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

I have always maintained an impeccable payment record with the XXXX CARD SERVICES, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with XXXX XXXX XXXX, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel puzzled right now coz I have no idea what is going on over there at the CFPB. Ive submitted this same complaint twice already but you still claim Im not the one submitting it. This to me is just foolish. So Im submitting it again hopefully for the last time. Transunion has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts and public records listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents that demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts and public records without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this accounts and public records blocked/removed from my credit file per FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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: Debt collection

This is in response to an unresolved claim through CFPB. 

I never opened an account with this entity. I do not open such accounts online, electronically, or via the internet. 

This entity claims I opened an account with them online to obtain a line of credit. I have informed this entity they are incorrect and that I never opened such account. 

I will not utilize another entity such as FTC to validate my claim or fill out documents alleging a fraud has occurred, as I will not give any entity my personal information due to an occurrence I had nothing to do with. This is not my responsibility. 

The entity claiming I opened such an account needs to provide a written contract with my wet-ink signature thereon, as that is the only method by which I will open an account. Otherwise, it is proven I have no affiliation with this entity, have never done business with such entity, and do not owe a debt wherein said account exists. 

Attached are the three attachments this entity included as backing their claim against XXXX XXXX, all of which are invalid as they have nothing to do with me, XXXX XXXX. Also attached is my affidavit stating my procedure for financial contracts. 

Show me this contract on paper or there is no such contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference XXXX Experian is asking me to send in documents. They have my address as I just called them and asked. 

More stall tactics from experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted credit card company XXXX  XXXX in regards to in accurate information on late payment they agreed to fix adjust and change in the system. all other beraus made the correction moths ago experain even after i have submitted serval time dispute still has the account as late and created double account-
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I as a natural person ( consumer ) who is protected under federal law. Experian violated my rights under FCRA section ( 611 ) 15 U.S.C. 1681 ( 6 ) ( a ) ( iii ). Experian failed to respond for my request for method of verification FCRA, section 611 ( 6 ) and ( 7 ). This is a clear violation of my rights and I have also uploaded proof of the documentation.

I a natural person under 15 USC 1692 ( a ) have been abused, deceived, and there has been unfair " debt '' collection practices by Experian and this abusive practice has been hindering me from getting a job. Under 15 USC 1692 ( g ) ( 1 ) Experian has never sent I the consumer any communication of a written notice containing of the following 15 USC 1692 ( g ) ( 1 ) the amount of the suppose debt from XXXX, 1692 USC ( g ) ( 2 ) the name of the creditor to whom the debt is owed. Experian is not following the rules and regulation set forth by congress and it is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid credit Acceptance in full and they agreed to remove it from my credit report immediately. All other reporting agencies did except XXXX. The company denies derogatory being on the paperwork but XXXX XXXX still has not fixed it after multiple reports and calls.
Product: Credit reporting or other personal consumer reports

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute unauthorized and outdated inquiries on my TransUnion credit report. TransUnion is currently reporting XXXX hard inquiries from various companies that I did not authorize, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX did not initiate these credit requests, nor did I authorize these entities to conduct a hard inquiry on my credit report. Additionally, certain inquiries are still reporting past the two-year limit, specifically those from XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX, which should no longer appear on my report according to standard credit reporting practices. 

These unauthorized and outdated inquiries have had a significant negative impact on my credit score, misrepresenting my credit activity. I have attempted to address these issues directly with TransUnion, but no satisfactory action has been taken. Therefore, I am formally requesting, in line with FCRA Section 605B, that TransUnion promptly remove all unauthorized and outdated inquiries from my report and rectify any associated negative impact on my credit score. I trust that TransUnion will take appropriate action to uphold my rights as a consumer under the FCRA.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and notice I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to their best of their ability with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside this complaint in and on this XX/XX/XXXX and XX/XX/XXXX. Please Investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated and to paid as agreed on time as they should be due to the fact I was never late.Please see screenshot attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them.
Product: Credit card

Take a look at the attached documents. I request the bureau to initiate an investigation into these accounts, as I have never been late, yet they are reporting me as such.
Product: Mortgage

Our mortgage originated with XXXX, was transferred to Green Tree for servicing, and is now serviced by ditech. Our taxes and insurance have been paid by escrow with our mortgage payment since XXXX remade our mortgage. Without having received an escrow statement or reason for doing so, ditech has suddenly raised our monthly escrow payment by $ XXXX/month. Our real estate taxes have n't increased in years and our homeowners insurance has not changed significantly to justify such an increase. The escrow increase has changed our monthly payment by more than 30 % and has created a situation where we can not pay our mortgage on time due to the increased amount due. ditech still has not sent an escrow statement or written reason for this drastic change in our payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX Balance : {$380.00} XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine fcra : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MIXXXX-XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

