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

XXXX reported an account of mine as a charge off. I have proof from XXXX sub company ; under the same company as XXXX, XXXX stating that the account was settled in full. I have disputed this account numerous time to change the wording from charge off to paid in full however they wont change it. I am an XXXX XXXX XXXX that has been refused a security clearance due to the wording on this account. This is affecting my livelihood and my career.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from XXXX XXXX to XXXX ( health ) to department credit cards ; XXXX. XXXX which is a utility bill that i never had etc. I can go on and on but i will attach the dispute letters that was sent to them back in XXXX.
Product: Credit reporting or other personal consumer reports

I have fraud alert on my credit report from car pros of XXXX in XXXX wa I didn't authorized them to do this. Now I'm stuck with this for two years I have called but no response. I have called experian to complain.
Product: Credit reporting or other personal consumer reports

One Main charged this debt off as a bad debt a profit and lost write off. Opened on XX/XX/year>. Balance {$13000.00}. This account shows as closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. I ALSO DID NOT GIVE TRANSUNION MY PERMISSION TO FURNISH THIS INFORMATION ONTO MY CONSUMER REPORT. THIS IS A SERIOUS VIOLATION PURSUANT TO CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS A BREACH OF MY PRIVACY RIGHTS.
Product: Mortgage

I had an existing mortgage with XXXX XXXX, who sold or transferred the mortgage to XXXX XXXX XXXX effective XX/XX/2018. I did not receive any payment instructions from XXXX XXXX XXXX until XX/XX/XXXX. I made the XX/XX/XXXX payment to XXXX XXXX on XX/XX/XXXX. When I finally received information from XXXX XXXX XXXX, it showed that I still owed a XX/XX/XXXX payment, despite having already making the XX/XX/XXXX payment to the previous mortgagor, XXXX  XXXX. I provided three forms evidence of the XX/XX/XXXX payment to XXXX XXXX XXXX, showing both funds transferred from the originating bank and funds received by XXXX XXXX. XXXX XXXX has acknowledge that the XX/XX/XXXX payment was made, but has deliberately refused to adjust the account accordingly despite numerous calls and emails to their customer service. I have since made 2 additional payments directly to XXXX XXXX ; 1 for the XX/XX/XXXX1 payment ( which XXXX XXXX incorrectly applied to XX/XX/XXXX and another payment on XX/XX/XXXX, because XXXX XXXX still showed that the XX/XX/XXXX was pending and about to be late. I made the XX/XX/XXXX payment simply to avoid phone calls and threating letters for non-payment. In recognition of the three payments made for XX/XX/XXXX, XX/XX/XXXX, and the last on XX/XX/XXXX ( should be applied to XX/XX/XXXX payment ), the next payment due should be changed from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX is deliberately ignoring my emails and calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60  days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed several inquiries that I did not authorize. I sent in a letter to have the sources investigated to Equifax. Ive called in and the results are always given within 3/4 days, which is not enough time to investigate. The following are the inquires I am disputing : XXXX XXXX XXXXXX/XX/XXXX; XXXX XXXXXX/XX/XXXX; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/. I have contacted the original creditors and they have no record of my information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts and inquiries be immediately removed from my credit report. 
Accounts to be blocked and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I did not recognzied this chase collection account until XXXX 2020. Account opened without my permission, I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX -XXXX  XXXX Acct # XXXX -XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX -XXXX XXXX XXXX Acct # XXXX -XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX Had violated my rights. 
15 U.S.C. 1681 section 602A 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 an account without my written instructions.
Product: Debt collection

i paid off the credit card never received a pay off statement. I did call and they confirmed payment. they stalled me and kept stalling me about pay off statement. I filled a complaint with XXXX  of XXXX, filed a complaint with XXXX XXXX XXXX and then I filed a complaint with XXXX  Consumer Affairs. I spoke with a XXXX at usaa and he confirmed that he seen a payment and he needed to check where is my statement showing paid bill. Beginning of this year start of madness all over. XXXX  Attorney General office said that they had reached out to USAA several times and had seen no reply. I did not make those charges. I sent through XXXX  Consumer Affairs a receipt from ATM a XXXX balance and then XXXX days later a receipt with a balance over {$1200.00} XXXX asked them to show me where those purchase were made. USAA ignored me. USAA customer service is horrible. as much money as USAA makes why aren't there any satellite stores to meet with a person face to face this ID Theft and hacking is bringing havoc on consumers.
Product: Credit reporting or other personal consumer reports

Reporting inaccurate late payments. 

( a ) Time to make payments A creditor may not treat a payment on a credit 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : According to 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 on my account suggests a failure to comply with this requirement.

Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

Reporting inaccurate information violates 15 U.S. Code 1681s-2, which prohibits the reporting of incomplete or inaccurate information to credit bureaus.

Summary of Errors and Discrepancies : Account Number : XXXX. 
High Balance : {$0.00} ( discrepant from other bureaus ).

