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

My card is with Upgrade Financial. It is a XXXX XXXX. 

Back in XXXX my Bank account was hacked, and as a result Frozen. I have made payments to keep account up to date after Bank gave new account number. 

Upgrade told me they we goong ot reinstate card so long as they got the feed which states that all other accounts were current, which they have been. 

The lied several times in this regard. I have asked for customer manager to call me back but they have not. 

I need the credit privileges as the hacking was not my fault. 

Company fails to respond.
Product: Credit card or prepaid card

Hello, I have a purchase on my well Fargo credit card on XX/XX/2019, amount is {$47.00} this is fraud. I didn't make this purchase and don't know what is this. please tell them to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681, section 602 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b a creditor may not treat, a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient In accordance with 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is placing fraud alerts and freezing my credit report causing great issues with my credit standing. I am unable to reach a live person to discuss issues. I file a dispute and some are resolved same or next day but others are not being addressed or resolved. I provide proof and accounts are not updated.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$510.00}
Product: Debt collection

This is a debt collector. Once this debt was collected, it is no longer my responsibility. I do not have an agreement with LVNV Funding, LLC.
Product: Credit reporting or other personal consumer reports

My account with the NAVY FCU company and i was never late! I have had exceptional payment history with this company 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 in XX/XX/year> 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.

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

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

XXXX5 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 1666 b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason...
Product: Credit reporting or other personal consumer reports

Statement Requesting Investigation Under FCRA Provisions To Whom It May Concern, I am writing to formally dispute the accuracy of information reported by the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This dispute is made in accordance with Section 605 and 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to challenge and seek the removal of inaccurate or fraudulent information from their credit reports. Additionally, I reference Section 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies conduct a reasonable investigation into disputes and provide consumers with the results of that investigation.

I request a detailed account of the methods used to handle my dispute regarding these accounts. Specifically, I would like to know : The steps taken to investigate the accuracy of the reported information.

The evidence or documentation reviewed during the investigation process.

The findings that led to the conclusion regarding the accuracy of these accounts.

It is essential for me to understand how these disputes were handled, as the accuracy of my credit report directly impacts my financial standing. I expect a prompt response in accordance with the timelines established under the FCRA.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XX/XX/year>
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. 

XXXX XXXX XXXX ACCOUNT # XXXX OPENED XXXX XXXX  {$300.00} PHONE # ( XXXX ) XXXXXXXX XXXX  : ACCOUNT # XXXX OPENED XXXX XXXX {$250.00} ) XXXX : ACCOUNT # XXXX OPENED XXXX XXXX {$300.00} XXXXXXXX XXXX  : ACCOUNT # XXXX OPENED XXXX XXXX {$1500.00} XXXXXXXX XXXX XXXX ACCOUNT # XXXX OPENED XXXX XXXX  {$6000.00} XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  XXXX XXXX {$710.00} XXXX XXXX XXXX # XXXX OPENED XXXXXXXX XXXX {$700.00} XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX {$500.00} 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 or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous attempts to address the late open account on my credit file. Despite our prior correspondence and my persistent efforts, it appears that the issue has not yet been resolved. 

I kindly request that you escalate this matter and undertake all necessary steps to correct the late open account in my credit file. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. 

I understand that rectifying such errors may require time and effort, but it is essential that we work together to expedite the correction process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory resolution. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My wife works as a XXXX  XXXX with Fifth Third Bank and is very fearful of reporting this issue, for fear of retribution to her and her position. Fifth Third owns a title co called XXXX XXXX XXXX and for many years, loan officers were forced to use XXXX for all refinances and if they did not they were written up for not following procedures. This does not follow the federal guidance that allows the borrower to choose a title co. Most borrowers do not know who to use or how to shop it and so they usually ask the loan officer who to use and the loan officer at Fifth Third is only allowed to use XXXX. They are required to disclose XXXX fees and have no other option to show the borrowers. XXXX fees are higher than many other title companies. They tell their loan officers in the training that most borrowers on refinances will not shop and will just go with whoever the bank discloses on, so this is very very deceptive to the consumer. This practice had been halted for about 3 years and the loan officers were not forced to use XXXX, but just recently, they put the rules back in place and the loan officers are forced to disclose XXXX again and not allowed to suggest any other co, when fifth third and the loan officers know that XXXX is fully owned by fifth third and they know the borrower will just go along and not shop it. THIS IS DECEPTIVE INFORMATION TO THE BORROWER and Fifth Third is banking on the consumer having little knowledge of the industry and to just " go with it '' and fifth third will make the fee income off the title insurance since the market is down and they are not making as much money from loans as they have in the past couple of years.
Product: Credit reporting, credit repair services, or other personal consumer reports

42 U.S. Code 1320d9 - Application of HIPAA regulations to genetic information The Secretary shall revise the HIPAA privacy regulation ( as defined in subsection ( b ) ) so it is consistent with the following : ( 1 ) Genetic information shall be treated as health information described in section 1320d ( 4 ) ( B ) of this title.

( 2 ) The use or disclosure by a covered entity that is a group health plan, health insurance issuer that issues health insurance coverage, or issuer of a medicare supplemental policy of protected health information that is genetic information about an individual for underwriting purposes under the group health plan, health insurance coverage, or medicare supplemental policy shall not be a permitted use or disclosure.

( 3 ) HIPAA privacy regulation The term HIPAA privacy regulation means the regulations promulgated by the Secretary under this part and section 264 of the Health Insurance Portability and Accountability Act of 1996 ( 42 U.S.C. 1320d2 note ).

I have disputes regarding information that is being reported in my credit file. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Neither XXXX, XXXX, nor Experian can accurately validate/verify the debt owed as it is not allowed under the HIPPA Privacy Rule.

