23daVinci/CFPB_Complaints huggingface dataset:
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. 



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 inructions 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 card

Indigo credit card attempted to open a card in my name on XX/XX/year>! I did not apply but got several notices of a new alert on my account! This was not me please help!
Product: Credit reporting or other personal consumer reports

XXXX  has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date.
Product: Debt collection

On XX/XX/2020, I sent a Notice and Demand to Validate Debt Claim. 

On XX/XX/2020 the company sent me a correspondence that there was no debt owed. 

The company is still reporting that there is a debt and is still reporting to third party credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a notification of some inquires that i did not recognize or authorize that appeared on the credit bureau 's. I've tried to have them removed but but have gotten no where. On XXXX, in XX/XX/2022 and 2 companies called Ally Financial XXXX XXXX XXXX  XXXX XXXX both submitted an inquiry that i did not authorize and am trying to get it removed asap because it's affecting my credit scores. 
Also I believe same company pulled an inquiry on my XXXX, XXXX XXXX XXXX XXXX for XXXX on XXXX, XXXX, 2022. 
Also on same date on XXXX, these same companies and some additional ones pulled inquires, XXXX XXXX XXXX XXXX, Ally Financial, XXXX XXXX XXXX, & XXXX XXXX all pulled on XX/XX/2022. 
I personally did Not autherize any of these inquires, please help. I've done all that i can do, thanks in advance for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES DISPUTED MULTIPLE TIMES, NOT CORRECTED AFTER THEREE MONTHS : 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: Mortgage

I have a mortgage with PHH mortgage. XX/XX/year> I applied for a loan modification due to my XXXX. During this process, I was told by PHH mortgage that I had to make partial payments in order to qualify. PHH mortgage sent me confirmation that I was approved for the modification. After several months of partial payments, I was qualified and sent a final agreement for loan modification. After reading the modification, I noticed that there was an error on the final document. The underwriters wrote that there was a second person on the mortgage, which they confused for the seller of which I purchased the home from. I asked them to send me the document that they Reviewed that they thought showed a second person on the deed. After reviewing it and having it sent to the local title company that did my mortgage. It appears that the meaning PHH mortgage did not read the document correctly. The document that they sent was stating that the seller, XXXX XXXX is selling me the property and signing over ownership to me. Due to their incompetence, I was not able to sign the modification in the timeframe they provided. I contacted them before the due date. HPHH told me that that theyre underwriters will fix it and send me a new one just keep making the modified payments until then. I kept making my modified payment and just this last week XX/XX/year>. I was told that I was denied for not bringing it in on time. And that now my options are short sale or foreclosure. I am very concerned and stressed after reading the denial letter. I believe that theyre underwriters are incompetent and or they are trying to steal my home to sell it. Ive never missed a mortgage payment before this. I only made the modified payments because they told me thats how would qualify. I have certified documents from the title company that I am the sole owner of the property. I emailed them to the underwriters and they still denied me. Nor did they ever send me a corrected final modification to sign. I believe that they are trying to fraud and lie to from me losing my home. Please help me thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX there were a few transactions on my credit card. The credit card is with XXXX XXXX XXXX  those transactions were fraudulent transaction not made by me the company refund me and gave me credit .my problems is that one undecided to cancel my XXXX line credit card they reported me to the three credit bureaus unfairly. I have requested from them the statement of when i first reported the fraudulent activities but they refused to provided me with that information. The reason i asked for this is so i can summit a dispute with the credit bureau explaining those unfair late payment that were reported to the credit bureaus. My credit have decrease tresmendely due to their unfair practice it when from XXXX _ XXXX. because this happen to me i did research on XXXX XXXX   and they have done this too quiet a few of consumers. All im asking them is to contact the bureau and fix their wrong doing the transactions happen inXX/XX/XXXX i have a letter from them that i receive XX/XX/XXXXa year after i reported the fraudulent activities i keep going back and forth for month with them. the reason i am filling my complaint now is because i just saw the my credit report i never thought they will do this since those transactions were fraudulent which they determine are fraudulent. They refused to help me with papers work to get this of my credit i appreciate your organization help and please i hope one the investigation is done you can help other consumer affected by this dishonest practice of this company. The name of the company is XXXX XXXX XXXX and their phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian by certified mail requesting they provide proof of contracts between myself and the companies listed under collections on my credit file that are reporting negative information on my file. I requested to be provided with contracts between these companies and myself or for it to be deleted upon failure to produce said contract. I submitted this request on XXXX and it was received by them XXXX. It has been over 30 days and I haven't received any updates and the disputed information still remains in my credit file. The first company listed on my dispute letter was XXXX XXXX XXXX XXXX, which was deleted. The second company is XXXX XXXX XXXX which is listed on my report twice in which Experian has not provided any contract between myself and XXXX XXXX XXXX as requested. The third company is XXXX XXXX in which Experian has not provided a contract between myself and XXXX XXXX as requested. The fourth company is XXXX XXXX XXXX in which Experian has not provided a contract between myself and XXXX XXXX XXXX as requested. I have attached the letter that was sent to them in which I requested proof of contracts between the above companies and myself or deletion of this negative information in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my Equifax report has late and with a last payment date of XXX 2017. I have n't had an account with this company in over 15 years. This debate is well over 10 years old. The company needs to validate this debt with history of the account and last payment. This should not be reporting on my credit report as this information is not validate!!! I do n't owe XXXX  XXXX any money therefor it should n't be reporting late payment and balance due.
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 # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 card or prepaid card

