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

I reviewed my Consumer Reports and noticed that I had 8 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and are responsible for reporting Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX  XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated on time as they should be as I was NEVER Late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered that I had multiple inaccuracies reported on my credit report by Tally Technologies. This information is incorrect because the date of last payment, past due amount, payment amount, date opened, and high balance were incongruently reported on my credit reports. 

On XX/XX/year>, I sent formal dispute letters to XXXX, including reasons to support my claim. XXXX has yet to correct the information, which continues to negatively impact my credit score. 

I have also sent formal dispute letters on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to investigate and correct these inaccuracies. Over the course of six months, I have yet to receive a response, and this is greatly hurting my credit score. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : this section describes the procedure for disputing inaccurate information. It requires credit reporting agencies to investigate disputes and correct or delete inaccurate information within a certain time frame. 

Thank you for your attention to this matter.
Product: Debt collection

Multiple harassing calls from a XXXX number about a debt not related to me. Called, told them to take my phone number off because the debt is not me, proceeded to argue with me, telling me I was lying, then cussed in XXXX, once I threatened to report their harassing behavior, I was hung up on, called again and was told that thy werent going to take my phone number off and hung up again. I dont know whats wrong with these people but I may have to get a new phone number because they are calling multiple times a day when I told them I dont have anything to with the debt and to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I joined to US XXXX in 2016 and was sent to my training in XXXX. Before going to my training, I called XXXX XXXX XXXX to grant me a forbearance because I was going to be away. During the training, Nobody has access to his phone, internet or any way of dealing with credit company. A few months later, after my initial training, I came to find out that I account was being reported delinquent. I picked up my phone and called them, and they said that they were going to fix it with the credit bureaus. And recently, the same thing happened again. They grant you a forbearance, and turn around and reports your accounts as late. I have attached my Military orders to show that I was XXXX XXXX during that time and I have also attached their approved forbearance. 
This has ruined my life and has made me unable to apply any loan since 2016. This one account is reported into 8 tradelines/split accounts on my credit report and is showing that I have been late 5 times per tradeline/split which total to 40 times late. I have tried to multiple times and avenues this has never been resolved and everyone seems not to care. I am being treated this way because I chose to serve the country? Joining the Military is not an excuse to get away from financial obligations, but at least necessary steps were taken to ensure that I was covered during my XXXX XXXX time. If there is anyone out there to help me, I will appreciate because 40 late payments have been sitting on my credit for 4 years now. These late payments have crippled me and had made me unable to even get a security clearance. My wife and my XXXX kids can not enjoy the life that I have always dreamed to give them because every time I want to take a step forward, 40 late payments are holding me back. I have saved up for a mortgage but can not get qualified. Can someone look into this and save my life and the life of my XXXX  family? Please I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  no longer owns this account and it was sold to another agency. Therefore it can not be reported by XXXX XXXX XXXX and it should be deleted from my account because this company is no longer responsible and does not own the debt. 

As a result, the consumer bureaus have violated the law listed below. 

15 USC 1681e ( b ) : Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This law explains the Credit Reporting Agency must take steps to ensure that everything on my credit report is 100 % accurate. 
Please provide information on the steps taken to prove the information is 100 % accurate.
Product: Credit reporting or other personal consumer reports

The Account from XXXX XXXX, Account # XXXX in the amount of {$510.00} is the result of identity theft. Ive never lost a lawsuit, signed an agreement, made a contract, received any goods, services, or money with this company. This account does not belong to me. Under the FCRA section 605B [ 15 U.S.C. 1681c-2 ] a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I contacted EQUIFAX by mail with all required documents such as Proof of identity, Proof of Adress, A police report, an FTC report, and a copy of section 605b, on the day of 3/4/2024, ensuring that they will remove this fraudulent account. They failed to Comply to the FCRA which has cause significant harm. Attached to this complaint is a copy of my drivers license, a police report, an FTC report, a copy of section 605B [ 15 U.S.C. 1681c-2 ].
Product: Checking or savings account

