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

My account with TransUnion was never late! I have had exceptional payment history with XXXX 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.XXXXThis 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 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.

TransUnion 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, credit repair services, or other personal consumer reports

Have sent letters to have fraud alert removed and I have not received anything that says that it has been removed. Also the fraud alert has the wrong phone number listed which is causing a major issue.
Product: Credit card

Citibank has closed XXXX credit cards on me : XXXX are general purpose cards with corporate names : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I will submit another complaint for the XXXX other XXXX XXXX XXXX. The XXXX letter to me claimed that they were closing the accounts because I made frequent payments from unknown sources. This statement was untrue. I made XXXX payments in cash, XXXX at XXXX XXXX and XXXX XXXX XXXX XXXX in an effort to keep my XXXX XXXX as high as possible for a mortgage on a house I purchased. At all other times I always paid my bill online through my bank account. I wrote to the company and explained this, they wrote back that they can close my accounts for any reason they choose at any time they choose. I feel that Citibank is discriminating against me for paying my bills! My XXXX XXXX is in the high XXXX 's and I always pay my bills. I can easily apply for new credit cards but this will harm my XXXX XXXX. Can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNT NUMBERS LISTED ABOVE HAVE 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

XXXX XXXX has made an inquiry to my consumer report that Im not liable for. I did not make this inquiry please remove immediately.
Product: Credit reporting or other personal consumer reports

I am writing to demand that [ XXXX XXXX XXXX immediately cease the improper reporting of late payments on my credit report. The reported late payments are inaccurate and do not reflect my actual payment history. This erroneous information is causing undue harm to my credit score and financial reputation. Under 15 USC 1666b of the Fair Credit Billing Act, I have the right to challenge these inaccuracies and request prompt correction. I insist that you investigate this matter immediately, remove any incorrect late payment entries, and provide confirmation of the corrections made to my credit report. Failure to address this issue in a XXXX  manner will compel me to pursue further legal action to protect my consumer rights. 


In conjunction with these provisions, it is imperative to comprehend the concept of permissible purpose as defined in 15 U.S.C. 1681b. This section delineates the legitimate reasons for obtaining and using consumer reports, ensuring that creditors have a valid and authorized basis for accessing and utilizing a consumers credit information. Violating this principle arises when a creditor sells a debt without a permissible purpose, raising significant concerns about the legality of such actions. The violation extends beyond the boundaries of the Fair Debt Collection Practices Act ( FDCPA ). While the FDCPA primarily applies to third-party debt collectors, original creditors, such as [ XXXX XXXX ], must also adhere to other applicable laws and regulations. The Truth in Lending Act ( TILA ), specifically TILA Violation XXXX, mandates adequate notice of the sale of debt. The absence of such notice constitutes a violation of TILA, compounding the severity of the violation.
Product: Vehicle loan or lease

To whomever it XXXX concern : Thank you for taking some time to read the contents of this letter. I'm writing this letter because I took notice that My most recent credit report comprises a late payment on my Toyota Financial account, reported in XX/XX/year> ( {$270.00} ) and XX/XX/year> ( {$600.00}. ) I fully acknowledge and understand my financial obligations. While I had XXXX missed payments, this was due to an oversight after making a large payment towards the principal. Prior to and since then, I have maintained a responsible payment history. I have since made all payments on time, and the account is now closed with the vehicle fully paid off. I believe these missed payments were an exception to my overall responsible handling of the account.

I'm planning to apply for a loan and it's come to my notice that the missed payment on my record could hurt my ability to qualify. I honestly trust that my previous actions do not reflect my credit, worthiness and commitment to paying my debts. It would be a kind gesture if you would grant me a second chance and make goodwill and removing the late payments in XXXX of 2021 and in XXXX of 2021. 


Thank you for your consideration, and I hope that you will approve my request XXXX regards, -XXXX
Product: Debt collection

Collection agencies listed below are NOT licensed in my state ( Delaware ). I am requesting for them to be removed from all three credit bureaus ( XXXX, XXXX, XXXX ). 

