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

Account Name : XXXX XXXX  XXXX XXXX Account # : XXXX I sent a dispute registers mail with return receipt to all three credit reporting agencies on XX/XX/2022. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2022, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( XXXX ) and the person XXXX XXXX XXXX XXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report! 
late payments is an experience with the line of credit that was extended between the consumer ( XXXX ) and the person ( XXXX ) [ XXXX XXXX that is making the report. XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC1681a ( 2 ) A ( 1 ) by reporting this transaction or experience ( late payments ) on my consumer reports which XXXX clearly states IS NOT included on my CONSUMER REPORTS. 
You have XXXX calendar days to delete account Failure to respond satisfactorily with deletion of the above late payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted Transunion via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with this XXXX XXXX XXXX been a member since XX/XX/XXXX. On XX/XX/XXXX, I paid the balance off totaling {$2400.00}. Checked balance via online bank website in XX/XX/XXXX and balance stated {$0.00}. On XX/XX/XXXX, received a alert XXXX XXXX stating I was late making payments for the month of XXXX, XXXX, and XXXX to XXXX XXXX card. Contacted them the same day and was told that this was caused by a computer error and my account is {$0.00}. I told the client service represenative because of their computer error my credit was affected by it, I was told to just dispute it with the credit bureaus and since they fixed the error it would be fixed on my credit. XX/XX/XXXX - disputed that I was never late with XXXX and Equifax XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Called the XXXX and was told the same thing that I was told on XX/XX/XXXX and was also told to contact their member solution dept. Disputed it again with both bureaus. XX/XX/XXXX - Sent a instant message through the online bank website in regards to my issue. XX/XX/XXXX - Received a message for a XXXX stating " I apologize for any issues you have had with your Visa Card. I reviewed your account and on XX/XX/XXXX your account was adjusted to remove the late charge. You should n't receive any more late notices. Your Visa is paid off. Please let me know if you have any other questions or concerns. '' XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Sent a instant message back to XXXX stating that my credit report did not change and was still stating that I was late for XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX - disputed again with all three credit bureaus XX/XX/XXXX - checked XXXX  online bank message for a reply, no reply, sent another one. XX/XX/XXXX - Sent an email to their member solutions dept. about the situation and as of XX/XX/XXXX no response from the bank. Filed a complaint to the state attorney generals office. XX/XX/XXXX - the false late payments were removed from my credit report. XX/XX/XXXX - late payments are back on my cedit report, which is adfecting my credit score.
Product: Checking or savings account

When ever I use my card for payments the balance on my account would immediately updated - real time. As of Monday XX/XX/2022 the balance on my account ( checking ) was $ XXXX. After this balance there was two incoming transactions - from XXXX XXXX XXXX of $ XXXX on Tuseday XX/XX/2022 and another from XXXX on XXXX XX/XX/2022 $ XXXX early around XXXX XXXX. However, these deposites were not shown up on the account until Thursday XX/XX/2022. 

And there were two outgoing transactions- one for {$910.00} for home rent, and another for $ XXXX for XXXX energy payment. 
After these transactions my ending balance should be $ XXXXBut I was told my ending balance has a negative balance of $ XXXX The reason the brach manager gave me was, a payment for car rental which is paid on Friday XX/XX/2022 for $ XXXX has been pending and that was the cause for negative ending balance. 
The reason why I didn't buy his reason is : 1 ) Whenever I making payment the Bank App on my phone updated immediately on real time. And I have seen that as I mentioned above the ending balance was {$650.00}.

2 ) Even after {$580.00} clear on XX/XX/2022, stlll my ending balance should have positive balance of {$240.00} or above.
Product: Debt collection

contacted company asking about the Hippa laws violation.company refused to respond with original documents showing they have the right to brandish negative item on my credit report. 
I also contacted the the reporting bureau and they claim that advance verified that the account being reported is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX KENTUCKY HOUSING COPORA XXXX XXXX XXXX XXXX, KY XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent KENTUCKY HOUSING CORP you furnished alleged transaction on my XXXX, XXXX and XXXX reports that you identified as late. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 30 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know your not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 30 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : Anything other than deletions and correct updates will result in me seeking monetary damages for each inaccuracy that shows on these credit accounts! 


___________XXXX XXXX______________________ Without Recourse UCC 1-308
Product: Credit reporting or other personal consumer reports

There is an inquiry on my credit report that I don't recognize. I've contacted TransUnion and the representative made it clear that they were going to remove it, but it's still in my credit report.
Product: Credit reporting or other personal consumer reports

Called Experian on XX/XX/year> with a request to delerte fraudlent HARD credit inquires on my credit report and they failed to delete them. 

I infomed them I would be filing a complaint as they have incorrect and fraudulent information on my credit report. 

Again they state3d they would not delete the incorrect and fraudulent information that is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF EDXXXX XXXX XXXX  XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

I received an inheritance money order from XXXX XXXX XXXX  in XXXX Florida, From my XXXX  XXXX XXXX 's estate, and Chase Bank has it on a fraud hold because of the amount. We have been trying to work with them to get them to release at least some of the money and they refuse. we are getting food from food banks and they're letting our bills go into overdraft and charging overdraft fees while holding onto our funds. My XXXX  and I had an anniversary on the XXXX of XXXX and we couldn't do anything because they're keeping all of our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing old accounts over 7-10 yrs closed and XXXXredit score dropped 100 points and credit bureau can not explain why? 

I went from XXXX to XXXX and my accounts are paid up in advanced by two months or more and on time 100 %. 

In fact, it should be well over 800 points. I have compared my report to other reports that are not in so good standing and theirs are far better than mine. 