Not sure of date it was over 10 years ago.The manager of the bank told us that they took our mortgage payment and put it in someone elses account then found it and put it in someone elses account. And could not find it.So we had to pay an additional payment which created a snowball affect for us which caused us to eventually have to refinance our home.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint Regarding Improper Charge-Off Reporting Dear CFPB Representative : I am writing to lodge a formal complaint against [ XXXX  and/or XXXX  ] for reporting a Charge-Off XXXX my credit report that appears to be inaccurate, incomplete, or improperly verified. Despite my previous attempts to dispute this entry through the established channels under the Fair Credit Reporting Act ( FCRA ), I have not received a satisfactory resolution. The details of the disputed Charge-Off are as follows : Creditor Name : [ XXXX ] Account Number ( XXXX ) Date of Charge-Off : [ XX/XX/year> ] I believe the reporting of this Charge-Off XXXX violate my rights under the FCRA ( XXXX U.S.C. XXXX ) for the following reasons : XXXX. Inadequate XXXX : The credit bureau and/or creditor has failed to provide sufficient documentation ( e.g., original signed agreements, account statements ) to establish the legitimacy and accuracy of this debt. 
XXXX. Possible Errors in Account XXXX : The balance, dates, or other information related to this XXXX XXXX be incorrect. 
XXXX. Insufficient Notification : I was not adequately informed before this XXXX was reported, and I have not received a comprehensive explanation of how this account was charged off. 

I have already sent a formal dispute letter to [ Credit Bureau and/or XXXX XXXX ] requesting an investigation and verification of this entry. However, they have not provided adequate evidence of the debts validity or removed the XXXX from my report. This lack of action suggests potential non-compliance with the FCRAs requirement to report only accurate and verifiable information. 

Therefore, I request the CFPBs assistance in ensuring that the credit bureau and/or creditor : 1. Thoroughly investigates the legitimacy and accuracy of this XXXX. 
2. Removes or corrects any information that can not be fully substantiated.

3. Provides a written explanation of the actions taken in response to this complaint. 

Enclosed, please find copies of : My prior dispute letter ( XXXX ) sent to [ Credit Bureau and/or XXXX XXXX ]. 
My credit report highlighting the disputed XXXX. 
Any response or documentation ( if provided ) from the credit bureau or creditor. 

Thank you for your prompt attention to this matter. I trust that the CFPB will ensure that my rights as a consumer are upheld and that any incorrect information is removed from my credit report. Should you need any further information or documentation, please feel free to contact me at the address or phone number listed above.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Debt collection

Submitted dispute to XXXX regarding a collection from National Credit Management for {$610.00} from XXXX XXXX XXXX. I submitted the dispute because I never received notification of the unpaid bill and I have not received any notification from National Credit Management which started reporting on XX/XX/year>. I have received no correspondence from them regarding payment in over 8 months. I didnt even know it was in collections until I checked my credit report. How can I have a debt if I havent even been notified of the debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

In the course of obtaining a car loan today, XX/XX/XXXX, my credit union tried to run a credit report from Experian. They failed to get one generated because there is a security freeze put in place as far back as XX/XX/XXXX. I tried to call Experian Customer Service at XXXX several times but all I got was an automated voicemail, saying that I should request to have my credit freeze removed in writing with paperwork to prove my identity and address. 

I need Experian to remove the credit freeze. It can do so by calling me at XXXX XXXX XXXX XXXX.
Product: Checking or savings account

From XX/XX/XXXX - XX/XX/XXXX was hospitalized with XXXX. While I was being treated as an inpatient, someone was able to get a hold of my phone, and my wallet. When they were able to bypass my password, they then went into my account and made all sorts of purchases, unauthorized transfers between accounts, maxed out my credit card and even attempted to deposit a false check. Once I became aware of the activity, I immediately contacted Americas First Credit Union. I was hopeful they would assist me ; I had provided them supporting documents regarding my stay. After i had reported everything to them, they did not even bother to contact me with any updates, I had to call them. Not even one day later, they had reached a decision and said, I could no longer have services with them because of fraud that occurred on my account because it was new. I understood their reasoning but, I advised them again it was not my fault, nor was I responsible for the charges. I did not authorize any of the charges and did not authorize anyone else on my behalf to make any of the charges. AFCU, did not even make the slightest effort to reach out to me in regard to the status of the dispute, or even provide a resolution for the issues that occurred. Not only did they stonewall and continue to do so. They also, have not provided me any support documents or information which led to their decision. They also have not informed me of the 10 days I have to appeal their decision, per federal law. I am a victim and instead they are treating me like it was my doing. I do not know how people get passed passwords and such, I do not do those things, so I would not even have the first idea of how it is done. My biggest issue is, the stonewalling and not cooperating when asked to provide supporting documents, i still have yet to receive any documents