American Collections ENT XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting

I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an addresses which was also fraudulently used and that is XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX XXXX # XXXX XXXX, nc XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX bank # XXXX and later discoverd numberousotheraccounts as well here they areacct # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX & XXXX # XXXX XXXX # XXXX opened XXXX XXXX XXXX # XXXX XXXX XXXX ofacct # XXXX XXXX XXXX XXXX Opened XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX Experian : XXXXXXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I had recently filed a case for fraud, they failed to help once but then I asked why they denied my case if they hadnt even reviewed over it, so then they agreed to help and they input a provisional refund meanwhile, and today I received an email of Bank of America saying it was denied because I gave permission of use to commit this Fraud. So insane! You can clearly take further action and check the ATM where this person took my money away from & stop this criminal! Now theyre making me pay out of pocket for something that I had no control of and theres no other solution.
Product: Credit reporting or other personal consumer reports

I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the US Dept of Education ( ( XXXX ) XXXX ) just reported that I am deliquent for repayment for a loan dated XX/XX/year>XXXX XXXX XXXXXXXX I have never recieved any bill or any information regarding the amount due for this and my loan was with the XXXX XXXX XXXXXXXX XXXX XXXX and was apid in full. This made my credit score drop by over XXXXXXXX XXXX
Product: Debt collection

Jefferson Capital systems {$6000.00} XX/XX/year> I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to 18 USC 8, L owe no debt, This company is violating my consumers right to privacy pursuant to 15 USC 1681-B2 Company has no permission to report my information per 15 USC 16814 . Company has falsely reported late payments for years which a violation of 15 USC I666b
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked them to provide actual proof the information on my credit report was validated, not a computer-generated confirmation. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. 
If you do not provide me with physical verification of the original signed consumer contract as you are required by Federal Law. 
Under federal law, they had 30 days to complete your re-investigation and furnish me with physical verification of the original signed consumer contract, yet they have failed to do so. 
Consumer reporting agencies must delete unverifiable information. Unverifiable information must be removed within 30 days.
Product: Debt collection

I am in the middle of a refi and there is a collection on my credit that is not mine. XXXX is the original creditor and they have given me a letter confirming this is not my debt ( I am actually a current customer of XXXX in good standing ) I contacted the collection company ERC and they refuse to give me anything in writing confirming that they will remove the negative reporting. I need a letter from them so that I can continue the refinance of my home loan as this is affecting the rate I can qualify for.
Product: Debt collection

My daughter was a student at XXXX living in a two bedroom apartment. We had to move due to the apartment was shutting down due to mold and other issues. I personally drove to Louisiana to move my daughter. I cleaned and made sure the apartment was in the same condition it was given to us. I gave them there apartment back cleaner than it was given to us. Upon returning the key no one came by to do a final inspections with us to discuss any issues. Then I received a bill for which I have no clue what it is for. I did not receive my deposit back but this bill. After receiving a credit report that my score was reduced because of a collection from National Credit Systems on behalf of XXXX  XXXX  XXXX XXXX. 
I was never informed as to why I am being bill the amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted complaint through this platform once already and gotten no resolution from both the creditor and the credit bureau. The account by XXXX XXXX on my credit report is an account that was opened fraudulently and now I am a victim of identity theft. I have tried tried to fix this with both the creditor and the credit bureau. While both companies have made no effort to resolve this I am having to submit other complaint. I received information from the creditor that the proof that they have that this account belongs to me is based on a phone number that it is not mine, an email address that is not mine and an IP Address that is not mine. I have have sent both the creditor and credit bureau supporting documents showing that this account doesn't belong to me. I have sent a copy of my phone bill which has a different number than this creditor has on file. I have sent a copy of my email address information which has a different address than what the creditor has on file and contract that shows i've had this email address for over 15 years. I have sent a copy of my IP Address from both my cell phone and personal computer and this shows a different IP Address than the creditor has on file. I have also filed a police report and identity theft report with the FTC in addition to all of the other documents that I have sent. I find this outrageous and completely illegal because all of this evidence that I have provided clearly shows that this account doesn ; t belong to me and that someone stole my identity in order to defraud this creditor. Neither the creditor nor the credit bureau are following the law and are totally violating the Fair Credit Reporting. My next step since I am running out of options is having to file a lawsuit against both the creditor and the credit bureau. This is affecting my credit negatively and I am trying to purchase a new vehicle and so this is absolutely affecting my life and it needs to be resolved immediately.
Product: Credit reporting

Someone tried to get a loan using my personal information from " XXXX '' on XXXX XXXX, 2015. That inquiry was fielded by Esperion and it is impossible to get the XXXX digit number to dispute the inquiry. There was also an inquiry in XXXX from XXXX XXXX with someone trying to open a BUSINESS in my name. I will be able to have that inquiry withdrawn by writing a letter. However, the XXXX XXXX people have been unhelpful and these will adversely affect my chances of obtaining any kind of decent credit rating in the foreseeable future.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$3000.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Credit reporting or other personal consumer reports

