23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

account. 
I sent a letter out on July 1st to XXXX, transunion, and XXXXHowever its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code $ 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. 
Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I submitted a letter to the 3 Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Credit reporting or other personal consumer reports

Transunion continues to report an account XXXX Account # XXXX on my consumer report but it is not accurate. I have no lawful obligation to pay this debt and reporting it is for profit. The debt collector is paying Transunion to report this information although they have no lawful way to prove it. I will give Transunion 7 days from the date of this complaint to remove this collection before I initiate a federal lawsuit.
Product: Debt collection

A company called Second Round has placed a collection debt on my credit report that I do not owe. I requested that they provide me original debt paperwork, signatures, etc. and they have failed to do so. They did not respond within 30 days of my certified mailed letter nor have they responded as of yet ( it has been 90+ days since request ). In addition, I 've spoken to several representatives who continue to state that they will send me the information I 've been requesting, but they have failed to do so. I noticed that they have now placed an account on my credit report and is reporting it as Date Opened : XXXX2016 Reported Since : XXXX2016, Collection account, balance {$2100.00}. I have no knowledge of this debt/account and they have failed to provide original documentation of said debt being mine.
Product: Checking or savings account

Repeatedly tried to call and resolve the " restriction '' on my account for over a week and they just keep moving the resolution date back without allowing me any access to over {$1300.00} in funds in my accounts.
Product: Vehicle loan or lease

American Honda finance new 2022 discrimination lawsuit. After already discriminating it seems your doing it again without remorse I intend to seek full damages for lack of full disclosure and lack of assistance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX violated my consumer rights by reporting inaccurate information to consumer reporting agencies i.e., XXXX, XXXX, and Experian. XXXX XXXX XXXX XXXX did not mail or deliver a statement disclosing a payment was due 21 days before the payment was due to settle the account balance. 

15 U.S. Code 1666b - Timing of payments requires XXXX XXXX XXXX XXXX to mail or deliver a statement no later than 21 days before the payment is due to settle the respective account. 

Inaccurate Information Reported by XXXXXXXX XXXX XXXX XXXX Between XX/XX/XXXX, and XX/XX/XXXX " 30 Days Late '' Between XX/XX/XXXX, and XX/XX/XXXX " 60 Days Late '' 1 inaccurate late payment was reported in XXXX. 
2 inaccurate late payments were reported in XXXX. 

XXXX XXXX XXXX XXXX is also violating 15 U.S. Code 1681a - Definitions ; rules of construction by reporting transactions and or experiences between the consumer : XXXX XXXX and the person : XXXX XXXX XXXX XXXX Payment history is considered a transaction between the consumer and the person. On time, missed, and late payments are considered experiences between the consumer and the person. Both transactions and experiences are listed as exclusions in 15 U.S. Code 1681a - Definitions ; rules of construction.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I do not consent to electronic statements, and or notifications. All correspondence shall be sent to the consumer via letter mail no later than 21 days before the payment is due on the account. 

I understand that mistakes can occur during business transactions and that is the reasoning for my correspondence to XXXX XXXX XXXX XXXX. Thank you for your time and consideration. 

