23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on 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 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 months that are reported late 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 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently took a close look at my credit report and was shocked to find multiple items that are incorrect, unverifiable, and seem highly questionable. These errors have caused me a lot of stress, and its clear that your agency hasnt done enough to ensure that the information being reported is completely accurate, which is required by law.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE 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: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solution. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX  Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to dispute the validity of a debt allegedly owed to XXXX. XXXX, XXXX ( creditor ). The creditor 's information is as follows : XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX *Account Information* Account Number : XXXX I dispute this debt for the following reasons : 1. Lack of verification : The creditor has failed to provide sufficient documentation verifying the debt.

2. Inaccurate information : The debt amount/account status is incorrect.

Pursuant to 15 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I request : 1. Immediate cessation of collection activities.

2. Validation of the debt, including original contract/agreement.

3. Verification of account balance. 

Please investigate this matter and ensure the creditor complies with federal regulations. 

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

I want my profile to be In accordance with the Fair Credit Reporting act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX All credit inquiries Apartment complex in MI XXXX, has violated my rights. 

Per 15 U.S.C 1681 section 602 A. I have the right to privacy. Per 15 U.S.C 1681 Section 604 A Section 2 : as a consumer, It states a consumer reporting agency can not furnish a account without my written instructions. They do not have my written instruction. Per 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. Per 15 U.S.C. 1681s-2 ( A ) ( 1 ) ... .shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I have rights under the Fair Credit Reporting Act. 
TransUnion is in violation of the FCRA Section 604. Permissible purposes of consumer reports and Section 607. Compliance Procedures. THEY VIOLATED THE UNITED STATES CODE LAW. 

My personal information was exposed in the XXXX  breach in XXXX and I sent a dispute letter to Transunion about some impermissible inquires on my consumer credit report. The first letter was sent on XX/XX/XXXX. Transunion has yet to remove these impermissible inquires from my consumer credit report. FCRA Section 607 states that CRAs are required to make sure that consumer reports are only being used by appropriate people and for legitimate purposes, as spelled out in Section 604. 

FCRA Section 604. Permissible purposes of consumer reports clearly state any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1. In response to the order of a court having jurisdiction to issue, such as a subpoena, and in connection with proceedings before a Federal grand jury 2. In accordance with the written instructions of the consumer to whom it relates 3. To a person which it has reason to believe A. intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer B. intends to use the information for employment purposes C. intends to use the information in connection with the underwriting of insurance involving the consumer D. intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status E. intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation F. otherwise has a legitimate business need for the information i. in connection with a business transaction that is initiated by the consumer ii. to review an account to determine whether the consumer continues to meet the terms of the account.

IMPERMISSIBLE CREDIT REPORT ACCESS IS A BREACH OF PRIVACY Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave Transunion any written consent to report anything on my consumer report, nor did I instruct or give consent to anyone in writing to obtain my consumer report. No consent is Identity Theft. As a consumer, these inquires in this complaint must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also, I have already involved and sent a letter to the attorney general 's office, XXXX XXXX XXXX, and federal trade commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing alot of unauthorized information on my credit report with transunion that is hindering my file. checking my credit profile ive noticed alot of invalid information. this is hindering my file an stopping my approvals. please update all of the information requested.
Product: Credit reporting or other personal consumer reports

To : Experian I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT account on my report which do not belong to me.

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent.

ACCOUNT be deleted from my credit report immediately.

Please remove the following fraudulent account from my credit report : ACCOUNTS : XXXX XXXX  account ( XXXX ),
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  to XX/XX/, I started buying XXXX through trader name XXXX who works at XXXX XXXX XXXX ( the company ) and I invested out of my pocket a total amount of {$50000.00} XXXX  not knowing that it was a scam. The bank never told me that it was fraudulent activity that they just closed my account due to unusual activity on XX/XX/ XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}
Product: Credit card or prepaid card

Yes i missed my payment and pnc charged me a late fee but then i payed it off and it really hurt my credit score decreasing it by around 40points and i got charged a {$37.00} late fee or somewhere around that, i dont care much about the fee but im concerned about my credit score dropping that much off 1 missed payment. And all this happened on XX/XX/2020.
Product: Debt collection

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, and XXXX XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I received a letter from a company called MRS BPO LLC stating that they would obtain a judgement against me if I did not pay money to them for a collection account for XXXX within 30 days of a letter dated XX/XX/21 and postmarked XX/XX/21. 
1 ) Ive never had a credit account with XXXX and when I called the number listed I was on hold for 2 hours on three separate occasions. 
This is harassment and a bullying tactic and I want this to STOP!
Product: Credit reporting or other personal consumer reports

Already having issues with Equifax with everything else, but I submitted by documentation regarding a XXXX XXXX account even when doing what is asked they refuse to remove incorrect item from report
Product: Mortgage

I forwarded insurance proceeds from a barn fire ( total loss ) to Select Portfolio Servicing , Inc. because the check was made out to us and them. They were supposed to distribute the funds back to me in XXXX installments : 1 ) immediately for materials purchase ; 2 ) when inspection verifies project is half done ; and 3 ) when the project is complete. After XXXX months, I still do n't have a XXXX of my money. XXXX keeps coming up with forms I need to complete or processes they need to finish. The contractor will finish next week and I wo n't have even the XXXX installment to pay him.
Product: Credit card or prepaid card

I previously purchased 2 nightstands from Rooms to Go ( RTG ) using my Rooms to Go charge card. 1 nightstand was defective. RTG agreed to replace the defective nightstand under the warranty at no charge. 