about a month ago I filed a complaint to discover card through this same company and they want to give me a lower interest rate on things I will buy not what I already bought .That isn't helping me pay this off why cant they lower the interest rate on my bill I am trying to pay off.The rate is 20.49 % on purchases and 26.49 % on the cash advance I had to take out so out of the XXXX I am paying XXXX is going on the principal.so how am I ever supposta pay this off and I cant believe the government doesnt step in and do something about the high interest rates
Product: Debt collection

When I moved out of this apartment, I gave the appropriate amount of time to do so. I was still charged these fees. I have contacted this company several times to resolve this problem in the past as I was not the only person on this lease.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by PHL . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment was made on time, as evidenced by the attached bank statement showing the transaction on or before the due date. 
Natural Disaster Accommodations : This account was affected by a natural disaster, which should have precluded any late payments from being reported during the affected time frame. 
Clerical Error : There was an administrative error on the creditors part, not reflective of my actual payment behavior. My consistent payment history supports this claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 XXXX days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  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

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX  XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX , XXXX. : XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Equifax Dispute Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX, Pr XXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX XXXX, FL XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX XXXX
Product: Debt collection

This organization has purchased the debt at issue from Capital One.

I have never done any business with Capital One or XXXX XXXX XXXX ( hereinafter XXXX ).

I have informed XXXX via reply to one of their notifications regarding this debt. I have informed both Capital One and XXXX that I never open an account or contract electronically or via the internet. I do NOT sign any contract unless it is with a notary present and I can sign my wet-ink signature on the contract to signify my agreement.

XXXX claims I opened an account online with Capital One. This is untrue ; and if they maintain this claim, I am demanding to see the initial contract I signed to do so. If there is no such contract, there is no such debt in my name ( XXXX XXXX ), and XXXX  will not receive one penny towards this false debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX has a collection on my credit report that is not mine and they refuse to remove it. They are in violation of the ( FCRA ) Account not mine : XXXX XXXX XXXX ; Not Mine XXXX XXXX XXXX ; Not Mine
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed all 3 credit Bureaus via postal service on account with XXXX XXXX account number XXXX asking for verification not validation of this debt because of its inaccuracies. It is my complete understanding that a debt placed on my personal credit report should be 100 percent accurate and verifiable at all time and must match. All 3 responded as the debt had been verified. I then sent another dispute to the credit bureus via certified mail on XX/XX/XXXX and the same response was given the debt was verified. I contacted the XXXX XXXX for documents and I havent received a response to date. I then filed a complaint with you all please see complaints # EQUIFAX-XXXX XXXX XXXX Most I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this tradeline, and the results came back either verified or updated ''. There are several inaccuracies across all three credit reporting agencies. I have attached copies of the reports that they are each reporting. i would like justification on what method of verification they used and why they are allowing these inaccurrates to continue to hinder my life. I am filing with the attorney general on XX/XX/XXXX and preparing for a lawsuit. As i have a solid paper trail of these discretions.

*open dates are all conflicting *XXXX is even claiming a payment of XXXX was made? How is that when its a charged off account. Which makes them all have incorrect balances? 
*Charge off accounts are acknowledgement that the debt is uncollectable and lets the IRS give a tax credit. So the balance would be XXXX. Each report is reporting a balance whether wrong or not. 
*HOW CAN A CHARGED OFF ACCOUNT THAT SHOULD BE REPORTING XXXX SHOW A PAST DUE BALANCE AND A BALANCE AMOUNT? 
That is clear vioation of myrigthts as of the consumber law 623. which states that Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. 


DELETE THIS UNVERIFIED ACCOUNT
Product: Credit reporting or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. The accounts listed in attathcment 15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumerto anyconsumer 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

On XX/XX/year>, after being denied d for home loans in or about XX/XX/year>, I went online and requested that all three credit bureaus send me my annually credit report for free where only Transunion was the only Credit Reporting Company that complied with my request. I have had a mediation agreement in placed that required Transunion to reported past paid accounts that were in good standing and Transunion has failed to honor the mediation agreement. The agreement required Transunion to remove incorrect personal address and incorrect business information and Transunion has also failed to comply with that legal request. I have incorrect mortgage supplemental information reporting on my credit report in which the data analyst payment history, loan amounts and balance are also incorrect. I have not consented to promotional inquires and requested for them to be removed, in addition, I written letter opting out of having my personal information being shared with third parties without my consent and transunion has violated my rights to privacy, my information has been revived by the following company where authorization was not consented or exclusively provided to Transunion third parties companies such as :, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were authorization home-loan, I went online and requested that all three credit bureau provide me with my credit report. After waiting several months for the others to send me my credit report only TransUnion in which I would like to have removed and correct home loan information to be properly report and the opt out of third party promotion and inhouse promotion removed from my credit report