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

I just pulled my credit report, it has several unknown accounts and companies I have never done business with such as XXXX /XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows different balances on 2 different credit reports I HAVE ATTACHED ALL 3 REPORTS WITH VARIOUS INFORMATION AND POLICE REPORT NUMBER FROM XXXX   NC POLICE DEPT XXXX YOU CAN CONTACT THEM I HAVEN'T BEEN GIVEN A PHYSICAL REPORT YET HOWEVER I WILL SUBMIT IT ASAP THIS HAS TO BE REMOVED FROM MY REPORT I CANT FIND PROPER HOUSING
Product: Debt collection

I disputed a debt from a collection agency called XXXX  XXXX XXXX. The collection was investigated as a result of investigation the collection was deleted. I have the proof of deletion, however couple months later I received a letter from another collection agency called Credence ( excellence beyond Belief ). Stating that I must notify there office within 30days that this debt was disputed. I called to let them know this debt has been investigated and deleted off my credit report. Today XX/XX/19 I received an alert from fico. This collection has reported this debt has mines on XXXX. Bringing my score down 44 points. This is illegal. I do not own no portion of this debt, has been investigated already and disputed and deleted. I have proof on my files. I reported this company for fraud. I would like this fraudulent account deleted from my report.
Product: Debt collection

Not only was the debt collector i did speak with abusivive, harrassing and rude, but there is a specific phone call i am referring to. XX/XX/2020 the debt collector was abusive and inferred me being a child after telling him this was not my debt, was condescending and rude. 
XXXX XXXX also decided to call me frequently during work hours after i disclosed not to. XX/XX/XXXX. And i was never given written notification or phone information to dispute the debt within 30 days. XXXX XXXX is with tekcollect. His extension is XXXX. I was harrassed into paying off half of the debt. They would not give me phone call logs from these dates
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many Inquiries which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any Inquiries which is found to be fraud due to identity theft. The dispute Inquiries do not belong to me. Please remove these Inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

My account with XXXX XXXX, XXXX, AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 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. 

XXXX XXXX, XXXX, AND XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Someone ordered a XXXX in my name and now convergent outsourcing is asking me to pay them about {$1500.00} for a XXXX  that isnt mines and I just want to get this matter settled I tried to dispute it several times but they wont close it theyre stuck on stickiness dead to me and its getting in the way of me doing things I need to do with my life and my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Due to previously compromised personal information and identity theft. I have noticed a few unauthorized inquiries on my credit report that need to be removed. Ive tried to call customer as well as CRA without success. These inquiries are showing up on both XXXX, and Equifax. 

These inquiries are as follows. 

XXXX ) XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello : My name is XXXX XXXX XXXX. I currently reside at : XXXX XXXX XXXX XXXX, XXXX, NC XXXX. My Birthdate is : XX/XX/1979. My Social is : XXXX. 
I have been recently made aware that my credit profile has been marked as me being deceased. 
This is 100 % inaccurate. 

Experian, XXXX and XXXX have ruined my credit rating and standing by removing my score and listing me as non-scoreable. 
Due to this grave error by your systems, you have caused me irreparable damage to many of the active trade lines that I currently hold. I have well over XXXX XXXX dollars in active credit that you have caused the credit issuers to decrease or close my accounts. 
I have included a copy of my current XXXX XXXX XXXX  cellular billing statement and a copy of my Driver License that shows I am an active customer, paying bills and very much still alive. 
This is a demand to remove the deceased marker off of my credit report at once and restore my XXXX credit score. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 

Also, Transunion said they investigated my claim and have " verified '' my inquiries only but they are still reporting inaccurate information My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that XXXX has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations.

2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Experian may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

3. Lack of Documented Proof : Despite my attempts to contest the reported information, XXXX has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the three credit bureaus XXXX, XXXX, and Equifax to request my credit profile list only accurate information including name address and employer. 

My legal name is { XXXX XXXX } I have not gone by or have had any other legal name. Please correct. 

My address is { XXXX XXXX XXXX, XXXX XXXX, LA XXXX } please correct. 

My employer is { XXXX } please correct. 

Please assist in ensuring only the above information is reflected on my credit report accurately. I am happy to provide any documentation needed as well to ensure accurate reporting of my personal information. 

