23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern I have sent Multiple Inquiry removal letter on XX/XX/2017 and XX/XX/2017 via Certified mail to Equifax, XXXX and XXXX. The request I submitted included information on 45 inquiries ( XXXX ) 49 ( XXXX ) and 25 ( Equifax ) Inquiries that were all not factual and I received the same response for all inquiries which was 'Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor ''. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigated and respond the CRA must delete the disputed information from its file. I also disputed accounts that are unverified and inaccurate but are still being reported to my file. I plan on purchasing a home in the near future and I fell the actions that are being taken regarding my disputes are an unfair practice by a credit reporting agency for the credit worthiness of a consumer.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XX/XX/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 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 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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

For the second time, Mr. XXXX XXXX has engaged PayPal to attempt to collect on a debt for which I do not owe but rather for which the said company found in, '' My favor '' back on XX/XX/2018 ( XXXX ) in the amount of {$610.00}. To wit, Mr. XXXX could not accept that decision and now is trying to collect on the same amount for reasons of " faulty merchandise '' to which he did not think of until three months after his " consumption '' of the a XXXX stay in XX/XX/2018. This is a bogus claim and needs to be dismissed as it is creating a HOSTILE AND ANTAGONISTIC situation for my business operation. In essence, Mr. XXXX is trying to impede my use of PayPal as method of payment with this bogus claim.
Product: Debt collection

I canceled my checking account ( XXXX ) with Key Bank, and system problems at Key generated numerous checks to myself and my wife, even though the account had been closed. I returned the checks, spoke with two bank managers in an attempt to stop the printing of any further checks. After two bank managers assured me that the problem had been resolved, and all NSF charges had been reversed, I thought the matter was settled. 
About a year afterwards, I received a notice from XXXX on XX/XX/XXXX that indicated I owed {$160.00}, a delinquent collection notice. This was the first such notice. 
Key Bank has agreed to pay the delinquency, but as of XX/XX/XXXX, I do n't see that they have paid the {$160.00}, nor have they recompensed me for the drop in my FICO score, caused by their errors. 
It seems strange a closed account could generate the problems precipitated by IT problems at Key Bank.
Product: Debt collection

i have disputed this account several times. On XXXX XXXX I checked my consumer report and noticed the company Frontline AS these inaccuracies of false reporting. ihave an account from frontline for an alleged debt of XXXX sent certified mail requesting validation of this debt. also i am requesting validation again .these remarks on my consumer report have cause actual damages as well as statutory damages. due to voilations of the fdcpa
Product: Payday loan, title loan, or personal loan

filled out my information for a loan to consolidate my bills. received loan agreement to sign via e-sign. upon review they are trying to charge {$2300.00} on {$350.00} loan. that an apr of 700 %. if i hadnt been diligent about reading the loan documents i probably would be getting wallet XXXX right now.
Product: Checking or savings account

In XX/XX/XXXX, a e-checking account, Membership savings account, and credit card account were fraudulently opened under my identity through Navy Federal Credit Union. I was informed about this because Navy Federal Credit Union ( NFCU ) sent several items through the mail to my physical address, even though I did not open an account. I called them, and they closed the account and froze my social security number. However, in XX/XX/XXXX, a separate credit union attempted to open a new account under my name. Starting at this point, I started to do research, and I read about my rights under the Fair Credit Reporting Act ( FCRA ) section 609 ( e ). Specifically, that I have a right to access any business documents related to these fraudulent accounts under my name. In XX/XX/XXXX, I wrote a letter to NFCU, requesting any and all business documents. I provided them with a copy of my WI issued driver 's license, the police report detailing the identity theft, and the Identity Theft report taken from the FTC 's webpage. This letter was delivered on XX/XX/XXXX. The FCRA gives 30 days to comply with the request. As of XX/XX/XXXX, I have not received any documents, and the only time I get an answer is when I call them. They have informed me that they require a subpoena to release the documents. Via phone calls I initiated, NFCU stated that the application was done over the phone, so they can't release the application, or that the business records are owned by NFCU, and a subpoena is required to access them. However, the FTC 's stance on the FCRA is that a subpoena can't be required of an identity theft victim to access business documents related to fraudulent accounts created under their name. I have shared documentation with NFCU on the language of FCRA, and FTC 's stance. I have also shared with NFCU their own documentation taken from NFCU 's website regarding supplying documents to victims of identity theft with business documents within 30 days.
Product: Debt collection

I was never told by American Express that upon settling i would receive a 1099C that would affect my taxes. 

