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

on XXXX I sent dispute letters to XXXX, XXXX, and Equifax to dispute regarding fraud accounts and inaccurate reporting and its been more than 30 days and they have not showed verified proof or removed accounts thats against the law. 
FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these fraud accounts below must be removed within 4 Business Days of receipt. and they weren't 1.XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) 2..XXXX XXXX XXXX 3. XXXX 4. XXXX inquiry on XX/XX/XXXX 5XXXX XXXX inquiry onXX/XX/XXXX 6.XX/XX/XXXXinquiry on XX/XX/XXXX 7. XXXX XXXX XXXX inquiry on XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX XX/XX/XXXXon XX/XX/XXXX 9.XX/XX/XXXXXXXX XXXX inquiry on XX/XX/XXXX 10. XX/XX/XXXXXX/XX/XXXX inquiry on XX/XX/XXXX 11. XXXX XXXX XXXX on XX/XX/XXXX also they are reporting inaccurate late payments for these accounts below 1. XXXX Balance : {$4000.00} 2. XXXX Balance : {$10000.00} 3. XXXX Balance:XXXX 4. XXXX Balance : {$4900.00} All XXXX fed loan accounts listed above are reporting late for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
5. XXXX XXXX Is reporting XXXX late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES...

a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. and also violating law 15 U.S. Code 1681
Product: Credit reporting or other personal consumer reports

My account with XXXX AND XXXX was never late! I have had exceptional payment history witH 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 my 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 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 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: Mortgage

This loan was deemed fraudulent it was taken out with my father who had XXXX at the time there was six loans taking out within less than six months within the back bank it was claimed to be fraudulent and everything was OK going along then my father passed away the house was given to me and now the loan was sold to another loan company and now theyre for closing on the house I really do need some help and I do have paperwork I need to talk to somebody I feel like I am being taken advantage of just like my father this house was bought in 1980 and my family live in it my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX my email is XXXX Telephone number is XXXX I can Explain mychbetter but Im just getting over XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries XXXX  XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX ( XX/XX/2022 )
Product: Debt collection

To Whom It May Concern : I am writing to dispute the following incorrect information on my credit report : Santanderdisputed by name of source, such as creditor or collection agency, and identify type of item, such as credit account, judgment, etc.

This item is currently showing inaccurately on my credit report filed with your credit bureau.

Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit repe immediately. This statute states that any agency which fa to maintain any record with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
Please contact me at the address below to let me know that you have corrected my credit report by removing the disputed item within the next 30 days as stipulated by the Fair Credit Reporting Act. 
Thank you for your assistance in correcting this erroneous information on my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/XXXX ; XXXX XXXX  inquired on XXXX XXXX, XXXX ; XXXX XXXX inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX ; XXXX inquired on XXXX XXXX, XXXX ; XXXX XXXX  inquired on XX/XX/XXXX ; XXXX XXXX inquired something for XX/XX/XXXX XXXX XXXX XXXX inquired for something on XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX inqjuired on XX/XX/XXXX. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Debt collection

I received a letter from TRANSWORLD SYSTEMS INC. trying to collect for XXXX. I was in a clinical trial at XXXX, which caused me to be XXXX. XXXX assured us we would not receive any bills. When logging onto TRANSWORLD SYSTEMS INC., after going through the registration process, it states that they no longer service in the state of California, and they provide an " XXXX '' number. I find this discriminatory towards deaf people since I ca n't call. I also find the process of disputing the complaint convoluted., since it refers you to the FTC website, which refers you to this Consumers Finance website.
Product: Money transfer, virtual currency, or money service

I am writing to express my disappointment with zelles handling of transactions and disputes. This is shown particularly in light through the CFPB lawsuit highlighting several issues with the platform owned by the banks. Despite using zelle repeatedly, they have failed to reimburse me for my disputed transactions, as I was told recovering lost funds was impossible once the money was sent, which wasnt authorized.
Product: Debt collection

It was a legitimate medical debt that was referred to a collection company ( after they never sent a single bill but that is another story ). 
Once we became aware of it, we paid the collector who sent a letter saying once the debt was paid in full it would be expunged from the credit reports. 
This was early XXXX. They have reported the debt over and over to at least 2 credit bureaus again, as of XX/XX/XXXX, a month after it was paid in full as not paid and they keep adding interest to the closed account. 
I have sent them numerous emails but they refuse to respond or take any calls. 

This is clearly a shakedown tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these companies listed below to pull my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 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 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

On XXXX XXXX, 2016 I received an alert on my XXXX credit from a company that has never contacted me about the debt. I was never notified via postage mail nor have I ever had a conversation with this company about the debt.
Product: Credit reporting or other personal consumer reports

Recently, I investigated my credit report and found several items there to be inaccurate.

Under 15 U.S. Code 1681e ( b ), " Accuracy of the report, '' whenever a consumer reporting agency prepares a consumer report, it shall follow responsible procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates.

15 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please immediately remove the following items from my credit report, as these accounts have never been late. 

Experian : XXXX BANK XXXX XXXX Acct Number : XXXX Bal : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX XXXX : XXXX BANK XXXX XXXX Acct Number : XXXX Bal : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX  Acct Number : XXXX Bal XXXX {$0.00} Date Opened : XX/XX/XXXX TD XXXX XXXX XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX XXXX : XXXX BANK XXXX XXXX Acct Number XXXX XXXX Bal : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX Acct Number : XXXX Bal : {$0.00} Date XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Acct Number : XXXX Bal : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter regarding the negative items on my report on XX/XX/2021, but I havent been notified about whats going on and its making anxious. I am trying to fix things so I can purchase new house but you're negligence in reporting are affecting me and now I feel like I wnat to seek compensation for all the trouble and stress you caused me
Product: Mortgage

Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/2020. I have late payments on my credit report, I want removed because I am a victim of Covid-19 and legally Regions should not have them there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I received an email from Grain Credit that stated my account is ( 1 ) day past due. I was confused because I know a payment was made. Then I got a notification from my credit monitoring, My XXXX, which showed me that Grain Credit posted a late payment on my credit report. I had no idea this was happening to my credit. Grain is in clear violation. THE LAW CLEARLY STATES : The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The late payment needs to be deleted from my consumer report, because Grain Credit is in violation of 15 USC 1681. 

