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

On XX/XX/XXXX, I utilized the Fair Credit Reporting Act ( FCRA ) Section 609 letter template, as stipulated by the law, to initiate a formal inquiry with TransUnion, one of the major credit bureaus, concerning inaccuracies on my credit report pertaining to three XXXX accounts. On XX/XX/XXXX, TransUnion sent a letter, via mail, both acknowledging the receipt of my FCRA-compliant letter and delivering the results. 

The results revealed that TransUnion had consulted with XXXX to include the current date and identified the balances on all three accounts as being PAST DUE. These accounts are incorrectly labeled as " past due, with {$0.00} per month being paid. We have been making on-time monthly payments of approximately {$2500.00} to XXXX since XX/XX/XXXX. Importantly, these accounts are current and up-to-date as outlined in the legally binding settlement and confirmed via adherence to the agreed-upon payment schedule. 

I argue this settlement is a mutual legal agreement between all parties involved, and in this case, XXXX had revised the loan amounts, which we had accepted. Since XX/XX/XXXX, we have been making monthly payments in accordance with this settlement agreement. As per the FCRA, credit reports should accurately reflect one 's credit history and current status, and TransUnion 's reporting of the current status of these accounts is incorrect, as it fails to acknowledge my on-time, recurring payments. Surprisingly, TransUnion chose to accept XXXX 's position without further inquiry or investigation. This practice contributes to numerous instances of misrepresented and inaccurate credit reports, and I firmly believe that credit bureaus should be held accountable for failing to exercise sound and fair judgment. This flawed system disproportionately affects lower and middle-class individuals, resulting in higher interest rates and loan denials. Furthermore, it often impacts employment prospects as employers frequently check candidates ' credit histories, thereby infringing on our right to economic liberty. 

Attached, you will find the following documents : 1. The FRCA letter sent to TransUnion on XX/XX/XXXX XXXX. The final dispute result from TransUnion, received via mail on XX/XX/XXXX - Part XXXX XXXX. The final dispute result from TransUnion, received via mail on XX/XX/XXXX - Part 2
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment and frustration regarding the ongoing issue with fraudulent items persisting on my account. Despite my repeated attempts to resolve this matter, I find it incredulous that I am now compelled to address this for the XXXX time. Despite my efforts and the assurances I received, the fraudulent charges persist, and the promised action remains elusive. The repeated failure to address this issue is utterly unacceptable and reflects poorly on your company 's commitment to customer satisfaction. I have provided ample evidence and cooperation, yet the fraudulent items continue to mar my account, causing me undue stress, inconvenience, and financial harm. I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this egregious oversight be waived without delay. Furthermore, I expect a formal apology for the prolonged neglect and the distress it has caused me. With this, I am asking for your assistance to remove these fraud items in my credit file  : XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX  XX/XX/year> ; XXXX XXXX Balance : {$3100.00}.
Product: Debt collection

An American Express representative, XXXX specifically told us to send our power of attorney and change in contact information ( with sensitive financial information ) to the fax number XXXX. The American Express representative stated this was an American Express fax number. 

After receiving a call from an unknown company that represented themselves as American Express at XXXX. It asked for our credit card number. 

We then directly contacted American Express. An American Express representative, XXXX, told us they received the fax but that they would only take hard copies, in spite of the earlier call. 

Although the American Express representative gave us a mailing address that was identified as an American Express address, it is not. It is the address for a company named XXXX. 

We again called American Express representative who told us that XXXX had no connection to American Express. She also verified that our account was not sent to a third party debt collector. 

