23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Ive had a Macys account for almost 2 years, Ive made on time payments every time besides one time. On XXXX of 2018, I got a new card so I had provide my account number and routing number. I tried paying it on the same day that I always do but was unsure if I provided the wrong information. I tried to confirm with the representative if the transaction was completed ; They said it was. I called 2 days later because the payment wasnt taken out of my account yet, they said it was still confirmed and it may take a couple more days. Another 2 days went by and I called again and they said the exact same thing. A couple more days went by and it showed a late payment. I was on the was for over an hour waiting for a supervisor and they said that they couldnt personally remove the late payment from my account. Ive made a total of 16 on time payments after that. I strongly believe it was a mistake on both of our ends but it could had been forgiven.
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 XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

From XXXX to present I have complaint and made several attempts to correct the inaccurate information by way of CFPB and the three Credit Bureaus. I have not problem with XXXX XXXX XXXX not reporting monthly to the bureaus, however the truth in lending should prevail. 

I've had a mortgage with this company since XX/XX/XXXX, which is current and in very good standing. I did a loan modification in XXXX and in XX/XX/XXXX I filed for a Chapter XXXX which discharged in XX/XX/XXXX. 

During that time my attorney and I was not notified that a reaffirmation was needed, XXXX XXXX XXXX has taken a position not to report to the credit bureaus because of this ; however, the way they have chosen to report is the crux of the problem. 

They reported that my loan ( XXXX ) closed in XX/XX/XXXX, which is a total fabrication. I have no problem with them not reporting monthly. However, they conveniently omit I am currently paying this " SO CALLED '', closed mortgage at $ XXXXsince the said closing. 

I want them to tell the truth ... that I am paying as agreed and nothing else ; sense it is their position and prerogative not to report monthly. Instead of fabricating and falsifying damaging lies in the interest of fair reporting I demand that they tell the truth, a statement of " paying as agreed '', is not ask in too much. Because it is the truth.
Product: Credit reporting or other personal consumer reports

I opened a credit card with Apple card from Goldman Sachsin XXXX ( hereafter known as Apple card ). I made a couple of purchases using my iphone which had gotten automatically linked to the Apple card. I should have gotten a monthly statement of bill by mail to make my card payment. I did not get any such bill for months. They were sending statement by email which was going to my SPAM folder so I was not aware. As I was not aware of the monthly due amount I was unable to pay the bills. Apple Card finally after 90 days of not receiving the payment reported it to credit reporting agecies which adversely affected my 830+ score which had been meticulously built over the last 2 decades.

In all the time not once did Apple card mail me a bill or a notice of past due to my home mailing address. If they had I would have paid the bill right away. I found out about the outstanding bill when a mortgage company pulled my credit report and saw this late ite. I was surprised and taken aback. I settled the bill including interest right away upon learning of it. 

I wrote to apple card to show a one time consideration to withdraw the delinquency to not impact my impeccable credit history but they refused. This is clearly their fault for not having corresponded by mail when a bill was due. 

I request your help in restoring my credit history. I am in the market to buy a home and it is impacting my ability to get a good mortgage.
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 XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am submitting this complaint on behalf of myself. It is sad that the credit reporting agencies can flat out violate the federal law like this. After several calls to XXXX, XXXX, and Equifax and the reps hanging up in my face I am here to get resolution. This is a direct violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.. I not once gave the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I will be be taking this to the next level if this is not corrected. It clearly states that once I notify each credit report agency of any error it is to be removed and corrected. I am the consumer and I am the person to identify this information for validation. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level.
Product: Debt collection

XXXX XXXX XXXX XXXX has violated several consumer protection laws. My employer received a garnishment letter from them and I have never received any communication from this company of any kind verbal or written. I have no idea who they really are if they are collecting on legitimate debt that I owe or if this is an error. Clear violation of FDCPA and CFPB for 3rd party company. I was Never given an attempt to validate the debt. And they have ordered my employer to withhold 15 % of my disposable income starting this week. I already have child support wage garnishments for half my income and cant afford to lose money to a company that I know for a debt that I dont even know for sure that I owe. Its deceptive and unfair!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep concern regarding your unauthorized access to my personal information without my consent. I would like to bring to your attention that I do not have any contractual agreement or affiliation with your company, yet you have accessed and reported information about me to XXXX. 

This unauthorized access to my personal information is a direct violation of my privacy rights as guaranteed by the laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. According to these laws, companies are required to obtain proper consent before accessing and reporting personal information to credit reporting agencies. 

I demand that you immediately remove any and all references to my account from XXXXXXXX XXXX report, as this information was accessed without my authorization. Failure to do so would further demonstrate your disregard for my privacy rights and may result in legal action for FCRA violations. 

I expect Nelnet to take this matter seriously and rectify the situation promptly. I also request that you provide written confirmation of the removal of this unauthorized account from my XXXX report. 

Please be advised that any failure to comply with these requests will leave me with no choice but to pursue all available legal remedies to protect my rights under the FCRA and other applicable laws. 

There are 12 accounts reporting on my Consumer report that I do not consent to. I demand removal immediately. 

I trust that you will address this matter with the urgency and seriousness it deserves. I eagerly await your prompt response and a resolution to this privacy violation. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5500.00} ), XXXX - XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3300.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$20000.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following account has violated my rights. 

XXXX XXXX - XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 12 CFR 1022.82 ( c ) ( 2 ) ( ii ) ) - A user must develop and implement reasonable policies and procedures designed to enable the user to form a reasonable belief that a consumer report relates to the consumer about whom it has requested the report when the user receives a notice of address discrepancy. 


XXXX XXXX is reporting to the bureaus an inaccurate address, after numerous submissions of verification documents that confirm the information they are reporting regarding my identity and ownership of the account to be false. The bureaus refuse to abide by the laws set to protect me from occurrences like these.
Product: Debt collection

Original Institution XXXX XXXX which has been deleted from all the credit reporting agencies, Cavalry is a collection agency which is a 3rd party company, this account confirms full payment paid. Please Delete Cavalry from credit profile. 

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

I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 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 XXXX XXXX XXXX XXXX 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 card

XX/XX/year> credit card was opened in my name and charged over {$15000.00} in my name and didn't pay card back. I filed investigation with XXXX and it was verified as correct.
Product: Credit card or prepaid card

I cancelled my account with bank of america several months ago in order to avoid annual fee on inactive account. I was just notified by my credit monitoring that the account is delinquent for {$78.00}. I have made no charges since closing account and credit report still shows open which suggests they may not have honored my request to cancel account in order to collect their annual fee. I received no statements indicating any amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent a letter to XXXX, Experian and XXXX  about my personal information on XX/XX/2021. I have not seen any change on my report or got any response from the bureaus. I would like the changes I asked for to be made.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Date : XX/XX/2021 Amount {$740.00} Agency : Southwest Credit System. I was a victim of identity theft the collection company knows and has a copy of by police report and is continuing to report the fraud collection on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I was notified by another collection about an account previously with XXXX XXXX XXXX. The account was settled on XX/XX/2021. I have the receipt to show the account being paid off.
Product: Mortgage

RoundPoint Mortgage is my servicer. As with most homeowners, I pay escrow every month as part of my mortgage payment. However, RoundPoint paid one of my insurance premiums a week and a half late ( due XXXX/XXXX/2016 ) causing the insurance provider to cancel my policy. Four months later my account gets assessed with a forced-place insurance policy that is conveniently offered by an affiliate of RoundPoint. This made me angry for multiple reasons. One, I was unknowingly without insurance for several months due to an error which RoundPoint has admitted to, but still not corrected. Had something tragic happened to my property, I have no idea how RoundPoint would have addressed. Thankfully nothing happened to my home, but the concern is still valid. Additionally, my total annual premium is {$770.00}. The policy RoundPoint offered was approximately 6 times the cost of that. RoundPoint also forced a retroactive placement of the policy, so by the time I realized anything was wrong, I already had 4 months of charges against an absurdly overpriced policy. Additionally, one of their customer service reps notified me that the insurance vendor is an affiliate of RoundPoint. They profited from their own mistake! Despite 5-10 phone calls, and 20+ emails over the past 6 months, I am always left waiting for one of their " managers '' to return my messages after they promise to do so. I consistently get a few responses and then the trail goes dry. It 's like they 're purposefully waiting for me to give up.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], I will seek actual damages which are greater than {$1000.00}. I want these items deleted off my credit reports effective immediately.Please help me delete these negative accounts on my credit reports that have been removed from my other credit 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 credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method. I am aware that the FCRA provides you ( 30 ) days to investigate these items, and ( 15 ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted. I have read that you will often label a dispute as frivolous, with an accusation of the use of a credit repair company. Rest assured, I have entirely composed this letter myself, without the assistance of a credit repair company. Should I require assistance, it will be sought through an attorney, dependent on your response to this letter. Thank you very much for your cooperation. My ID has been attached as well for verification purposes.
Product: Checking or savings account

Here at bank of America I made a deposit for checking and savings account plan time plus, at XXXX XXXX XXXX XXXX XXXX And all unauthorized transactions action on account and debit cards in was frauded.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report.

After reviewing my recent credit report, I have identified the following inquirie that I do not recognize or authorize : XXXX XXXXXXXX XXXX XXXX I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.
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 {$790.00} Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX reference XXXX 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.