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

Negative Credit Reporting in error for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX due to break in service by XXXX and unfair and unjust lending service and standards. XXXX broke service failing to notify co-signor of loan amount due and status of loan, due to data base error on XXXX 's part during the time period of XX/XX/XXXX - XX/XX/XXXX. XXXX had a database error and replaced current address co-signor provided and requested she be notified at, with old XXXX address resulting in co-signor not being promptly notified regarding student loan payments not being made in full. XXXX in error replaced the co signors current address on file, with a XXXX address file from when the co-signor was a young girl with a XXXX student loan outstanding, which was paid off in full prior to co-signing the military veterans loans. XXXX sent personal loan information to an unauthorized address instead of the address provided to the lender by the co-signor and caused a negative credit rating for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, as well as, undue risk to the co-signor. Once co-signor was made aware of issue co-signor promptly took action and put loan in good standing. Loan was being paid on during period of concern by borrower. Negative credit reporting on co- signors credit for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX should be promptly reversed due to break in service error by XXXX . XXXX had good address on file for co-signor and co- signor made every effort to correspond with lender at all times. XXXX broke service with co-signor regarding the financial product during the period of XXXX XXXX XX/XX/XXXX although address was readily available listed under co-signors social security number with XXXX . Do-signor was always willing and able to pay on the loan cosigned which generates substantial income for XXXX at a 4.5 percent rate. In addition, XXXX XXXX loans cosigned were being paid on, small amounts of payments were being made by military person and his wife during the entire time period concerned. Family with XXXX children did their best to keep the loans in good standing while undergoing financial hardship. Once I was made aware of issue I immediately took action to pay on loan and put it in good standing. Co-signor has excellent credit otherwise and pays all bills at end of month, no other debt outstanding.
Product: Credit reporting or other personal consumer reports

Subject : Request for Copy of 1099-C Debt Cancellation Letter and Written-Off Amount Details To : Experian Private Reporting Agency ; The accounts listed are being reported inaccurately, and have not and can not be verified by the Creditors nor Experian as follows : XXXX. ) XXXX XXXX Acct # XXXX, XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX XXXX Acct # XXXX, XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX, XXXX Upon recording the phone conversations while speaking to the above-listed Creditors on XX/XX/XXXXXXXX  I have found and recorded evidence that Experian is intentionally and wilfully reporting unverifiable, and inaccurate information concerning the above-listed consumer accounts on my consumer credit report. All three Creditors mentioned above have received my Legal Cease & Desist Notices and have sent a confirmation letter via U.S. Mail confirming their legal duties to Cease & Desist all Inaccurate verifications, credit reports, and contact regarding me and the above-listed accounts. Furthermore, XXXX XXXX and XXXX XXXX XXXX XXXX have verified that both accounts have been written off and by doing so can no longer collect on the debts nor report to my credit profile ; also evident on my Experian Consumer Report. All three Creditors directed me to Experian concerning the intentionally inaccurate reporting. 

I am formally requesting a copy of the 1099-C Debt Cancellation letter for my records, as well as the exact amount of the write-off of debt. Given that this debt was written off and canceled for an amount exceeding {$600.00}, it has been written off as a complete loss according to IRS regulations, which stipulate that a 1099-C must be issued in such cases, which has not been the case. 
In accordance with federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and IRS regulations, the reporting of this debt should reflect its canceled status, and any right to further collection is forfeited. Congress and federal oversight agencies such as the CFPB, FTC, FDIC, and SEC have established that written-off debts, especially those reported to the IRS as canceled, are no longer eligible for collection or reporting on credit files. I expect your compliance with these laws and appreciate a prompt response.

Further reporting by Experian of the above-listed accounts shall result in litigation for defamation of character and Civil Liability for injuries that occurred per the FCRA and CFPB.

Thank you for your cooperation in this matter. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX. All Rights Reserved. Copyright Notice
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH capital one 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 in 60 days to be removed. 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

Subject : **Dispute of Inaccurate Information and Request for Removal under 15 USC 1681** Dear Sir or Madam, I am writing to formally dispute the inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681i , which mandates that credit reporting agencies must ensure the accuracy of the information they provide. The following accounts are inaccurate and/or incomplete and should the investigation come back determining as such, they must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are incorrect and must be removed from my credit report. I am requesting that you immediately investigate these inaccuracies as required under 15 USC 1681i and, upon verification of their incorrect nature, have them removed from my credit report. I trust that you will comply with your obligations under the FCRA and resolve this issue promptly by removing the inaccurate information from my credit file. If this dispute is not resolved within the legally mandated time frame of 30 days, I may pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. Please confirm in writing when these items have been removed from my credit report. Thank you for your prompt attention to this matter.
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. 