I am really questioning if credit reporting bureaus is a discriminatory system, because there should be no way people who have a 20 yr negative debt on their report with no loans or credit with a score of XXXX which is way higher than mine, at XXXX. I am just baffled? Of whom the person is non XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint regarding the handling of my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite multiple attempts to resolve inaccuracies on my credit report, the reporting agency has failed to address my concerns adequately, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX. 

Violation of FCRA XXXX XXXX. XXXX : My letters, which were written using accessible software available to everyone, have been disregarded. If the agency chooses not to process or address these letters, they are violating the law. The assumption that assistance from a third party XXXX be available does not justify delaying the processing of consumer letters. No XXXX of Attorney is required to address my concerns. 

Failure to Dispute Inaccurate Information : According to FCRA XXXX XXXX ( XXXX U.S.C. XXXX ) and the accepted XXXX XXXX XXXX XXXX data field reporting, I have the right to dispute any incorrect information on my credit report. The allegations of delinquency and derogatory information against me are entirely false. These claims fail to comply with basic reporting standards and do not meet federal or state requirements for reporting. 

Request for Permissible Purpose Evidence : I demand proof of a permissible purpose for the inquiry or account within my report. The lack of such proof indicates that the agency has not fulfilled its responsibilities adequately. 

My information was impacted by the XXXX data breach, leading to multiple fraudulent items appearing on my credit report. I did not authorize the sharing of my non-public information, and the reporting of this information is not fair and equitable as per XXXX U.S.C. XXXX Section XXXX. 

XXXX Violations XXXX : XXXX U.S.C. XXXX Section XXXX : Right to privacy. 
XXXX XXXX. XXXX Section XXXX Section XXXX : Consumer reporting agency can not furnish an account without written instructions. 
XXXX XXXX. XXXX ( a ) ( XXXX ) : Prohibition of adverse items of information older than XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) : Prohibition of furnishing inaccurate information knowingly or with reasonable cause to believe the information is inaccurate. 

I am granting a XXXX period from the date of delivery of this letter to rectify the situation. I request tangible evidence of the actions taken and an updated copy of my credit report. If the allegations are indeed false, I expect them to be promptly removed from my credit report. 

Please see the attached letter for the details of my dispute. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX  XXXX Account Number : XXXX Date Reported :XX/XX/ & XX/XX/ I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX XXXX and can provide documentation to support this. 

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for XXXX : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX XXXX to confirm the validity of the reported late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NV XXXX SSN : XXXX XXXX : XX/XX/1989 Dear Sir/Madam, I am writing to lodge a formal dispute regarding inaccurate information on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ) and its corresponding regulations. I kindly request the Consumer Financial Protection Bureau 's intervention to enforce my legal rights and rectify the erroneous reporting by the creditors in question. 

Creditor Violations : XXXX : Account number : XXXX Violations : Reporting Inaccuracy Explanation : The reported late payment history is entirely inaccurate. To my knowledge, this account has consistently been paid on time. This inaccurate reporting has profoundly impacted my credit standing, leading to personal and financial difficulties. 

XXXX XXXX XXXX NV XXXX XXXX : Violations : Incorrect Personal Information Explanation : The inclusion of this incorrect address on my credit report has caused significant distress. This address is not associated with me, and its presence has unfairly damaged my creditworthiness and personal reputation. 

XXXXXXXX XXXX XXXX NV XXXX XXXX : Violations : Incorrect Personal Information Explanation : The erroneous attachment of this address to my credit history has caused considerable emotional turmoil. I have never lived at this address, and its inclusion on my credit report is adversely affecting my financial opportunities and overall quality of life. 

Personal Impact : The ramifications of these inaccuracies have been far-reaching and deeply emotional. The credit reporting errors have led to denials of crucial financial opportunities, including mortgage applications and credit extensions. These rejections have upended my dreams of homeownership and have hindered my ability to provide stability for my family. The constant struggle against these inaccuracies has inflicted severe emotional distress, leaving me feeling helpless and defeated. 

I implore the Consumer Financial Protection Bureau to stand as a champion for consumers ' rights and ensure that justice is served. I call upon you to enforce the provisions of the FCRA to compel the creditors in question to perform a thorough and timely investigation. Additionally, I kindly request the removal of the unverified accounts from my credit report, as their presence is unjust and continues to exacerbate the undue hardship I face. 

I look forward to your assistance in rectifying this distressing situation. Please communicate your progress and resolution to me in writing at the address provided above. Your intervention in this matter would provide much-needed relief and restore my faith in the fairness of the credit reporting system. 

Thank you for your immediate attention and understanding of the importance of this matter. 

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

I am a victim of the Equifax data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ).
Product: Student loan

I applied and received a loan for {$1500.00} through XXXX XXXX from Sally Mae I finished my my courses and soon after XXXX XXXX no longer existed. During the the courses of my classes XXXX and was unable to work. This all happened well I was in school. I was on unemployment and making payments to the company. Years have passed and i recently got a job where they recently started to garnish my wages. I called and talked to the people and was going to set up payment arrangements but I was talking to XXXX of them and found out they were trying to say I had XXXX loans out which is amazing not true now I think I 'm being taken advantage of and I did a little research and seen that Sallie Mae is getting sued for taking avenge of other people and there a lawsuit filed against them. I would like contact from you guys and see what my choices are cause I feel this is unfair. People are trying to better there life 's and company 's like these are taking advance of people they think wo n't fight back. I know I owe something but for {$1500.00} my loan to the company changing me over {$8000.00} is just ununexpectable.Thank you for your time. 

Sincerely XXXX XXXX