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

Around last XXXX after being released from hospital I Was Victim of Identity Theft.. Accounts were Not Authorized By Me & Are Fraudulent. I sent all three credit bureaus certified letter via United States Postal service. Enclosed in that letter was the following information : Copy of identification : Copy of correct address : Copy of utility bill : Request To update correct address : Request To delete multiple names : Request to remove fraud statement to contact None Were acknowledged ....

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( 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. 
( C ) No address requirement ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Confirmation # XXXX - I do not owe this account. This issue was resolved with the original creditor " XXXX '' who now has merged with XXXX of which I have since obtained an account with not issue. 
This debt appears on my credit report with a different debt collector, and it should not be, I have disputed this debt I do not owe, and every time a new debt collector gets my information it is allowed to report it on my credit report and the dates are incorrect, they keep making the dates current regarding the alleged balance. This should not be allowed to be reported on my credit report because I do not owe. 

Confirmation # XXXX I applied for financial assistance with the original creditor regarding both of these debts and they have been written off with the original creditor. I do not owe these accounts, and these should not be on my credit report. In addition to the reporting the dates are in accurate. In correct information regarding the reporting of this alleged debt is incorrect and needs to be removed
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for the account is reporting accurately including every notation, date and balance whether reported or not.

I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof or if lacking proof of these payments being late. Please update my payment history to PAANL status ( Paid as agreed, Never late ) according to consumer protection laws.
Product: Mortgage

I was with Chase bank for 15 years My husband fell ill and needed my physical assistance. This illness eventually led to his XXXX. As a result we suffered some monetary loss. We fell behind on our payments but each time was able to reinstate our loan. I notices we were being charged for items not on my bill so I would question Chase Bank and after the loan was reinstated a few months later they would mail me a check. One of the most current times is the forms I have uploaded. I have uploaded the documents to illustrate how the fees would change for the same purpose.
Product: Debt collection

I received a letter from Credit Control LLC of XXXX MO. The letter states that " per our conversation, you have agreed to pay $ XXXX  monthly ''. I NEVER talked with XXXX XXXX, the author of the letter, nor anybody from the company and I NEVER agreed to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance what the fair credit reporting act convergent Account wow services has violated my rights15 u.s.c 1681 section 602 A States I have the rights to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting can not fumish a Account without my written instructions n accordance what the fair credit reporting act XXXX  Account 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 : its also says a consumer reporting agency Can not furmish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my Experian report and another account I don't recognize that don't belong to me, I have written and called Experian to remove this and no luck. Please help.
Product: Credit reporting or other personal consumer reports

An account was opened fraudulently by creditor, XXXX, without my knowledge and went to collections. XXXX has acknowledged this and furnished letter saying my balance ought to be {$0.00}. I provided the letter to Transunion along with several disputes for over a year. Dispute results always come back as " account details accurate '' and nothing changes. Today, an agent over chat told me " Thanks for holding, i see the dispute was not accepted on Transunion due to XXXX not responding. so right now i will have to redispute, is that fine with you. '' XXXX, a national provider, can't respond? Really? After several disputes? Moreso, the reason for the failed dispute was never consumer-facing, only from this generous agent was I provided this piece of information. They emailed me saying dispute results were available. Nowhere in the results report did it say XXXX failed to respond. This is negligence and incompetence on the behalf of their investigation staff and leadership. I got a mortgage and had to suffer a lower score and higher rates. XXXX confirmed and cleared this account a very long time ago. Transunion is a societal blight. All credit reporters are, but this one especially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company failed to provide verifiable proof ( an original consumer contract obtaining my signature ). Under the the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), companies are REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION of the SIGNED consumer contract. Report is still inaccurate as it reflects my employment history as a XXXX XXXX XXXX at XXXX, yet I do not possess a XXXX or XXXX certifications to fulfill the state 's requirement to XXXX XXXX DELETE ALL ACCOUNTS NOT VERIFIED THROUGH SIGNATURE OF SIGNED CONTRACT. A PAST DUE BILL OF THE ACCOUNT AS VERIFICATION DOES NOT SUFFICE.
Product: Credit reporting or other personal consumer reports

I submitted full documentation regarding the errors on my credit file and asked for a full investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$500.00} XX/XX/2018 XXXX XXXX  XXXX {$230.00} XX/XX/2018 I have never done business with this company.
Product: Vehicle loan or lease

I had a lease on a XXXX Toyota Camry with Toyota financial. The lease was for 3 years and XXXX miles. I handed the car in with incidental wear and tear damage and they want me to pay for the incidentals. My issue is that I handed the car in with XXXX miles vs. the XXXX that was allowed. If I went over mileage it would be XXXX $ a mile, however I was XXXX miles under the lease agreement. The residual value works out to XXXX $ due to the under mileage and yet they want me to pay XXXX out of pocket for wear and tear damages.If I had went over mileage they would charge me per mile ; my complaint is why do I not get the same credit for being undermileage.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' transunion Equifax and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX financial institution and the Consumer reporting agencies Equifax and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to transunion Equifax, Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXNever informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' transunion Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Debt collection

