23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

renewed collection dates are being reported on several accounts. I have disputed the accounts with the collection bureau. One in particular, XXXX reports that the debt is new as of XXXX/XXXX/XXXX, However, XXXX deleted from my report XXXX XXXX, XXXX XXXX XXXX {$1300.00}. XXXX shows the first date of delinquency XXXX/XXXX/XXXX. When a credit report is pulled this debt is reporting as delinquent on XXXX/XXXX/XXXX. I have attached the dispute that now reflects removal of the debt in XXXX. But is still showing the debt delinquent on XXXX/XXXX/XXXX. I have attached the dispute showing removal date updated and not the reporting date.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX{$3600.00} XXXX XXXX XXXX, XXXX XXXX {$250.00} XX/XX/XXXXXX/XX/XXXX {$100.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINICIPAL IS NOTICE TO AGENT Transunion you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
1. XXXX XXXX XXXX - {$630.00} 2. XXXX XXXX XXXX XXXX- {$24000.00} The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

You and your inaccurate reporting have damaged my livelihood 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something As defined by the IRS Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS clearly says a cancelled or charge off is income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 says you Transunion are a furnisher of information to a consumer reporting agency.

YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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.

If you continue to report this account this is considered willful noncompliance.

15 USC 1681 s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A persona shall not furnish information relating to a consumer to any consumer reporting agency if - ( ii ) the person has been notified by the consumer, at the address specified by the person for such notices the specific information is inaccurate ; and ( ii ) the information is in fact inaccurate.

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact inaccurate.

The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting.

This a final opportunity to cure and delete this erroneous inaccurate account from my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I am requesting proof of written authorization to administer the ESTATE of XXXX XXXX. I am the True Executor. 
I also want to request a copy of my CONSUMER FILE, not my consumer report, sent to the address listed above immediately. FOI Act 5 U.S.Code 552. Thank you in advance Best, XXXX  : XXXX All Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy discharge on XX/XX/XXXX and have attached it to this complaint. My complaint is against T.U. Consumer Relations, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX. I have attached a copy of a denial. It says reason for denial : # of months since 30 days past due is too low, accounts in collection or 30 days past due, High ratio of accounts past due. How can this be since I was in a 5 year bankruptcy that was recently discharged on XX/XX/XXXX? Every single one of my debts that had any balance on XX/XX/XXXX was included in my bankruptcy. There is nothing on my credit report that was not included and that has not been discharged. That said, it is against bankruptcy laws for TransUnion to make the statements they made in this denial and no creditor is allow to show me past due, charged off or having a balance. TransUnion and the reporting creditors are in violation of the Discharge order. It this matter does not get resolved through CFPB, I will be filing an injunction through the bankruptcy courts.
Product: Credit reporting or other personal consumer reports

please remove accounts i did not open under section XXXX FCRA
Product: Credit reporting or other personal consumer reports

I RECENTLY LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THESE ACCOUNTS ARE HURTING MY ABILITY TO OBTAIN CREDIT. PLEASE REMOVE THESE ACCOUNTS AND SEND ME A COPY OF AN UPDATED CREDIT REPORT
Product: Mortgage

Ocwen never wanted to negotiate. We started the Foreclosure proceedings since XXXX. I hired an attorney to protect my rights and I also claimed Bankruptcy Chapter XXXX in XXXX in thinking Ocwen would be willing to do a Modification. I originally included Ocwen in the Bankruptcy payments however after noticing that they did not want to negotiate for me to keep my home I removed them from the Bankruptcy payments. I had to move out of property luckily my attorney XXXX XXXX was monitoring my home and advise us to move out by XX/XX/XXXX. The house was put in auction and the bank ( Plaintiff ) never sold the house they kept for the amount that I wanted to buy it for. They never reach out to me to see if I wanted to keep the home. I notice recently that the house is still vacant and my attorney has advise me to put a complaint in with your company to see what you can do.
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies, No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). 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 ( FCRA, 15 U.S.C. 1681 ). Yet again, Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ( FCRA, 15 U.S.C. 1681 ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
Product: Credit card

I received a call from target in regards to a credit card application. I did not apply for their credit card and other than my name and a previous address, the other info given did not apply to me. Target marked the application as fraud and suggested I report the problem.
Product: Credit card or prepaid card

I requested to be on auto pay the company said it went through later on I had a late fee due to them never processing the auto pay and i have been trying to settle this since XXXX and they have charged me late fees and interest for the last 5-6 months I have never missed a payment with them in 4 years now due to an error on their behalf my credit has went down XXXX points
Product: Credit card or prepaid card

