23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

on XX/XX/21 I was scammed into using my American Express card to purchase a XXXX  Gift card for {$500.00} at a XXXX drug store. I already spoke to American Express and they suggested I contact you to report fraud. the drug store already put through the transaction and my card was charged for the {$500.00} charge. I wish to have this charge removed as it was fraud. a man named XXXX, said he was from American Express fraud section said that the XXXX put in a preauthorized request for {$2000.00} at XXXX XXXX  on the XXXX and that I confirmed the request via my cell phone. I never got any request. 

He told me the card was for security reasons to negate the {$2000.00} request. 
The original fraudulent activity was from XXXX. I spoke to a XXXX at ext XXXX phone number XXXX ID number XXXX case number XXXX. XXXX XXXX me to the American Express number and it turns out to be fraud. just in the past 2 minutes I got a call from the XXXX XXXX person suppose to be from XXXX XXXX. I told him I was reporting this to the government right now
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

Ocwen sent an escrow analysis stating we needed to pay {$410.00} for a shortage ( even though by their own paperwork we had a {$0.00} shortage on our mortgage this past year ) I mailed the check, it was received and documented by the post office, cashed with in the time limit set by the company, even so our mortgage payment was increased to the level as if we did n't pap the shortage. When I called to find out why it was increased - I was told I needed to call again after the payment was made to request a new escrow analysis. Why? you did XXXX told me I was short and I paid it. I want the overpayment refunded to me and the monthly amount corrected.
Product: Vehicle loan or lease

My grandfather and myself were misled my name was never supposed to be on a loan with him. He was a XXXX  driver, and the sole owner of the vehicle passed away in 2021 this is on my credit and it should be removed immediately because I was not financially responsible for this vehicle I have proof of XXXX XXXX contacting my grandfather on behalf of him purchasing the vehicle, and I also have proof of my grandfathers death. He spent a great deal in the hospital before he passed that can be verified as well, but I need this removed and delete off of my credit it was hard enough losing a loved one but now I also have to deal with the financial hardship behind this vehicle, because that was not solely in my vehicle. I helped my grandfather financially with his affairs but never this loan
Product: Credit reporting or other personal consumer reports

This evening, I was really surprised and upset to discover inaccurate accounts listed on my credit report, which I dont understand at all. I routinely check my report, but this time, errors just showed up out of nowhere. I tried refreshing my browser in case it was a mistake, but it wasnt. With this problem in mind, Im asking that the documents I sent be carefully reviewed so I can put this issue to rest once and for all.
Product: Credit reporting or other personal consumer reports

This is my XXXX request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Good Evening, My name is XXXX XXXX and I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies and a account from XXXX XXXX that I do not recognize, and I have not authorized any of these accounts. 

As these accounts do not belong to me, I am concerned that my personal information has been compromised. I take this matter very seriously and would like to ensure that my credit report accurately reflects my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I successfully completed a loan modification on  XXXX   XXXX   XXXX  after making 3 months of on-time " trial '' payments from  XXXX   XXXX   XXXX   XXXX ,  XXXX  and continued making on-time mortgage payments to date.   Unfortunately after reviewing my credit report in  XXXX   XXXX , I called the loan servicing company  XXXX   XXXX   XXXX   XXXX    XXXX  and they told me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortga ge Billing Statement ( attached ) d ated  XXXX / XXXX / XXXX  which reflects a past due amount of {$14000.00}! I signed and returned the ex ecuted Loan m odification agreement  XXXX  on  XXXX   XXXX ,  XXXX  and it was not completed until  XXXX   XXXX . I received the executed copy of the Modification in  XXXX   XXXX , which was dated  XXXX / XXXX / XXXX , which is obviously in correct. ( See attac hment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to report them as being on time. All payments were paid on-time to the lender  XXXX    XXXX   XXXX   XXXX    XXXX  and  XXXX  when they were due since  XXXX   XXXX ,  XXXX  and the previous past due balance was added to my principal, along with $  XXXX  in fees.   Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from  XXXX / XXXX / XXXX  would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did.   After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month,  XXXX   XXXX . All payments from  XXXX   XXXX  to present should reflect " on-time '' and be in good standing for that point forward.   They have failed to report correct information or rectify the situation from  XXXX  to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has greatly affected my credit score. Any assistance you can provide would be very much appreciated!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( XXXX ) to be erroneous : Creditor/Company Name : XXXX Account Number : XXXX Inaccurate Information : o The " Date Opened '' is listed as " XX/XX/XXXX '' by TransUnion but " XX/XX/XXXX '' XXXX XXXX and XXXX, causing XXXX in account history. 
o The " Date Last Active '' is reported as " XX/XX/XXXX '' by TransUnion and XXXX, but XXXX reports it as " XX/XX/XXXX, '' suggesting outdated or incorrect reporting. 
o The " Comments '' field includes different remarks across bureaus. TransUnion states " Dispute resolved ; reported by grantor, '' XXXX mentions " Account was in dispute- now resolved - reported by subscriber, '' and XXXX notes " Account previously in dispute- now resolved by data furnisher. '' These inconsistent comments create confusion and misrepresent the accounts current standing. 
o The " Two-Year Payment History '' shows a " XXXX '' delinquency for XX/XX/XXXX in XXXX, while TransUnion and XXXX report no delinquencies for the same period.
Product: Credit reporting or other personal consumer reports

