.

Equifax has failed to produce payment history for this account to substantiate any late payment because there was none. Grouping bankruptcy accounts with late payments is not only inaccurate but outright wrong! Especially when no history of late payments exists. This has ruined my financial standing on top of the already endured scarlet letter I carry from the initial bankruptcy. 
According to the FCRA : Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
The information reflected on my credit report is not only incomplete and unverifiable but extremely inaccurate! I have NEVER missed a payment and was current on all accounts to the very day I filed for Chapter XXXX bankruptcy in XXXX of 2015. 
Failure to remove this account from the grouping of the late payment category is a direct violation of my rights under the FCRA as it is inaccurate, incomplete, and unverifiable. I served this country for 14 years to protect the rights of the American people and I damn sure did it to protect my own rights and freedoms.

I will no longer sit and be trapped financially because of a credit agency 's incompetency and failure to comply with Federal regulations. There should be a separation and distinction between actual late payments with bankruptcy and those who only have a bankruptcy discharge.
Product: Debt collection

Bankruptcy, XXXX  XXXX, was filed in XX/XX/XXXX and discharged. A collection agency ; Professional Finance Company , Inc. sent me a collection letter dated XX/XX/XXXX, pertaining to medical debts prior to the bankruptcy. The bankruptcy is public record, the collection agency should have vetted the account prior to sending out a demand for payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting and billing practices associated with my auto loan with XXXX XXXX, account number XXXX. I have disputed this account for accuracy with the company and credit bureau XXXX XXXX this year with correspondence of dispute being XX/XX/XXXX, XX/XX/XXXX, and the latest being in XXXX of XXXX. This has caused me to feel oppressed with my correspondence with the company and the inaccuracies creating consent XXXX and anxiety on my credit report, according to the FDCPA section 806 ( 15 U.S.C. 1692d ). I have waited and went the waiting periods for a fair investigation and have not been granted it continuously since XXXX and now in XXXX. Now these inaccuracies will need to be immediately deleted. I have reviewed the recent statements and the way the payment history has been reported, and I believe there are several violations of the Fair Credit Billing Act, particularly 15 U.S. Code 1666b, which governs the timing of billing statements and related late payment reports.

Specifically, I am raising the following issues : 1. Failure to Send Billing Statements 21 Days Before the Due Date : According to 15 U.S. Code 1666b, billing statements must be sent at least 21 days before the due date. However, I did not receive my billing statements for the month of XXXX ( and previous months ) in time to allow for a full XXXX notice before the payment due date of the XXXX. This failure to comply with the statutory requirement has caused confusion regarding payment deadlines. These statements have not been sent to my address and also the emails are sent late for the billing not on said dates on letter dates. 
XXXX. Incorrect Reporting of a Late Payment for XXXX Prior to the Due Date : I have noticed that my XXXX payment was reported as late before the XXXX of the month, which is the actual due date according to my loan agreement. I find it troubling that a payment was marked as " late '' before the due date, which is not only misleading but also violates the terms of proper payment reporting. Payments can not be considered late until after the due date has passed, and therefore, XXXX payment should not have been marked as late before the XXXX. I fear this is something that has been going on monthly, all lates should be deleted or account most be deleted for inaccuracy. 
XXXX. Incorrect Late Payment Status on Prior Payments : Additionally, I have made required payments on or before the XXXX of each month. It is my understanding that any payments made by the due date should not be classified as late. Given that I have submitted payments on or before the XXXX, I dispute the claim that I am XXXX days late on my account. The payments has been misreported or misapplied, delete immediately. 
Included are payments and emails when bill was sent to email and none to address on file. Also, payments extensions that were directed to end of contract in XXXX was sent prior to credit bureaus to show payments were accepted but nothing was changed. 
Please delete lates immediately, I have waited beyond several times this year for a fair investigation.
Product: Credit reporting or other personal consumer reports

Experian Fraud Division Special Handling XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XX/XX/XXXX Dear Experian Fraud Department, I am writing to dispute fraudulent accounts and inquiries on my credit report. I have already filed complaints with the FTC and CFPB regarding this matter, and I request the immediate removal of the fraudulent information outlined below. 

Legal Basis for Removal : Under 15 U.S.C. 1681c-2, as a victim of identity theft, I am entitled to have inaccurate and unauthorized information removed from my credit report. 

FTC Complaint # : XXXX CFPB Complaint # : [ Insert Number ] Fraudulent Collection : Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Collection account with {$510.00} past due as of XX/XX/XXXX. 


Fraudulent Inquiries : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXXL Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXXN Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Removal Date 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 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  Please address these issues promptly. 