This account has inaccurate reporting. The company has failed to properly investigate. attempt to collect payments that do not belong to me. If not resolved, I will sue for damages.
Product: Mortgage

I have a mortgage with BSI financial services. The Escrow account is paying my taxes and my neighbors taxes. This has been going on for 2 years already. keep getting promises its going to be fixed. and it's still collecting tax for my neighbor 's property. Response takes very long.
Product: Debt collection

OnXX/XX/2018 I wrote to CFPB regarding Portfolio Recovery regarding 4 debts that were placed on my credit report. Two were removed and my score went up to XXXX. On XX/XX/2018 they placed another two debts with XXXX that reduced my score XXXX points. These debts were the ones I originally requested documentation for. I have no knowlegde of the debts and have requested written proof on several occasions. This attempt to collect and to destroy my credit without providing written proof should be illegal. How many times are they allowed to do this?
Product: Vehicle loan or lease

I am writing to you in regards to my account with American Honda XXXX. I would like to request the lease agreement and any and all communications with them since. I see late pays reporting for an account that I am a cosigner but was never notified of any issues with the account.
Product: Debt collection

Trans Union, XXXX, and XXXX have $ XXXX Government Student Loan Reporting on my credit report which is not true and misrepresentation of Federal Truth In Billing Act and FTC law. Proof attached for wrongful recording on my credit report attached. All my government student loan current.
Product: Debt collection

I received a court summons today for a debt in an amount I do not feel that I owe. The summons is from Synchrony Bank/XXXX XXXX. Late this evening, I was quite shocked when someone came to my door unannounced to serve these papers -- especially considering the current Coronavirus pandemic we are experiencing. The amount the summons is stating is much more than I remember accruing. Also, no one had contacted me regarding this debt prior to the man arriving unannounced. I am asking for Synchrony Bank/XXXX to please validate this debt, starting with the original charge on the card. If unable to validate the debt, I respectfully ask them to remove this from my credit report and please dismiss the case in New Mexico court.
Product: Mortgage

I was charge {$670.00} for an appraisal fee to obtain a mortgage refinance from Bank of America. After 1 day, I cancelled the loan request and requested a refund. After 8 days, the loan was finally cancelled, but only a total of {$460.00} was refunded. Bank of America retained {$210.00} of unearned funds. No appraisal was performed or scheduled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report fraudulent negative information on my credit report. They are in violation of the FCRA. I have submitted numerous disputes to no avail. Their investigation system is flawed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX- {$400.00} I recieved a paid in full receipt but the account was never reported on credit report. 

XXXX XXXX XXXX XXXX  XX/XX/year> - {$450.00} This account was paid in full but doesnt reflect positively, the account was charged off. 
XXXX XXXX XX/XX/year> - {$890.00} This account is a collections which was paid in full but never reported postive on my credit. 

XXXX XXXX ( {$1200.00} ) XXXX XXXX XXXX XXXX ( {$2000.00} ) - These account are one loan, both bills now reflect on my credit but it should just be one the collections or the loan which take a major impact on my credit! Im also paying payment that arent reflecting on my credit!
Product: Mortgage

I made a {$1000.00} payment to Ditech Financial LLC on XXXX XXXX XXXX that has not been credited to my account ( XXXX ). I have sent a copy of my bank statement showing the payment. Ditech told me this was not good enough proof and they could not find the payment.They instructed me to go to my bank and get a check or tracing/tracking number which I faxed to them on XX/XX/XXXX. I am still not getting results from all the information I've given them. I am also being charged late fees. they have recently transferred my account to XXXX XXXX ( XXXX ). I feel as though Ditech is giving me the run around and making me jump through hoops to avoid doing anything about my " lost '' payment especially since they transferred my account. Please help me correct this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made all payments on time. Due to an error with Home Depots payment systems, instead of spreading my two separately made payment across me two accounts they consolidated the payments to one account. This action made both accounts late. Once late, Citi bank continues to lower my available credit thus hurting my score by 80+ point or more over just a few weeks. I have contacted Citi Bank through Home Depot financial services and they refuse to resolve the issue. I have never missed a payment. My credit score was in the XXXX range an now sits at a bleak XXXX. This kind of thing cant just be happening to me. Amid the pandemic, as we get toward the end, big companies like Citi Bank ( who we bailed out with tax dollars ) should not be treating people in this way. It has effected my ability to seek employment opportunities, receive XXXX XXXX, and opportunities to make income to further pay off debts and basic needs. 

As a combat veteran I sincerely hope that you are able to assist me as well as go after Citi Bank and these actions on others as I am assured Im not the only one.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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