I made a payment on X/X/17 in the amount of {$2200.00}. When I checked my account on the following business day I had noticed that the payment was still not posted to my account. I immediately contacted customer service for capital one. When I spoke to the representative they informed me that there will be a 5 day hold on this account because of the amount of payment has never been made from this account before. I asked them what does the amount of me paying my balance have to do with them placing a hold on my account. The represenative told me this was there policy. Then on X/X/17 I contacted capital one again because I noticed the money had been debited from checking account with my bank. I inquired why they had taken the money and still not updated my available credit line. The represenative once again told me that this is there policy and this would have to be verified through the bank. I asked them why they would debit my checking account and not make my credit line available. The represenative informed me that this would take 5 days to resolve and could not offer any other solutions. I feel there business practice is unfair and really should not treat good customers in this fashion. I was attempting to decrease my account balance and this is the treatment I received after being a loyal customer for the past 5 yrs. The  represenative was very eager to close my account and continued to ask me over and over again did I want to close the account. The represenative name was ( XXXX ). I told her that I really want to close this account but I am fully aware that closing a credit card decreases your credit rating. I would like to see my credit line available to me and never have to be treated and such a disrespectful fashion. The represenative even insinuated that this may be fraud and questioned if I was the actual account owner of the checking account. This was very insulting and humiliating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my information for XXXX XXXX. I've been paying it to keep from getting a negative mark on my credit. But I was XXXX during the time the account was set up. 

XXXX XXXX - Balance {$8100.00} Credit limit {$9800.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Experian decreased by XXXX XXXX by XXXX point due to my car payment being late. My car loan is XXXX XXXX paid off and Ive never been late on a payment since I purchased my car. Once I put in a dispute explaining that my one and only late payment has been made of ( {$610.00} ) my score hasnt change any. I dont understand how one late payment can change your XXXX XXXX by over XXXX points but once its paid my XXXX XXXX doesnt move back at all? Not even one point? I dont think Experian is accurate with the way they make changes to my XXXX XXXX or the way they handle my disputes. I always have to dispute things with them. Just last month they has my student loan ( {$42000.00} ) listed twice showing twice the balance ( {$85000.00} ) Once for XXXX and then once for Dept of Education. When I spoke with Dept of Education they said they are not a loan service company so they would have never reported that to Experian. Once I filed that dispute with Experian on XX/XX/18 they removed the Dept of Education loan that should have never been listed on my credit report in the first place. I am not sure who is retrieving my dispute info or who makes the changes to my XXXX XXXX but I will be filing complaints with as many agencies as possible about the way things are reported and the way they affect my XXXX XXXX. Also the difference in my XXXX XXXX with all three bureaus which makes no sense to me being that I am the same person so the same information that is on one report should be on the other or pretty similar. My XXXX or XXXX scores are nowhere near my Experian which tells me that there is a lot of inconsistencies in the way things are reported so that is why I am filing a complaint on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED INQUIRIES DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE INQUIRIES ARE DUE FOR REMOVAL OFF MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three consumer reporting agencies a letter asking to investigate certain accounts on my consumer report. I received the results from the investigation from Experian and XXXX, and they failed to provide me with the contact information of the individuals they spoke with to get this information. Also, the accounts I highlighted can not be verified as I have no contract with these companies. Three companies in particular, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX all have acquired my personal and private identification information without my consent. Not only did they take my information, they CREATED ACCOUNTS with my information just to harass me with claims of owing an alleged debt. That is IDENTITY THEFT. 

Pursuant to the FCRA, any consumer reporting agency may furnish a consumer report in accordance WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates. I NEVER, EVER gave ANYONE consent to take my information and do whatever with it, just for their benefit. So how and where are these people getting my information from if I never gave it to them in the first place?? The FCRA also states that consumer reporting agencies shall disclose to the consumer the identity of the person they spoke with. That includes the name, phone number, and address. However, that information was not disclosed to me, instead they have it as " Verified '' on my consumer report, with no evidence behind it. 

Why do I have to verify my identity when it comes to MY information, that I NEVER even gave ANYONE consent to have in the first place?? You can't even identify someone over the phone or mail! But for some reason, there is no verification when it comes to them putting false information on MY consumer report, when in fact the LAW says it shall be. I'm tired of the fraudulent and deceptive practices. It's harassment and abuse, and needs to cease immediately. 

