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

I HAVE ALSO FILED A COMPLAINT WITH THE FTC. THE CASE NUMBER IS AS FOLLOWS : XXXX I am writing to dispute late payments listed on my credit report and change to PAID AS AGREED/NEVER LATE because Credit Reporting Agency 's have violated my Consumer Rights under 15 U.S. Code 1666b - Timing of payments. 

The erroneous account is as follows : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1666b - Timing of payments ( 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 This reported information is not only a violation of federal law, but just like your agency, they have damaged me in the form of defamation of my character and they have committed aggravated identity theft, because I didnt give them written permission to report this information, which is a violation of 15 USC 1666b . 
( 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 which your agency can not furnish proof of it and needs to be CORRECTED TO PAID AS AGREED from all consumer reporting!.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  days before the payment due date and you have failed to provide this which is hindering my chances of purchasing a home and I dont want me and my family to be homeless and left on the street with my kids.

I have suffered extensive emotional distress over this violation or my consumer rights. I am demanding that you CORRECT the above late payments from my consumer report AS PAID AS AGREED AND NEVER LATE!. 
You have 14 days to respond upon receipt of this letter to CORRECT the referenced items AS PAID AS AGREED AND NEVER LATE and send me a new letter notifying me that the information has been CORRECTED TO PAID AS AGREED from all consumer reporting agencies and also mail me a new copy of my report or I will be seeking legal action against your agency for these damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting inconsistent information to he 3 credit Bureaus. They are reporting different account descriptions. XXXX  and Transunion are showing closed and XXXX  us showing derogatory. All 3 bureaus has to be consistent and they are obviously not. So what im asking for that this acoount by XXXX XXXX be deleted from all credit bureaus!
Product: Checking or savings account

Over the course of the dates ranging from XX/XX/XXXX to XX/XX/XXXX, I have had a series of fraudulent ACH debits to my Chase Business Checking account.   This began with a dozen very small charges for less than a dollar starting XXXX XXXX XXXX2.   I brought this to my banks attention that same month and since the small charges were reimbursed they were not concerned.  I do not use this account often since it is a secondary business account for me.  It has only come to my attention on XXXX XXXX XXXX XXXX  that there were in fact many fraudulent ACH charges that went through over time.   I filed a fraud claim the next day.  Chase refuses to refund all of the amounts.  I spoke with the fraud department again today.  They claim that they are only liable for 30 days and place the blame on me for not catching it earlier. I find that ridiculous since they control the security of my account.  I don't use checks with this account, so can't conceive of how my account and routing info got out into the world.  

I've been a Chase bank member for close to 20 years and have move quite a bit through my accounts over time and have never filed any sort of claim before.  I find the handling of my case to be despicable.  

The charges in question are as follows: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Chase responded by reimbursing only the following charges:

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

XXXX, TRANSUNION AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE LIST OF ALL FRAUDULENT ACCOUNTS : XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Collection : XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX XXXX XXXX  XXXX : Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX   XXXX : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry date : XXXX XXXX, XXXX XXXX : Inquiry date : XXXX XXXX, XXXX
Product: Checking or savings account

Early Warning Failed to supply sufficient evidence to show why they say the information is valid, and also XXXX just send me a secure message indicating the account is still open with credit available.
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 Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number: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: Credit reporting, credit repair services, or other personal consumer reports

On-site is reporting 4 different inaccurate judgements. They are duplicating each one. One of them has a sealed record and should not be appearing at all which has a file date of X/2011. Yet it is appearing as vacated, I lived in that unit for 3 additional years so again it was sealed. The other judgement was vacated. With a file date of X/X/2011and it is showing it is owed. The attorney acknowledged that it should not be appearing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted TransUnion on XX/XX/2020. My FICO Score was XXXX. A key factor affecting my FICO score, according to TransUnion, is that I do not have any loan activity. This is inaccurate. I have a mortgage loan ( which TransUnion fails to report ) and a line of credit ( which TransUnion also fails to report ). When asked why they fail to report both loans, they stated the loan company was not paying TransUnion to report my loans. SInce TransUnion does not correctly report my information, TU should not be reporting my FICO Score nor stating there is no loan activity when there clearly is loan activity. If TransUnion wants to report on me, it needs to be accurate.
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 
XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX customer service. I am aware of my rights under the Fair Credit Reporting Act, and I trust that you will handle this matter with the urgency and diligence it requires. The inaccurate reporting of late payments has a significant impact on my credit score and financial standing, and I am eager to see a prompt resolution to this dispute.
Product: Credit reporting