This is fraud.
Product: Vehicle loan or lease

I financed a new loan with wells fargo dealer services in XXXX throughout the loan my mother was diagnosed with XXXX XXXX and passed away in XXXX, payments made were spotty, a couple months at a time, made some, missed some etc, in ultimately the truck was picked up by a repossion company, right away I had a buyer for the truck for the pay off like XXXX, was 6 months getting title, but in mean time Ive gotten back on my feet, applied for some loan and the repo/ charge off appears on my credit report. I hire a credit repair company and I dispute the chargeoff as the truck was paid and sold paid in full. They would remove it and place it back on we dispute they remove it and it keeps coming back. My real question or concern is I keep receiveing checks from wellsfargo dealer services for over payment on the truck, and yet the negitive remarks remain on my credit. I have received like 5 checks inthe past 5 years, I would like to see the negitive remarks removed as the truck was more than paid for. 
Thank you XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX was at a car dealership to purchase a vehicle for my daughter and initiated a loan for the vehicle with intention to pay loan in full upon the first statement being received. The original loan amount was {$16000.00} which apparently accrued interest even though I did not receive my first statement on/about XX/XX/XXXX. I called the institution, M & T on XX/XX/XXXX and spoke to a XXXX and then a Supervisor XXXX advising I would like to pay the original loan amount off and if the accrued interest on the loan by waived. I explained I didn't have an account number or phone number to call as the car dealership did not provide my with any information about paying the loan off in full. The Supervisor asked when I would be making payment on the original loan amount and I told her that day ( XX/XX/XXXX or XX/XX/XXXX ). I made payment for loan on XX/XX/XXXX, making two payments which was received by M & T Bank on XX/XX/XXXX. I went to M & T website on XX/XX/XXXX to see if my balance was XXXX and saw there was still a balance of {$99.00}. I called M & T Bank on XX/XX/XXXX and spoke to a XXXX  who told me that a decision on my original request back on XX/XX/XXXX couldn't be made because payment had not been received. She put in another request with their back office and advised I should call back on Friday, XX/XX/XXXX. I then spoke to a Supervisor XXXX who wasn't very helpful. He advised that I signed a contract acknowledging interest would accrue on the account and it was my obligation. I advised I made payment immediately after speaking with Supervisor back on XX/XX/XXXX and don't understand why I have to make a 2nd request to have any accrued interest waived. Supervisor XXXX told me interest will continue to accrue until payment is made even when I call back on Friday XX/XX/XXXX to find out if my request is approved or not. Considering we have been in a pandemic ( COVID19 ) for the last 2 1/2 months and most banks have drive up service only it is very hard to try to go into a branch and  speak to someone. Had I not gone online to check my balance I wouldn't have known my original request to have the accrued interest waived was not approved or decision couldn't be made because they claim payment had not been received ( which it was, 4 days after speaking to Supervisor on XX/XX/XXXX or XX/XX/XXXX ).
Product: Credit reporting, credit repair services, 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 USC 1681.

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 an 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 1681 s-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. 

XXXX XXXX XXXX ACCOUNT NUMBER- XXXX
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 3 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 corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX* - Collection XXXX XXXX - Collection XXXX XXXX XXXXXXXX - Collection XXXX XXXX XXXX XXXX - Collection XXXX XXXXXXXX - Collection XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I contacted my bank over 5 times trying to describe the issues I faced and hard time stoping payments after losing my job due to covid. I also noticed that the bank had changed me a XXXX $ overdraft/return check fee for the same charge. Rather then investigating they provided me a screen shot of the times they had waved a fee. Im a customer of over 10 years and being charged over 250 $ in fees in one month and some being duplicated is not fair and I believe this banks practices have crossed several lines. Im referring to all fees from XX/XX/22 to XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment is incorrect and needs to be updated on all 3 reports consistently. Have filed disputes with 3 bureaus but still shows wrong information.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX from XXXXXXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
XXXX from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my information for apartment leases and try to open a credit and also trying to get loans
Product: Debt collection

I am writing to record and dispute the attached letter that I have received XX/XX/2020, ( enclosed copy ) from Valor Intelligent Processing , LLC. 
I believe this is a collection scam as I dont owe money to XXXX XXXX XXXX. 
Valor Intelligent Processing , LLC called me, XX/XX/2020 @ XXXX XXXX  EST, from the following phone # : ( XXXX ) XXXX alleging I owe {$2200.00}. They requested I provide a credit card number over the phone for payment. When I refused, the female operator got quite belligerent with me ; demanding payment. 

I then requested a letter from her without providing any contact information to her. I received this enclosed letter XX/XX/2020. 

Please investigate this matter and contact me as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been breaking the consumer law and violating my rights for the and refuses to comply with the law and fix their mistakes on my credit report. 

I am not liable for this debt with 1.C. SYSTEM, INC do not have a contract with them, my debt is with XXXXXXXX XXXX so I dont even know why they have access to my personal information which is a violation of my rights! 
15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states 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 calls to believe the information is inaccurate. I demand this account to be removed from my credit report all 3 bureaus immediately and Cease and Desist all communication with me.
Product: Mortgage

Rushmore Loan Management Services has continued to give me conflicting stories on why an analysis of my escrow account has increased my monthly payment. Additionally, Rushmore failed to have the proper documentation on file causing my taxes to go delinquent. They stated to me that they had the wrong parcel number causing my taxes to go delinquent. Rushmore failed to notify me of their errors verbally or written and in the meanwhile, I've received dozens of letters from private organizations offering to help me with delinquent taxes. In talking with Rushmore, they are blaming XXXX XXXX XXXX and not taking ownership. After speaking with a lady named XXXX on XX/XX/2018 and not receiving a call as agreed upon on XX/XX/2018 or a letter in the mail, I spoke with a lady named XXXX who informed me my monthly payment was going to go up 41 % based on Rushmore mistakes. This is unacceptable and I should not have to bear the mistakes Rushmore has made. This is totally unacceptable and Rushmore should be held accountable for very, very shady business and ethical practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting false information regarding credit card balances and credit scores. After numerous complaints to equifax and verification From credit companies that updated information WAS REPORTED, equifax has yet to update the proper information.
Product: Mortgage