XXXX XXXX XXXX  I received a call from a woman that said she was from US Bank fraud dept. Did I spend {$300.00} in Idaho? I said no ( but I just had been in Idaho ) She said your account has been tempered with and you are going to have to put a new ID and Password on your account. " I need to send you a code to verify it is you ''. US Bank always does that if I put in wrong password. Then she sent a code to my cell phone and said you are going to have to redo your app too. Delete your app and put a new one. 
" We want to protect so this doesnt happen again.? She asked me a couple of questions like secret questions I said " don't you have that there? she yes I need to protect you and change those. She was taking so long and I said " why is this taking so long '' she said it is my connection. Please be patient, this has happened to me too and I work in the fraud dept. When I hung up the US Bank sent a text that said " we just approved {$6000.00} on your credit card '' '' I called immediately and the bank told me it was a fraud and that they would put a hold on my account and to call the fraud dept in the morning. 
One of my friends called me and said " what is wrong with your phone I called and a man answered ( she called me on my landline. another friend called and said your mail box is full. I said " really I just called to check messages and it said I didn't have any. 
I went to Bank the next day Saturday and the manager XXXX XXXX pulled up all my transactions because usually they are not posted until Monday and there was a wire charge for {$30.00}. I said I have never sent a wire in my life. I also have never used the credit card. There was a cash advance for {$3100.00} and another for XXXX minutes apart. 
the bank told me that he would give me back the wire money and in the meantime the fraud dept would do an investigation. I was told to go to XXXX to have phone checked to see if there was any suspicious apps put on my phone. I went to XXXX the next day and XXXX found that there was a forwarding of all my calls to a XXXX money sent to XXXX XXXX XXXX XXXX to a XXXX XXXX. I do not know this person nor did I sent this wird. US Bank was denying my claim because came out of my checking account with my name on it. Since then there has been denial letters sent but I have not stopped calling fraud dept and putting claims in to XXXX  and XXXX XXXX and police dept.
Product: Money transfer, virtual currency, or money service

( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app filter take timely and affective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution resolution process was unfair and deceptive as they did not comply with era revolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressed for these violations. Yes
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed multiple disputes with Experian about XXXX accounts that do not belong to me. A charge off with a bank I have NEVER had an account with and also a collection that does not belong to me. These accounts were results of identity theft/fraud. Experian refuses to delete their accounts. The first account is a charge off with XXXX XXXX XXXX and the second is with XXXX XXXX XXXX. Both accounts owing over XXXX $
Product: Credit card or prepaid card

I have had an account with XXXX  XXXX  which is with Synchrony Bank for over 3 years I initially used this for a XXXX XXXX I had a 6-month interest free option if I paid it within 6 months and on time, after my 3 rd month I called to see what my balance was and they told me I did not qualify for the 6 months interest free anymore because they received a late payment however my payments have always been made through my bank. since XX/XX/XXXX I have had this card and the total amount has still to this day have not gone down and I make my payments monthly after 3 years you would figure I owe a couple of hundred dollars since I have never used the card again. but I still owe as of today XX/XX/XXXX {$1000.00} which is a lot my procedure was only about 600 dollars. I called today and asked the interest rate and they stated it was 26.99 %. 

Can I please get some help with this?
Product: Credit reporting or other personal consumer reports

I am writing regarding accounts that have been reported to the credit bureaus by your agency or company under my name and Social Security number. These accounts are currently reflected in my credit report, but I have not received a 1099-C form indicating any cancellation of debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to the regulations set forth by the Internal Revenue Service ( IRS ) under 26 U.S. Code 6050P, creditors are required to issue a Form 1099-C when {$600.00} or more of debt has been canceled or discharged. Failure to provide this document within a reasonable period constitutes a violation of both federal regulations and reporting accuracy requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

In accordance with the FCRA, I am requesting validation and verification of the reported debt, as required under 15 U.S.C. 1681i ( a ). If your agency has discharged or forgiven any portion of the debt, you are legally obligated to issue the necessary 1099-C form to me and report this accurately to the credit bureaus. If you are unable to provide the necessary documents, including a valid 1099-C, within the required timeline, failure to do so will be treated as a violation of federal law and could be considered fraudulent reporting under 18 U.S.C. 1341.

Please take immediate action to remove the incorrect and unverifiable accounts from all consumer reporting agencies in compliance with the FCRA, 15 U.S.C. 1681s-2 ( a ). Additionally, I demand that you immediately cease all collection efforts related to these accounts under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq, until proper validation has been provided.

Failure to comply with these requests will leave me with no choice but to pursue all available legal remedies, including reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation.

