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

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 EQUIFAX 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 EQUIFAX/XXXX XXXXXXXX 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 EQUIFAX 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 EQUIFAX 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

On XX/XX/XXXX XXXX XXXX  I made a debt settlement payment of {$2100.00} through Elite Financial Services to XXXX XXXX I was informed by Elite Services that this was a settlement that XXXX and XXXX agreed upon and would clear any other amount I owed. Elite Financial Services uses XXXX XXXX XXXX to make payments. 

1 ) Elite Services has never provided me with written information on any of the settlements I have completed. 
2 ) XXXX says they returned my account to XXXX on XX/XX/ and do not show a settlement payment. 
3 ) XXXX XXXX department says they haven't received a payment since XX/XX/. 
4 ) I have not received any paperwork from XXXX nor from XXXX the entire time I have been in dispute and or settlement with them. 

The payment was made, money was taken out of my account, and not one of these companies is taking responsibility to post this money. Fuerthermore, Elite Financial Services owes me a refund of {$1200.00} per the case manager I have spoken with. Finally, Elite Financial Services does not return my phone calls nor do they return my email requests to speak.
Product: Bank account or service

I received a letter from TCF National Bank and a questionnaire to be completed in regard to money transferred to another bank. The amount of the funds transferred totaled {$900.00}.   They requested from me : " What is the purpose of the transactions? '' " Who are the beneficiaries/originators of the funds? '' " Provide name, physical address, DOB, occupation, and nature of your relationship for the originator/beneficiary of the above mentioned transaction. '' I called TCF to get more info and was told they wanted to get to know their customers better ( I 've been a customer since around   XXXX    ), t hey want to know where the funds went ( they transferred them to  XXXX   XXXX  at my request ). If I do n't comply, they 'll close my accounts.   Told them this is intrusive, that I 'm not doing anything illegal and that I 'm not willing to provide the information.   I was told that they have a right to obtain this information due to  the Patriot Act. This  Act was not mentioned in the letter, or the questionnaire, and was only brought up  by TCF at least 10 or 15 mi nutes into the conversation. The person had no section number or any other info regardin g the Patriot Act. TCF state d more than once to me that my accounts would be closed if I do not comply.There also was a deadline to return the completed questionnaire.
Product: Credit reporting or other personal consumer reports

I am submitting this to bring to your attention a matter of great concern regarding the presence of unauthorized inquiries on my credit reports. As previously communicated, I am scheduled to update my credit reports in fifteen days. Enclosed with this correspondence is a copy of the FTC Fraud Report, referenced under # XXXX, which I will re-attach for your reference. The following inquiries, which I believe to be a result of alleged identity theft, are currently present on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

sent debt validation letter multiple times XX/XX/2019 XXXX XX/XX/2019 final letter sent XX/XX/2019
Product: Debt collection

They are reporting inaccurate information to the bureau which has affected my livelihood
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts associated with my personal information that have been impacted by fraud or identity theft be blocked and deleted, pursuant to my rights under 15 USC 1681c-2 ( a ). As a victim of the recent data breach affecting all XXXX credit bureaus, I have taken appropriate steps to safeguard my identity and would like to ensure that any fraudulent accounts opened in my name are removed from my credit file. 

Details of Fraudulent Activity : Account Name Issue XXXX XXXXXXXX Inquiry XXXX XXXXXXXX Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXXXXXX Inquiry 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION 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 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


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 XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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

This is the several time I've complained about being a victim of identity theft. XXXX and Equifax must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX Balance : - ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the outdated and incorrect personal information listed on my credit report. The following items are no longer accurate and should be removed : Addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Upon reviewing my credit report, I noticed that the addresses mentioned above are outdated These entries are inaccurate and could lead to confusion or potential misreporting in the future. I have taken steps to update my information with all relevant creditors and financial institutions. For accuracy and compliance with the Fair Credit Reporting Act ( FCRA ) .Pursuant to Section 605 ( 15 U.S.C. 1681c ) of the Fair Credit Reporting Act ( FCRA ), any obsolete information, including outdated addresses that are no longer relevant to my current credit report, should not be reported. The inclusion of this outdated address is in violation of this provision, as it is no longer accurate or applicable.

Additionally, under Section 611 ( 15 U.S.C. 1681i ) of the FCRA, I am exercising my right to dispute this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I have sent certified letters to XXXX, XXXX and Transunion regarding my bankruptcy information which was obtained from the XXXX XXXX  XXXX that has violated federal and New Jersey privacy laws. I have obtained a copy of my credit report that clearly shows that all three credit bureaus have different information and different filing dates. I have received correspondence from The XXXX XXXX  XXXX that they do not report or provide information to credit bureaus or agencies. I have sent to the 3 Credit Bureaus an Affidavit of Fact that my private court records have been violated.
Product: Debt collection

45 calls in less than a few weeks and now they are calling 2 or 3 times per day plus calling family and friends. 

Navy Federal
Product: Mortgage

My home was destroyed by both Hurricane Ian and Nicole. Both declared disaster area. My home was unlivable. Freedom mortgage purchased my mortgage from XXXXXXXX XXXX in the middle of all the chaos. I had a forbearance from XXXX. I requested additional time from Freedom mortgage due to the fact of insurance delays etc. and that we were not able to get any federal assistance. I had never missed a payment with XXXX  prior to the hurricanes. Freedom started the foreclosure process on my home that didnt even have walls or air conditioning. I on my own financed the repairs and sold the home stopping the foreclosure process. Freedom mortgage suffered XXXX losses. They are now negatively reporting to my credit report of 3 missed payments causing great stress and robbing me of the ability to purchase a new home for 7 years. Aggressive and predatory tactics to ruin someones life while in turn freedom mortgage was paid in full. 
They are awful to deal with and every request has a 7-10 business day life cycle. My house was under contract and sold before foreclosure. 

