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

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XX/XX/XXXX last XXXX of XXXX XXXX XX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) biling error- ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. ( dispute_item_and_explanation ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

This was not certified mailing so this not valid this a violation. 

Sincerely, XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit from Annual Credit Report. Experian updated my credit report information on XX/XX/XXXX after I filed a complaint on XX/XX/XXXX. Through review I found that Experian failed to a stay in compliance with reasonable procedures to maintain the accuracy of my information on my credit report pursuant to the Fair Credit Reporting Act, 15 USC 1681e.

Not only did they admit to the inaccuracy of my previous information but they still display inaccurate information on my credit report despite making the " corrections ''. The inaccurate information could lead to adverse actions such as identity fraud and possibly more. By not maintaining the accuracy of my information they have willfully violated my rights under 15 USC 1681n, Civil Liability for noncompliance.

Accurate information is essential in regards to my financial health, well-being and protection as a consumer and they have neglected such matters with 14 counts of violations after the information was disputed and 4 that still remain on file.

1. Names : ( 4 ) Disputed, ( 2 ) Remaining on File 2. False Information of Employers : ( 3 ) Disputed 3. Misinformation of Address ( s ) /Unmailable Addresses : ( 7 ) Disputed, ( 2 ) Remaining on File
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS AN OBVIOUS PROBLEM WITH THE REPORTED HISTORY FOR THE ACCOUNT THAT IS BEING DISPUTED AND IT NEEDS TO BE CORRECTED ACCORDING TO THE LAWS THAT ARE IN PLACE TO PROTECT ME FROM NEGATIVE REPORTING HISTORY AND INFORMATION THAT IS NOT ACCURATE. 
Prove alleged derogatory reporting claim of LATE PAYMENTS is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Product: Payday loan, title loan, personal loan, or advance loan

Had a {$30000.00} at XXXX XXXX fixed interest. The company front-loaded the interest, assuming Id keep the loan to term. 

I relayed the loan within less than XXXX year, which means I was charged for {$1500.00} with of interest that had not accrued yet. 

Discover refuse to acknowledge this or refund me the portion of interest they charged in advance. 

They need to pay me back! Thats stealing money from me as a customer. Its wrong!
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 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : 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 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

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 of 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

XXXX XXXX XXXX XXXX {$140.00} There is no contract, no valid claim ... account was settled with original creditor by insurance carrier and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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, credit repair services, or other personal consumer reports

THERE IS A BANKRUPTCY CASE ( XXXX XXXX CT FL XXXX XXXX : XXXX ) SHOWING ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. IT BELONGS TO SOMEONE WITH A SIMILAR NAME AND BIRTHDATE. I HAVE DISPUTED SEVERAL TIMES WITH ALL THE CREDIT BUREAUS AND THE FLORIDA BANKRUPTCY COURTS AND IT IS STILL REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion, has 2 inquiries on my credit report without my permission. transunion has not answered my letter requesting method of verification. XXXX XXXX and XXXX. transunion only tells me the information was verified and then sends me nothing else after 45 days has expired. the are in violation of FCRA, and still have not send me anything
Product: Debt collection

Credit Collection Services XXXX XXXX. XXXX XXXX XXXX, MA XXXX {$73.00} Reported falsely to XXXX XXXX and XXXX When I called them they said they have already submitted {$0.00} to the companies.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

i was told that i have a loan for a car and i do not own a car so there shouldnt be a loan under my social at all
Product: Debt collection

This is in reference to a account with Amsher Collection Service ( Acct : XXXX ), this account belongs to XXXX XXXX XXXX XXXX XXXX and was a corporate account. I didn't sign or authorize a personal guarantee, so this should not be reporting to my personal credit. There has been no communication to the business to collect this debt. I will pay the debt on behalf of the business but not as long as it is listed and reported as a personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking repeatedly for my information to be updated on my credit report with Experian, XXXX, and XXXX. Each time I Send them my ID, SS Card, and Proof of Address they keep ignoring my requests. According to 15 USC 1681i regarding inaccurate and unverifiable information if any information is sent in by me as a consumer that information should be promptly deleted from my file or modified based on reinvestigation. I must also be promptly notified by mail of any modifications or deletions as requested. I have not received any mail of results or anything from XXXX, Experian, and XXXX and they are reporting the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX  # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  # : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX : XXXX
Product: Mortgage

I called my loan servicer Ocwen Mortgage on XX/XX/XXXX to let my Relationship Mgr ( XXXX XXXX ) know I was making a full mortgage payment via wire transfer at XXXX XXXX XXXX XXXX but, my normal relationship mgr was not available and had starting missing scheduled appointments, even on XX/XX/XXXX. The other Relationship Mgr ( RM ) told me not to wire the mortgage payment and to make the payment over the phone for free to avoid the wire fee but I told the RM that my father was already in the bank ready to wire the payment but the RM insisted on paying over the phone. This was a 3-way call with my father, the RM and myself. My mortgage payments were more than 60 days late but, less than 90 days as discussed with the RM. I had informed the RM that my new employment started on that coming Monday, XX/XX/XXXX, and that I would catch up on my mortgage payments. As my father started reading the bottom of his check, I interjected after he finished reading the routing number and told the RM not to include the check number, and the RM immediately and rudely said, " Ma'am Be Quiet ''! After, my father read the numbers on his bank account, the Ocwen RM told my father and I that the Bank Number went in correctly and emailed my Receipt of a full payment and also sent a receipt through the USPS mail. Then about 5 days later Ocwen sent a letter dated XX/XX/XXXX stating that " Your Payment was Returned Unpaid '' ; and that " The payment we received on XX/XX/XXXX for {$1600.00} was returned unpaid by the bank. '' I contacted XXXX XXXX XXXX XXXX and their Clearing House and they have no record of Ocwen even attempting to process a payment on or after XX/XX/XXXX. The XXXX XXXX XXXX associate told me, even if Ocwen Mortgage had included a check number with the account numbers for payment, XXXX XXXX XXXX would have still processed my mortgage payment. XXXX XXXX XXXX recently sent a letter dated XX/XX/XXXX, that XXXX is the new servicer for this account and collecting payments ; gave new XXXX loan account #. 

I have supporting documents to proof Ocwen Mortgage 's fraud. Even after Ocwen made me delinquent purposely on my mortgage, Ocwen refused to take my full mortgage payment. Since XXXX until presently, I continued to receive disingenuous information from Ocwen Mortgage about modifications, the loan process, trying to pressure me to sign new loan documents with a higher interest rate and/or a balloon payment, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several hard inquiries on my TransUnion credit report that I do not recognize, and have previously disputed with TransUnion to no avail. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, one of the inquiring companies XXXX XXXX provided me a letter that stated they authorized the removal of the inquiry due to its fraudulent nature. This letter was sent to TransUnion on XX/XX/XXXX, but XXXX months later, TransUnion still has yet to remove it.
Product: Credit reporting or other personal consumer reports

Good Whatever, My name is XXXX XXXX and I am filing this complaint because this is the third time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau has not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer are being violated. I am the victim in this situation and I can not even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action