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

XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX Subject : Dispute of Late Payment Information # XXXX Dear Sir/Madam, I am writing to dispute inaccurate information reported on my credit report by, XXXX XXXXXXXX that appears on my credit file. 

The details of the accounts in question are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Late Payment Reported : XXXX XXXX XXXX XXXX XXXX Despite my attempts to resolve this issue directly with the creditors mentioned, I have not received any response from them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information ( Section XXXX ). I request that you investigate the incorrect information reported and correct or remove it from my credit report. 

Additionally, I would like to remind you that, under Section XXXX of the FCRA, information providers ( in this case, XXXX XXXX ) are obligated not to report false or inaccurate information. Since I have not received a response to my direct disputes with the creditors, I am requesting that you, as a credit bureau, take the necessary steps to ensure the information on my report is accurate. 

Furthermore, in accordance with Section XXXX ( a ) ( XXXX ) of the FCRA, I request that you notify me in writing of the results of your investigation, and if any changes are made to my report, please provide me with a free copy of the updated report. I would also like to remind you that, should this inaccurate information not be corrected, I have the right to seek compensation for any damages caused under Sections XXXX and XXXX of the FCRA. 

I am enclosing the following documents to support my dispute : XXXX. A copy of my credit report with the disputed items highlighted. 



I would appreciate a prompt and effective resolution, as is my right to an accurate credit report under the FCRA. I look forward to receiving an updated copy of my report once the investigation has been completed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Past due debt has been paid in full as per our agreement ( see attached ). In which I obtained a deletion letter. We are trying to close on a house in XXXX  days and I need this account deleted ASAP
Product: Mortgage

The house was taken over by squatters for over 6 years and i could not manage to take all 13 squatters to court so myXX/XX/XXXXdaughter had to intervene and started court proceedings in XXXX so we manage to evict them in XX/XX/XXXX from the second floor but we still have squatters on the 3rd floor and rear flat in the build and still awaiting courts to re-open but i have start the process but due to Covid 19, my hands are tie so unable to process further. 
Also the squatters that were based on the second floor damage the property before eviction. However, XXXX tried to assist but due to the foreclosure they can not proceed and with Covid 19 i am unable to rent the property out. Now the court have set a date on the XXXX XX/XX/XXXX - Index number : XXXX etrack Supreme : XXXX XXXX XXXX vs XXXX XXXX. 

This is such a complex situation due to Mortgage and unable to make payment due to the squatters and not having access to the house for so long but i really hope you can assist me. 

My daughter ( XXXX XXXX ) has been helping me due to my age ( XXXX ) and ill health so its best to communicate through to her. She as Power of Attorney over this property. ( XXXX XXXX XXXX, XXXX XXXX, XXXX zip XXXX. Tel XXXX XXXX XXXX Please help me cause i do not want to loss my house but also feel helpless cause i have no assistance.
Product: Credit card

I've always made sure payments on this account are timely, never allowing them to become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Product: Vehicle loan or lease

I opened an account with CarMax Financing in  XX/XX/XXXX  to purchase a   XXXX   XXXX   XXXX  . Throughout the course of the contract, I ensured that the payments were made on time in at least the agreed amount. In mid- XXXX , my cosigner declared bankruptcy and I notified CarMax that I intended to continue with payment until the vehicle was paid in full, per the agreement. However, CarMax stopped reported payments to the credit bureaus which caused irreparable damage to my credit score. I attempted to reconcile the situation by removing the cosigner from the account, but CarMax would not cooperate. I even enlisted the assistance of an attorney that was unable to remedy the situation, forcing me to refinance the vehicle.
They have conducted themselves in violating of the original contract, claiming that I declared bankruptcy and taking inappropriate action against me and the account. They exhibited predatory business practices and refused to work with me to correct the situation.
Product: Credit reporting or other personal consumer reports

This is in response to previously filed CFPB complaints ID # XXXX ID # XXXX ID # XXXX The response your Agency provided stated that " XXXX XXXXTransunion has completed its investigation including contacting the Furnisher ... and that XXXX XXXXTransunion verified that the public information is reporting correctly '' consequently , I'd like to state that I contacted the XXXX XXXX XXXX XXXX in FL, where this bankrupcy XXXX  XXXX was filed and the court , the only reliable Furnisher in this instance, confirms that they DO NOT report to XXXX or any other Bureau for that matter. Therefore, your initial response verifying the item is either in error or a lie. 
Either way, the reporting requirements DO NOT COMPLY with FCRA 611 ( 15 U.S.C. 16811 ) and the infomation must be deleted immediately.
Product: Debt collection

The company has violated many of my consumer rights. Pursuant to 15usc 1681 ( 2 ) sharing my information without my direct consent, 15usc 1692 ( e ) false or misleading representation. Reporting n my credit profile that the debt I do not owe was sent to an attorney. 15usc 1692 ( f ) unfair practices,15usc 1692 ( c ) the company never validated any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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. 

