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

The account mentioned was an identity theft and doesn't belong to me, I contacted the issuer and they closed and needs to be removed form my credit report. Thanks
Product: Debt collection

I disputed the {$50.00} amount with XXXX and the representative verified that it would be waived as a one-time courtesy. Now, I am getting collection letters regarding the amount. You can see that I paid the original toll, as I was required to do so in the dispute. I am, however, still receiving bills for the {$50.00} that escalated to AllianceOne. I have sent correspondence via their online website and postal mail disputing the amount due in XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am writing you about the the misuse of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me.. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
1. 
XXXX XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXXXXXX XXXX  Account XXXX : XXXX XXXX. 
XXXX XXXXXXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XX/XX/2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''. ''
Product: Credit reporting or other personal consumer reports

My accounts 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/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the gu
idance 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 t
hat 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.

I have requested proof that this information was mailed or delivered 21 days 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!
Product: Credit card

XXXX   XXXX ,    2016,   XXXX   XXXX  credit card deducted  XXXX  allotments from my military retiree pay.  XXXX  in the amount of {$74.00} and  XXXX  in the amount of {$67.00}. AAFES applied the {$74.00} to my balance, but to date has not applied my {$67.00} payment. AAFES has ignored every attempt to correct this situation. I have sent them a certified letter with documentation, called them and even filed with The Better Business Bureau. AAFES has ignored my certified letter, the BBB complaint and my phone calls. If they had applied my {$67.00} my account would have possibly never been sent to collections. I want my {$67.00} plus interest applied to my account. And if the {$67.00} would have been applied I would not have been 3 months behind. I am still paying on this account, I do not intend to ignore my obligation. I contacted AAFES and let them know I was out of work  for 6 weeks  due to a broken ankle and that caused financial issues, but they did not care. That spiraled my delinquency.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

[ Describe the specific inaccuracies on your credit report. Include any incorrect transactions, erroneous account details, or other errors. ] According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Payday loan, title loan, personal loan, or advance loan

We had solar panels installed on our building in XXXX, WA. The company that installed it is XXXX. The representative for XXXX set up our loan with Service Finance Company LLC. 

The first payment I made was late, although my payment was made as soon as I got the statement. The late charge was about {$6.00}. Comparing the statement with the previous one, I saw that the principal amount had not changed at all, not even by XXXX XXXX  either way. This rang my alarm bell. Then, the following statements reliably arrived about two days prior to the due date. This virtually guaranteed that even if I send the payment on the same day I receive the bill, the USPS will be unable to deliver the funds in time to avoid a late payment charge. 

I checked the online reviews of this company. I noticed that several of them mentioned this problem. It looks to me like this company has a strategy in place to collect late fees every month, or at least frequently, from its customers, which will keep them having to make payments forever. This is a " company town '' model, where no one can get ahead. 

I tried to call the company, but I refuse to wait on the line for an indeterminate time. This, too, suggests that they don't want their customers to have access to them. I am working with my bank to send the funds about a week ahead, but I want people to know about this scheme and protect themselves.
Product: Credit card or prepaid card

On XX/XX/2022 I redeemed XXXX points for a statement credit in which I was supposed to receive within 4 days, I never received it. I called customer service 10 days later XXXX and they said it can take up to 10 days to be credited to my account, so I waited, still no credit. Next, I called customer service yesterday XX/XX/2022 and they said it would be credited on my payment due date, which is XX/XX/2022. Now that doesn't do me any good since I wanted it to be credited before my payment due date so I could pay off my account and keep it open. 
So, since they are playing games, I already messaged XXXX XXXX, which is covered by Comenity Bank, and asked them to close my account. And like wise I will also close this account, XXXX XXXX XXXX XXXX XXXX, in which I have had for XXXX years in great standing, once they credit it, and I pay off the remaining balance. 
Thank you very much and please stay safe. 
XXXX XXXX XXXX XXXX
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Im writing because this company refused to give cardholders their money back after theyve been scammed. They offer NO SECURITY LIKE OTHER BANKS DO. If youre a XXXX? Keep your bank. Pay extra for the moving of your funds. I was scammed by an apartment complex for {$200.00} based on false advertisement and predatory practices to rope in new tenants as a scam. This apartment complex refused to give me my money back after being called XXXX XXXX. And XXXX XXXX refuses to refund it as well. Although I offered to give them proof of the scam. Beware to NEVER USE XXXX XXXX! And if youre a XXXX? They have a class action lawsuit. Its actually disheartening that we must come to this. That we must actually go to these lengths to get our money. It makes you wonder how a company like XXXX continues to stay in business. It makes you feel as if they dont care about their drivers and their financial security.
Product: Student loan

