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

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments on my credit report for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite multiple requests for correction through letters dated XX/XX/year> and XX/XX/year>, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information reported in a consumer 's file. In this case, the incorrect reporting of late payments on my account has persisted despite my previous disputes, violating this legal obligation. 
Additionally, under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement, further contributing to the errors in my credit file. 
TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity of accurate and timely disclosures to consumers. The incorrect reporting of late payments on my account has caused unjustified damage to my creditworthiness, violating these protections. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Furthermore, under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are responsible for issuing timely statements to avoid unfair penalties to consumers. The errors in my account 's late payment reporting show that this obligation was not met. 
Pattern of Inaccuracies No account details were reported for XXXX, but this omission itself suggests that crucial information may not have been accurately submitted, leading to further discrepancies and confusion about my payment history. 
There are no late payments reported in XXXX, though the balance differs from TransUnion and should be corrected. These discrepancies across TransUnion, XXXX, and XXXX show a pattern of incorrect information regarding my payment history. The errors have negatively impacted my credit score despite my previous efforts to resolve the situation. 
I am formally requesting that these inaccuracies be corrected immediately, and that the late payment notation on my TransUnion report be removed. I also request that any balance discrepancies between the credit bureaus be investigated and corrected. 
If this issue is not resolved promptly, I reserve the right to pursue legal action and escalate my complaint with additional regulatory bodies to protect my consumer rights. 
Desired Resolution : XXXX removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Experian Please delete the following accounts. 

XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the ftc violation and all the doc 's to proof that these accounts are not mine to the best of my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$2700.00} {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} {$290.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  {$6800.00} - - Installment Negative XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX XXXX {$100.00} {$500.00} 20 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} {$500.00} 140 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$800.00} 130 % Revolving Negative XXXX XXXX XXXX XXXX {$14000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$4900.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage matured on XX/XX/XXXX. I did not realize the loan had matured as I kept paying for the loan through XXXX, XXXX. In XXXX I realized what had happened and have working with PHH since then to get a loan modification to keep the loan moving and keep my house. 

PHH has continually changed their requests for information, even though they originally marked my application complete. Now on the phone they say I need bank statements for two months and two months of pay stubs ( why both? ) and then send a letter saying either pay stubs or bank statements. They also say on the phone I need a hardship letter, but in their letter to me it says they want the application signed, which I did in XXXX. 

PHH keeps changing the requirements all to get me to go into foreclosure and then take my home. This is not just a problem with me, they are predatory in nature and incompetent as well. 

To date I have talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Every person I have talked to over the last week, over eight hours of phone calls, has told me a different requirement.
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 ( 5 ), before the end of the 30-day 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 XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I purchased a Vehicle at XXXX XXXX in XXXX New Jersey. I was approved by XXXX XXXX XXXX XXXX I signed the paperwork and toke the car home after driving for a few miles the car was shaking toke the car back to the dealer. 
They attempted to repair the vehicle I picked up the vehicle and it still had problems so I return back to the dealer to try to fix the problem again. I receive a phone call that the vehicle was fixed again I pick the vehicle up and drive it the vehicle still has problems so for the 3rd time I take the vehicle back to the service department at the dealer and told them unless they can correct the problems I do not want the car, that was on XX/XX/2019. The service department called a couple days later stating that the car was fine they couldn't see anything wrong with it so I told them I do not want the car and I'm not picking the car up they can have it. 
Sometime in between all this adventure I received a letter from XXXX XXXX saying welcome to XXXX XXXX I texted the dealer and asked what was going on I did not sign any paperwork with XXXX XXXX. I received no answer or explanation so I proceed it to contact XXXX XXXX and notify them that I have no contract with them. 
After going back and forth with bank and getting nowhere I requested a copy of the paperwork that they approved the loan on. After receiving the copies of the paperwork I noticed the contract had been modified scratched over XXXX XXXX XXXX  and handwritten XXXX XXXX by hand that is not a binding contract and the fact that the car was in possession of XXXX XXXX when the loan was originated. 
I want to make sure that they don'y do this to anyone else as I'm still trying to correct my credit report as XXXX XXXX reported me as late payments and written off loan that ended up been paid by the dealer XXXX XXXX. This has cause me to have credit cards closing my accounts and my credit score going form XXXX to XXXX this has ruined my life it toke me 20 years to get my credit to where it was and a company committing fraud to ruin my credit. This is not fair XXXX XXXX and XXXX XXXX should not be allowed to do what they have done. 
Any help would be appreciated. 
Thank you
Product: Student loan