For TRANSUNION XXXX XXXX XXXX, XXXX {$220.00} XXXX XXXX XXXXXXXX XXXX, XXXX {$4100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hunting my ability to obtain credit. It, s my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some items on my credit report and the Bureau did not respond
Product: Bank account or service

Regions Bank is unlawfully reporting an account on my credit report. I was unlawfully " opted in '' for paying overdrafts when I never consented. I received overdraft fees and they charged me fees on a deposit advance product they had, when they said they would n't.
Product: Credit reporting or other personal consumer reports

I attempted to get the consumer report Equifax furnishes about me online via XXXX, but was unable to do, due to Equifax 's error. I submitted a CFPB complaint ( XXXX ) on XX/XX/year> requesting copy of said report. Equifax did not provide me with the requested report, and instead sent me a letter requesting more Identification. I'm attaching to this complaint, the previous consumer request I did in my previous complaint, and also attaching photocopies of my Arizona state issued ID card, and social security card. Equifax has mixed their file on me with my twin sister.
Product: Credit reporting or other personal consumer reports

I closed XXXX XXXX XXXX XXXX credit card in XXXXXXXX XXXX XXXX. After closing I was still charged {$2.00}, and {$1.00} fees in XXXX XXXX XXXX. On the XXXX of XXXX I get a notice that my account is 30 pass due, and my EXPERIAN credit score drops XXXX XXXX. I have file a dispute with Experian, and with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  agents claims that they are correcting the false information, but nothing ever changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of credit report XX/XX/2021 from Transunion I have seen 2 phone number, one of them is not mine. Unknown phone number that I find in my credit report file is XXXX. I didnt give permission to someone else to get information or to do something else in my file under my name. Since couples months I have seen that someone is using my sensitive information to get my background check or to check my credit score. 
Also, from app creditwise I got dark web alert that means someone used my sensitive information to check my credit scores and more. Please after your information may I know your decision about who is owner of XXXX. 
Thank you in advance!
Product: Student loan

I have been trying to get my private student loan payments reduced for some time now, I am a single mother of XXXX and can not afford the now $ XXXX month payment. I have requested to the company many time to see if I could get some sort of income based repayment option, but have been repeatedly told there is nothing they can do for me but put my account in forbearance. I have submitted a complaint here before and the only outcome from the company was to call me and tell me again that there was nothing they could do for me because of me having my account in forbearance, my account is up to date and not showing any hardship. The employee stated to me that the company " might '' be able to help me if I let my account fall past due, because only then would it show a hardship and they " might '' be able to lower the payments a little bit. I stated to the employee that I would not default on a loan and the employee told me not to worry about it because they do n't report it to my credit report for 60 days and " hopefully '' they would have been able to do something before then. I again stated I would not default on my loan and the employee stated then there was really nothing else they could do for me. When I got upset that the employee was telling me to default on my loan the employee stated several times that as a company they could not suggest I default on my loan, when I stated that he had just told me it was the only way I " might '' be able to get the payments lowered he stated again as a company we can not suggest you default on a loan but yes the only way to possibly get a payment reduction is to have the account showing hardship like being past due. The employee than stated that when I accepted the loan I signed an agreement to pay back the loan and that I had to be held to that agreement. I stated to the employee that I fully understood what I agreed to and that I had every intention on paying the loan back all I am requesting is lower payments. The employee informed me that they did not have to offer income base repayment options because they are a private loan company. Nothing came of the conversation and I again had to put my loan in forbearance this month.
Product: Credit card

XXXX used to have an arrangement with XXXX that allowed customers to use an XXXX card to charge purchases and act as their membership card. In 2016, they changed that relationship to Citi and now use their XXXX card. 
However, in doing so, they somehow instructed Citi to issue me a credit card in my name. I neither asked for nor applied for a XXXX card with Citi, but XXXX showed up in my mailbox. Since I already have a XXXX, I destroyed the new card. About 6 weeks later, I got a call from Citi demanding that I pay my past-due bill. Having never used their card, nor having received any statements from Citi, I asked how I could owe them money. They explained that Costco had transferred my XXXX balance to Citi, and that was the past due amount that they were calling about. They emailed me a copy of the bill and I paid it immediately, and instructed them to cancel the card that had already been destroyed. 
On XXXX/XXXX/16 I received another bill from Citi with a {$110.00} balance. That balance was a result of Costco charging " my '' XXXX for their membership fee. I was surprised that Costco could create a credit card for me, transfer other balances to that card, and then add their own charge to it without so much as a nod from me, the person whose credit is affected by these actions. 
I am not an expert on consumer protection, but this seems like such an overreach that there should be a law against it. If there is not, I assure you that I will speak with my XXXX members about passing XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

(

5 ) A computation error or similar error of an accounting nature on a statement. 15 U.S. Code 1666b - Tim
ing 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFO : NAVIENT Student Loan has fraudulently used my Social Security MORTMAIN VESSLE account number to issue me my own credit. How I found out is when I linked my social security number to my small business bank account on XX/XX/2017 for XXXX XXXX dollars and was approved and acknowledged and NAVIENT SOFTED pooled my credit report because someone seen the transaction take place. I also filed a XXXX XXXX with the IRS as the issuer of my own credit and it was approved as a tax professional and NAVIENT still have failed to correct the records of the payments for All my student loans because their trying to raise capital off of me as a slave! I'm over the age of majority and competent! They are trying to comitt embezzlement again me. According to the VESSLE lien act, they only had until the age of 25 to commit this crime against We The People! I also reported this matter to XXXX for them to correct their records as well because their reporting false information against my account and has caused me punitive damages! This matter is with prejudice. 

