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

I disputed the below stated inquries with TransUnion multiple times and they will not remove them from my credit report. 

Unauthorized Inquiries 1. XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX 2. XXXX/XXXX XXXX XXXX  XXXX- XX/XX/XXXX 3. XXXX XXXX XXXX- XX/XX/XXXX 4. XXXX/XXXX XXXX XXXX- XX/XX/XXXX 5. XXXX XXXX XXXX- XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX 7. XXXX XXXX- XX/XX/XXXX 8. XXXX XXXX XXXX- XX/XX/XXXX 9. XXXX XXXX XXXX- XX/XX/XXXX 10. XXXX/XXXX- XX/XX/XXXX 11. XXXX XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX 12. XXXX XXXX- XX/XX/XXXX 13. XXXX/XXXX- XX/XX/XXXX 14.XXXX/XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX 15. XXXX XXXX/XXXX- XX/XX/XXXX 16. XXXX XXXX XXXX- XX/XX/XXXX 17. XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX
Product: Debt collection

Per Section 609 ( a ) ( 1 ) of the Fair Credit reporting act ( FCRA ), You are required by law to verify any and all accounts posted on my credit report, and only report accurate information, I request all verifiable proof you have on file for the following account. If you can not provide evidence justifying the presence of this account on my credit report, You are required to quickly remove them. XXXX XXXX XXXX Opened XXXX last reported XX/XX/2022. I want this to be investigated and if there's no proof of ownership remove it from my account immediately.
Product: Credit reporting 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, Account name : XXXX XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX  Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX 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

When applying for credit I was informed of information on my report from several creditors that are reporting inaccurately. This information is inaccurate because the last date of activity is not correct. I disputed this information with the credit bureaus and the information remained even though it is inaccurate. The last date of activity has been re-aged on several old debts. 
I have listed the debts below in which the re-aging occurred. 

Portfolio Recovery - {$860.00}, last day of activity XX/XX/XXXX Portfolio Recovery - {$480.00}, last day of activity XX/XX/XXXX XXXX XXXX - {$450.00}, last day of activity XX/XX/XXXX XXXX Unknown account XXXX - {$2200.00} last day of activity XX/XX/XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX - {$890.00} - open date listed as XX/XX/XXXX but was opened in XXXX, last day of activity was in XXXX. This was previously a XXXX account. I returned the phone before I went to XXXX XXXX XXXX. 

Portfolio Recovery - Duplicate, original creditor was XXXX, last date of activity was XX/XX/XXXX. 

XXXX  XXXX {$480.00} the account was opened in XXXX. The last date of activity was XX/XX/XXXX. 

XXXX {$280.00} account was opened in XX/XX/XXXX. The last day of activity was XX/XX/XXXX. 

The re-aging of these old debts has caused me harm and has impacted my future in negative ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Product: Checking or savings account

I bank with JP Morgan Chase bank, I have a business checking account and i do online banking, on XX/XX/2020, I use the XXXX quick pay to send the amount of {$2000.00} to a recipient, I got a receipt that the transaction went through successfully, I sent a copy of the receipt to the recipient, usually this funds would be available immediately and sometimes a few days delay in my experience, In this case the money did not post to the account in over a week, the recipient then told me there was a mix up in the cell number used and that usually the transaction should not go through and i should contact my bank to find out what happened. 
I called my bank customer service to explain the situation and I was told it will take 10 working days to investigate, after more than fifteen working days that I have not heard from them I decided to call back, The representative who attended to me stated that the money went to another recipient and that they have tried to get the money but could not and therefore they can not help me any further, I told them the money was not supposed to go through since the name and number did not match and that I believe the money is still hanging somewhere in the bank, I was told that I should go to my bank for help, I went to my bank but walk ins are not accepted because of coronavirus, I was asked to call XXXX but i insisted i wanted the bank representative to help me do it because there is too much waiting time and they usually hang up on customer and then one has to start all over and that I am already frustrated, I was given an appointment for XX/XX/XXXX but unfortunately I had a family emergency, I asked if i could come the next day but i was told not until XX/XX/XXXX, so up till now i have not got my money back and the recipient is bothering me<please I need help urgently to resolve this situation..
Product: Debt collection

