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

I recently pulled my credit and noticed that XXXX XXXX XXXX is reporting a debts on my credit file that I no longer owe or have a balance. XXXX XXXX XXXX is still reporting an active balances. Also, they are double reporting with XXXX. XXXX. I've done some research and per the FCRA regulations listed on their site, it is a violation for two companies to report the same debt on my credit report. I am requesting XXXX XXXX XXXX to remove this debt off my credit file XXXX XXXX XXXX Account # XXXX - XXXX XXXX. XXXX Accounts # XXXX - XXXX
Product: Consumer Loan

This is a supplement to Case No. XXXX : We have since received responses from the credit bureaus that Ditech said the credit reporting information was correct. Today, we received certified notices for homeowner counseling with a PAST DUE AMOUNT OF {$7400.00}. Ditech is obviously not recognizing the new contract that was put in place during bankruptcy and filed with the Court, and acknowledged by the Court. The credit reports now have " Charged Off '' and {$0.00} past due. A XXXX, 2015 statement also states charged off, and {$0.00} past due, and now a new statement showing {$7400.00} past due. This is truly unbelievable. Do I need to take my savings and sue this company? They are in breach of contract, and have obviously violated FTC rules, wrong reporting on my credit report as Charged Off, rather than Included in Bankruptcy, and states {$0.00} due. So, technically it looks like on the credit reports we do n't owe anything. How can a company do this to people. They depend on their attorneys to have political clout within the court system, but hopefully I can locate someone to sue them in Federal Court where the playing fields are somewhat more level. I feel sorry for people that dont understand their rights, but unfortunately to exercise your rights, it takes a lot of money, which I do n't have obviously having gone through bankruptcy. Please advise the status of any assistance you can provide.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( 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!

Update the late payments from my consumer reports
Product: Other financial service

My insurance company have issued check for car repairs Two party check. Repair shop did not repair the car. 
But have take the check to check cashing forged my signiture and cashed the check. I have been not present at time of the transaction either I have authorized to cashe the check. The check cashing have not obtained any ID verification or contacted me as one of the parties named on the check. Check cashing have cashed the check using my name under my name/customer account. Check cashing have committed conspiracy to fraud and forgery. Check cashing have been refusing to provide the documents related to the frauduntly transaction. According to statment from witness the check. The individuals who cashed the check frauduntly have connection to the check cashing employes. So they have done a fabet and cashed the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # starting with XXXX, XXXX XXXXXXXX XXXX Account # starting with XXXX, XXXX XXXX Account # starting with XXXX, XXXX  XXXX Account Ending in XXXX, and XXXX XXXX Account # starting in XXXX has violated my XXXXights.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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE ACCOUNTS DUE TO AGGRAVTED IDENITY THEFT. THESE ACCOUTNS DO NOT BELONG TO ME. I'M A NATURAL HUMAN BEING DO NOT CLOSED THIS STATING IT IS NOT ME.
Product: Checking or savings account

I opened up a dispute for {$2700.00} for a XXXX XXXX XXXX charge. I signed up for commercial auto insurance through this company and had problems from the initial sign-up. Navy Federal asked me for a copy of the correspondence with the company and any additional correspondence showing they did not fulfill their side of the obligations. I uploaded those documents on time through their portal. Navy Federal never called me for additional verification or with any questions, they just canceled out the temp credit, and now my account is negative for {$2700.00}. I have contacted Navy Federal, and I am not getting many answers.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to report a critical issue regarding my credit profile, which has been compromised due to identity theft. National Credit System ( NCS ) has reported damaging information regarding a {$1200.00} debt that I am wrongly associated with. Despite my efforts, NCS and XXXX XXXX XXXX XXXX XXXX have failed to provide any supporting documents or address the situation adequately. 

Attached to this letter, you will find a police report confirming that I, XXXX XXXX XXXX XXXX, have never resided in XXXX, Florida, where the alleged lease was established. This evidence, coupled with the lack of supporting documentation, undeniably proves that this incident is a case of identity theft, not a legitimate debt. 

I urge the Consumer Financial Protection Bureau to promptly rectify this matter by removing the inaccurate information from my credit report. This fraudulent debt is jeopardizing my ability to purchase an investment property in a timely manner, and its presence on my profile has severe financial implications. 

Furthermore, I request a thorough investigation into who these individuals are who have comitted this fraudulent charge. National Credit System and XXXX XXXX XXXX XXXX XXXX  have yet to provide any documents such as lease or ID. i provided a police report which also says that i have no ties to anywhere even remotely close to XXXX Florida. By holding these entities accountable, you will not only safeguard the integrity of your credit reporting process but also protect innocent individuals from the detrimental effects of identity theft. 

Thank you for your attention to this matter and for your swift action in resolving it. I have confidence in the Consumer Financial Protection Bureau 's commitment to fair and accurate credit reporting. 

Please contact me if any additional information or documentation is required to assist in resolving this issue. Your understanding and cooperation are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was affected as part of the Equifax data breach. I signed up for TrustedID from Equifax on XXXX. Today is XXXX and I received the sign-up email from Equifax last week, but their website has been down/broken. The sign-up email says " You have already signed up for TrustedID and this link is no longer valid. '' However I never signed up for this service - the link never worked for me. The website www.trustedID.com is down and has been for days. In the random moments the website goes live, I try to request my password ( I never created one, but it says I have an account, so I figured I could try it?! ) and the website just times out and then crashes. 