Balance Owed : {$170.00}. 
Date of Last Payment : XX/XX/XXXX. 
Two-Year Payment History : Late payments inaccurately reported for XX/XX/XXXX and XX/XX/XXXX. 
Account Description : Secured credit card, marked as " Amount in XXXX column is credit limit, '' but conflicting details in payment timelines and balances. 
Impact on Creditworthiness : The discrepancies in the reporting by Equifax have caused significant damage to my creditworthiness, leading to denial of financial opportunities and undue stress. Accurate and complete information is critical for fair treatment in financial decisions.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction.

Assurance that the reporting will be accurate and consistent moving forward.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies such as the Consumer Financial Protection Bureau ( CFPB ). 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX XXXX - XXXX XXXX Chase credit card offered a balance transfer promotion that was VERY deceptive. If consumers took advantage of using the promotional checks they would receive 0 % until XX/XX/XXXX. Unfortunately, the very fine print indicated if you had an existing balance on the credit card when you wrote the check or took advantage of the promotional offer you would then forfeit your purchase grace period of existing charges and be charged a daily interest rate on all purchases. Prior to accepting the promotional offer we always paid off balances each month and never incurred interest charges. On the XXXX statement we realized the scam charges and we called Chase to complain and they said these are the new terms because we took advantage of the offer. Since XXXX we have been working to pay each month the amount we owe in order to not be charged additional daily interest from XXXX purchases. We have to call customer service each month and speak with a representative to obtain the amount to pay in order to not be charged extra FEES. We no longer use this credit card for purchases but still have an outstanding balance transfer we are paying off at 0 %. They are still charging us interest from prior purchases and their billing statements are not clear on how much to pay to not be charged extra each month. The latest billing statement indicated we currently owe {$0.00} for the promotional offer, but in reality we currently have a balance. I called on XX/XX/XXXX to complain and spoke with customer service and she said she's not sure why the statement isn't clear and it should show what our balance is for the 0 % offer. She said sorry. This in NOT acceptable practice to deceive consumers. I hope you look into this deceptive promotional offer and review their monthly billing statements. I'm sure we are not the only customers that have been taken advantage of and incurred numerous EXTRA charges. We have excellent credit and have been a long time customer of XXXX XXXX Chase, but NO LONGER!
Product: Consumer Loan

I received two thirty day lates on all XXXX of my credit reports back in XXXX XXXX, and XXXX XXXX, from BMW Financial Services. I have been trying for almost a year to get these lates off my credit reports, because the payments were made on time, and I have documentation to prove they were paid on time. I have sent this information to BMW and to the XXXX credit bureaus as well. BMW has insisted these payments were late, but they have never shown me any proof, they received them late, even with the supporting documentation. My bank has informed me, that it was likely BMW received the payments on time, because the payments were made via electronic transfer. Because BMW has not shown any proof of the EXACT date they received the payments I believe the information they are providing the credit bureaus is Questionable or Possibly Inaccurate and should be removed from my credit reports. BMW has received many Goodwill letters from me, but has been totally uncooperative in all respects. I have even had automatic payments drafted from my bank since these incidences have occurred, but they have refused every attempt I have made to correct the situation, even though the payments were not made late to begin with. I have nver been late with any payment in my life, and I believe BMW 's late are giving a totally false representation of my credit history.
Product: Debt collection

I called XXXX to install a home security system - A company called XXXX XXXX came to my house to install the equipment - They installed door contacts and left a control consol in my kitchen. They did not install the doorbell or exterior cameras. ( they installer said he would have to come back after I have an electrician install new electrical outlets around my home. ) after a few months I asked them to come take the equipment back as it was not likely an electrician was going to be available for such a small job for a long time. They continued to charge my card for monitoring services which of course they were not providing as the system has never been armed - no cameras or door control panel so I can arm the system as I leave or disarm as I enter. 
Now they have a collection agency demanding over {$1400.00} as past due amount. 

I spoke with them on the phone many months ago ( both XXXX and XXXX XXXX ) and each blamed the other one for the issue. Yet no one came to take back the equipment or find a different way to complete the install. I told each other them I am happy to pay for monitoring as soon as the equipment install is complete. 

At this point XXXX is not harrassing me but XXXXXXXX XXXX has reported over {$1400.00} to collections. 

IF - having electrical outlets was a requirement for installation - THAT should have been very clear before anyone showed up at my home to do an install.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I purchased a XXXX XXXX from the vendor in XXXX XXXX. At their suggestion I financed the purchase with a deferred payment option loan. ( the loan was granted by XXXX ( this company is related to Synovus Bank ). The original loan was granted XX/XX/XXXX and was due XX/XX/XXXX ) Attention information Application ID XXXX Acct # XXXX The loan was suppose to be a differed interest loan ( see enclosed general purchase document with notation ref type of loan " Deferred Interest Plan '' " Total Prom Purchase Balance {$6900.00} ) See enclosed scan document I then received a bill from XXXX See enclosed this is an attempt to collect a debt. See enclosed scan document I immediately wrote them telling them no amount should be owed due to the type of loan received. I also told them to stop sending the notices. See enclosed scan document I the received a XXXX statement with an outstanding balance above the orginal purchase balance. See enclosed scan document
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. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 checked my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.