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

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ Transunion ] [ Consumer Solutions ] [ XXXX XXXX XXXX XXXX XXXX PA XXXX ] Subject : Request for Reinvestigation of Inaccurate Information in My Credit Report Pursuant to the CARES Act, FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( a ) and ( b ), 1681g ), and TILA Dear [ Transunion ] Representatives, I am writing regarding an open credit card account that appears on my credit report, showing a late payment record in XX/XX/XXXX. This late payment occurred during the period when certain financial protections related to the pandemic were still in effect. Considering the protections established under the CARES Act, I am requesting that this inaccurate entry be removed from my credit history. 

I am citing the following considerations based on applicable laws : 1. CARES Act : During the COVID-19 pandemic, the CARES Act provided consumer protections. Many creditors offered payment relief or deferments to impacted customers, and credit bureaus were expected to accurately reflect these accommodations in credit reports. I request that this account be reviewed under the CARES Act, and that the recorded late payment be removed to accurately reflect the impact of the pandemic and any possible relief measures. 
2. FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( a ) and ( b ), 1681g ) : 1681e ( b ) : This section requires that credit bureaus maintain reasonable procedures to ensure accuracy in credit reports. The inclusion of a late payment during this period is inconsistent with my financial situation during the pandemic and represents inaccurate information. 
1681i : This law grants me the right to request a reinvestigation when disputing the accuracy of an entry in my report. Please conduct a thorough investigation and remove or correct any inaccurate information on this account in my record.

1681s-2 ( a ) and ( b ) : The FCRA requires information furnishers to update and correct any errors in reported information. I request that you contact the issuer of this credit card to ensure they report the account accurately, removing the late payment from XX/XX/XXXX. 
1681g : Under this section, I have the right to receive a copy of my credit report and a detailed report of any reinvestigation. I ask that, upon completion of your investigation, you provide me with a full copy of my updated report.

3. TILA ( Truth in Lending Act ) : TILA requires that lenders provide clear and accurate information on loan terms and conditions. If my lender offered a deferral during the pandemic, recording a late payment without proper notice and clarity may be a violation of TILA. 


Please proceed with the immediate removal of this late payment or any information that does not comply with FCRA, the CARES Act, and TILA. I appreciate your attention to this matter and look forward to a favorable resolution within the 30-day period stipulated by law. 

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

Dear cfpb can you please look into the account named XXXX XXXX XXXX and make sure everything is reporting 100 % accurate and if its not please remove it from XXXX & transunion because they will not follow the FCRA guidelines
Product: Credit card or prepaid card

Someone has acquired a loan through US bank in which they are recieving monies and borrowing acquiring loans. Additionally attempting to acquire a XXXX XXXX credit card which I cancelled. 
XXXX XXXX XXXX XXXX is My social security #
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems has failed to send proper documentation to me regarding my request to validate this debt. It became increasingly clear the company is being willfully negligent in rectifying my affairs. Over the past few months, Ive made multiple attempts to have this debt reasonably investigated in accordance to federal law. There were no supporting documents and probable evidence sent to me to validate the debt. I am demanding that the above mentioned debt be removed from my credit account. Attached are supporting documents proving my attempt to dispute this debt multiple times and the laws that apply to this particular negligence on the companys behalf.
Product: Credit card

I pay my First Niagara credit card every month online. I have had this credit card since I was XXXX. Every month I choose the same account to pay it out of ( a XXXX account ). On XXXX XXXX I made my payment as usual. Did n't have any thoughts about it, until I received a letter saying my payment did NOT go through. I immediately got on the phone with First Niagara who was generally UNHELPFUL. They did n't know why it did n't go through, but they said they would reverse the late fee and to try to make my XXXX XXXX payment as scheduled ( would be in the amount of XXXX, due to " nonpayment '' in XX/XX/XXXX ). I did, I made that payment again online. It still did not go through. Nothing on my end has changed, no change in banks, no change in accounts, nothing. Again, this is the same method i use to pay my bill EVERY month. ON TIME. First Niagara wants to act like this is some fault of mine, even though I have proof ( printed confirmation ) that I 'm making my payments on time. The last person I spoke to on the phone accused me of having a missing XXXX in my account number. How can this be when I ALWAYS use this account to pay my bill and have never had any issues?
Product: Payday loan

I took out a loan with Big picture loans of {$800.00} and they told me that I just had to pay {$200.00} extra so {$1000.00} total. Well I have paid XXXX payments of {$200.00} now they 're saying I still owe {$1000.00} that the loan is not even paid that I 've only paid the interest. I did not agree to it being so much if I knew it would be been so much I would 've not gotten the loan so I could pay my house rent I would 've gone elsewhere but I feel scammed because I was only told I had to pay {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to contest the response given to me by Experian for a dispute I filed via the CFPB on XX/XX/XXXX. CFPB File # XXXX. 

The initial dispute was over a closed collection account on my Experian credit report for XXXX XXXX XXXX. My dispute and reasons for it are indicated in that case file. 

However, while Experian did respond, there is no indication in their response that they made any attempt to contact XXXX XXXX XXXX about the facts/information regarding my XX/XX/XXXX dispute. 

Instead, per the response, Experian relied on an initial dispute/inquiry into the situation that I had placed through them directly in spring XX/XX/XXXX. Their result at that time was unsatisfactory, hence my dispute via CFPB on XX/XX/XXXX. 

I find Experian 's efforts into my XX/XX/XXXX CFPB dispute unsatisfactory, as the situation warrants further energies and investigation on their part. 

Furthermore, I have made good faith efforts to resolve the issue directly with XXXX XXXX  XXXX - via phone and mail. XXXX XXXX XXXX has failed to respond. Just as they failed to contact me in XX/XX/XXXX about my outstanding balance, never giving me a chance to clear the final bill before it was reported to Experian in/around XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail
Product: Credit reporting or other personal consumer reports

THIS IS INJURIOUS TO MY CONSUMER REPORTS. 

Over the past four weeks, I reviewed my credit report from all three credit reporting agencies and discovered listed accounts that have late payments that were not late and a bankruptcy on my files. I have placed 8 phone calls to get this information removed from my files. 

I sent ( 4 ) certified letters TRACKING NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX TRACKING NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX TRACKING NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX TRACKING NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX To the agencies, but no agency has corrected the inaccurate information AND HAVE ONLY SENT ME COMPUTER GENERATED LETTERS THAT DO NOT ADDRSS MY ISSUES. In addition, the US Bankruptcy Courts have provided documentation clearly stating they do not verify or validate any public records. 

You are violating the FCRA law by not responding on time and not working with me to correct inaccurate information. I want to know how late accounts were verified on PAID AS AGREED ACCOUNTS and how other accounts are late but CLOSED and PAID 100 % with no remaining balances. I also want the bankruptcy REMOED IMMEDIATELY FROM MY CREDIT REPORTS. Documents and evidence attached. 

If you do not move expeditiously to correct ALL late pays an the bankruptcy for the following accounts, I will seek more legal action against you. I am doing a CFPB complaint as well for not having a proper response and result from you this time. I am submitting these incorrect items once again to remove all associated late payments and bankruptcy. I am paying these accounts as agreed or they have been paid in full already. Please remove the late payments immediately and the bankruptcy. 

Reporting inaccurate information is misleading. PLEASE investigate and REMOVE immediately. Under Section 1681 ( G ), please send me details of the procedures that were used to verify all inaccurate late payment accounting and include name/address/phone of ALL persons contacted to verify this inaccurate information per regulations found in the FCRA. 

Late payment accounts being reported inaccurately On XXXX, Equifax, and XXXX : The report are inaccurate from last payment date, last activity on account, late payments, account status, last payment amounts to how accounts are 100 % paid in full and as agreed. 

XXXX XXXX ( AUTO ), Acct # XXXX, XXXX late pays, PAID IN XXXX -XXXX  XXXX XXXX XXXX XXXX Acct # XXXX, XXXX late pays, Closed, Paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX late pays, Closed, Paid My consumer report is extremely important to me, and I want to advise that willful non-compliance is a violation of Section 1681 ( n ) of the FCRA. I assume 30 days is a reasonable amount of time to delate all of these late pays on my history. After removal please provide an updated credit report from ALL reporting agencies.
Product: Bank account or service

I use the First Data Money Network card for my paycheck to be directly deposited. This card was furnished to me by my work. I am applying for a mortgage and I need to get statements showing the money that I put away as well as my usual cash flow. For the last 2 days, every number that I call gives me a message that they 're experiencing technical difficulties and to try again later. 

I am running into deadlines and I ca n't keep pushing this back. I need proof on paper of my money, and I need the people in control of my money to be accessible. There needs to be some recourse. I 'm at my wits end attempting to get ahold of anybody at all at this company.
Product: Credit reporting or other personal consumer reports

I have disputed these Inquiries on my credit report because I have not authorized any company to view my credit report and they should not be on my credit report. The credit bureaus always send me an updated credit report stating that the accounts have been verified and updated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under 15 U.S.C. 1681i, I request an investigation of these inquiries, and in accordance with 15 U.S.C. 1681b, I expect these unauthorized entries to be removed if they are found to lack a permissible purpose. 
Please provide written confirmation of the removal of these inquiries and send me an updated copy of my credit report reflecting these changes. If you are unable to remove these inquiries, please provide me with the evidence of my authorization and the permissible purpose under 15 U.S.C. 1681b for these inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. As a result, I request that the following account be blocked and deleted from my credit report, pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). 
Account to be blocked and deleted : XXXX XXXX XX/XX/year> {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is that the collections account is listed as XXXX and I received notification from Firstsource Advantage called XXXX they said Id have to contact XXXX XXXX was transferred to an extension and left message. Trying to settle debt but am shuffled between 3 different collections companies. Negative remarks added to credit report because I am disputing endlessly because there are too many creditors notifying for one account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to have a wrong address removed through your website, however Equifax removed 5 CORRECT addresses I had resided in for almost 5 years OR MORE ERRONEOUSLY ... 
I NEVER ASKED IN MY COMPLAINT REMOVAL OF FIVE OF THESE ADDRESSES ... 
PUZZLED AS HOW AND WHERE FROM THEY GOT THE IDEA AND TOOK THE INITIATIVE OR RIGHT TO DO SO. I HAD ASKED THAT THEY REMOVE ONLY THE XXXX ADDRESS, AND THAT THEY RE-INCLUDE ANOTHER ADDRESS ON XXXX  THEY HAD REMOVED ERRONEOUSLY WHEN IN XXXX  I HAD TRIED TO REMOVE ANOTHER ADDRESS THAT DID NOT BELONG TO ME ... SO ONCE AGAIN, THIS TIME AROUND THEY REMOVED 5 CORRECT ADDRESSES INSTEAD OF 1, IN XXXX AGAIN ERRONEOUSLY. ( I ASKED EQUIFAX TO CORRECT, REINCLUDE THE ADDRESS IN XXXX, I WAS PROMISED, GOT THE CONFIRMATION, IT WAS NOT INCLUDED IN CURRENT REPORT ). 
SO I AM DEEPLY CONCERNED FOR MY CREDIT REPORTS HISTORY GENERATED BASED ON ALL THESE ERRONEOUS ACTIONS. WHY IS IT SOOOO HARD, DIFFICULT TO GET A SIMPLE PROCESS OF REMOVING A WRONG ADDRESS, WHY DO THEY BECOME MORE CREATIVE AND DELETE THE CORREC ADDRESSES? HOW CAN WE TRUST A COMPANY ON ANY OF OUR PERSONAL INFORMATION? I GET DAILY BASIS PROMOTIONALS TO BUY THEIR SERVICES ... BASED ON THESE EXPERIENCES I AM ALMOST CONCERNED ABOUT ANY OF MY PERSONAL INFORMATION IN THEIR POSSESSION ...
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy 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 XXXXXX/XX/2022 Balance : {$6900.00}.
Product: Debt collection

I got a call several months ago from Credit Collection Services about an account with XXXX. I had received no written communication from them and requested written verification of the debt, mailed to their address on file. It never came, so I disputed the item on my credit report. It came back valid, because they claimed to the credit bureau that they had mailed it, so I figured I would pay it. So today I called them back and asked for a pay to delete. If they had simply declined, that would have been fine, but instead the representative chose to lie to me about the contents of the FCRA and tell me that collection agencies are forbidden from removing reported items. When I told her I wouldnt be paying unless she told me the truth, she said she was going to notate the account that I refused to pay. I didnt refuse. I simply refused to be lied to.
Product: Credit reporting 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. Magnum Association Services , LLC has violated my rights.

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

And according to 15 USC 1681eb they are supposed to ensure this 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 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: Mortgage

In XX/XX/2022 I switched home insurance companies which I pay through an escrow account with my mortgage company Carrington Mortgage. The former insurance company sent a check to my address for a refund of canceling my home insurance. I needed to deposit that money back into my escrow account. On XX/XX/2022, I called Carrington and asked what is the best way to deposit that money back into my escrow. I did exactly what they said to do and that was to make a payment and include in the memo ' to be deposited into my escrow account ". It was never applied back into my escrow account by Carrington, it was applied to my monthly payments on XX/XX/XXXX, an error on Carrington mortgages part. On XX/XX/XXXX as soon as I was alerted to this I called Carrington mortgage to get this straighten out only to be told they would put a work order in for this and call back in two weeks. I have contacted Carrington Mortgage every two weeks from XX/XX/2022, until XX/XX/XXXX and it is still not corrected. On XX/XX/XXXX I talked to a supervisor who said it should be corrected, but I now have a letter from Carrington mortgage dated XX/XX/XXXX stating that my house has an " intent for foreclosure '. I have been making my monthly payments on time or before time, so I do not have any missed payments or late payments. On XX/XX/XXXX when I talked to the Supervisor, I told him I should not have any late payments or missed payments as everything on my end was done correctly. This should not have taken 3 months to be corrected. Also now my monthly mortgage payment went up, but this should not be because my property taxes and my home insurance payments did not go up.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR HAVE NOT VERIFIED THIS ACCOUNT WITHIN 30DAYS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote to XXXX informing them of incorrect information stated in my credit report as I received a copy of my credit report from them. They have failed to provide the documents I have requested to verify any contract between me and these companies listed on my report. I have expressed my right to demand the documents recorded and retained in their files under the Fair Credit Reporting Act 15 U.S.C 1618g as the accuracy of these disputed accounts is questionable. 30 days have passed and no valid verification of my signature and contract has been provided.

The alleged accounts on my credit report are : 1 ) XXXX XXXX which they also have not provided the account number and no proper documentation has been sent to me since I have paid this account and am no longer liable for the debt. I was since removed from all 3 credit bureaus only to reappear on Equifax reporting. 
2 ) XXXX XXXX XXXX which they did not provide an account number and proper verification I have requested a deletion of the above accounts from my credit report as it is negatively affecting my ability to get credit and hurting my reputation. Under 15 U.S. Code 1681i, all unverified accounts must be promptly deleted and this has not been done, better yet in the time allotted of 30 days.