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

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You replied that the alleged transaction you furnished as late was { accurate/ verified } but my previous dispute did not ask you for accuracy or validation. 
You furnished to { XXXX, XXXX, and XXXX ' } put the CRA that is reporting the late payment } an alleged transaction as Late.

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date. 
I requested the information that must have or possess by law in order for you to furnish a payment as late. 
This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met.

You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. 
It has been over 30 days and you have not properly verify the information. 

Id. at XXXX ; see also XXXX XXXX XXXX ( 11th ed. 2019 ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXX, XXXX XXXX at XXXX. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account.

Delete the information you are furnishing to the Consumer Reporting Agencies as late from account. 
Your Name XXXX  XXXX Without Recourse UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 purpose.
Product: Debt collection

The doctors office set up a payment plan. They fixed the billing error. But trying to reach the debt collector to verify this collection notice seems impossible. They will not answer the phone and to find out if they closed the collection on their end to prevent a judgement. The automated attendant answers then tells you to call back later. I have called multiple times.
Product: Debt collection

Enhanced recovery is reporting an account on my credit reports which it said it would deleted ... The account was paid & should have not been placed on my credit ... Enhanced Recovery is aware of the issue & agreed to remove ... I need this removed at once as it impacting my ability to get a loan
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies continuously disrespect the laws. I have showed them on many occasions, how they are violating the Fair Credit Reporting Act. 
According to 15 U.S. Code 1681i ( 5 ) the credit agencies must modify or delete accounts that are not reporting accurately. 

According to 15 U.S. Code 1681b ( 1 ) the credit agencies dont have any written permission.

According to 15 U.S. Code 1681 I have the right to privacy.

According to 15 U.S. Code 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can further expand on the negligence. 

The credit agencies have no respect for the laws or me as a consumer. 

They should be held accountable for their daily actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is TransUnion. On XXXX I called them to lift a fraud alert on my credit file. The representative first insisted that there was no fraud alert on my file, and kept reading from a script. I knew that was incorrect. He then said there IS a fraud alert on my account, and I reiterated that I wish him to remove it. He returned to his script which was unresponsive, and when I tried to stop him to get him to do what I had asked, he left me hanging for XXXX minutes and then discounted the call. This is the worst customer service I have experienced in my XXXX years of life. In addition, and perhaps less importantly, it took XXXX minutes of inputting all requested data in response to multiple prompts before I was able to reach a representative.
Product: Mortgage

XX/XX/XXXX-XX/XX/XXXX- US Bank trying to pass an XXXX charge to XXXX   XXXX when the charges were never reflected to present time XX/XX/XXXX to be repaid. Nor reflected for IRS as Escrow is. The Mortgage dept at US Bank failed to give me appropriate time to pay, never reflected in on-line statement each month for repay, nor in letter closing the mortgage in XX/XX/XXXX stating my new monthly payment with XXXX- nothing more.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> and XX/XX/year> I had three fraudulent charges on my debit card. First charge was XXXX purchase in the amount of {$2000.00}. Second charge was XXXX XXXX money transfer twice. {$2300.00} and {$1100.00}. I went into Chase bank branch and reported the fraudulent transaction. The claims department denied my claim twice. The claims department says those transactions were authorized even though they were not. Chase bank is holding me responsible for charges I had nothing to do with. They had me contact there executive office and still Chase bank is holding me responsible for the charges I did not make or authorize. Im very upset that Chase Bank isnt backing me up. Chase advised me to call the merchants. I called XXXX and they wouldnt refund the money. I called XXXX and found out the items that were purchased were XXXX XXXX XXXX gift cards. I called XXXX XXXX and they wouldnt refund me the money. My resolution have the money refunded to me as I did not make or authorize those transactions listed above.
Product: Debt collection

I have a debt with Procollect from student living apartments that I lived in. Im also in the military. I provide the apartment complex my orders because I had to leave and travel to other states during COVID. So I presented them my orders, they allowed me to break my lease and I moved out. Years later I get a notification saying I have a XXXX debt with them. I provided procollect all the information they needed and to show that I did everything on my end. They still are trying to collect this debt and it is messing up my credit and I just want it removed. If I owed I would pay but I dont owe anything. Also the dates in question are from XXXX to XXXX of 2021 which my orders show. I have other orders to show I was constantly leaving which is why it was best for me to move out.
Product: Debt collection

I have attempted to contact Credit Management in regards to reporting inaccurate information on my credit profile in the amount of {$520.00}. I am requesting that Credit Management follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature I expected to receive the proof requested within 15 days of the letter. They have continued to ignore my request for validation of the debt and I reserve the right under my consumer rights as specified under both the FDCPA and the FCRA for requested information above.
Product: Vehicle loan or lease