We started a morgage with home town lenders out of XXXX AL the second week of XX/XX/2019. 
We chose to change companies when the broker we are working with left home town lenders. 
I have contacted them through two different individuals both with emails so it would be in writing that we have chosen to leave and go with another lender. 
However we have gotten the run around over our appraisal needing to be released to our lender, they will not even let me know the full cost so that I can pay for it. 
Home town lenders is supposed to work for their customers correct? 
Their doing nothing but causing us unwanted grief I feel because we decided to move to another lender. 
I contacted their cooperate office today, and still have no updates, I feel they are dragging their feet because they know they can. 
Could you please help us receive the cost total so we can pay it and help us be sure they forward the appraisal document so you can close on our house. 
Thank uou
Product: Credit reporting or other personal consumer reports

I never filed bankruptcy the address on report is not mine i have uploaded previously ftc report now i am going to upload XXXX  XXXX  has removed my bankruptcy XXXX  has removed
Product: Vehicle loan or lease

So back in XX/XX/XXXX I bought a used XXXX XXXX XXXX  which had XXXX odometer reading and credit acceptance wrote in the installment contract that the total payment will be {$55000.00} after I paid all schedule installments at the time I was ignorant to this being a female and not know much about cars so I think they ripped me off big time and my husband brought it to my attention he told me that the car was a XXXX car at that time when I bought it the car was already XXXX XXXX XXXX and had almost XXXX miles driven and the car was also a used car
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I opened an account with Experian. According to them per the online account, my credit is unfrozen. I am trying to refinance a mortgage and the bank needs access. 
on XX/XX/2020, the bank says my credit is still frozen. 
XX/XX/2020 : per online it's unfrozen. Per 800 number attempt to reach customer service, it is frozen. Attempted to unfreeze via phone, and was told to submit by mail. The website indicates customer service is open 7 days per week. After searching online and finding suggestions from others, I attempted to reach the fraud line, only to have the automated system tell me customer service is only open monday - friday. It is impossible to reach a live person to discuss or rectify this situation.
Product: Credit card

On XXXX XXXX, I received an alert from American Express that they will send a new credit card to me. I called that same day to say I did not order a new card and was told that someone requested that my current card be cancelled and a new card be sent to an address that is not on my card. Amex said they would not send the card, yet the next day I received an email that said they sent a new card to XXXX. For at least XXXX hours I spoke to many supervisors and managers all over the world who would not tell me how this happened. They said that whoever called knew enough about me to be identified as me - but not one of them could tell me exactly what information that included. After many phone calls, I resorted to getting an attorney and sending a letter ( including the FTC complaint and police report ) to the address their operator in XXXX HQ told me to, American Express XXXX XXXX, CEO XXXX, XXXX XXXX Since I sent the letter on XXXX XXXX, I still have no information, or even a response or acknowledgement that they even received my letter, though I have a post office alert that it was delivered on XXXX/XXXX/2016. 
Today I spent more time trying to get someone on the phone from that department, or their legal department, and each time I thought I was being transferred to the right person, again I was sent to a different customer service area. I asked for a supervisor in the customer service area, and was sent to NOT a supervisor. I have spent an inordinate amount of time with a simple request. 
Must I pay an attorney and rely on the legal system to get these details!? This is the poorest excuse for customer service I have ever seen in my life - and from a company I had been doing business with for many years, and I have had multiple Corporate Amex cards. 
Directly after this occurred, I spent a lot of time adding a 7-year freeze on my credit bureau records, and also froze all of my credit cards, investment and bank accounts, alerted the IRS - all of the things I was supposed to do. 
I spent another hour today trying to get information from American Express, and was again told someone would call me back... not hopeful. XXXX later, no return phone call. 
I just want the information requested so that I may take steps to protect myself from this issue happening again, and hopefully expose some security deficiency in their processes so this will not happen to someone else.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

The caller states that they are recording the call and they are calling from the Law Offices of Mitchell Bluhm. They present a birth date and ask me to verify it. During the first call, I stated I did not wish to be recorded and they hung up. During the second call, I told them I do not verify personal information to unknown callers and asked why I was being called. At that point, they terminated the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my XXXX account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. The payment is not late and not 30 or 31 days past due because the payment for XX/XX/XXXX was received on XX/XX/XXXX, and shows on the statements I receive that I suppose to honor will a grace period before late every month this month statement shows XX/XX/XXXX. PLEASE STOP ADDING 30 DAY LATE PAYMENTS ON MY CREDIT REPORT WHEN I PAY MY BILLS PROPERLY OR WILLING SUING YOUR COMPANY.