There is no one to speak to This has been traumatic enough. Now Im in pergatory for 7 years? Please help. 
They suffered no loss and i suffered a lot.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Product: Credit reporting or other personal consumer reports

Experian, I called Experian and spoke to XXXX at XXXX on XX/XX/2023 He said my address needs to be confirmed with documentation. 

I tried to Upload a copy of my DL with my current address to Experian.com/upload - and that does NOT work. 

He said to then call back first thing tomorrow to have the address added again with the supported documents ( proof of address ) they said a DL with the current address would work but if you wanted to also include a utility bill or any other proof thats fine too. 

Attached you will find : - drivers license - social security card - proof of address Please update my address on file and correct this as soon as possible - I have tried to apply for credit and denied as they say they cant access by Experian file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : {$320.00} - XXXX : XX/XX/XXXX : {$320.00} - XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$440.00} - XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$940.00} - XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX : {$940.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that late payments appear on XXXX accounts where I have never made late payments. This information is inaccurate and is negatively affecting my credit score. 

The accounts in question are : XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX No. XXXX. I submitted a dispute to the credit bureaus requesting an investigation into these late payments and asking for proof to support their accuracy. According to the Fair Credit Reporting Act ( FCRA ), the reported information must be accurate, and the agencies are required to correct any errors. 

To date, I have not received valid evidence justifying these negative reports. Since there is no proof that these payments were late, I request that my payment history be updated as on-time and that these incorrect records be removed. 

I appreciate the review of this case and look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity got stolen and someone from XXXX Arizona opened XXXX XXXX account in my name I have never been to Arizona! I had no idea this was going on Until it appears on my credit report and a collection please help me
Product: Debt collection

Find account on XXXX report that reflects rental debt not owed pursuant to FDCA 15 USC 1681i ( 5 ). I never lived or gained residence at this debt on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

SageStream - never heard of them until today. Claims my credit is too low to get a car. When tried to get a copy of my report, it says I have to submit a lot of personal information by mail. Feels very scammy.
Product: Mortgage

On XX/XX/XXXX, i was informed by my mortgage servicing company, Loancare LLC, that they needed proof of my homeowners insurance or they would purchase a policy for {$4300.00}. This is how I found out that my policy hade been canceled on XX/XX/XXXX by my insurance carrier. I immediately obtained a new policy that started on XX/XX/XXXX and it is currently in place and they have the proof required. However, they are now going to charge me {$4300.00} for that lapsed time period. The policy lapsed XX/XX/XXXX. 
I did not receive notice of the lapse from my insurance carrier, my agent or the mortgage company. 
Per legal statute : The servicer must send the first notice at least 45 days before purchasing a force-placed insurance policy. The servicer must then send a second noticea reminder noticeno earlier than 30 days after the first notice and at least 15 days before charging the borrower for force-placed insurance coverage. This notice must include the cost of the force-placed insurance or a reasonable estimate of the cost. ( 12 C.F.R. 1024.37 ). 
They just sent a notice on XX/XX/XXXX. They did not send any notice during XXXX timeframe. I did not receive a notice of cancellation from the insurance company as the policy had the wrong address. I am not even sure why it was cancelled as the premium was paid.
Product: Debt collection

This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable.

The original signed agreement or contract linking me to this account.

Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my profile there are still erroneous items and I'm very upset about the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind. Would you kindly remove these erroneous items for I believe they are reported erroneously in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XX/XX/XXXX
Product: Checking or savings account

I have submitted the complaint in the mail with supporting documents through USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX and i want to submit online to get the status.
Product: Vehicle loan or lease

I bought a new vehicle and had to take a loan out through XXXX XXXX XXXX Chase Auto Loan. After receiving the car, there were many issues with it. I contacted XXXX and after months of attempted repairs we went to arbitration and I was granted a repurchase/vehicle buyback from the arbitrator ( please see attached arbitration award ). XXXX did not follow through and I have attempted to work with XXXX XXXX XXXX Unfortunately, XXXX XXXX XXXX XXXX loan and stated I was fully liable regardless of the arbitration award. Other facts are this car won the arbitration award due to it being unsafe and falling under the lemon law. This car also lacked safety and other features promised when pre-ordered as well as other items that were promised that were never received to date. Last, the vehicle value dropped more than XXXX XXXX after purchase which would not be an issue if I had a safe working vehicle but I don't. Now I am left with a vehicle I refuse to pay for as I had to purchase a safe car XXXX XXXX with my child. This is severely impacting my XXXX XXXX now putting me in a financial situation as a single mother. I feel this is a very unfair situation to be in with no help. I am feeling helpless.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

I was never late on these accounts. Please remove the late payment remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : US DEPT. OF EDUCATION/XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the CAPITAL ONE BANK USA but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
CAPITAL ONE BANK USA XXXX Open Date XX/XX/2016 Balance : {$8500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items that I have purchased via the company XXXX XXXX XXXX on credit. I have paid off several items dating back to XX/XX/XXXX to now XXXX of XXXX and haven't been late on one payment. None of this information is reflected on my credit report but derogatory marks are. The three companies that have missed this information are XXXX, Transunion and XXXX.