I looked up and it say BY LAW it is supposed to be in my mailbox no later than XX/XX/XXXX. It was in my mailbox on XX/XX/XXXX. I AM DISPUTING THIS AND WANT THIS VOID BECAUSE THEY BROKE THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated everything was accurate and I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough investigation. There is inconsistencies between the three credit bureaus ( XXXX, XXXX, Equifax ) on the opening date of my accounts. 

DEPARTMENT OF EDUCATION - ACCT # XXXX BALANCE - {$5000.00} DEPARTMENT OF EDUCATION- ACCT # XXXX BALANCE - {$3100.00} And accordance with The Fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602a States I have the right to privacy 15 U.S.C 1681 section 604a section 2. It also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XX/XX/year> DEBT VALIDATION AND CEASE AND DESIST IC SYSTEMS , INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX RE : XXXX XXXX and XXXX Dear IC Systems, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement SIGNED with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under XXXX USC XXXX ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error XXXX XXXX USC XXXX and must be resolved immediately. 

Account Name : XXXX XXXX XXXX XXXX XXXX - Opened on XXXX XXXX XXXX Account Name : XXXX XXXX XXXX- Opened on XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX - Opened on XXXX XXXX XXXX XXXX
Product: Mortgage

I been getting calls for a month from Loan Depot after asking them to stop calling my house more then five times. They keep saying they will put me on the do not call list but the calls keep coming.
Product: Checking or savings account

When I opened my checking account with Bank of America including XXXX cards, XXXX debit card and XXXX credit card. I have XXXX accounts : XXXX is the XXXX XXXX banking account while the other is the XXXX XXXX account. 

I had accumulated quite lot of savings from the beginning XXXX  of dollars. 

The BOA branch associate promised me that I will receive free credit report within 6 months of my opening of the accounts but that never happened. 

To make things worse, I have not received any credit reports in the last XXXX years. 

Having contacted BOA many times, their customer care department still refused to take any tangible actions to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX applied for finance on XXXX XXXX from MBFS.com. 
As part of approval - I had to submit an autopay form - with all my details - and a cancelled check. 
The lease was approved and I got my vehicle. 
Early XXXX I got notification that my credit score dropped with 85 points because I was 3  months in arrears with MBFS.com When I contacted them - they apologized - the NEVER loaded the autopay. I did not realize that the autopay was not collected. 
I paid immediately for all arrears - and asked that they remove the remarks from my credit score ( AS I SUBMITTED MY AUTOPAY DETAILS - AND THEY DID NOT ATTEMPT ONCE TO COLLECT IT ). 
They are impossible to work with. They can not send me any information - or instructions on how to solve this. They are not willing to help. 
I can not believe that THEIR MISTAKE is costing me. They need to solve this immediately.
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX XXXX has continuously ignored my multiple attempts of having them provide me with proof that this debt belongs to me. Right now they are obstructing my home loan from being approved and they failed to respond to my request in the time they were supposed to respond. I sent them a debt validation and heard nothing then I sent a failure to respond notice as well and they do not care. Please help me in getting this removed from my report as it must be fraud or something I never have done business with this company nor the company they represent thanks!
Product: Credit reporting

This is the 3rd complaint that I have made to you against Experian and now I 'm getting really upset because no one is helping me. These XXXX accounts listed on my credit file are the result of identity theft and my entire identity was stolen to the point that I had to go to a federal location to clear my name! I called and asked why these XXXX accounts were not removed and was told that it is because they did not receive the official police report and I have sent that to them 3 times now to no avail. I need for these XXXX accounts to be removed immediately. 
In XXXX V XXXX XXXX, Congress states that the burden is on the credit bureaus and creditors to prove the accuracy of the accounts and not on me and yet I 'm receiving letter after letter from Experian stating that these have been verified and that they will not dispute this again. Where 's the signed contract with MY signature? Where 's the proof that shows which IP address was used to apply for this account? I know for a fact that it was n't mine! I did not open this account, apply for it, authorize it or have any knowledge of it and it must be removed immediately. The bureaus are required to report ACCURATE AND COMPLETE information and it takes over a year to prove that they are being willfully negligent? 
These are the accounts that I am disputing : These XXXX accounts are the result of identity theft and must be removed immediately pursuant to section 605B immediately and permanently cleared from my credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX al XXXX Creditor Experian I just got my report and I think it's wrong! I was told I have a right to have an investigation done. I credit reporting laws ensure, that bureaus report only XXXX XXXX accurate credit information.every step must be taken to assure the information reported is completely accurate and correct.the following information, therefore, needs to be reinvestigated. Please make sure everything pertaining to my credit report is correct.also they charge my account with the same inquiry twice. 