My loan payments with AidVantage have been kicked back/reversed on multiple occasions and they are marking my payments as " late '' even though I tried to pay them. I have even received payment confirmations from them. I have never received notification that my payments did not go through. The payment reversals were found incidentally by myself. 
I have verified that my account/banking information is correct for these payments to process correctly. 
Customer service has not been helpful and their chat help boxes are immediately disabled. 
I do not want to accrue interest or late fees. And I do not want my credit score affected. 
Please advise. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Derogatory remarks from all three credit bureaus XXXX last payment date : XX/XX/XXXX Transunion last payment date : XX/XX/XXXX XXXX last payment date : ( sometime in XXXX of XXXX ) ( charged off in XXXX, XXXX, XXXX XXXX ) This is an issue for me because not only are the dates between all three credit bureaus different, but XXXX also has my account being charged off in three consecutive months.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX there was a letter sent to equifax asking them to verify what I believe to be incorrect information reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

print iconPrint Your Report Potentially Negative show XXXX  button XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc
Product: Mortgage

this is a follow up to this complaint XXXX we were never given the option to modify this loan. we were steered into a deed in lieu then were told that they would do a short sale and take care of all the liens on the property. they knew about the liens since XXXX of XXXX since that was when the initial title report was pulled. we were run around in circles and provided a short sale approval with XXXX liens. we assumed that the lender took care of this but to our dismay it was not. then we were told that once it got under contract that then the lender would work the liens out. i have correspondence going back to XX/XX/XXXX trying to work this out. if we could have modified this loan we would never have moved out but we were never given that option. we were told by the previous rep that it was all go ahead for the deed in lieu and we would be obtaining a deed in lieu. the current rep stated the the house was schedule to go to sheriffs sale on XX/XX/XXXX. we have n't had any correspondence with the lender since the buyer of the property withdrew. i dont understand how they could provide us a short sale approval with {$XXXX} in liens against the property when they knew for well over 8 months that liens were on the property and they stated they would work on them to get approval then turn around and say you cant get a deed in lieu due to liens.
Product: Debt collection

Miller and Steeno, P.C & XXXX XXXX XXXX your uncooperation is unacceptable and you are not above any law. You can't even answer me point by point. Everything you have said about me is all hearsay and I won't tolerate the harassment you have continued to show towards me. As I explained in the previous complaints I am not scared of you, and I will face you cowards head-on. I might add this is the most unprofessional law firm or " debt collectors '' whatever you call yourselves. Your client XXXX XXXX XXXX has many claims against them and many cases where they have lost because of the violations they have made. Not to mention Miller and Steeno , P.C . and its entities have lost many cases and is no stranger in violating the FDCPA. One example is Robin v. Miller & Steeno, P.C. I will make myself clear Miller and Stenno, P.C. you have violated the FDCPA, CFR, and ABA rules. Just so you remember I will quote a harrasing false and misleading statement you made about me on public record " XXXX XXXX is merely attempting to engage the CFPB in an effort to avoid paying his debts. '' So let me tell you what you have violated here 12 CFR 1006.14 ( a ) ,15 U.S. Code 1692e,15 U.S. Code 1692d, and ABA Rule 7.1 ( 4 ). Not only that you have committed defamation. Again to make myself clear I will take further action to protect my rights if my demands are not met. In the event that you resort to legal action, know this : I will demand thorough information during the discovery process. I will pursue this matter relentlessly, fighting to the ends of the earth to protect my rights. I demand that you close this account within your offices, I demand to see XXXX XXXX XXXX 's XXXX BAR License Number and XXXX XXXXXXXX XXXX license, I demand that you cease all collection activity, and stop any further harassment. Failure to comply will hold you responsible for the violations you have committed, and I will not hesitate to seek legal counsel to protect my rights. You will not extract a XXXX XXXXXXXX from me, especially over an alleged debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$160.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$330.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$15000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX LLC ) XXXX Balance XXXX {$300.00} XXXX XXXX XXXX Balance : {$7000.00} ; XXXX  XXXX  XX/XX/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 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/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a bankruptcy that was on my credit report. XXXX  could not verify, so XXXX  deleted from my credit report. Equifax and XXXX   has not deleted this inaccurate, outdated information that is unverifiable. They only sent me a electronic admission stating it was verified, not wet signature verified, no info verified with the courthouse in which it was showing on my credit report, the court house said they specifically will not and do not share information to 3rd parties, or to any parties. I ask for this bankruptcy to be deleted from Equifax and XXXX. Started the dispute XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

HELP!!!!! My personal information has been played with so many times. Either the same person, or many others have access to my personal info. THIS IS ABSOLUTLY CRAZY. I NEED SOMEBODY TO FIX THIS ASAP!!! Im a simple person, living a simple life. I work hard for the little things I have. People taking peoples personal information and hurting peoples lives!! These accounts are not mines and I want the person locked up and then locked up again!. If you didnt call me to verify the accounts when they were being opened up. Then the accounts are not mines because I dont know anything about the accounts below!! 
I am a victim of identity theft, and I did not make these charges. Enclosed is a copy of my Identity Theft Report Case # XXXX supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILIENCE, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

In accordance with the Fair Credit Reporting Act XXXX. The below accounts has violated my right.15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please I need help .... there is a DISMISSED BANKRUPTCY in the PUBLIC RECORDS section of my credit report that did NOT happen. I filed for bankruptcy in 2016 but changed my mind and worked everything out with my creditors BEFORE it went to court, so there is nothing to dismiss. I paid all my bills by myself without the help of the bankruptcy court but I'm being punished. I worked hard to do the right thing and this is not right, it's effecting my ability to get a good mortgage rate. I have filed a dispute with all 3 credit bureaus multiple times and get the same " verified '' response everytime. I know they didn't verify it though US BANKRUPTCY COURT where I live because they don't report to the credit bureaus and if they did they would of been told that I withdraw before the case went to court. Equifax, XXXX, & XXXX are tarnishing my credit and I respectfully ask that this be removed from my credit report as per the fair credit reporting act. Thank you for your time.