I am giving the consumer reporting agencies MY CONSENT to reinvestigate this matter.
Product: Credit reporting or other personal consumer reports

I have a 12 year Conventional Mortgage through XXXX Bank, XXXX, NY that was to be paid up in XXXX, XXXX. I have made additional principle payments during the year so I could pay it of in XXXX, XXXX. It showed in XX/XX/XXXX that I owed approximately {$4600.00} on the mortgage, so I paid {$2300.00} in XX/XX/XXXX and figured to pay the balance off in XX/XX/XXXX. I received a notice from XXXX Bank showing I had a short pay on my mortgage payment for that month for approximately {$300.00}. I contacted XXXX Bank about it and spoke to a gentleman in the mortgage department and I explained that i would pay the balance in XX/XX/XXXX and he told me that that would be OK. So I did not make the small payment. Now, I received a notice from the Credit Report that my excellent credit of XXXX was brought down to XXXX. After 12 years of payments, the final XXXX payments caused the problem. I have contacted XXXX Bank and they told me the only way I can get this removed is to do this complaint and when it gets back to them, they will take care of it. so this is it!
Product: Credit reporting or other personal consumer reports

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at ali The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested assistance with all three bureaus Experian, XXXX, and XXXX XXXX credit reporting agencies ( CRA ) and their subsidiaries as well as XXXX. I reached out numerous times in XXXX and 3 times this year, each time my credit score continues to decrease. I sent letters and called, which is a daunting task to say the least. My credit score went from XXXX to XXXX in XXXX and continues to fluctuate substantially. The CRA continues to report late payments when XXXX loans are deferred or in forbearance. The voluntary dismissed bankruptcy is in error as well. I never had a XXXX  account, a few other accounts are also invalid. I have requested to dispute old and erroneous addresses and personal information. I don't use alias names and these items are also incorrect. 
Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$2300.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX 
XXXX ) XXXX Balance : {$290.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I initiated a refinance home loan now serviced by Caliber Home Loans ( Caliber ). 
I set up automatic payments to Caliber through the XXXX XXXX XXXX XXXX ( XXXX  ), which used the iPay Bill Pay Service from XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
Automatic monthly loan payments ( {$1300.00} ) started in XX/XX/XXXX. 
Monthly payments were routinely sent from the XXXX to Caliber, in check format as scheduled from XX/XX/XXXX, through XX/XX/XXXX, via XXXX XXXX. 
In XX/XX/XXXX, Caliber notified XXXX XXXX they would stop accepting payments in check format, and would begin only accepting electronic payments instead. [ THIS CALIBER INITIATED ACTION is root cause # 1 for the missed payments ] XXXX XXXX then stopped check number XXXX ( the XX/XX/XXXX payment in process ) to change the payment method to electronic. 
However, Caliber REJECTED the subsequent electronic payment from XXXX XXXX for XX/XX/XXXX. [ THIS CALIBER INITIATED ACTION is root cause # 2 for the missed payments ] This rejection DEACTIVATED the XXXX XXXX XXXX reoccurring payment to Caliber, that was previously set up. 
Caliber immediately reversed itself and notified XXXX XXXX to change the payment method back to check format, as they had NOT completed their set-up to accept electronic payments. 
Since the automatic payments were deactivated by the series of actions initiated by Caliber, the XX/XX/XXXXand XX/XX/XXXXpayments due to Caliber went unpaid. 
As I was on an XXXX XXXX in XXXX, and thinking my payments were automatic, I was not aware these payments were late until my return to the US in late XX/XX/XXXX. 
Upon my return to the US, I immediately scheduled the late XX/XX/XXXX and XX/XX/XXXXpayments. 
The XXXX 's XXXX XXXX XXXX again started sending payments in check format to Caliber, automatically as scheduled, as Caliber still had not set up to receive electronic payments. 
ONLY in XX/XX/XXXX, 3 months after their initial communication, did Caliber complete their set-up and begin receiving electronic payments from XXXX and XXXX XXXX. 
I have never missed any payments on this loan ( or any previous mortgage ) prior to, or after the payments impacted by the Caliber initiated actions. 
Had Caliber not rejected the first electronic payment attempt, made at their request, these late payments would have never occurred.
Product: Debt collection

I was reviewing my credit report and I saw there was a {$100.00} debt from a debt collector for a co payment that I owe. I was shocked because I never received anything to pay the {$100.00} and no attempts to call me before they will report to my credit. I thought the debt collectors have to send you something in writing before they can do anything and give me the option to dispute if I choose. I received nothing!!!! I think this would be a violation of the FDCPA.
Product: Vehicle loan or lease

This is in reference to complaint # ( XXXX ) that was filed through CFPB the accused debt was consolidated through my insurance policy I also filed a complaint through the CFPB concerning the matter of the insurance company for not honoring the insurance policy that complaint number is ( XXXX filed through CFPB ) This has caused inadequate information on my credit. I would also like to have full documents from the property adjuster that evaluated the damages before American credit acceptance removed the vehicle from the impound it is in the best interest to take this matter up with the insurance company to resolve the above statement