Account Name : Flagship Credit Accept XXXX I was marked 30 days late on my credit report. I am XXXX XXXX Veteran currently living in a hotel in Virginia awaiting my purchase loan transaction to be approved. I was informed by my mortgage professional about this late payment and on XX/XX/2020 i called Flagship and explained my situaton and they told me that i was 66 days late and since i did not receive the paperwork package for relief under the CARES act that they would not help me and apparantly these lates are hindering me form getting this loan I brought the account current. I feel like im being taken advantage of. I thought the CARES act was set up for people like me who NEED help under this pandemic. All i am askins is to have the late or lates from 2020 removed from this account. Can you please help me and my family not become homeless
Product: Mortgage

PAYOFF ISSUE : Last Thursday, XXXX, XXXX, 2015 at approximately XXXX XXXX I contacted my mortgage holder Green tree, soon to be XXXX, and requested my payoff in writing on their letterhead to be faxed to a number I provided and attach an E-copy to my account online.. I made this request verbally and again later by E-message through their website. I told them I needed by Tuesday the XXXX to close on the sale of my property. The representative told me I would it have by then. I called back Saturday verified with representative it was in process. By Tuesday the XXXX, I had not received the payoff in writing. I called XXXX who informed me it was taking longer to process. I then spoke to a leader named XXXX XXXX # XXXX who continued to tell me it was in process but could n't commit to when I would have it. This is stopping the sale of my home, the buyer may back out. This an urgent issue. I rescheduled closing for this Friday, but title company must have payoff in writing by Thursday the XXXX.
Product: Mortgage

I asked for and received a Covid-19 deferment. I was under the understanding that the deference wouldn't effect my credit report. Which the loan company has reported and effected my credit rating. I also asked for a refinance, an IRRRL, which was denied since I was in a deference status according to PennyMac Home Loan Servicing representative ...

I recall a letter being sent out by the CFPB to certain lenders to comply with the CARES Act. PennyMac was on the list.
Product: Debt collection

I paid this company in full, still trying to collect more money ; which is not owed.The company is XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

Due to the defective escrow calculations in my mortgage, the lender increased my monthly payments by {$450.00} a month, beyond what I can afford. To correct this problem I am attempting to refinance my mortgage since the six month waiting period mandated by FHA has expired. This refinance is time sensitive as it has to be complete before the lender pays the next property tax bill this month which puts the escrow account into a negative balance. 

To make this happen correctly, I contacted Plaza to get the automatic draft of the mortgage payment from my bank account stopped and the tax payment delayed. I was assured both verbally and in writing that both of those things had been done, yet Plaza still drafted the payment out of my bank account. This has put the brakes on my refinance as it has totally changed the payoff amounts and affected closing costs.

I have been in contact with Plaza several times over the last two days since they did this and am getting nothing but run around. They promise calls back that never come and can not provide any explanation at all as to why they can not just fix their mistake. Their actions, whether spawned out of complete incompetence or being done out of a willful attempt to prevent my refinance so they can continue to collect interest, are going to cost me a substantial amount of money.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 
XXXX XXXX XXXX XXXX {$7400.00} XXXX XXXX {$37000.00} XXXX  XXXX {$1900.00} XXXX XXXX {$810.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX {$730.00} XXXX XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$96.00} XXXX XXXX {$200.00} XXXX XXXX XXXX {$8400.00} XXXX XXXX {$4000.00} XXXX XXXX {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/XXXX, a debit/bank account was opened with USAA followed by an unsecured loan that was taken out using my information electronically. I was not made aware of this action until XX/XX/XXXX when I reviewed my credit report. Immediately I contacted USAA, in order to dispute this action. USAA did not notify me of the account via email. At the time of the loan being taken out, address information was not correct. The address on file with USAA was listed as XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( where I lived up until XX/XX/XXXX ), however, my address at the time was XXXX XXXX XXXX XXXX, MD XXXX ( where I lived from XX/XX/XXXX to XX/XX/XXXX ). I updated address information with the post office immediately after moving. After the incident, I notified the major credit bureaus, in order to place fraud alerts and credit freezes on my report, as well as contacted the FTC to report the identity theft. Following this, I contacted the police department to file a police report of the incident in XX/XX/XXXX. I have made several attempts at disputing this account with USAA. They have advised me that the account and the loan was not done fraudently. A detective working on the identity theft investigation has also determined that the activity is fraudulent and was committed by spouse. The investigation concluded on XX/XX/XXXX and Detective XXXX XXXX with the XXXX County PoIice department delived the results to me. I have since seperated from my spouse and I am in the processes of getting a divorce ( filed XX/XX/XXXX ) due to this action, as I was unaware that he committed this. This account and loan was opened up without my knowlege or consent and I am struggling with USAA on having is resolved. USAA has refused to give me any actions on how this can be removed, despite my submission of a police report and identity theft report. I have taken all neccessary steps and reccommend actions, but I feel that this is unfair for USAA to continue to hold me responsible for a fraudlulent debt. I have tried to contact USAA multiple times and have spoken to different departments regarding this issue. It is difficult and time consuming to get ahold of someone and I have spend countless hours on the phone. I have also written and mailed letters to USAA and the 3 major reporting credit agencies. The loan is currently being reported as a charge off and is negatively affecting my credit.
Product: Checking or savings account