Furthermore in accordance to the law, failure by Grain Credit to respond with deletion can warrant me to seek further legal action, including but not limited to, {$1000.00} per violation for : 1. Fair Debt Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 usc1681 ] 2. Negligent Enablement of Identity Fraud 3. Defamation of Character
Product: Mortgage

I have a thirty year ARM ( adjustable rate mortgage ) with Fifth Third Bank. 
The mortgage was given in XX/XX/XXXX with an annual rate adjustment every XX/XX/XXXX. 
There have been no problems with this process and I have never missed a payment in 12 years. 
Last year I received my " change of rate notification '' letter in XX/XX/XXXX. 
This letter stated that my then current rate of 3.5 % would change according to the agreed upon formula to the new rate of 4.00000 %, effective with the XX/XX/XXXX payment. The monthly payments would now be {$1000.00} until the next scheduled adjustment in XX/XX/XXXX. 
We have an Auto-Pay arrangement and Fifth Third draws the exact amount from our XXXX XXXX checking account on the XX/XX/XXXX. 
My monthly paper statements reflected this rate through XX/XX/XXXX. 
In XX/XX/XXXX I received a letter dated XX/XX/XXXX informing me that the Bank discovered an error on my account and that the interest rate disclosure statement should have been 4,125 %. However, my payment would not change and Fifth Third will pay the difference between the two rates until XX/XX/XXXX. 
In XX/XX/XXXX I noticed that my credit rating dropped 89 points from XXXX  to XXXX due to an alleged " missed '' mortgage payment! 
The Bank statement send to me in XX/XX/XXXX is a total mystery to me. For the Due date of XX/XX/XXXX alone, there are six entries with various codes, some of which are not disclosed. My attempt to get clarification via phone conversations with four different persons has resulted only in more confusion. 
The bank has since then acknowledged that they reported the missed payment erroneously to the credit bureau and issued a letter of correction. 
While the Bank has acknowledged that they made a mistake and my payment would not be effected, they are calculating with the 4.125 % rate and therefore getting different P/I amounts which are effecting our outstanding Balance. My calculations at 4 % interest differ from the Banks calculation by {$71.00} as of XX/XX/XXXX.
Product: Credit card

I'm trying to manage my debt and lower it. My income drastically reduced from $ XXXX a year to $ XXXX a year. I don't have anything left except debt and a car payment. My household expenses are as long as I can go. I do not own a home, I rent. I'm trying to get out of debt. I have balances left with 5 cards. To reduce my debt to income ratio I need to paydown my debt. I am maxed out. Capital One and XXXX XXXX are charging 28 % interest. They have just posted they made XXXX XXXX dollars revenue this year. I am just asking for 6 months to help me out and eliminate or reduce my interest rate so I can pay down my principle. I have made ON TIME payments more than minimum for the past 7 years and paid off them multiple times. I have found myself NOT paying down ANY principle. I'm trying NOT to use my cards. I have called each one of my credit card companies to work with me at least temporarily for 6 months to a year to reduce my interest rates so I can get my principle paid down. XXXX and my bank XXXX did, but Capital One and XXXX both said UNLESS I pay late and go to collections, hurt my credit, they won't work with me. They would rather help people in trouble then help someone like me responsibile and charge me exorborant interest rates to pay for those who don't. This is UNFAIR practice. Please help me.
Product: Debt collection

i noticed on my credit report XXXX XXXX account number XXXX having incomplete and inaccuracies. i have tried to dispute this item and it still remains. now i have proof the no real fair and thorough investigation took place. i never received proof of this investigation they claim its been verified but have yet to send my any documentation on how and why it remains. first off XXXX doesn't even have an account number listed on this account and the open date is incomplete its XX/XX/2016 not XX/XX/2016. the same company reports to all three bureaus so they should all reflect the same information. if not how would anyone know that the account is accurate? it is also missing payment history and payment history is not the same across all three bureaus. incomplete and inaccurate accounts must be deleted per the FCRA and FDPCA. it shows on original amount of XXXX and a current balance of XXXX but no payment history ever. how can that be if there was no payment? and if there was a payment then it is not listed which is incomplete. either way incomplete or inaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On today XX/XX/2020 I received a letter from Portfolio Associates Recovery , LLC alleging that I owe {$820.00} to XXXX XXXX  ( XXXX is the supposed Merchant ). I've NEVER had an account with XXXX XXXX, therefore I don't owe anything. Portolio Associates Recovery, LLC has not provided proof that they are authorized to collected this alleged debt or documentation that bears my signature. This debt claim is erroneous.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account ( XXXX XXXX ) that was not reporting accurately on XXXX, TransUnion, and XXXX, XXXX TransUnion and XXXX are all reporting ( XXXX XXXX ) inaccurate listed twice with 2 different accounts when I only have 1 account with ( XXXX XXXX ) and are reporting I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint with the dates included and I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. XXXX, TransUnion, and XXXX are showing inaccuracies on this account ( XXXX XXXX ) and isn't following the law according to 15 U.S. Code 1681e - Compliance procedures. And section ( b ) Accuracy of report.