I am including a copy of my contract with Hyundai Motor Finance. They have yet to remove the late on credit file and as you can see from this contract, It does not say they have the right to apply late charges first, and show late on my Bureau. It only says about Finance Charge. I want this taken care of ASAP.
Product: Credit card or prepaid card

I applied and called upgrade as requested due to I have a fraud alert on my credit report. XXXX said I was verified and all was good. I verified the limit originally offered and my info as requested. XX/XX/2021 denied saying unable to verify identity??????? So I called and was told nothing I can do! No one to speak too but the rep agreed per notes I was verified.
Product: Credit reporting or other personal consumer reports

This is to inform all the concern parties that I noticed some unauthorized accounts on my credit report, I have been able to identify some account that i do not know nothing about on my credit report which surprised me because i believe my consumer report should be a fair reporting without inaccurate data, because unwanted and unauthorized violated my consumer rights. 

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

XXXX XXXX has been paid in full on account ending in XXXX. This was for an HVAC system. I've disputed this with the three bureaus, and they've updated my XXXX file, but my TransUnion and XXXX file still shows a balance owing of {$3800.00}. I was told to wait until my account was paid and updated and a new statement was generated, but that has happened for XXXX and my XXXX and TransUnion file still remain incorrect.
Product: Credit card

Never got payments back . Got hacked on cash app tried to get help but got fake numbers instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : XXXX XXXX XXXX of XXXX XXXX, XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX  XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX  XXXX, XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Debt collection

On XX/XX/year> a debt validation letter was mailed to transworld system XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A - States I have rights to my privacy 15 U.S.C. 1681 Section 604 A ( 2 ) - Further states a consumer reporting agency can not furnish my account without my written consent or written instructions.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any reason.
Product: Debt collection

Originally I purchase car insurance from XXXX, I was late on a payment in 2015 and they cancelled my policy. Because they did not accept any on line payments it was difficult to get the payments in as I had to go to a location to pay my monthly payment as I did not have a checking account at that time. I went to one of their locations and they refused to reinstate my policy, yet they were insisting that I pay the full premium left for the remainder of the year. I would not and got insurance through XXXX XXXX XXXX which I continue to have. XXXX or XXXX called me several times to insist that I must pay the full year premium under their supposed disclosure, whilst not providing insurance. This was back at the through the end of last year and further they are stating that it is current. Since insurance was paid for in advance and when they cancelled my policy it was for coming month, not for the month that had passed. The crux was that while they refused to reinstatement, they insisted to collect the entire annual premium let. Something I believe to be very wrong, especially since I had to obtain insurance from another company. This collection and negative listing on my credit report is extortion and an attempt to damage my credit score which is hurting my ability to qualify for a mortgage loan which I am in the process of obtaining. I truly appreciate your efforts and services as it allows for consumers to be protected from fraud and extortion. 

Thank you very much, XXXX XXXX
Product: Mortgage

I have a XXXX XXXX XXXX with Guild.

Insurance is payed by them through escrow. 
I have maintained appropriate insurance coverage throughout the life of the loan, prior to XX/XX/year> with XXXX XXXX, after XX/XX/XXXX with XXXX. 
XXXX Mortgage claims that I had a lapse of coverage XXXX XXXX XXXX 2024, and has charged me {$220.00} for coverage for this period. There was no lapse of coverage. 
XXXX XXXX changed my policy from a classic to advanced on XX/XX/year>. At no time was there a lapse of coverage. 
XXXX XXXX notified Guild of the change in policy, and Guild paid the new premium for the new policy. Somehow some other part of their operations was not informed of this. 
Guild sent me a letter in early XXXX requesting proof of coverage. I sent this by email to the address they requested. 
They sent me another letter on XXXX XX/XX/year> again asking me to provide proof of coverage. 
I sent proof of coverage again, and called them. Their representative told me over the phone that I should disregard the letter and that the issue had been resolved. 
Guild sent me a letter on XXXX XX/XX/year> informing me that they were obtaining hazard insurance for the period XXXX XXXX XXXX XX/XX/year>. 
I again called them and again resent the proof of coverage. 
Guild Called American Family, and was told by XXXX XXXX that there had been no lapse of coverage. They mistakenly believe they were told that there had been a lapse of coverage. 
I called XXXX XXXX, who played their recording of the call and confirmed that they had told Guild that there was NO lapse of coverage. 
XXXX XXXX sent Guild proof of coverage and an email explaining that there had been NO lapse of coverage. 
I called Guild again, and they said they could not explain the problem.
Product: Debt collection

Navient called me this morning for a 3 week past due payment. It was XXXX on Sunday. After they confirmed my identity the woman refused to tell me who was calling. She ignored my questions. My parents are elderly and I was worried it was a hospital calling. Once she told me there was a past due payment I knew it was Navient because thats the only outstanding payment that I have. Isnt it legally required they identify themselves when asked? Navient is such trash anyways for their predatory practices- they need to ID themselves when asked who they are.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Name : XXXX XXXX XXXX Birthday : XX/XX/XXXX Ssn : XXXX My address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom This May Concern, I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : Closed accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection accounts below Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF THIS WHATSOEVER XXXX unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTINGACT section 623 ( a ) ( 3 ), and Iam keeping CAREFULrecord of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. Iwill be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, Imay be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

*Please remove all non-account holding inquiries over 30 days old.

Thank you for your cooperation in this matter, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/XXXXXXXX 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 do not owe this debt and it is bringing my credit score down. I have no clue what this debt might be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called numerous times in regard to my credit profile with Experian. In my attempt to purchase a car from XXXX I was sent the wrong scores which gave me a huge interest rate. I decided to login to Experian only to see that the issue I tried to resolve is still there. My account is being hack and information being changed. Everytime I updated someone has access to change it again. My email is wrong, my address is was wrong and my name is NOT XXXX XXXX XXXX. My credit score gave me a 20.99 % interest on a loan. I also see I can't dispute anything on their site. There is a random company who recently added a collections account to my credit profile. XXXX  has already removed this fraudulent reporting but Experian will not givee the option to dispute. I have 7 days to resolve this so an update with my interest rate with XXXX  can happen. I have a XXXX XXXX  child that requires this car and I definitely can't afford the extra interest because of this scam. I do want my car but they should pay the extra interest if it can't be resolved in a timely fashion. The are letting this man destroy my life and doing absolutely nothing to resolve it. Everytime I call I'm lead around in circles with no results. I don't deserve this.
Product: Credit card or prepaid card

I received a mailer to apply for the Citi / Aadvantage platinum select credit card. 
The terms on the offer clearly state " EARN 60,000 AMERICAN AIRLINES AADVANTAGXXXX BONUS MILES AFTER SPENDING {$3000.00} IN PURCHASES WITHIN THE FIRST 3 MONTHS OF OPENING YOUR ACCOUNT. AMERICAN AIRLINES AADVANTAGE BONUS MILES ARE NOT AVAILABLE IF YOU HAVE RECEIVED AMERICAN AIRLINES AADVANTAGE BONUS MILES FOR A NEW CITI AADVANTAGE PLATINUM SELECT ACCOUNT IN THE PAST 48 MONTHS. The same terms are listed clearly on their website - https : //creditcards.aa.com/citi-platinum-card-american-airlines-wand/? utm_medium=referral & utm_source=aa & utm_campaign=ccpage I accepted the offer and was approved XX/XX/XXXX. I met the requirements for this bonus XX/XX/XXXX. I previously had applied for this card XX/XX/XXXX and received a sign-up bonus on this card XX/XX/XXXX, so I met the terms of it being 48 months from the last time I received this bonus. When I called Citi bank they told me I wouldn't qualify because I had the card open in the last 48 months. I told them it doesn't state that anywhere! Not on their website, on the application, not in the disclosures. That is a bait and switch making up rules where I wouldn't qualify that aren't made known anywhere, and when based on the mailer I received and the application page of their website I have met the requirements and would qualify for the sign-up bonus. This is unethical behavior! My sign-up bonus should be honored!