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

As a victim of identity theft, I have been forced to endure significant hardships, both financially and emotionally, due to the actions of my ex-wife, who maliciously stole my identity and used it to open unauthorized accounts, make fraudulent transactions, and tarnish my credit history. I reported these fraudulent activities to your bureau on XX/XX/XXXX  and provided all the necessary documentation to prove my innocence and the criminal nature of her actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. XXXX  XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX. Please remove these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to formally update a bankruptcy XXXX  XXXX entry on my credit report that was filed under my Social Security Number XXXX. I have recently obtained a copy of my credit report, and I was surprised to find this entry under my name.

According to Section 623 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), if a credit reporting agency can not validate the information they have on file, they are required to remove such information from the consumers credit report. The United States Bankruptcy Courts do not report bankruptcy filings directly to credit bureaus. It is important to note that federal law protects the privacy of most personally identifiable information related to bankruptcy proceedings. Although the Bankruptcy Court is a public record, it does not verify or directly provide this information to credit bureaus.

Credit bureaus, instead, gather this information from third-party research sources. Given that your agency has obtained this information through such channels, I formally request that you validate this entry. Please provide me with copies of any and all documentation regarding this bankruptcy that
associates my name and/or signature with the reported filing.XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INACCURATE NAME : XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX INQUIRES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Prepaid card

XXXX has scammed me via a laundry list of fees that have racked up over {$30.00} in two days. I got my first Direct Deposit over {$500.00} on XXXX/XXXX/2016, and I received a text stating that I was upgraded to a Premier status. I already knew this was a benefit that Netspend offered, so I proceeded to use my card to pay bills and do things I needed to do for my family. 

Tonight I looked over my charges because I was short and could n't figure out why. I have various fees for everytime I used that card until I last used it a few days after my DD. I counted over {$30.00} in fees in TWO DAYS ; which is OUTRAGEOUS and something I would 've never paid seeing as I just recovered from a car accident that left me UNEMPLOYED for almost two months. 
I called their " customer service '' line tonight, and after arguing with the rep and him trying to tell me that I " misinterpreted '' the text I got, I asked for a supervisor, and after waiting on hold for that " supervisor '' for almost 10 minutes, He ( name was XXXX ), pretended not to hear me, when I KNOW he could, and hung up on me.
Product: Checking or savings account

My wifes family sent an inheritance of {$45000.00} in XXXX checks, which i deposited on XXXX at the time of deposit I had XXXX dollars in the account. A hold was put on the checks until XX/XX/XXXX, the bank immediately cashed the checks ( verified by the bank that wrote the checks ) and then froze my accounts. After contacting them on monday XX/XX/XXXX forms were requested to be brought to the bank showing POA for the accounts executer. I gave the employee at the bank the paperwork which was scanned into their XXXX system XXXX, uploaded XXXX  on XXXX and XXXX  on XXXX by XXXX a customer service rep at the XXXX XXXX XXXX location. On XXXX The next day the fraud dept said that it hadn't come through the XXXX  system yet and it would take another day. On XXXX my first of many calls with the fraud dept of chase bank they stated that the XXXX  system didn't have my items so i delivered them to XXXX at the chase bank on XXXX XXXX XXXX she scanned them again. Again on XXXX I spoke with another chase fraud dept person who stated it would take XXXX  days for the upload to be available, when i asked for a supervisor I was hung up on. When I called back and I finally got a supervisor I was hung up on again. Upon my XXXX  attempt I spoke with a very rude female supervisor who said that the paperwork had come through but something about the XXXX  signature on something, I asked her to call and verify the checks with the other bank or with the maker of the checks but she refused to do so and ended the call due to me being upset ( I was not cursing or abusing her in any way, I was talking over her and she didn't like that at all ). On my next call which was XXXX minutes later I spoke with a supervisor named XXXX who asked for my address and informed me that my accounts are now going to be closed and a check will be sent with whatever remainder there was in my account in XXXX days. when i asked XXXX what that amount would be he said it would take XXXX days to figure that out, so now I get to call them everyday again until I find out what they think that total is going to be maybe that I should get sometime in the future by mail.
Product: Mortgage

They purchased my loan transferred for XXXX. I needed the account information to make a payment. They mailed the letter on XX/XX/XXXX, I received it on XX/XX/XXXX in my mailbox and immediately made the XX/XX/XXXX due date payment. Since, they've applied all my payments ( XXXX, XXXX, XXXX ) to the principal instead of the interest. I also noticed they attempted to charge me at a higher interest rate than was contracted. This has since been corrected through my many calls. Still, the payments are not processed correctly and now they are harassing me with debt calls and letters as though I have not made payments. Based on their history this is not the first time this lender has conducted in this manner and trying to charge me at a higher interest rate, and continuously requesting more money despite making payments is fraud.
Product: Credit reporting or other personal consumer reports

I am bewildered by the sluggish pace of your investigation, particularly when other credit bureaus have promptly resolved similar disputes. As a victim of inaccurate reporting, I have diligently followed the appropriate channels to rectify the situation. However, despite my persistent efforts, the inaccurate information persists on my credit report. I am entitled to have accurate and current information on my credit report. The delays in the investigation process are exacerbating the harm to my financial well-being and mental health. 