Please respond in writing within 30 days of the receipt of this letter to confirm the removal of the accounts and/or provide the requested 1099-C form.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I hope the following items will be deleted ASAP. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had my stimulus payment direct deposit into my PayPal account, the irs said it would be deposited into my account as of XX/XX/XXXX of 2020, in the amount of XXXX, every time I try to go to them about it, they send me to a community thing. Now is not the time to be withholding money when it's a rough time we r having anyways and this makes it more stressful!
Product: Credit reporting or other personal consumer reports

I pulled my reports and seen some fraudulent hard inquiries on them and I need them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Balance : {$4200.00} ; Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act Convergent Account # starting in Ref : XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act Convergent Account # starting in Ref : Ref : XXXX has XXXX my rights. 

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
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as
late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I made a large payment of {$760.00}. This payment went to the outstanding principal and interest as well as late fees as I was past due on the account/loan. This payment brought the account current. 

On XX/XX/XXXX, I made a payment of {$1000.00}. This payment went to the outstanding principal and interest as well as late fees as I missed a payment on XX/XX/XXXX. This payment brought the account current but was well in excess of what was owed. 

I was then charged a {$60.00} late fee for 'missing ' the next payment on XX/XX/XXXX even though on XX/XX/XXXX I had paid well in excess of what was owed which was enough to cover many future payments. 

On XX/XX/XXXX, I called to pay the loan off in full. I reviewed with a representative that there should not have been a {$60.00} late fee charge on the account because of the large payment on XX/XX/XXXX. After discussion, this representative agreed and the fee was removed. On this call, the payoff amount on XX/XX/XXXX was {$3000.00}. After the representative assured me the {$60.00} fee was going to be removed, it left a payoff balance of {$3000.00}. I paid this in full on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email letting me know about my next 'payment ' due XX/XX/XXXX. I emailed back explaining that I paid the loan in full. This is the response I received : XXXX Dear XXXX, Thank you for contacting Personify Financial. 

The payoff amount on XX/XX/XXXX was {$3000.00}. The {$3000.00} paid left a remaining {$60.00} that is required to be satisfied in order to close the loan. 

Please make payment arrangements for that amount. 

You can make a payment via the IVR option when you call or from your debit card by speaking with one of our friendly representatives or sending it by mail. A mailed payment may take up to 7 days for us to receive and process. 

Once we receive your check, we will apply it to your payment. If your payment is not sufficient to satisfy the required amount, you will be required to pay the remaining balance. If you decide to use this option, please mail your payment to the address shown below and include your loan number on the check. 

Personify Financial XXXX XXXX XXXX XXXX, TX XXXX _________________________________________________________ I want to hold this company accountable and start the process of creating a record of their fraudulent practices and giving me a false 'pay off ' amount and then continuing to try to collect a fee plus interest that was agreed would be removed - this was done on a call recorded by Personify Financial. I also recorded the call as it was a call to pay off in full the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the Fair Credit Reporting Act. These following accounts XXXX XXXX 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 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.
Product: Vehicle loan or lease

In XX/XX/2024 I got a preapproval number from Nissan because my lease was up in a few months. I went to the Nissan dealership they said was preferred and tried to purchase another Nissan. My payments were on time and my credit was great. I provided the pre approval number to the dealership to purchase a XXXX XXXX. I later got a call and they said they had XXXX pre approvals for me. I said ok this is the car I want. They then called me back and said that Nissan had declined me. I had a co signer before but I was told by customer service since I was the one that had made all the payments the pre approval was for me so it didn't make sense. They then got their Nissan Rep involved. Nissan declined again to everyone 's frustration. I then ended up having to purchase a XXXX which was immediately approved. Fast forward to XX/XX/XXXX I receive a letter stating I owe {$390.00} because I didn't purchase another Nissan. I called customer service and XXXX ID # XXXX was extremely rude and kept talking over me and said well you didn't get a Nissan so pay it. Then they say I owe the money by XXXX XXXX XXXX  days after the statement. The statement was dated XX/XX/XXXX and I didn't even receive it until XX/XX/XXXX. I don't feel if they refuse to finance me again even though my history was stellar then they shouldn't charge me a disposition fee for being forced to finance elsewhere. They didn't care and said too bad pay it or it goes to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection/charge off in the amount of {$230.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has in fact been paid in full and needs to report a {$0.00} balance and not be reporting as a collection/charge off. I have attached a copy of the letter showing this account has been paid. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/charge off is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian now has damaged my credit, they are not telling the truth they are trying to run out the clock they refuse to fix the problem they acknowledge is on there end.