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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy XXXX XXXX-dismissed Reference # XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Product: Mortgage

After multiple attempts over a long. The company finally provided the annual escrow account disclosure statement and reconciliation statement. Revealing payments registered on statements being paid to real estate taxing authority county were not paid. Evidence is attached showing the statement that real estate taxes were paid however the county payment history ledger shows they were not. There is a balanced due as a result of our complaint. 

Request : We have requested multiple times for the year-to-pay off date escrow statement of XXXX, and annual escrow account disclosure statements for XXXX and XXXX. No response or obfuscation hoping we would give up. 
The demand is an immediate refund of unaccounted escrow funds, plus any interest or fees due, as there appears to be a balance due to XXXX XXXX of {$12000.00} Evidence Provided : XXXX. Document # XXXX : Community Loan Servicing Annual escrow account disclosure statement showing a balance of {$9900.00} as of XX/XX/XXXX, and taxes of {$9700.00} paid in XX/XX/XXXX by Bayview/Community Loan Servicing , leaving a balance of {$2300.00}. 
XXXX. Document # XXXX : Screenshot from XXXX XXXX, Kansas, showing the last payment from the escrow account by Bayview/Community Loan Servicing was on XX/XX/XXXX, for {$11000.00} for the tax year XXXX first half. The payment described in Document # XXXX on the second page of {$9700.00} dated XX/XX/XXXX was not received by XXXX XXXX in XXXX or XX/XX/XXXX. 
XXXX. Document # XXXX : Delinquent tax reminder indicating Bayview/Community Loan Servicing failed to pay the scheduled and accrued funds from the escrow account as agreed. 
XXXX. Document # XXXX : Payment receipt for taxes paid by XXXX XXXX on XX/XX/XXXX, for {$11000.00}. 
Conclusion : Community Loan Servicing documents show a balance due to XXXX XXXX of {$12000.00}. The payments itemized in the escrow documents were not distributed per agreement. The county records prove no receipt of payment. 
Your immediate attention to this matter is requested. 
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

There are two issues I am concerned about. First, the credit report I received by mail includes the following : " Personal statements you've asked us to include : You've given us the following statement to include every time a company asks us for your credit report : 'FILE FROZEN DUE TO FEDERAL LEGISLATION. ' '' This is untrue. In fact, I requested that the credit freeze I initiated be lifted. Experian agreed to do that. 
Second, I can not log into my account because Experian has no record of my name and social security number.
Product: Credit reporting or other personal consumer reports

This communication serves as a formal demand for immediate corrective action regarding the egregious inaccuracies, inconsistencies, and outright violations of Metro 2 reporting standards on my consumer report. The deliberate and reckless handling of my data by [ XXXX, XXXX, TransUnion ] not only violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( B ) but also demonstrates gross negligence in adhering to Metro 2 guidelines as mandated by the Consumer Data Industry Association ( CDIA ).

Legal Violations and Evidence of Noncompliance I have meticulously analyzed the accounts below and have uncovered multiple, undeniable violations of federal law and Metro 2 compliance standards. Your failure to adhere to these obligations is unacceptable and must be addressed immediately : 1. Account Name : XXXX XXXXXXXX XXXX ( Account # XXXX ) o Late Payment Reporting : The dates of late payments are inconsistent across all three bureaus, violating Metro 2 Section 620 guidelines for uniformity.

o Account Status Conflict : Reporting the account as " current '' while simultaneously showing delinquency is contradictory and noncompliant with FCRA 623 ( a ) ( 1 ).

o High Balance Discrepancy : The reported high balance varies across bureaus, undermining the accuracy and reliability of this data.

o Dispute Comments : Your records indicate that a dispute was resolved, yet the reporting is incomplete and lacks clarity, violating FCRA 611 ( a ). 
2. Account Name : XXXX XXXX ( Account # XXXX ) o High Balance Variance : The reported high balance differs significantly among bureaus, violating uniformity requirements. 
o Date Opened : Inconsistent reporting of the account opening date across bureaus is a blatant failure of Metro 2 compliance. 
o Payment Frequency Missing : Inadequate reporting of payment frequency violates Section 620 of Metro 2 for incomplete data. 
XXXX. Account Name : XXXX XXXX ( Account # XXXX XXXX XXXX Date Closed Discrepancy : The " date closed '' field is inconsistent, undermining data accuracy as required by FCRA 623 ( a ) ( 1 ). 
o Account Type Variance : The account type is inconsistently listed, further violating uniform reporting standards.