Regarding the accounts with identifiers are the following : XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX.
Product: Credit card

I purchased a XXXX oz bottle of XXXX XXXX for {$6.00} on XX/XX/XXXX. When I received my next statement from XXXX I noticed a charge for {$120.00} from XXXX XXXX  on XX/XX/XXXX. I did not recognize the company or the charge so I contacted XXXX and disputed the charge. They disapproved the dispute so I contacted them about it and they said the company stated I approved a trial subscription and that I did not cancel it and was charged {$120.00} for the monthly subscription. I told them I NEVER saw or read anything about a subscription and if I did I would never approve it for that amount! Plus I was charged the {$120.00} only 7 days after I made the initial purchase of {$6.00} and it was to another company and I never received another bottle. She sent me to the fraud unit and I gave all the details again. I received a letter on XX/XX/XXXX stating it was disapproved again. I started looking online for complaints on this company and found many. This company is a scam. XXXX is giving me no other recourse. I asked for evidence from XXXX XXXX to support their claim. All they said they received was a screenshot of the tracking where I received the trial bottle. I havent received the evidence yet. There is no proof there was wording stating they were going to charge {$120.00} a month. XXXX is encouraging the scam companies by making a decision based on a screenshot of delivery and not taking into account all the evidence I provided on complaints from others on the exact issue. There was no investigation done by XXXX. Victims have NO rights anymore. Attached are documents from XXXX complaints on this companies scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX data breach and Equifax XXXX XXXX sending out fake letters that the fib stopped the data breach can they say that without a reasonable doubt why? DATA breach is a DATA breach how do you know the FTC violation that it will cause or already caused no one knows get it fixed
Product: Student loan

2015 federal loans were taken in out my name from XXXX XXXX college, 2 loans totaling {$3500.00} with taxes, fees and interest. I never received any money or loans from this institute or school. Contacted XXXX XXXX, XXXX, MI and customer service ( which has my SSN # ) about the fraud. I sent in affidavits to verify theft and have it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 or other personal consumer reports

my name is XXXX XXXX I'm the account owner of XXXX XXXX  on my credit report it's listed as XXXX XXXX and the now closed account number is XXXX this account is being listed as having unverified late payments. I have never been late on this account. Im requesting for deletion of all late payments listed on this account being that it is a violation of 15 USC 1666B.
Product: Debt collection

On XXXX XXXX, a lady named XXXX XXXX working for Navy Federal Credit union, had my car illegally repossessed. I say illegally because I missed my payment which is due on the XXXX of each month, on XXXX XXXX i missed my payment becauseofan emergency. On XXXX XXXX I made my full payment. I missed my payment on XX/XX/XXXX. I learned that I would receive my XXXX payment on XX/XX/XXXX and I would pay for XXXX and XXXX on XX/XX/XXXX. Only on the morning of XXXX XXXX XXXX XXXX had my car repossessed. XXXX XXXX charged me XXXX for information about where my car was. That XXXX did not go towards ANY part of my car payment, which is XXXX per month. And at the time i only owed her XXXX because she came through my checking account and took the XXXX dollars that was in there. The company, XXXX XXXX XXXX XXXX, located in XXXX, Louisiana, charged me XXXX to get my car back and downright refused to give me a receipt for it. I had to comply because now it's XX/XX/XXXX. It was a weekend followed by XXXX XXXX day, which meant a lot more in fees. I called Navy Federal Credit union sometime this month to find out how to pay this debt off only to find out that the debt is about XXXX dollars more than I started with. The operation is so secretive and so underhanded until it's scary. I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/AMEAGL Account # : XXXX Called into Syncb today, XX/XX/2021 around XXXX and spoke with XXXX XXXX customer services at XXXX. XXXX was great, he isn't the issue. 

The issue here is the above account is still being reported even though its past its 7 years on the bureaus. Furthermore, XXXX was not able to find an existing account with the above info, nor was he able to find the account with my SS number. So, I ask why still report this info? Its current! It not late. There is no money being owed. 

Please simply delete this information via XXXX and XXXX  through your online portal. 

Thank you
Product: Debt collection

Ive already contacted the creditor and updated my information they do not have that information on file can you please remove it in accordance with the Fair Credit Reporting Act, 15 USC Section 1681i. 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 15 USC 1681b states this, this account shows charged off for the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.