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

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Will you please help me this case about unauthorized transaction. 

The bank end XXXX is belong to XXXX, i dont know who is that person. 

I told is not my bank. 
I need help XXXX Transaction id XXXX XX/XX/2022 Total amount transferred {$4700.00} USD Bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

I have recently looked at my credit report and noticed that there is information still wrong on my credit report and information still isnt being repoerted the same.. as to my understaning the dola date doesnt match and once account is chsrged off it shouldnt report co co every month i also disputed with the company and thXXXX credit bureas and information still not repoeted the same and the DOLA date is missing and being reported different
Product: Mortgage

From my home loan account, Bank Of America ( BOA ) paid, in error, my yearly home owner 's insurance premiums twice : once to the correct company, XXXX, in the amount of {$800.00}, and then in redundancy to XXXX XXXX in the amount of {$1500.00}. 

I switched providers, because the rates at XXXX were too high for me. I notified BOA of this change over a month before this bill was due. I even had a 3-way call with BOA and my new insurance company, XXXX. BOA knew to pay XXXX. Without my consent, they took money out of my escrow and paid both companies! Now, they won't credit my account, let alone admit that they made a mistake. The arrogance that I've encountered with their customer service employees is epic! 

I have called BOA numerous times about this mistake, spending many hours on the phone trying to remedy this problem, and no one will credit the funds back into my account. Each time I call, I get a different person with a different story. Each time I am told to wait. Sometimes I have been told to wait 3-5 days, other times 7-10 days, and the last time, XX/XX/XXXX, I was told to wait 30 days by a " supervisor. '' I have made 2 monthly mortgage payments that are higher than necessary, because this error has created a shortage in my escrow, which has significantly increased the amount of my mortage payment that is due monthly. BOA has refused multiple times to do a new escrow analysis, stating that this can't be done until the {$1500.00} premium has been recovered from XXXX. This is extremely frustrating, because they are the ones who won't credit back the funds that they took in error from me and gave to XXXX... supposedly. 

I have went as far as contacting XXXX myself trying to recoup the funds. I asked XXXX to return any funds that they may have received. I was assured that no check had been received or cashed, because I had canceled my policy with them. The XXXX representative told me to call BOA and request a " stop check. '' I informed her that I had already asked for that and had been denied. 

I believe that BOA has been given more than ample time to resolve my concerns, but as of this afternoon, BOA still has not. I'm beginning to wonder if they plan to remedy this problem at all? Any help that you could render would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach that has compromised my personal information. As a result, several fraudulent accounts have appeared on my credit report. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), I request the immediate blocking and deletion of the following accounts : 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
Product: Debt collection

Credence Resource Managment keeps sending me letters that I owe XXXX XXXX bill but i do not!
Product: Debt collection

Portfolio Recovery Associates continues to try and collect on a debt ( ostensibly XXXX XXXX ) that is time-barred by at least ten years. It has refused to provide validation/verification of debt despite oral and written requests from me over a period of years. The most recent request was during a phone call at XXXX on XXXX XXXX, 2016. Portfolio telephone number made from ( XXXX ) XXXX. Portfolio action includes multiple calls to my cell phone without my consent
Product: Checking or savings account

On XX/XX/XXXX, a purchase was made that brought my account approximately {$6.00} under my balance. Before the transaction was posted a deposit was made to cover the amount. According to the policy of TCF bank itself, deposits are credited prior to withdrawals or purchases. However, TCF has decided to charge an overdraft fee for the charge, even though the charge has still yet to post as of today XX/XX/XXXX. An attempt was made to clarify and have them correct the issue. However the overdraft policy and how it works changes every time you talk to TCF based on your situation. This is now the second time I have has to file a complaint against TCF with the CFPB due to their unethical overdraft practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information on credit report. This is a FTC violation XXXX XXXX on XX/XX/XXXX {$13000.00} - FTC violation XXXX XXXX XXXX/XXXX XXXX  XXXX on XX/XX/XXXX {$2300.00} -FTC violation XXXX XXXX on XX/XX/XXXX {$3900.00} -FTC violation XXXX XXXX on XX/XX/XXXX {$5700.00} - FTC violation XXXX XXXX XXXX on XX/XX/XXXX {$21000.00} - FTC violation XXXX XXXX XXXX  on XX/XX/XXXX {$21000.00} -FTC violation Contact all above companies to have inaccurate information remove. Have made attempts, no response.