o Payment Status Conflict : Reporting " paid '' while maintaining delinquency comments is contradictory and noncompliant.
Product: Credit reporting or other personal consumer reports

There is a public record on my XXXX, XXXX and XXXX credit reports along with other credit reporting services. When I try to dispute the public record which shows a bankruptcy, I am told they are getting the information from Lexis Nexis. I requested that Lexis Nexis, XXXX, XXXX and XXXX validate this debt and none responded to my letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> LexisNexis XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I sent a dispute in writing to capital on XX/XX/2022, and the denied my dispute. I am asking for them to reconsider my original claim. After I contacted the fraud department several times over the phone regarding this issue. 

On XX/XX/2022, I went to XXXX XXXX XXXX XXXX ( XXXX XXXX ) I was in my business trip and I need to get a car battery charged. I was told by the employee it was {$40000.00} XXXX XXXX roughly {$10.00} USD. After the service, they ran my card and when they gave me the receipt, I saw the {$350000.00} pesos that they charged me. I said to them that they over charged me. The cashier laughed and said that was the credit card price. I began to argue, as they had just told me prior to ringing the transaction the original price. The cashier then yelled to the back of the store, and several other employees came out and all walked up very too close to me and said thats the credit price. I was afraid to argue any further and I left. I contacted Capital One and advise the situation on XX/XX/2022, and a follow-up call on the XXXX. On XX/XX/2022, my dispute was rejected.
Product: Mortgage

My mortgage on my primary residence with Mr. Cooper ( Nationstar ) has been in pandemic-related forbearance since I lost my job in XX/XX/XXXX. I agreed to a loan modification in XX/XX/XXXX, but they have not sent loan modification documents. I keep calling them, but all they tell me is that it is " in process. '' But it is affecting my ability to refinance a Home Equity Loan ( HEL ) on my vacation home that has matured and will soon be in default. I have had several pre-approvals for HELs, but I'm told they can't close until I make three monthly payments on my modified mortgage. Mr. Cooper says they will reject any payments I send until my mortgage is modified. But they aren't sending me the documents! So they are holding me XXXX. Once my HEL defaults, my credit will be affected and I may not be able to get a loan. I suspect Mr. Cooper is stalling on mortgage modifications until interest rates go up, so they can keep higher interest mortgages they hold from being refinanced. Mine is currently 5.25 %. Are other people having the same problem? If so, this is a scam.
Product: Credit card

My due date was listed on their app and website as XX/XX/year>. I paid my payment on XX/XX/year> around XXXX PM central time. Today I log into the account and I noticed that I was charged a late fee of XXXX XXXXbecause I made my payment after XXXXXXXX XXXX XXXXXXXX standard time per the customer service representative. I spoke to, however, there is nothing in the payment due date area on the website or the app that states that payments have to be made at a certain time on XX/XX/XXXX and when I called customer service to get the late fee removed, they informed me that they will need to have that reviewed and when I inquired on how long that review may take, they informed me that they have no ETA despite the fact that they had no issue charging me a late fee on a payment I made by the due date. They did mention that I have had two other late fees, but as I mentioned to them, their app is trash and it is sometimes impossible to log on and so I have made payments in the past late the first payment being the first payment ever because I didn't know that the payment was due on that day so I let that slide the second payment was because I couldn't get onto the app so I let that slide but this last payment I made that payment on XX/XX/XXXX and they absolutely refused to give me back my money for the late payment, even though I paid my payment by XX/XX/XXXX, as indicated as my due date. I spoke to a customer service representative and the supervisor and did not get anywhere. I would never recommend this company. For anyone. It is a predatory practice to be in the business of helping people rebuild their credit and on the back end, providing due dates, and when a person pays on that due date still being charged a late fee because it was past a timeframe that is not communicated on the due date section of any document that they have out for your account
Product: Credit reporting, credit repair services, or other personal consumer reports