I received a Default Judgment/Cause No. XXXX ( original case number XXXX ) entered on XX/XX/XXXX, from the court of Judge XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX I never received a citation or notice. I contacted XXXX XXXX 's @ ( XXXX ) XXXX attorney at law to ask if they had received any form of notice about this default, and XXXX XXXX said, " I don't know. '' They no longer are representing me as of XX/XX/XXXX and XX/XX/XXXX. They never kept me updated about case number : XXXX, which is the same case related to Cause No. XXXX. I spoke with XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, email : XXXX with telephone number ( XXXX ) XXXX. I informed her that I never received a citation and no one took my picture signing a citation being served I asked for copies to submit to the court to let XXXX XXXX XXXX know that she is now involved in a fraudulent signature and forgery because I never signed a citation on XX/XX/XXXX, and no one took my picture signing a citation. he said it was served to me on XX/XX/XXXX, which she said I signed and the person took my picture signing the citation. That is a flat-out lie! She sent a dispute out today to the XXXX XXXX XXXX and hung up on me before she answered how long the dispute might take. Finally, I called her back and she had no idea how long the dispute would take to complete. I understand XXXX XXXX XXXX is known for damaging people to the max. That's fine! As a XXXX XXXX living off a monthly social security payment, I have learned my rights according to SSR 79-4 : Section 207. Time is not on my side and I do not trust waiting for XXXX XXXX with XXXX XXXX XXXX to keep me waiting without providing me a time frame with this ill-issued Default Judgment. According to all the comments, that I have reviewed... I am not able to trust them. They have involved a judge with a forged signature. This is wrong on many layers and levels. I need a copy of the citation, signature, and photo that was taken to present to my legal representative ASAP! By the sound of her voice XXXX XXXX was ready to release her force towards me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian, Equifax, and TransUnion for failing to conduct a proper reinvestigation of disputed late payments as required under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ). 

I have disputed these late payments multiple times, yet the credit bureaus continue to report them without providing any evidence or verification beyond what the creditor claims. This is a direct violation of my consumer rights under the FCRA. 

Additionally, my creditors were legally required to notify me at least 21 days before reporting a late payment, as required under 15 U.S.C. 1666b of the Fair Credit Billing Act ( FCBA ). I have never received any such notice, and despite multiple requests, neither the creditors nor the credit bureaus have provided proof that one was ever sent.

Since no legal notice was given and the late payments can not be verified with actual documentation, they are inaccurate and must be deleted immediately under 15 U.S.C. 1681i ( a ).

Legal Violations Committed by Experian, Equifax, and TransUnion : 1. 15 U.S.C. 1681e ( b ) Credit bureaus must ensure maximum possible accuracy.

The credit bureaus can not report inaccurate or unverifiable information.

Since they have not provided proof of these late payments, the reporting is inaccurate and must be deleted.

2. 15 U.S.C. 1681i ( a ) Credit bureaus must conduct a proper reinvestigation.

The FCRA requires credit bureaus to independently verify disputed information.

Simply repeating what the creditor says is NOT an investigationit is negligence.

Since no supporting documentation has been provided, the late payments must be deleted.

3. 15 U.S.C. 1666b Creditors must provide notice before reporting a late payment.

My creditor was legally required to send a written notice at least 21 days before marking a payment late.

I never received this notice, and despite multiple requests, neither my creditor nor the bureaus have provided proof that one was sent.

Because this legal step was not followed, the late payment is invalid and must be removed.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Creditors can not report inaccurate information.

The creditors have a legal duty to report only accurate information.

Since they never provided proof of a proper notice or payment history, the information is inaccurate and must be deleted.

Requested Resolution : 1. Immediate deletion of all late payments on my credit report, as they are unverifiable and inaccurate per FCRA guidelines.

2. Written confirmation of deletion within 15 days, as legally required under the FCRA.

3. If the credit bureaus fail to comply, I will : File additional complaints with the Attorney Generals Office of the State of Florida for continued violations of my consumer rights.

Report Experian, Equifax, and TransUnion to the Federal Trade Commission ( FTC ) for noncompliance. 
Seek legal action for failure to uphold federal law under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX XXXX {$3900.00}
Product: Debt collection

I was hospitalized from XX/XX/XXXX - XXXX at XXXX XXXX XXXX XXXX in XXXX Michigan. I was actually in XXXX XXXX XXXX. However, the bill for {$1200.00} was sent to me by XXXX XXXX. 

I filed a grievance with the hospital based on the unsafe care I received. I contacted the hospital billing department to let them know what I was doing. I spoke with XXXX XXXX in Accounts and she said to wait until a decision was reached regarding the grievance. 

When I received the decision, I contacted XXXX and let her know I was appealing the decision. She talked with XXXX XXXX, Patient Experience Specialist, and it was agreed that I could wait before making payment til after the appeal decision was made. 

XXXX XXXX said she would reach out to me in early XX/XX/2021. I got the decision on my appeal and waited for a bill. When the bill didn't come, quite honestly I forgot about it. I never received a call from XXXX. 

I received a bill from Lansing Professional Business Bureau on XX/XX/2021 and misplaced it. Apparently the letter was requested by XXXX XXXX on XX/XX/2021 for nonpayment. c .I found this information out from XXXX at the Lansing Profesioinal Business Bureau . 
Apparently, on XX/XX/XXXX, according to the collection company - they called me and left a message to contact them regarding this. I don't remember getting the call and normally I don't answer unknown numbers. 

On XX/XX/2021 I came across the XX/XX/2021 bill and paid it immediately. 

I would like you to investigate : XXXX. Whether XXXX complied with its obligation to contact me before sending my bill to collections? 

2. What can be done to fix my credit score? I have taken great pride in how high it is and have been proactive for many years to keep it that way. 

My credit score has always been above XXXX and is has fallen to XXXX because of this letter from collections. I would like you to investigate what XXXX XXXX did with my bill - if I had heard from them, I would have responded immediately and paid the bill. 