Dated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

had a car loan was charged for insurance that I had in effect. Wells Fargo said I didn't
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this multiple times with the credit bureaus as well as the creditor. None of which have provided me any proper validation of this account, also I have disputed the inaccurate information such as reporting dates. This account is inaccurate and derogatory, which is in violation of my consumer rights to the best of my understanding.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I received a call from XXXX at One Main Financial offering a pre-approval in the amount {$1900.00}. She obtain information and had me unlock my credit report. Then scheduled me to come in at XXXX XXXX  to close. When I arrived at the office, she stated that she forgot to send something for verification and advise that I was pre-approved for {$15000.00} which would pay off my existing loan first. Ask if I wanted that amount and agree to the monthly payments of approximately {$600.00}. I agreed, and she came back to say she was just waiting for a verification then she would schedule me again to close. At XXXX XXXX  she called and scheduled me to come back at XXXX XXXX   to close. After waiting 30 minutes, the manager stated that underwriting is requesting a XXXX copy of my social security card because of the credit alert on my credit report. She advised that underwriting was closed so she would have to call me tomorrow. On XX/XX/XXXX XXXX advised that they would only accept a color copy of my social security. On XX/XX/XXXX, I submitted a request to XXXX via email asking that they accept my W2, IRS PIN letter, and passport to confirm my identity. I also submitted a complaint to their customer service line. On XX/XX/XXXX, XXXX finally called me back and stated that they agreed to accept those items. On XX/XX/XXXX, XXXX called to state that they were unable to proceed with the application because they were unable to verify my income. I submitted my most recent pay stub, and my XXXX W2. They did not request any additional items. Income verification is the easiest part of this process. I could have provided bank statement and given them by HR company contact information. She refuse to provide any additional information and stated that I would receive a letter. This feels like discrimination. It was my understanding that they simply need to verify my identity because of the credit alert. BTW ... They required none of this for the original loan, and my credit alert was on my account then as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 I submitted a XXXX  written request notifying experian that these accounts need to be removed since they have not been verified by XXXX. I Have not received any written documentation from XXXX  verifying any of these accounts. I contacted these creditors and I was notified that they did not send in any documentation verifying any of my personal information for these account. XXXX has settled on a recent lawsuit for there lack of investigation with consumer reporting. I believe I am a victim to this case.
Product: Mortgage

Although numerous complaint has been filed against Wells Fargo Mortgage to include # XXXX and its foreclosure lawyers, XXXX The same pattern of violating the law continues in an attempt to unlawfully forclose on our home. 
In our last telephone ( telecom ) conversation on XX/XX/XXXX to discuss the XX/XX/XXXX letter ( see attached ) you informed us your office was looking into as to why Wells Fargo Mortgage XXXX for Loan Modification never responded to our numerous written and telephone request as which other additional documents needed to complete the review, including a complete appraisal be conducted on the properly since the Team had apparently used old data in determine Net Present Value ( NPV ) originally. 

During our telecom you also assured us that no Sale Date for the property was scheduled. To the contrary today XX/XX/XXXX we find the attached Notice of Sale taped to our front door for schedule sale date of XX/XX/XXXX at XXXX.
Product: Debt collection

On XX/XX/2020, I sent a debt validation letter via certified mail with return receipt to Portfolio Recovery at XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX requesting Debt validation Tracking # XXXX shows it was received and signed for on XX/XX/XXXX, XXXX by a name I can not make out. Debt validation is my federal right granted under the Fair Debt Collection Practices Act ( FDCPA ). Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. It has now been well over the allowed 30 days and Debt recovery solutions has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company. THIS DEBT IS NOT MINES.
Product: Student loan

I called Client Processing after listening to a commercial stating they can help save time on your school payment if you are a First Responder. This process started in the fall of XX/XX/XXXX, XX/XX/XXXX. The loan was held with ACS ( I believe ). I called and discussed my consolidation with them. They did not disclose that the payment count would go to zero. Thus wiping out my prior payment records. They didn't review the interest rate changes, nor the possible changes in payment amounts. Without discussing the payment count - they basically wiped out my prior payment records. They also stated it was " really '' hard to apply for this payment plan on my own. I began the process. They stated they would need signatures to continue. I told them on multiple phone calls that I did not want to proceed at this time. I told them I wanted to wait until I had my tax returns. Multiple times, they emailed/called stating I had to sign and return their packet. I refused and again stated I was intentionally NOT proceeding. Then, in the spring, while I was on military orders, they pushed the consolidation through, without verbal or written consent. I am now forced into a new loan and payment plan, that I did not agree upon. This company mislead me and committed fraud by proceeding without my consent transferring to XXXX. They also completed an SRCA violation due to the loan transferring while I was on military orders, XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