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

15 U.S.C 1681 section 602 A. States i have rights to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times over the phone and by MAIL since XXXX trying to get them to remove an unauthorized account from my consumer report XXXX XXXX account partial details # XXXX. More recent dates contacted were XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX with no success. I have return REGISTERED MAIL receipts from the company. They have not responded with the information requested. 
I am a consumer and per Title 15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. I never received anything from Transunion asking for my consent regarding this alleged account. 
Transunion has not been fair nor impartial for placing this alleged unauthorized account on my consumer report. 
The adverse information prevented me from gaining new employment in these grave times during this pandemic. IT'S NOT FAIR. I am a single mother doing the best I can and TransUnion have no RIGHT to place this unauthorized information in my report. 
My privacy has been violated according to Title 15 USC 6803 ( Disclosure of institution privacy policy ). Consumer Reporting Agencies are defined as Financial Institutions. There was no information disclosed to me before anything was JUST ADDED to my Consumer Report. 
If you can not provide a contract for a consent between Transunion and I the Consumer REMOVE XXXX XXXX! As I am in the process of seeking Legal action. This must stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again they have incorrect information [ report XXXX ] even though we submitted through your agency. All you did was take their reply and close the file. How many times do we need to repeat the process until the report is correct? This is causing us severe financial impact. Attempts to correct on line failed since they provided incorrect validation information. Attempts to call by phone failed as usual- 1- My name XXXX XXXX it is NOT XXXX XXXX XXXX XXXX XXXX. 2- XXXX XXXX XXXX is not ours. and not a savings plan. It was a retail purchase paid to XXXX balance months ago! Basically all debts paid down and still a miserable score and incorrect reporting! Same issue with numerous inquiries, missing Security hold but they have a " State Legislation '' hold on the account- remarkable. XXXX XXXX  XXXX XXXX mortgage since XXXX  2017
Product: Credit reporting or other personal consumer reports

Debt collector placed collection action on my Experian credit report. Disputed and requested removal of collection from credit report, but Experian kept collection action on report based upon debt collector saying debt is valid. Also sent letter to debt collector disputing charge and requesting removal from credit report. Have attached copies of the letter to Experian and the letter to Experian. In both letters, I explained that this is an invalid attempt to collect the full rate for emergency medical services that were covered by my health insurance contract and the contract that the emergency medical services provider had with my health insurance company as an in-network provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

I have attached a consumer report as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and now I have accounts reporting on my credit files that doesn't belong to me. Also these accounts are now in ligation Therefore, I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX  {$6400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX Date Opened : XXXX  Balance : {$0.00}
Product: Debt collection

In XXXX, I purchased furniture from XXXX XXXX XXXX. I financed this furniture through XXXX XXXX XXXX XXXX. I have paid for my furniture in full, and XXXX XXXX XXXX XXXX continues to harass me by calling multiple times a day. I made numerous attempts in XXXX and XXXX to settle this debt for XXXX XXXX despite the fact that my furniture had already been paid in full. I was told by XXXX of the dozens of customer services representatives with XXXX XXXX XXXX XXXX that I would not be able to reach a reasonable settlement unless I first allowed my account to go into default status. The problem with that is that TD Retail Card Services continues to post negative marks on all three of the major credit bureaus, causing my credit score to plummet significantly. In fact, I had to settle for an auto loan with an extremely high interest rate because they were the only ones to approve me. On nearly every XXXX of the dozens of phone calls I have made in an attempt to rectify this matter, I have made the representative aware that the XXXX XXXX has had a catastrophic impact on my family 's ability to meet even our most basic needs. There was no consideration for this matter. I would repeatedly ask for an itemized statement of the alleged charges, but I would ultimately be transferred to a line was supposed to be where I would be greeted by an account XXXX to assist me. At that point, I would be immediately disconnected. I am asking that the alleged debt to TD Bank/XXXX XXXX XXXX XXXX  be forgiven, that all negative reporting be deleted from all credit bureau reports , and I am ask for {$3500.00} to be paid directly to me so that I may pay down the principle for my high interest auto loan that I would not have otherwise incurred if even XXXX person would have cooperated with me in my numerous attempts to settle this account. I just want to do the right thing, and they have made it unreasonably challenging to do so. It seems remarkably unethical for them to force me into a delinquent status in the wake of a pandemic and armed with the knowledge that my husband had abandoned his family of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT. PLEASE HELP ME RESTORE MY IDENTITY. THE FOLLOWING ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME. PLEASE BLOCK THE FOLLOWING DATA FROM MY CREDIT FILE. PLEASE UPDATE MY ADDRESS TO THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX. 