15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing this to hopefully receive assistance in placing a credit freeze on my credit. 
I have attempted to use the online and telephone services that are provided by the three credit bureaus, however, I am finding that it is becoming more and more frustrating to protect my own credit history because they are being deceptive. My only option left is to gather all the required papers and mail them to each individual bureau and pay them {$30.00} ( {$5.00} ea. for me and my significant other ) plus shipping to fix their mistake that they made when they allowed all of our credit histories and information to be hacked. 

On top of this, because my stolen information has n't been used against me yet, I am unable to file a report with the law enforcement agency in my area. So I am stuck paying to fix their mistake. And to add to this grief, in the future when I plan to request a business loan and a mortgage after that, I will have to pay out of my pocket to temporarily lift the credit freeze. 

And as each day goes by after this hack, the credit bureaus are updating their websites to make it harder to freeze your credit and easier to pay for their credit monitoring services. I do not want to pay for a credit monitoring service from a credit bureau that has already lost 100 % of my trust. I just want to freeze my credit, plain and simple. Why is that so much to ask for? 

I will also be living in a constant state of worry as to where my information has gone and how it can be used against me. 

This is not okay. And I believe a large majority of Americans who fully understand the gravity of this situation would agree with me in that there has to be some change implemented to alleviate the burden off of American victims. As well as to make sure that the companies that are to blame for this are held responsible for their wrongdoings. 

Why am I, the consumer and the victim, placed with the short end of the stick in every aspect of this situation? And how can I even trust that this will not continue to happen in other aspects of my financial life? 

Thank you for taking the time to read my situation, I sincerely hope that you can help me and every other person that is affected by this. 

PS : I have also attached screenshots below that prove that Transunion changed their web page after the hacking news was brought to light on XX/XX/2017. They changed their website to make it more difficult for people to freeze their credit, and they made it easier to pay for their credit monitoring services instead.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in those account 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.

( CREDITOR NAME ) 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: Credit card or prepaid card

I purchased a flight using our American Express credit card. When purchasing the flight I made sure I purchased a flexible ticket and " Travel Guard Protection ''. 

Due to XXXX, I had to cancel the flight and I got a travel credit directly with American Express Travel to use for XXXX XXXX XXXX 

When I purchased the original ticket and cancelled, never was mentioned that the Airline credit I was going to receive would be restricted to the same travel of the orginal ticket. In my case, the original ticket is from XXXX to XXXX ~ now I am being forced to use the credit for the same ( XXXX to XXXX ). These terms and conditions were never mentioned until I just tried recently to schedule a new flight with our credits. 

I contacted XXXX XXXX and they made me aware that because I purchased a flexible ticket I can use the credit for any origin/destination. However, American Express Travel, the " owners '' of the ticket/credit, their system does not allow them to make a flight purchase when the origin is not the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows 5 Inquiries that are fraudulent, Need an extended fraud alert on my credit report with my number XXXX, am a victim of identity theft. 

the inquiries are XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX
Product: Mortgage

I represented the borrower, XXXX, in his foreclosure action, which has now been resolved through a permanent modification. Despite repeated requests to his mortgage servicer Chase and to their attorneys, I am still receiving his mortgage statements each month. This is problematic because XXXX needs to know how much his monthly payments are and what is going on with his account, and should not be stuck waiting for them for an extra week while the statement makes its way to my office first and then has to be resent to him at the property.
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. 
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 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: Checking or savings account

I called on a recorded call to get info on how to apply for ppp loan forgiveness because I told him SBA said i need to apply directly through them. he said they don't do that and as im explaining he hung up on me..VERY UNPROFESSIONAL..
Product: Mortgage

My reverse mortgage loan servicer ( Champion Mortgage ) started foreclosure process on my loan, they claimed I no longer lived in the home. I have lived in the home for 40+ years and have never moved. They did not send me an annual occupancy statement. I immediately let them know that I did live in the home, jumped through multiple hoops, got aid and advice from a HUD advocate and at the end of the day they told me my loan was closed and I had to sign a new loan agreement which only gives me 17 more years. The mortgage I took out was for life, I can not afford to not get monthly payments so I signed the new paperwork. They forced me into this situation and I feel took advantage of me. I have all records and information that I will attach. I do not have email, my friend XXXX XXXX is submitting this with his email XXXXXXXXXXXX. Please confirm receipt to this email and communicate with me via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit information The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX {$2200.00} Account number XXXX ENHANCED XXXX CO XXXX Original creditor : DISH {$810.00} Account number XXXX RADIUS GLOBAL SOLUTION Account Number : XXXX QUALITY ASSET RECOVERY Account number : XXXX XXXX XXXX XXXX Account Number : XXXX GLOBAL LENDING SERVICES Account Number XXXX XXXX XXXX XXXX Account Number XXXX QUALITY ASSET RECOVERY Account Number XXXX RADIUS GLOBAL SOLUTIONS Account Number XXXX XXXX XXXX Account Number XXXX MOBILOIL FCU - Closed XXXX late payments Account number XXXX Names and variations.- not mine XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX. 

XXXX OLD XXXX XXXX XXXX, TX XXXX - XXXX. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX - XXXX. 
SINGLE FAMILY XXXX OLD XXXX XXXX XXXX, TX XXXX - XXXX. 
SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX - XXXX. 
SINGLE FAMILY Phone numbers - not mine ( XXXX ) XXXX Employer ( XXXX ) TWFG inquiries - Inquiries not mine- FCRA Violation- delete These lenders have accessed your credit file : SYNCB/CC Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Complete Department XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX INSTALLMENT Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Complete Department XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX Delete these not mine- FCRA Violation XXXX XXXX {$1700.00} XXXX Exceptional payment history