I dispute the account linked to XXXX XXXX on my credit report. I have no knowledge of any consumer contract with his company and the account is unrecognized. I would like this fraudulent account and any inaccurate information to be deleted from my credit report as per Section 611 ( 5 ) ( A ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks
Product: Debt collection

This company has been negatively impacted my credit for years. I have asked for a debt validation letter, the original contract from the original creditor, proof of legal right to collect on the debt. I have been harassed consistently over the years from various numbers from this company about collecting the debt although they have not sent any of the info to have asked. They have also changed the date of the debt to reflect the current month and year so that they can be in the statue of limitations. I have to them this is a violation of the fair credit reporting act, and they continue to falsify information to the credit bureaus. This has prevented me from getting a mortgage, and has affected my mental health. I have over XXXX numbers blocked on my phone from this company violating my privacy and rights.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept of education acct 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 XXXXXXXX us dept of education acct # XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted. 
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: Payday loan, title loan, or personal loan

XX/XX/XXXX I took out a loan/line of credit with XXXX XXXX the credit limit offered was {$1600.00} but I only took {$800.00} at the initial time. I made payments to the loan, but made some additional withdrawals, never exceeding the approved amount of {$1600.00}. Unfortunately I fell on hard times due to loss of employment and could not pay in XX/XX/XXXX. But XXXX XXXX is now stating that I owe {$4500.00} that is a difference of over {$2900.00} in fees. I received a letter from an attorney stating that I owed a total {$4700.00} and the letter from the attorney says my financial obligation {$3500.00} plus attorney fees of {$1100.00} that says now the total is {$4700.00}. I contacted the attorneys office advising that the balance was incorrect and asked for statements and a description of the amount owed. The attorneys office sent a print out of transactions that is " not '' on XXXX XXXX letterhead, and did not provide a description of charges and fees that they were adding to a balance that they are not the original creditor on. They did send however a " XXXX XXXX Flex Loan Plan Disclosure and Account Agreement ''. The attorneys office sent a letter and stated in the letter, " Since we understand that you do not plan to pay this obligation voluntarily, we will proceed with suit. '' I never said that I would not pay and the letter I sent them was to get the correct balance so that I could pay. I do not think that it is fair if they contacted and I responded for them to assume that I did not want to pay. I just am not in the position to pay the absorbent amount of fees being charged when the flex loan did not exceed {$1600.00}. I simply sent the letter to find out where the additional charges are coming from. I want to settle, but I do not feel they should try to sue me if I am willing to work with them. I called the attorneys office and they just keep saying the amount is accurate and still failed to provide me the info on where the additional monies are being added. One statement shows one balance and the attorneys letter shows a different balance. It shows two legal fees of {$85.00} and {$42.00}, but the attorney listed fees on the letter they sent {$1100.00}. I am still baffled as to where these amounts are coming from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX. ) XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX BANK XXXX, XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 XXXXXXXX, and XXXX  XXXX XXXX have 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: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that aren't mine listed on my credit report that need to be removed.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the Fair Credit Reporting Act, you have a responsibility to promptly delete any information which is inaccurate or incomplete from my credit report so it doesn't get reported. I understand that this is your responsibility under the FCRA, and even if an account has only been speculated upon or never confirmed in any way, the burden falls on you to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights. The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you! 

XXXX XXXX XXXX Account # : XXXX Account Description : Individual The content mentioned above has never been certified to meet reporting standards. The data provided has never been proven to be accurate, complete, or up to date. In order to comply with any consumer legislation, documentation confirming compliance is required. 
The information supplied is insufficient and I demand that any wrong, incomplete, or unsupported material be deleted. 

Faithfully I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 

XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit card or prepaid card

Reference # XXXX I contacted Home Depot credit card to discuss the reasoning for their decision. After being transferred to 3 different people I ended up talking to a supervisor named XXXX. My first question was about the credit score.  She could not tell me what score that they were using. Examples FICO  XXXX, Vantage 3.0, etc. The reason I was asking is because the number reflected was not even close to the actual numbers that I obtained from the credit bureau myself. In addition as we looked over my credit report there was conflicting information through out the report and she could not answer my specific questions. How can a company be following the FCRA if they cant even explain their own information to the consumer?