On XX/XX/XXXX I was notified by a contractor that they hadnt received payments for 4 months. On XX/XX/XXXX they had sent me an email asking to update their direct deposit information. Apparently, XXXX did not flag this email as fraudulent and they updated the contractors contact information. I updated the bank account info as requested from them but it was a scam. I immediately called the bank they updated it to and also my bank. The bank they had me update it to ( XXXX ) said they couldnt do a reversal without the scammers permission which is silly. My bank ( Huntington ) said that since I knowingly sent the money that they didnt see it as fraud. I had my contractor email me saying this email was not sent by her but my bank still is denying reversal. The total over the 4 months of deposits was {$730.00}.
Product: Credit card

On XX/XX/XXXX I received a charge to my credit card for {$1900.00} for Texas fortified roofing which was fraudulent. I immediately canceled the card and reported it. I also received an email from XXXX  that was a supposed receipt of my purchase. The next day, I called this roofing company which is located in XXXX, Tx where I do not live. I reached out to this company who were so kind to look into it and said they did not receive the money and had no idea what I was talking about. They are a small local company. They also called and reported fraudulent activity to XXXX, the payment used. The next day on XX/XX/XXXX, I received an email saying XXXX  had linked my card to XXXXXXXX XXXX XXXX but no purchases were made as the card was canceled. I received a credit to my card and was assured it would be investigated. Unfortunately Bank of America did NOT investigate this and instead closed the case and charged my credit card for {$1900.00} because they state the receipt emailed to me was proof I made the purchase. This is not investigating and shame on Bank of America for insulting me with providing a receipt with no signature or anything from me as proof I made the purchase. A simple phone call to the business and a true investigation would have shown it was fraud.
Product: Money transfer, virtual currency, or money service

PayPal suspend my account for no reason and is holding my money up to an 180 days for no reason
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the deletion of inaccurately reported accounts on my credit report maintained by Equifax. This action is justified due to persistent inaccuracies and failure to comply with the Fair Credit Reporting Act ( FCRA ), despite my repeated efforts through multiple certified letters to Equifax and direct disputes filed with your bureau. 

Disputed Accounts Requiring Deletion : XXXX  XXXX Account ( XXXX ) WebBank/Fingerhut Account ( XXXX ) These accounts have been reported with significant errors in their status and balance, and despite my efforts to rectify these through proper channels, including numerous certified letters and disputes lodged directly with Equifax and through the CFPB, compliance has not been achieved. The continued reporting of these inaccuracies is detrimental to my financial standing and violates my consumer rights. 

Key Points of Non-Compliance and Request for Action : Repeated Disputes Ignored : I have sent multiple certified letters to Equifax and filed disputes with the CFPB, none of which have resulted in the correction of the erroneous entries. 
Demand for Deletion : Due to the ongoing non-compliance and lack of proper verification as required by FCRA and XXXX XXXX standards, I insist on the immediate deletion of these accounts from my credit report. 
Legal Notice : This letter serves as formal notice of these unresolved disputes and my intention to pursue further legal remedies if these inaccuracies are not corrected within the mandated timeframe of 30 days. 
I urge the CFPB to initiate an immediate investigation into these discrepancies and to enforce corrective measures on Equifax to amend my credit report as per federal requirements, specifically focusing on the deletion of these disputed entries. 

Thank you for your prompt attention to this critical issue. I look forward to your confirmation of the receipt of this letter and a detailed response outlining the actions that will be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

My home address for the last 38 years has been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx,  XXXX . We did have at  one  point a property on  XXXX   XXXX   XXXX   XXXX   XXXX , Tx. On my credit report, there are  XXXX  addressess I have never lived at and I have no idea who they pertain to, these addresses are  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  and  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX , tx  XXXX .
Product: Credit reporting or other personal consumer reports

Experian This is my XXXX  time contacting you about these fraudulent inquiries showing up on my credit report. I previously sent you a request to investigate these inquiries and to remove them from the credit report. 

I have already contacted every creditor directly and they have no proof of the permissible purpose of the inquiries. 

Once again, let me be clear that I have already contacted every company listed and most do even not have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent inquiries immediately. 

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