I am writing to formally escalate an ongoing issue regarding the presence of fraudulent items on your platform. Despite my previous attempts to address this problem, there has been no satisfactory resolution, and the fraudulent items continue to reappear. I am extremely disappointed with the lack of action taken to address my concerns. This situation not only affects my experience but also undermines the trustworthiness of your platform. Please respond within the exact timeframe. If this issue remains unresolved, I will be compelled to seek assistance from consumer protection agencies and consider legal options to ensure this matter is addressed. The following items should be remove as soon as possible : XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$32000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX Balance XXXX {$1100.00}.
Product: Checking or savings account

In XXXX and XXXX I visited XXXX, XXXX 3 times. While I was there I used the ATM at XXXX to withdraw the maximum each time, which is XXXX XXXX that converts roughly into {$140.00} U.S. dollars. Each time however TD Bank deducted the amounts from my checking account roughly for {$160.00} ( after ATM fees were deducted in separate entires. ). I have disputed these withdrawal discrepancies with TD bank, but each time my claim was denied. Their reason is that I authorized those withdrawals which is not true. I authorized withdrawals for approxiamtely {$140.00} U.S. ( XXXXXXXX XXXX ) with XXXX XXXX plus the fee of about {$3.00} U.SXXXX ( XXXXXXXX XXXX ) AND NOT FOR {$160.00} U.S.

I need to know why there is approximately a {$20.00} difference in all of my withdrawls ( 10 in total ) Please note that the maximum that can be withdrawn from the ATM at any 1 time is XXXXXXXX XXXX which could not possibly convert to {$160.00} U.S. on the transactions dates of : XX/XX/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
Product: Mortgage

I experienced a foreclosure. The loan that I took out in XXXX foreclosed in XX/XX/XXXX. XXXX was the highest bidder and purchased the home for the price of {$200000.00}. The Deed of Trust that was foreclosed on was only for {$170000.00}. Fannie Mae actually made money on this transaction as the XXXX mortgage had been cancelled. There was no deficiency that they could come back and charge me for. A new homeowner has been living in the house and paying taxes since XX/XX/XXXX. I applied for VA loan for a new home recently and discovered that Ditech Mortgage is reporting on my credit report and to XXXX that I still owe them over {$160000.00} for the remaining balance of the loan. They have been paid in full and want to collect from me and are blocking the purchase of my new home. I have lost {$750.00} in due diligence money that I gave in good faith and {$370.00} for the inspection fee and {$500.00} for the appraisal. All because they have not removed a foreclosure from their books. I am a XXXX Veteran and this entire experience has been beyond discouraging. I feel confident that these types of practices is why the Consumer Financial Protection Bureau was set up.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

CB/VICSCRT XXXX XXXX XXXX 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

I recently received a copy of my Experian Report and I noticed some Inaccurate Collections information being reported to my consumer report without my CONSENT. In accordance with the Fair Credit Reporting Act, Everything MUST be 100 % accurate on my credit report. The credit bureau stated my account was properly investigated but how is this possible if the open dates are inaccurate, the last day activity is inaccurate and the last day reported is also inaccurate. THIS IS MULTIPLE VIOLATIONS OF MY CONSUMER RIGHTS AND GROUNDS FOR DELETION. 

15 USC 1681s-2 ( A ) reporting information with actual knowledge of errors.

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 the information is inaccurate.

15 USC 1681s-2 SECTION B-Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate.

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Kindly remove this to my credit report. This is causing me a lot of stress and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft, and my personal financial information has been utilized without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am requesting communication from you freeing me from accountability for this debt and notifying credit bureaus and collection agencies. I appreciate your upcoming consideration of this matter.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously requested a payment history of our closed account from the provider and have attached the that part of the payment history that covers the period that our loan was with XXXXXXXX XXXX XXXX. This payment history is being attached to have the credit bureaus correct the inaccurate and incomplete data that they are reporting. 

At present our closed XXXX  account is only showing XXXX ( XXXX ) of the XXXX consecutive payments that was made from XX/XX/XXXX to XX/XX/XXXX. The account is also not showing the correct monthly balances, considering the account started at {$190000.00} and should have been descending based on the consecutive monthly payments that were paid each of those XXXX months to a closing balance of {$180000.00}