PLEASE UPDATE MY PHONE NUMBER TO THE FOLLOWING : XXXX ACCOUNTS : XXXX  XXXX  : XXXX XXXX XXXX XXXX : XXXX INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting 4 late payments on my credit report. I was never late. When I contacted XXXX XXXX I was told that it was a mistake with their company. The only way to fix it was to submit a dispute with all 3 credit bureaus. Each time I submitted a dispute with all 3 bureaus, it comes back as verified as correct information. However, when I spoke with XXXX XXXX, the company stopped reporting my payments late, however, they have not removed the late payments after I sent the dispute to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly ( 30 ) plus days late on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom this may concern, I submitted proof that information on my report was falsely being reported, but the company continue to say it is accurate. They have not shown how this information is accurate or verified, therefore it should be removed. 

Bankruptcy XXXX filed dispute XX/XX/2022 Bankruptcy XXXX filed disputXXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, I had closed my chase account on XX/XX/XXXX or had at least requested it to be closed at that time. They told me that they would send me a check with the 20 dollar balance that was on the account when i completed the account closure. In early XXXX I did call back to check to see what the status was on the check. The representative I spoke to said I had nothing to worry about and to just wait for the check. It is now XX/XX/XXXX. I recieved a letter from chase stating that the check was dispursed on the XXXX of XXXX. Still havent recieved the funds. Attempted calling again but the line hung up on me and when i attempted to call back they said they were closed. Could you please help me recieve my 20 $ from my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies placed unauthorized inquiries on my credit report. I submitted request to each of the credit bureaus to have them investigated, but they replied back advising that I should contact the companies directly. The phone numbers to each of these companies were listed on my credit report. I attempted to call each one of them and could not get through because I had to either have a credit card # or my social security # in order to get past the prompt. So, I am unable to reach them using the # XXXX provided. 

I'm requesting that these unauthorized inquiries be investigated and removed from my credit report. 


XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX CARD XX/XX/XXXX XXXX   XXXX CARD XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX DEALERS XX/XX/XXXX XXXX
Product: Mortgage

Back in the beginning of 2019 ( XXXX ) notification was sent to us that Ditech was changing the payment process and there would be separate accounts for the mortgage payment and the homeowners insurance payment. We did not receive statements in XXXX or XXXX and the XXXX statement must have arrived late because I do not recall receiving it. When I checked my account online, XX/XX/2019, I saw that there was {$2000.00} in an " unapplied '' funds status. I immediately called Ditech and spoke with a representative. On XX/XX/2019 the status of the unapplied changed to {$780.00}. On XX/XX/2019 the status of the unapplied changed to {$7.00}. My monthly homeowners insurance amount was {$200.00}, I do not recall how many payments but shortly after creating a separate account for the insurance they changed again and our payments went directly to the insurance company. Even though they set up a separate account they still took money from the mortgage account for the insurance. I sent a letter dated XX/XX/2019, my first written correspondence. I was, in the past, able to see my payment history and how they continued to change it. I printed screen shots every time I looked and it changed. I am concerned because my funds still continue to sit in the " unapplied '' and they do not post my payments prior to due dates causing me to pay more in interest. The most recent on XX/XX/2019 there was {$1000.00} in unapplied, this amount does not equal the amount of my payments mailed. This amount was not posted as a payment until XX/XX/2019, 3 days after my due date XX/XX/2019. My statement generated XX/XX/2019 shows principal {$860.00}, interest {$580.00}, funds in suspense ( {$32.00} ). I am also concerned that the total amount paid to them in 2019 is incorrect, payments made to Ditech from my checking account total {$10000.00}. This amount does not included insurance once they separated accounts so XX/XX/2019 would only be {$200.00}. On the XX/XX/2019 statement their Year To Date totalpaid is {$9800.00}. 
Before Ditech was in bankruptcy my payments were applied as received, now they hold and forget about them. I make a payment every two weeks based on the pay period, which means I have made two additional payments in one year as bi-weekly is 26 pay  periods.