The bill was paid off on XX/XX/2021.
Product: Mortgage

I was on the internet yesterday when an ad popped up from LENDGO.com for a mortgage rate of XXXX % on a 30 year fixed home loan. Excited at the thought of lowering payments when everything else I read is pushing 4 %, I punched in my info. Within seconds of it my phone started blowing up with phone calls, texts and emails from companies wanting to refi my loan. XXXX XXXX XXXX ) at XXXX XXXX was wanting to pull my credit even when I told him I didn't think he could do anything for me because of the inavavailabitly of rates. I have a current loan for XXXX-there 's no need to refi at a higher rate-it makes no sense to me not to mention, the 2 % isn't available. Mutual of XXXX ( XXXX ) also called and the guy I spoke to, I hung up on because he wouldn't drop the call when I said I wasn't interested if he didn't have a 2 % rate like Lendgo said. I now just had another call from ( XXXX ) and while personable, the guy got upset when I wasn't going to refi and wanted to thank me for him being able to make contact-very odd.
Product: Credit reporting

My Equifax Credit File is currently split into XXXX different credit files. This has caused a number of major issues for me due to one of the files having hardly any account information on it at all. Thus showing I have a score below XXXX. I have requested on a number of occasions that my files be merged and I keep getting told they ca n't help me. I have frankly become so frustrated with Equifax and their Customer Service, that I have turned here to hopefully get some assistance in clearing this matter up and making my credit file with Equifax whole again.
Product: Mortgage

This is to inform you that SLS is charging me fees that are not mentioned on modification agreement, attached you will find statement from XXXX showing amount we agreed to, I understand that scow amounts can change every year, but a month later they sent a statement showing a different amount than he had agreed to. please find attached, modification agreement sign by both parties, XXXX statement, and XXXX statement showing different amount. thank you
Product: Student loan

XXXX - Set up a payment program XXXX - I worked XXXX years at a XXXX XXXX XXXX ( XXXX University  ) and currently work for one, I requested loan forgiveness for service and was approved. I heard nothing else from the company XXXX- Applied for XXXX for a permanent condition, spoke with the Dept of Education regarding change in status, have not received additional information
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent numerous letters to the credit bureau with affidavits and they have not removed the incorrect items from my credit report. I specifically asked WHO is the person that is verifying as accurate and I have yet to receive a reply. I would like to escalate the problem but can not receive the proper information. This is a violation of my rights as they have not responded and has been longer than 30 days as allowed by law.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report. I discovered several unauthorized hard inquiries that I not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately the credit bureues refused to remove them off my credit report. This issue is causing undue stress and is negatively affecting my financial standing.
Product: Credit card or prepaid card

I contacted Citibank credit cards about my Citi Prestige credit card in XX/XX/XXXX. I wanted to cancel my card due to the high annual fee but they offered me a retention promotion. 

They said several times I needed to spend {$4000.00} in 3 months by XX/XX/XXXX and I even gave the representative from the retention department an example where I said if I spend {$4000.00} tomorrow Ill qualify and she said yes, as long as its after today. 

After several billing cycles I noticed there was no credit so I reached out to the customer service via Citi mobile app on XXXX occasions. The first time, they told me the details of the promotion in writing, again not mentioning that it was PER MONTH. I followed up and got no response at all. 

After this I contacted them again and they told me I already received it when it was an unrelated offer regarding points and not the statement credit. 

Finally, I contacted them a third time and they said to call them but the department was closed. 

I dont know if Citi is systematically lying or it was this one representative but there might be some grounds for a class action lawsuit or something of that nature since Ive had to contact them on 7 occasions now and the issue seems purposefully misleading and unreasonably difficult. There may be thousands of people experiencing this. 

Im on the phone now and they are telling me since I didnt meet the requirements they cant credit me. This is unbelievable, I thought by manually contacting the department in charge I would be able to get it in the end. I kept this card account open and spent over {$11000.00} more due to deception
Product: Debt collection

I left 3 messages for a call back regarding this issue. The company, XXXX XXXX XXXX XXXX, would not return my calls. I didn't have an email address so I sent a Certified Letter requesting the company contact me or delete the item on my credit report. 
They did neither. 
I have attached a copy of my request letter and the proof of Certified mail being sent on my part and received on their part. 
This information is resulting in a denial for a mortgage to purchase a home. I don't know that the claim is correct. The creditor is Capital One and I have loans with Capital One opened much later than the 2006 date XXXX XXXX XXXX claim this debt dates to. 
I look forward to your reply. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX. XXXX Acct # XXXX XXXX. XXXX Acct # XXXX A charge off can only be reported once. Therefore, the continual reporting of a charge off for every single month is both inaccurate and a violation of my rights. 

Moreover, The IRS defines a charge off as income, that does not belong on a credit report. Therefore, this information of the above reference accounts is inaccurate. 

15 USC 1681 XXXX XXXX ( a ) ( 1 ) ( A ) ; " A person shall not furnish information relating to a consumer to any reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. '' According to 15 USC 1681 XXXX XXXX, Equifax as a provider of information to a credit reporting agency is prohibited by law from sharing inaccurate information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and th
ey 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 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