After having some expensive car trouble, I put a large amount of money on my Barclays Delaware Credit Card. On XX/XX/XXXX, I noticed that Barclays Bank Delaware added a remark to my account, with no information. I called and spoke to a representative regarding the remark, as it dropped my credit score by XXXX points! They said there was no record of a remark on my account and I have never missed a payment, and that they never added a remark to my account. I was very frustrated because there was very clearly a remark on my credit report added by them and they said they had NO knowledge of it. I asked them to escalate the issue to investigations department and after a few hours, I got the same response. Barclays Delaware Bank claims they never added a remark on my account. I would like to have the remark removed and my credit score restored as I am no longer eligible for my housing with this drop.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX. Balanced details XXXX, stated Balanced paid off. Balanced open XXXX XXXX. Balanced updated XXXX XXXX. Account type Installment/ status- showing charge off. Contact XXXX XXXXXXXX XXXX, NC XXXX -Phone XXXX. Stated charge off account XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX. This debt is considered a charge off however it is actually considered income because I should've received a 1099c form in order to account for this as income. This is not a charge off. I am requesting that this is removed because it is considered income and income should not be reported on my credit report.
Product: Debt collection

I've spoken to the debtor and they stated I owed them {$21000.00} billing to an address I never lived. I've ask for the original contract with my personal information and signature, yet to receive anything which proves the account is mine. 

I've disputed the account with XXXX and was told to prove the account was mine and I have yet to receive the original contract with my personal information and signature.
Product: Credit reporting or other personal consumer reports

There is information on my consumer reports from XXXX, XXXX and Equifax that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the identified transactions furnished on my consumer reports. Please permanently block and remove the reporting of this information as it is harming my ability to obtain new credit. Moreover, there are inaccurate addresses, phone numbers and inquires that must also be removed. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am the Attorney-In-Fact and the Authorized Agent for XXXX XXXX, requesting this block for the name of my PERSON. 

I have items on my consumer report that are a result of an identity theft and not made by any transaction related to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIncorrect phone number : XXXX that must be removed from all three credit reporting agencies. 

Without prejudice, without recourse, all rights reserved : by : XXXX XXXX : XXXX, XXXX.
Product: Debt collection

This company keep reporting after being removed from credit by XXXX XXXX  due to a dispute that has been approved
Product: Credit reporting or other personal consumer reports

XXXX and Transunion are continuing to report a late payment for XXXX XXXX for XX/XX/2023. XXXX agreed to remove late payment in writing to CFPB, however, even after disputing this account in addition to CFPB complaints, no on has updated my account. To correctly remove the late payment reported by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Chase Card Services as well as the Credit Bureaus by mailing them letters and speaking to them on the phone to dispute the information being provided to my credit file. Chase Card Services is reporting the following inaccurate information on each credit bureau 1 ) The Balance Owed, 2 ) The Highest Balance amount, 3 ) the date opened and 4 ) the last payment made on this account.

These inaccuracies are harming me and my ability to obtain affordable housing, and other important necessities. 

As they continue to choose to report inaccurately, I am requesting that they delete all information completely from all the Credit Bureaus Immediately. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit  reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I took put an installment loan and the company did not discuss the apr with me. Later I found out that the apr is XXXX  % and I'm paying pack {$6000.00} on a {$2000.00} loan.
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX  XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX. date opened XX/XX/XXXX XXXX. XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX. date opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to  XXXX  about inquiries that I did n't authorize or recognized and I asked them to remove the inquire s. In 2016 it was some accounts deleted off of my report because they did n't belong to me. The accounts had the same name as me but different addresses. after looking at my credit report I seen all these inquiries and some of them were reporting more than once.They sent me a letter informing me that, they are not required to r emove these inquiries, I needed to contact the companies. I contacted the companies and they said I need to contact the credit bureaus. These inquiries have stopped me from getting the credit I believe I deserve. The reason for denial is too many inquiries. I 've asked this company by phone and in writing but nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I bought a mattress from XXXX XXXX in XXXX XXXX it was financed through XXXX XXXX. In XX/XX/2017 the mattress was returned and XXXX XXXX delivery picked it up from my home. XXXX credit shows it on my report as delinquent of {$1000.00}. The mattress only cost {$590.00} and we returned the mattress so we owe no money and certainly aren't delinquent. XXXX said we needed proof that it was returned. The company we bought from picked it up. We can no longer speak to mattress overstock because they are permanently closed. We shouldn't have a charge off on credit report for an item we don't even have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I've contacted the police and FTC. I'm doing this on my own behalf. There are still items on my credit that are not mine. XXXX XXXX XXXX XXXX.