This is wholly inadequate. Equifax should be fined and censured for their callous attention to basic security practices which can affect my credit score.
Product: Credit card or prepaid card

I have been lied to numerous times by this company. I lost my job and feel a bit behind. When I was contacted by collections they said I would be put on the Fresh Start program, which was a program, where I paid {$90.00} for 3 months and the account would be re-activated.     When I called in to make my payment, the collections rep said  Well  your account is only behind {$120.00} or some weird amount, and said if I was to pay that my credit line would be unfrozen. I paid that, and the account remained frozen.     Then I was told that if I paid all the collection accounts on my credit bureau, the account would be unfrozen. To date, I have paid every debt I have with the exception of  Discover  Card, who I have been current with for months, but they refuse to unlock my credit line dispute my complying with everything they have asked for me to do to unlock my credit line. I even provided them with copies of the letters from my supposed Bad debts from the data-furnisher themselves, and copy of the certified checks sent to them, but they wont unlock the credit line.     This company has lied me to at leas t seven  times, and their internal collections department will do anything to make you pay more and wont keep up their end of the bargain.     These are a bunch of lying thieves who do nothing more than pray off of sub-prime borrowers.
Product: Credit reporting or other personal consumer reports

I found several suspicious accounts on my credit report during my latest review. Please remove these fraudulent accounts, as they are affecting my ability to acquire credit. I do not know these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company has been calling my mother 's home for the past few months, upwards of 3 times a day. It's some woman that keeps calling. Every time my mother would pick up, she would say " she's not here may I take a message '' and they would respond " no '' or " I'll call back '' and hang up in my mother 's face. Well finally someone mentioned who they were and yes, I was livid. I have already received a letter from these people, but I am unemployed, as I have been for several years now. How in the XXXX did they get her phone number and why are they harassing a XXXX year old woman? The constant hanging up in her face, calling in the morning, afternoon and evening hours only to hang up and leave absolutely no name? Stop calling her! I have your letter and once I am employed I will definitely make a payment but these folks have no right to keep calling. I've already contacted the state attorney general ( Texas ) but I may take the extra step and contact the one in California since they are located out there according to their address. Stop calling my mother! NO MORE PHONE CALLS! I will respond as soon as my finances allow!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ran my credit when applying for a autoload and was told that I was not approved due to negative accounts on my credit. When closely examining my report I noticed several accounts that I have never been associated with and never gave permission to run my credit. Someone has done identity theft on me and now my whole credit rating is ruined. The accounts list as follows XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Us dept of vet affairs, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CPFA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations!
Product: Debt collection

Debt Collector called my personal cellphone in violation of the Telephone Consumer Protection Act. The debt is not mine, but for another with a similar name. SSN does not match. I never gave permission to the Debt Collector or to the underlying creditor to contact me on my cell phone
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX Credit Card showing up on my credit report that is delinquent, this used to be a ( XXXX XXXX card ) is what they told me when I contacted XXXX XXXX about this account showing up on my credit report and I never had a XXXX XXXX credit or credit card. I want someone to prove or show proof of this account agreement that ties me to this account that is on my credit report? 
I do have two XXXX XXXX credit cards that I have had for several years now, I have had no issues at all with either one. 
Here is the two cards that belong to me only XXXX XXXX ... ... ... # XXXX and a Platinum Card ... .... # XXXX I have disputed this twice now with TransUnion, they said that it belongs to me, I don't know why or how? but they have not showed how this belongs to me. 

Please let me know what I can do to get this matter resolved and also getting what ever else is tied to this account that is showing delinquent.
Product: Debt collection

Convergent Outsourcing ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ), a collection agency that appears to be a fraudulent company, has used my personal information to falsely accuse me of owing {$610.00} to XXXX. According to the company, the account was created in XXXX in XXXX, when I lived in XXXX, and closed XXXX. I called XXXX regarding the information after speaking to XXXX XXXX, who had no record of a previous delinquent account in my name. According to XXXX, Convergent used a completely different social security number from mine. I also found an official news article regarding other people 's fraudulent experiences with Convergent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, whichstates that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below arestill reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Adjust. I requested a validation on XX/XX/XXXX as the debt amount owed is not correct. On XX/XX/XXXX I received a response that the creditor needed more time to investigate the account. No further correspondence nor validation has been received from National Credit Adjust and they have exceeded the timeframes to provide validation. Based on their failure to validate this account adequately I disputed the account with all 3 credit bureaus on XX/XX/XXXX however the account is still reflected on my credit profile and continues to negatively affect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION A SECTION 2 I ALSO STATE A CONSUMER REPORTIING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit card or prepaid card

I signed a paper to have my credit checked but never agreed to a credit account. I already have a complaint against XXXX XXXX for opening up another account. I was in a timeshare presentation on XX/XX/XXXX, they ran my credit said I was approved for everything, but never mentioned I was getting a card or any line of credit.
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 Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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

Im not sure what went wrong. I have repeatedly mailed letters to the credit bureaus but have yet to receive a response. My name is XXXX XXXX, and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on my credit report which I thought it was already taken care of. I personally called XXXX and spoke to different departments in regards to the error that was placed on my credit. They specifically told me that they will submit a request for credit reporting correction, and it still reports as an error. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) failed failed to bill my health insurance for a boot and crutches ( " medical supplies '' ) I received ; instead, XXXX erroneously billed my hearing insurance for TWO clinic appointments. Under my health insurance, XXXX, medical supplies are fully covered, requiring no payment from me. However, because XXXX failed to submit the charges correctly, they are now trying to collect the debt from me. XXXX has admitted that the charges resulted from XXXX XXXX own billing error. Rather than taking action to correct its error, XXXX has continued to pursue collection efforts against me.