I didnt have much knowledge about student loans and when I signed up at the school they said that I had to pay for my tuition and that it was {$6000.00} and they said that they would help me out and they were like cars salesman where they made it sound so good and I would benefit greatly from getting this loan and I did just that. Well I went through some trauma and had XXXX XXXX  as a single parent and homelessness with my XXXX I didnt know that the loan was increasing and now they are trying to make me pay {$22000.00} and I went on social security for XXXX and other XXXX XXXX and I am trying to get help from your company to help me get some of that interest taken away since I was mentally XXXX at the time..please help me
Product: Debt collection

I never visited the facility on or around this date, I had already moved out of state.
Product: Checking or savings account

XXXX  they closed my cashapp account no investigation kept my money and nothing else about it.
Product: Credit reporting or other personal consumer reports

Called to speak with representative at XXXX to verify details and to verify if they have received letter for disputed details from credit reporting inaccuracies. Was told that if it doesnt include ID and verification of identity, letter of dispute will be disregarded. Tried submitting details online to upload documents to possibly avert that issue. Unsuccessful with reaching representatives via phone at XXXX and TransUnion due to high call volume and continue to be rerouted to main menu automated system.

Details on report has some information that needs to be removed due to my consumer rights and would like to ensure inaccuracies are addressed regarding public record information and negatively reported accounts upon pulling credit report, it has come to my attention to that these are concerns and issues that has cause me to not be granted credit. It doesnt create an accurate and current credit picture of my situation and has caused strain in the ability to sustain basic necessities when credit extensions are needed or when it involves basic credit checks.

Letters have been redrafted and sent out, however I would like to get this issue resolved as soon as possible, seeing as how it is majorly affected my creditworthiness and ability to maintain my consumer rights.
Product: Credit reporting or other personal consumer reports

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according to the Fair Credit Reporting Act, this creditor XXXX account # XXXX XXXX reported a XXXX  day late XXXXXXXX XXXXand XXXX XXXX XXXX XXXX account # XXXX reported a XXXX  day late XX/XX/ has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Make mountly payment befor its late and but one payment on XXXX XXXX payment is showing late on credit report. I tried to make payment before 30 day mark using automated system but was not granted access until after which cause payment to be late. I call to dopiest and capital one said they could not do anything
Product: Prepaid card

I qualified for a Best Buy card XXXX weeks ago. I have made a few purchases WITHOUT the physical card which is allowed. During a transaction without the Best Buy Credit Card at Best Buy, there was an initial decline. The cashier ran my transaction again and there wasn't a problem. The transaction went through. 

About XXXX minutes later, a person from a phone number entitled " CITI, '' XXXX, called me and said that they represented Best Buy Credit Protection and were inquiring about a recent purchase. I returned the call and could hardly understand WHAT they were asking. Initially, I did provide my social security number as I thought this was a legitimate phone call regarding the recently declined purchase. HOWEVER, the longer I spoke with these " credit service '' representatives, the more I began to suspect that they were actually representing Best Buy and just fishing for information. I hope that I haven't done something in appropriate by reporting this. They also provided a toll free number, XXXX. Once I began to suspect their ruse, I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation of the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported in my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XX/XX/year> of Credit Report, I discovered discrepancies in the following account ( s ) : Account Name : XXXX Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, high balance is reported differently in the credit agencies, date of last activity, last payment, and credit. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted on my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing as 120 days late in XXXX, XXXX, XXXX, and XXXX ... with no previous XX/XX/90 days late. I have never been late, never had a late fee assessed. Attached is proof that I made my payments in all 4 of these months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Has incorrect information on my Credit Report that needs corrected ASAP. They have my balance {$67000.00} as of today XX/XX/2022, Payments {$520.00}, Total Accounts 22, Inquiries 15, Credit Utilization 100 % with a credit score of XXXX. 

XXXX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments {$480.00}, Total Accounts 6, Inquiries 5, Credit Utilization 68 % with a credit score of XXXX EXPERIAN : Has my balance at {$14000.00} as of today XX/XX/2022, Payments ( DOES NOT SHOW ), Total Accounts 6, Inquiries 4, Credit Utilization 77 % with a credit score of XXXX. 

As a XXXX XXXX Veteran, I am highly disappointed at this mess. Is this what we as consumers have to deal with? This is a very serious matter here about how dysfunction these credit Bureaus are. I served in XXXX XXXX XXXX  and could have never been this dis-organized, or my men would have perished. I put my trust in these bureaus to update speedily in a timely matter and I get junk .... THIS IS UNSAT!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to XXXX, XXXX and Transunion about Hard inquiries that I did not recognized. I sent in a dispute letters in XX/XX/XXXX via priority mail. ( I will attach tracking number below ) to each Credit bureau and did NOT receive a letter, call or any explanation of why the inquiries can not be removed. I did call to see if they received it and they said they did. I called in XX/XX/XXXX and they did not give me any details of anything but, even if they did it was past the time they were supposed to get back to me within the 30 to 45 day period and I still have not received or heard anything from the credit bureau. I have 5 hard inquiries I do not recognize and I did not approve any hard inquiry for them to use. I did not give any permission for this and I do NOT have any accounts that I pay with these companies and they should be removed. These are the accounts below with the hard inquiries. 

XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to resolve the issue of inaccurate/ fraudulent identity theft information on my credit report about a bankruptcy filing. I have asked Transunion to provide me with proof of the claim and nothing happened. I asked them to remove the inaccurate bankruptcy claim several months ago and I have been fighting with this situation for 6 months now. I referenced the Fair Credit Reporting Act and apparently it is being disregarded.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called the Chase dispute department to dispute a charge from XXXX XXXX ( transaction XXXX QC processed on XX/XX/XXXX ) in the amount of {$260.00}. I explained that the charge was for a flight upgrade. Since there was a delay to the flight resulting from mechanical issues associated with the plane, XXXX XXXX decided to rebook me on their partner airline XXXX XXXX. Upon being at the XXXX XXXX counter, the representative told me that the upgrade I paid for could not be processed because it was for XXXX. I submitted a claim to XXXX and also called Chase to dispute the charge stating that the product/service ( actual upgrade ) was never rendered. Chase told me that because I was accommodated with another flight, this was valid. Something that neither makes sense, nor was it based on any airline policy. I asked to speak with the supervisor who had nothing else to say besides wanting me to write to some address. No additional explanation was provided, no airline policies and ticket contingencies were reviewed. Investigation was closed prematurely with essentially rationale that did not make sense.
Product: Debt collection

Paramount recovery XXXX has overcharged my account in medical credit charges when XXXX XXXX  agreed to discharge payments charges due to severe health issues and agreement with low income and no health affordable insurance and health at death threat Paramount recovery should agree to terms just like XXXX XXXX  services and agree to better settlement instead of just ruining my credit in credit matters please help in this matter is very serious to me, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX, XXXX, FL XXXX. 

XXXX XXXX
Product: Debt collection

Company filed a collections on my credit report, stating they emailed a notice to respond only via email. I contacted hunter warfield and asked for a debt validation letter and never received a response back. There is still a derogatory collections mark on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

*There is a collection account on my credit report for {$630.00} from Medicredit . It shows that it was paid and closed in XXXX. I wanted information as to the nature of this account and to discuss having it removed from my credit report. 

*On XX/XX/XXXX I called the number listed for Medicredit from my credit report. I spent hours on the phone with three separate individuals and no one at the company was able to find any record of me. They used my full name, phone number, address, social security number, and the account number listed on my credit report. I called the hospital listed as the original creditor and spent three days talking with four different people in different billing departments and was told they show no record of anything going to collections. Everything has been paid in full and I should call Medicredit back and discuss the problem with them. 

*On XX/XX/XXXX I spoke with three individuals at Medicredit XXXX all who were unable to again find any record of me and eventually hung up on me. I was incredibly calm and respectful throughout this whole process and finally cried and cried out of frustration and disappointment after being hung up on after days and hours of trying to get to the bottom of this account on my credit report. 

*Can you please help me remove this from my credit report?