Thank you.
Product: Checking or savings account

XX/XX/year> sat ISSUE accessing online banking. NO support staff. I was notified today by text of possible fraudulent activity on my debit card. They told me to call # on the back of my card XXXX. They immediately closed blocked the card, and transferred me to customer service to have a card resent out. I was advised I would still be able to access my online account for transfers as I SPECIFICALLY asked. I had planned to XXXX  myself $ to my other acct. I am in the process of moving temporally due to hurricane damage and all the funds are in this bank were insurance $ for personal property damaged and moving relocating expenses. I have XXXX XXXX XXXX withdrawal pending and no way to access any fund for food, gas, NOTHING. I'm livid there is no support available for online and now no access to my funds. I have mover 's coming Sunday and no $ to pay them because of this mess. I was in my online account while on the phone with the representative. Once I hung up, the online timed out. I tried to sign back in and my password would not work. I tried repeatedly to access/reset the password as this left me with NO ACCESS TO ANY MONEY. I called back and they were CLOSED at XXXX. The message states sign in online and message us for 24 hour support. How? I tried over an hour to get another # to call fraud dept and found XXXX and it closed at XXXX it was XXXX. This appears to be a struggling bank and this is not the XXXX time I've noticed sub-par service. Fraud doesn't just happen during business hours and they should be prepared to handle this.
Product: Credit reporting or other personal consumer reports

This morning, I was completely caught off guard when I saw inaccurate accounts on my credit report. I usually check it without any issues, but today, discrepancies just appeared out of the blue. I even refreshed my browser, hoping it was a temporary glitch, but it wasnt. These mistakes need to be addressed, and Im asking that my documents be reviewed thoroughly so I can stop worrying about this.
Product: Mortgage

I recently closed on a new conventional mortgage loan through my local lender, XXXX XXXX XXXX , XXXX, located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

Shortly after settlement, the loan was sold to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, and appears to have been immediately re-sold to Flagstar Bank. The loan closed on XX/XX/2019, with a first payment due date of XX/XX/2019. 

I received a payment notice in the mail from both XXXX and Flagstar requesting I make my XXXX payment to both companies. Additionally, the monthly payment notice from XXXX had the correct total monthly payment due, but the payment notice from Flagstar was missing my school tax escrow, so the payment amount they, ( Flagstar ) was requesting was incorrect. I have been going back and forth between XXXX XXXX,  XXXX and Flagstar to try and get a resolution to this, but to no avail. 

In fact, I did a soft credit pull and both XXXX and Flagstar are listing the same mortgage, which has caused my credit scores to drop. 

To add insult to injury, Flagstar recently me a letter claiming my Homeowners Insurance has expired, when this was completely paid in full at closing. 

This comedy of errors on the part of Flagstar bank has caused much emotional stress, and caused my pristine credit to suffer. I have been trying to get this issue resolved for the better part of a month to no avail. 

This is a disgrace and Flagstar should be investigated for their poor loan servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has had an incorrect Reported debt on my credit report for over XXXX  years which has been deemed unrecoverable unremovable and I have actually paid the debt off And it is still reported on my Credit reported
Product: Credit card or prepaid card

I have been involved in an ongoing lawsuit with American Express regarding a charge card that was open from XXXX. The judgement passed this summer stated that American Express violated the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( the CARD Act ) with regards to 15 U.S.C 1601, Section 1666c, the application of payments. On an account with both a cash advance balance with a higher interest rate and a purchase balance with a lower interest rate, American Express applied payments to the portion with the lower interest rate. Furthermore, interest charged on the cash advance balance was added back onto that cash advance balance, inflating it 10 times. 

The only cash advances drawn totaled {$1000.00} in the first month of card use, in XXXX of XXXX. No further cash advances were drawn on the account after this first month. Over 10 years of card use, payments made were never applied to the cash advance. Payments were also not applied to the interest on that cash advance. Interest was treated as a new cash advance charge and was added to the cash advance balance, growing the cash advance principle to {$10000.00} as of XX/XX/XXXX. 

The judgement did not address excessive interest charged on purchases when American Express repeatedly increased the interest rate, which violated the law prohibiting interest rate increases, as detailed in 15 U.S.C 1601, Section 1666i-1 of the CARD Act, captioned Sec. 171. Limits on Interest Rate, Fee, and Finance Charge Increases Applicable to Outstanding Balances. 

I request assistance in negotiating an appeal such that interest rate increases will be examined. Also, the judgement gives no consequence to American Express for violating the CARD Act. I  would like legal advice on how American Express can be held accountable for this blatant disregard for the CARD Act.
Product: Mortgage

Shellpoint Mortgage Servicing attempted to foreclose on Homeowner in the midst of discussing a foreclosure alternative with Homeowner. 
When a loan servicer is engaged in discussing a foreclosure alternative but proceeds with foreclosure -- this is known as " dual tracking. '' Shellpoint recorded a Notice of Default and Election to Sell. After complaining that Shellpoint violated Nevada 's Homeowner Bill of Rights, the Beneficiary of the Deed of Trust recorded a Rescission of the Notice of Default. 
Homeowner is now beginning a new foreclosure alternative process and is sending a Request for Information in accordance with state and federal laws, attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BALANCE ON MY XXXX  XXXX AND XXXX XXXX ACCOUNTS IS INCORRECT. I HAVE TRIED TO GET THE INFORMATION UPDATED.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX R SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX ID XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX  Name ID # XXXX XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX THIS NOTICE SHOULD NOT BE ON MY CREDIT REPORT ; ATTACHED IS MY SSN GIVEN BY THE GOVERNEMNT The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security Administration.

Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.