Please provide me with the following items payoff disclosures interest rare disclosures balance history payment history credit insurance Creditor. XXXX XXXX XXXX  Account # XXXX XXXX {$1300.00}
Product: Credit reporting or other personal consumer reports

I haven't been able to get my credit report with XXXX and Equifax for a while and at the same time they keep reporting inaccurate information and misleading data. I tried to dispute those accounts online but they denied my access so I can't dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on both my XXXX and Experian. This account is fraudulent due to it saying on XXXX I made payment on XX/XX/XXXX, which I never made payment to a fraudulent account. On Experian is stating different which both is fraudulent. This need to be removed immediately. Its no way I open an account on XX/XX/XXXX and this never appeared on my credit report during the year of XXXX. This account is fraudulent many ways and need to be resolved. I filed a FTC reference # XXXX
Product: Credit reporting or other personal consumer reports

No knowledge of the ear accounts reporting only on my Experian credit report. After a long rebuttal they are still refusing to remove accounts that are not mine. By law this is required. They are causing me a significant amount of loss, pain and suffering having to take time to fix what someone else messed up, also to prove my point. This billing error needs to be corrected immediately.

15 U.S.C 1666 I have called and have written to EXPERIAN on multiple occasions related to disputes, unrecognized, and unauthorized accounts and inquiries listed only on that one credit report. The refuse to remove them and continue to tell me they will remain! Why. When I do not recognize them! II Have no received any services or products from the following which indicate they are Inquiries ONLY LISTED ON EXPERIAN XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX. XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX. XXXX XXXX XXXX  You applied for a credit card on XX/XX/XXXX XXXX. XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX. XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting XXXX XXXX  correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX XXXX  FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX  FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX  FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX  FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

TD Bank USA ( Target Credit Card ) charged me a {$28.00} late payment fee on XX/XX/XXXX and a {$29.00} late payment fee on XX/XX/XXXX. The creditor failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$57.00} for the late fees and credit me for any interest accrued due to those late fees. If TD Bank  USA ( Target Credit Card ) disagrees with this, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with USPS, XXXX, XXXX, or a certified mail receipt. Thank you.
Product: Mortgage

Im out of the country and for some reason PHH website does not allow me to login from another country. I cant call them on the phone because I dont have a phone that I can call to the United States XXXX 
I have sent a dozen emails in the last three days trying to get my billpay set up on my new checking account with XXXX XXXX. I dont have the actual account number as everything has been done automatically for years. I have already closed. My XXXX account. PHH is making this impossible for me to send them payment. I can not pay them with a check because I dont know my account number and even if I did have a check, I wouldnt send it from another country. This is insane.!!!!
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute regarding inaccurate and unverifiable information on my credit report. Despite multiple attempts to address this matter, Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations. 
The disputed accounts ) include : Account Number - XXXX Account Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA XXXX5B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unverifiable information blocked from my credit report upon providing proper notice. Additionally, the CFPB has documented Experian 's systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 
I have attached supporting documentation to substantiate my claim, including, police report, identity theft affidavit, account statements, previous dispute correspondence, etc.
Product: Debt collection

they keep collecting on a debt that is not mind i never rented a car from the dealer is all fruad i wrote to them told them i disputed this debt and there still refusing to send me proof they claim that they have an invoice which is not mind i never signed anyting with these people
Product: Credit reporting or other personal consumer reports

Equifax is refusing to do a full investigation When I request a Dispute on fair collection out sourcing for the fraudulent amount {$4600.00} the next date the results still the same each time I dispute it I don't owe the fair collection and out sourcing anything I have not did anything business withe this company I have also ask for validation. With my full name 2.the amount transaction description.3. date and time 4. My full signature with the date all on one transaction. That {$4600.00} is a fraudulent I don't owe that.
Product: Debt collection

Debt not mine, does n't belong to me, no contract with company, is n't licensed in sc