XXXX XXXXXXXX XXXX I sent out communication through the CFPB to dispute the inaccuracies on my credit report, The credit agencies claimed that the item was validated by the debt furnisher as accurate. I have found multiple inaccuracies. I have reached out on multiple occasions about the issues reporting inaccurate. Not only are violating my right to privacy by reporting these inaccuracies and didn't get written permission to provide. According to FRCA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. This never occurred during or after 30 plus day investigation by debt furnisher. Now because of violations either provide {$1000.00} for every violation or deletion from credit report immediately.
Product: Credit card or prepaid card

I have two credit cards with Genesis FS. Yesterday I received a fraud text on my Milestone Card and Checked today on my Indigo Card. I have reported this issue top the company for each instance. They can not tell my why or how someone was able to change my address and email on their site on my profiles. Both credit cards mailing addresses were changed without my knowledge or approval to an address in Pennsylvania. The fraudulent information is : XXXX XXXX XXXX XXXX, PA XXXX Fraudulent email is : XXXX NOTE : This physical and email addresses are in no way affiliated with me.
Product: Credit reporting or other personal consumer reports

Hello, I have attempted many times to dispute late payments recorded on my credit reports for a mortgage and home that I am no longer connected with as a result of a divorce and quit claim deed filed with the courts back in XXXX. The PHH Mortgage Company, now called XXXX XXXX is very difficult to reach via phone and online requests that I have submitted resulted in no response. I have even provided a written letter to the company, my divorce documents, the quit claim deed and a contempt of court legal document with no response.
Product: Credit reporting or other personal consumer reports

My account with 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 in 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. 

XXXX XXXXXXXX XXXX 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: Checking or savings account

On XX/XX/XXXX I had three debits from my account with XXXX that were fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Chase Fraud Department and they reversed all of them, On XX/XX/XXXX they reverted back the XXXX saying that a chip and pin number were used. I called them many times and they said that I need to call my attorney general ( they lauged when they said this ) or hire a private investigation team and file police report. I have been a Chase loyal banker for over 10 years. The other two items of XXXX and XXXX were not reverted. How is that I had three transactions that I did that day and only that high amount one XXXX is the one as they put it " they don't have sufficient evidence that we did not charge this amount ''. My husband and I would not and have not shopped at this vendor. I believe someone made a duplicate card and or they said this is what the vendor is saying. How could they take the vendors word and not mine? I would like your help on how terrible and they had made feel as a criminal and I would like my money back in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected/fixed immediately : XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Debt collection

Never received notifications of the collections account until I noticed it on my credit report. Today I called the hospital and requested the date of service, the date of first statement was sent out as well as the original due date of this bill. The answers were as follows. XX/XX/2018 date first statement was mailed XX/XX/2018 and original due date was XX/XX/2018. The collections account was opened on XX/XX/2018 at this point the bill was only 120 days past due and only 150 from first statement. FAIR DEBT COLLECTING ACT states a medical bill must be 180 days from when it was owed before its allowed to be reported to the credit reporting agencies. That would have been XX/XX/2018. I have Medicare and it takes a few months to figure out from them what is being paid and what isnt. I was not trying to avoid paying this {$54.00} medical bill just waiting until I knew what was actually owed. I received a different amount owed each month for the bills I did get from the hospital. I arraigned payments with them and even made a payment to them after this was sent to collections. I was later informed I was paying on a different amount owed however every bill I saw had the total amounts of all services on them they were not separate bills for each date of service so I can not see how I was paying a different bill and they sent this to collections. The hospital is taking ridiculous amounts and separating the bills to show multiple collections for the same doctors visit. I was informed today there is a separate collections account for {$7.00} and yet another for a different amount I havent seen a bill for any of it since XXXX or XX/XX/2018. I only saw one doctor and one bill was submitted to Medicare how can they separate this into micro bills so they can unfairly attack my credit report because they mistakenly thought I didnt want to pay even after I had called and made arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/TransUnion/XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XX/XX/XXXXThe affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX AMT : {$650.00} XXXX XXXX XXXX ACCT : UNKNOWN AMT : {$5500.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX