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

I am writing to dispute the erroneous reporting of two accounts on my credit report, which violates both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines. The inconsistencies and inaccuracies found across XXXX, Equifax, and XXXX data fail to meet the required standards for accurate and verifiable reporting. Please review the violations below and update the records accordingly. Any failure to correct these inaccuracies will be deemed as willful noncompliance and grounds for further legal action. 
XXXX. XXXX XXXX Account ( Account Number : XXXX ) Inconsistent Payment Status : Each bureau reports a " Late 30 Days '' status, along with a history of lates, yet lacks standardization across comments and documentation. Please substantiate or remove this reporting. 
High Credit Reporting : The high credit is reported as {$300000.00}. I request verification of this figure as it appears outdated and not reflective of accurate reporting. 
Discrepant Last Payment Dates : XXXX and XXXX report XX/XX/XXXX, while Equifax XXXX XX/XX/XXXX, violating XXXX XXXX requirements for uniformity. Align or correct this data. 
Inconsistent Reporting Dates : Last reported dates varyExperian ( XX/XX/XXXX ), Equifax ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). Such discrepancies undermine the reliability of this data. 
Terms ( Months ) : XXXX and XXXX report XXXX months, while Equifax lists 0 months, which is implausible. Please correct to ensure compliance with XXXX XXXX formatting. 
Non-Uniform Comments Section : Equifaxs inclusion of " Real Estate Mortgage, Conventional Mortgage '' without corresponding comments in XXXX and XXXX indicates incomplete data submission, which does not meet compliance standards. 
XXXX. XXXX XXXX Account ( Account Number : XXXX ) Contradictory Account Status : XXXX and Equifax report this account as " Paid, '' while XXXX lists it as " Closed. '' I request immediate clarification and alignment across all bureaus. 
Inconsistent Last Reported Dates : The dates last reported are different on each bureau : XXXX ( XX/XX/XXXX ), Equifax ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). Such inconsistency reflects noncompliance with XXXX XXXX reporting standards. 
Opening Date Discrepancies : The dates differ across bureaus for this account, which must be uniform and verifiable. 
Late Payment Status Variance : TransUnions report of a " 30 Days Late '' payment contradicts the clear Current status reflected by other bureaus, which should not stand if unsubstantiated.
Product: Debt collection

XXXX, tow truck driver, entered my gated community after XXXX when the gates were closed on behalf of One Main Financial. Proceeded to park his truck in front of my walk way disrupting the walk pattern of residents, leaving his diesel truck running loudly between four buildings, stomps up my stairs, alarming the neighbors dog, pounds on my door with something metal, screams he is here for repo, knows where I work and is going to go tell them the repo man ask for me. Further he forces a card between the weather strip stating, " you call me or all go to your work asked for you repo ''. I feel threatened that he plans to intimidate or stalk me to my place of business. After, he stomped back down the stairs all the while saying he knows where I work. He turns his truck around, backs up to my garage and try to enter the garage, he then publishes and tapes a note to the garage door stating, " Repo, if you don't call me all go to your work and said repo asked for you XXXX XXXX XXXX '' This has greatly disturbed the peace within my household and community. I was terrified to hear this person I don't know, stomp up the stairs, pound on the door with something metal, all the while screaming about knowing where I work, then forcing something into the apartment! This has upset me and my daughters. I feel like this person is going to take additional unlawful actions and further disturb the peace. I am in fear for my safety and the safety of my kids.
Product: Credit card

On XX/XX/XXXX I accidentally booked a reservation for XXXX Nights starting in XXXX of XXXX. The amount was listed in XXXX Pounds and I wanted to compare the price of a general hotel to getting an apartment for my daughter if she possibly got an internship. ( which is a 5 % maybe I will look in XXXX type of thing ). I wanted a sum total and by accident I must have booked it. I promptly canceled with XXXX and called my credit card company to tell them what I did. The amount was {$9200.00}. I have called XXXX XXXX. the hotel, and the credit card company probably in grand total about XXXX times. I submitted all my paperwork, etc. 
Bank of America ( Visa ) had someone tell me to " Use my Brain ''. 
I am now being told that not only is my reservation NONREFUNDABLE, but it is also CANCELED and I can not have my reservation back. Visa is not willing to help me get my money back even though I contacted them within minutes of this happening. 

This is UNJUST ENRICHMENT that VISA Is backing. 

I am going to fight this charge still and cancel my card. I am NOT going to pay the {$9200.00} while this dispute is ongoing and I will notify them in writing.
Product: Credit reporting or other personal consumer reports

This is formal notice that you have failed to respond in a timely manner to my dispute Federal law requires you to respond within XXXX ( XXXX ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

On from filing it date XX/XX/XXXX with the complaints about on XX/XX/XXXX of XXXX I requested for an investigation do be done on the accounts provided below. It is now XX/XX/XXXX and I have still not received any information regarding to my disputes I have kept meticulous records of all communications sent. 

With my understanding that the FCRA requires credit bureau 's to respond within 30 days of notice of the investigation. With this being said they have failed to do so and are in complete violation. I want all accounts listed below to be removed from my credit report due to the blatant violation to the FCRA. 



XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Close Paid as agreed on time I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX Please remove it from my credit report.

7. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

I make " principal only '' payments often. On XX/XX/year> I made a " principal only '' payment of {$1000.00} On XX/XX/XXXX BOK applied a " misapplication reversal '' & removed the {$1000.00} principal payment. I called them & was assured that they would put it against my principal & that they would back date it to XX/XX/XXXX. My {$1000.00} was missing from XX/XX/XXXX- XX/XX/XXXX. It reappeared on the XXXX as a " principal only '' payment. This is the XXXX time something like this has occurred. 
If BOK is doing this to several people, then someone is getting rich off keeping our money instead of applying it promptly to the correct account.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XX/XX/21 I submitted complaint XXXX explaining that I am a victim of identity theft, which I have been explaining to Equifax but they continue to make me jump through hoops to remove the fraud information from my reports. I have included the ID theft report as they have requested in this complaint because they keep saying they don't see the last ones that I sent them. Again the looked at the information that I attached and did nothing the information is still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted chase who has directed me to XXXX and Transunion. XXXX and Transunion who keeps directing me back to chase. I am an authorized user on this account and it use to show on my XXXX and Transunion but it seems they have removed the trade line in correctly. I need it to put back on my XXXX report and Transunion. I am getting no where with anyone. Below is the beginning of the account number. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I am always very careful with my credit at all times. I works very hard to pay my bills especially threw these hard times with the coronavirus. I lost XXXX XXXX that I had and I have been very devastated. But what money I was able to make I decided it was a good time to try to get rid of some of my debts the best way I can. So I was able to pay my car off and one finance company so far. None of this have been easy for me. I was so hurt when I saw my credit scores have drop 19 points. I work hard to always keep a good credit score and that not fair when you pay your debts down you end up getting penalized for it. I have tried calling the three credit bureaus and you could never get peoples who can make sense of whatever they be saying. I never miss payments on my accounts. But 19 points and as hard I have tried to keep my credit together. Also on some of my credit reports I saw about a 50 soft injuries on my reports that wasn't made by myself. That should be against the law anybody can call in about your credit or even try to get credit in your name. They be getting all of your personal information and I had to put freezes on my accounts. And that didn't seen to help much. I am wanting to pay more of my debts off and I am afraid my credit score going to drop so low. So what am I am suppose to do? That my personal information and I don't feel it sure be shared with peoples without my knowledge. This world is full of crooks and scam artists. Telemarketers everyday calls your house trying to scam peoples and they can't seen to be stop and the government can't seem to help much either. I have tried everything. I finally was able to buy me a small phone blocker at XXXX and it seem to be helping out a little. My creditors that I have paid off they said they so sorry to hear my score drop 19 points and that wasn't fair at all. They was willing to write me letters stating how well I paid on my accounts, but they can already see how well I pay my bells for themselves. So I want to know what I can do to get my credit scores back up without going back into debt? Please help this is very hurtful especially when you try so hard. This coronavirus have destroyed so many lives including mind. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have attempted on multiple occasions to resolve this issue with NCA. NCA has violated section FCRA 809 ( a ) notice of debt. I was not notified in writing of any debt or presumed debt prior to credit reporting in XX/XX/2020. I also was not provided a 30 day period to dispute and validate the debt. I initiated contact about what was reported to the credit bureau in XX/XX/2020. 
NCAA has continued to change the timing of notification yet has been unable to provide any proof of written notification, after 5 complaints with the CFPB. Misleading representation of validated debt has been recorded via credit reporting agencies and and resulted in damages to my credit file and credit reputation. If removal of all reporting is not done immediately I will seek civil liability and report these violations to the FTC within 10 days.
Product: Student loan

American Education Servicesis making it impossible for me to pay my student loan, and live. My monthly payment is almost 60 % of my monthly income and with almost {$150000.00} in student loans total, I am unable to make this payment in addition to all other bills. When trying to work with AES to lower my payment or manage pay this bill, I am met with an impossible number to just get caught up, let alone continue in good standing with these. They offer absolutely no options to help in repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get a credit freeze at TransUnion. I mailed in all the information they said I needed ( drivers license, current bills ], etc. etc. ). 

I tried to do it online but their web site would not work for me. 

I tried to call them many times, but of course that was fruitless. 

Finally I got a form letter with a form to fill out and submit all the information that I had already sent to them before. 

Clearly they do not want to help me. 

Of course I could not get through on the phone. 

I will let my congressman know of my problems also. 

This is the same experience I have had with XXXX and XXXX. 

They should be required to give everyone an automatic freeze and let us opt in.
Product: Debt collection

Calvary claim that I owe the debt and hired a law office called XXXX XXXX XXXX XXXX to collect the claimed debt, when I found out I requested with in 30 days to validate the debt using US certified mail from the law office on XX/XX/2021, who referred me to Calvary which I requested to verify the same debt in XX/XX/2021, all I received from them was questionnaire asking me question about the debt, and the only thing they refer to is a revised judgement they took without serving me and when I found out about it I immediately requested to show cause and the judgment was revised. and when I tried to call Calvary to question their behavior, they refer me to the attorney who referred me to a revised default judgement I mention earlier. Also, later on as if they register my number in there system not to go through.
Product: Credit reporting or other personal consumer reports

My account with TransUnion 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 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.

TransUnion 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 is a subsequent complaint to a complaint filed a week ago regarding inaccurately posted mortgage payments. I requested a full ledger of my account, escrow account and XXXX account for review. I am refinancing my loan with another lender and instead of sending me the requesting information, they sent me a payoff notice which does not suffice since I feel it may be inaccurate due to how they applied my $ XXXX payment made. The lender is completing my closing documents and we're still waiting for XXXX to send this information to me since I can't seem to pull 12 months of statements from the website. They are holding up the closing process.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 u.s.c 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 XXXX  XXXX XXXX # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX I went to Titlemax located in XXXX XXXX  and took out a loan for {$2000.00} and had the money deposit to my XXXX XXXX account. On XX/XX/year> I went to XXXX  to pay on the loan and added {$500.00} to the loan which I had added to my XXXX XXXX account. On XX/XX/XXXX, I logged on to the titlemax web to make a payment and saw that my balance was {$6200.00}. I checked my bank to verify the deposit for {$2000.00} and {$500.00} and then look at the loan agreement online which did not have my signature and the inflated loan amount. I tried to contact Titlemax but was unable to do so, but will go to the location on XXXX  XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account Experian is reporting as delinquent, ending in XXXX, was opened illegally. XXXX XXXX  violated my rights under the Consumer Financial Protection Act, the Fair Credit Reporting Act, the Truth in Lending Act, and the Truth in Savings Act. The attached documents explain in detail the violations and the CFPB ruling pertaining to these illegally opened accounts and violations. CFPB XXXX XXXX  - XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report in search of trying to improve my credit. After reviewing my report I notice a few inaccurate information and accounts I have never heard of that is being reported. According to the FCR15 USC 1681 ia, I read I have the right to a fair credit report and if they can not provide proof these accounts must be deleted. I also read I have a right to privacy as well as the following hospital bills that was sent to collections violated my HIPPA rights. The follow accounts has violated my rights by not reporting information accurate and/or I do not have knowledge of the creditor on my report. 
ACCOUNT NAME ACCOUNT # -XXXX XXXX -XXXX XXXX -XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX -XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXXXXXX XXXX ) XXXX XXXX XXXXXXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXXXXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. 

Here are the unauthorized inquiries in question : 1. XXXX XXXX Inquiry from XX/XX/XXXX Finance 2. XXXX XXXX Inquiry from XX/XX/XXXX XXXX 3. XXXX Inquiry from XX/XX/XXXX Bank 4. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX 5. XXXX Inquiry from XXXX XXXX, XXXX Finance
Product: Credit card or prepaid card

I have Vanilla gift cards that were missing but have recently been found. They all have the purchased value but the expiration date is past. I cant seem to be able to have replacement cards issued. Its a complete run around when calling Vanilla Visa customer care.