I received a delivery email on XX/XX/2021 that stated 2 nightstands were ordered, not 1 nightstand, and were scheduled for delivery. This prompted me to review my RTG credit card. I discovered a charge for {$420.00} for 2 nightstands. The order number is : XXXX. 

I immediately called RTG Internet Sales on XX/XX/2021 and spoke with XXXX. XXXX stated 2 nightstands were ordered and were being delivered. He also confirmed I was being charged for 2 nightstands. I explained that I was supposed to receive 1 nightstand as a replacement for a defective nightstand and the nightstand was supposed to be replaced at no charge. XXXX researched the issue and confirmed that I was correct. 

That said, he stated they would not issue a refund until the items were delivered, rejected and then returned to the warehouse. I repeatedly explained that the onus should not be on me to have to wait on items that I did not order to be delivered, then have to reject them, and then have to wait until RTG received them back before they would correct the order and remove the charge. I repeatedly requested to speak with a supervisor but was not transferred to one. I called back and spoke with XXXX again, who stated there were no supervisors available and he restated that RTG would not refund or adjust the order at this time. 

RTG placed an unauthorized order under my name ( by ordering a second nightstand ), placed an unauthorized charge on my card ( by charging me for the second nightstand ), and refuses to resolve the issue until an item I never ordered or authorized to be ordered arrives and then is returned by me. Attempts to resolve the issue have been unsuccessful.
Product: Debt collection

Company is charging interest when my XXXX  agreement does not allow this on this debt. Company refused to respond to any disputes I put it besides send me a XXXX  agreement which only proved them in the wrong.
Product: Credit reporting or other personal consumer reports

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Re : Ongoing Dispute Regarding Account : XXXX XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account referenced above. Equifax has been the sole credit reporting agency furnishing this false information, despite my repeated efforts to notify you that I do not own this account or the alleged debt. This ongoing inaccuracy is in clear violation of the Fair Credit Billing Act ( XXXX U.S.C. XXXX ) and the Gramm-Leach-Bliley Act ( XXXX U.S.C. XXXX ). 
To date, I have provided substantial evidence demonstrating that this account does not belong to me. Additionally, in case number XXXX, XXXX XXXX in XXXX XXXX concluded that I am not liable for this debt. The case details are publicly accessible on the XXXX XXXX website : XXXX XXXX XXXX. 
Violations of Federal Law 1. Failure to Promptly Investigate and Correct Errors : Under XXXX U.S.C. XXXX, Equifax is required to investigate disputes and correct inaccuracies. Despite my providing court documentation and proof, Equifax continues to furnish false information about this account. 
2. Failure to Safeguard and Ensure Accurate Reporting : Under XXXX U.S.C. XXXX, Equifax is obligated to protect consumer data and ensure accurate reporting. By furnishing and maintaining false information, Equifax has failed to meet its legal obligations. 
CFPB Fine and Equifaxs Pattern of Misconduct In XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$3.00} XXXX for its mishandling of credit reports, including issues involving false and inaccurate information on consumer files. This fine underscores Equifaxs history of violating federal laws governing fair and accurate credit reporting. 
Additionally, Equifax has faced legal action for similar misconduct : XXXX v. Equifax ( XXXX ) : Equifax settled claims for failing to correct inaccuracies on credit reports, resulting in financial harm to consumers. 
In re Equifax , Inc . XXXX XXXX XXXX XXXX XXXX ( XXXX ) : While this case focused on a data breach, it further demonstrates Equifaxs pattern of negligence in safeguarding consumer information. 
These examples, coupled with the current issue, highlight a systemic failure to comply with legal obligations and to act in good faith to protect consumers. 
Requested Action I am requesting that Equifax : 1. Immediately remove the inaccurate account XXXX XXXX from my credit report. 
2. Provide a written statement confirming the removal of the account and an updated credit file. 
3. Confirm compliance with federal laws outlined in this letter. 
Failure to comply with this request may result in additional action, including complaints to the CFPB, FTC, and other regulatory agencies, also legal proceedings to recover damages caused by your negligence will be filed. 
I expect this matter to be resolved within 15 days, as required under the Fair Credit Reporting Act ( FCRA ). 

INQUIRES TO BE REMOVED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act CAPITOL ONE late payments and XXXX XXXX XXXX Has violated my rights. 

15 U S C 1681 section 602 A.states I have the right to privacy.

15 U S C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U C S 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: Debt collection

I am about to retire. I went in to my credit report to make sure everything was OK. I found an item for a company credit card from years ago. Over the years I had paid much more on interest than I originally used on the card. The amount on the credit card was for {$20000.00}. I called the company on the credit report, ( XXXX XXXX XXXX ) which is a collection company. We discussed the matter over the phone and came to an agreement to satisfy this matter for the price of {$5000.00}. Check # XXXX from XXXX, XXXX, MA I sent them the money via a check over the Internet. They in turn were supposed to send me an email confirming this arrangement and that this amount was to satisfy the matter completely. This was two days ago and I have yet to receive a message confirming this arrangement. At this point I am leery that the company has simply cashed my check and taken no further action to resolve this issue on my credit report.
Product: Student loan

I paid my 120th payment on XX/XX/XXXX. I submitted my PSLF employment certification and applied for forgiveness on XX/XX/XXXX. Mohela still has this document as " processing. '' Now it is XX/XX/XXXX, and I have tried contacting Mohela in every way possible to make sure that the servicer has my PSLF application. My fear is that Mohela is going to demand XXXX payment, while they should place my account on hold while my PSLF application is being reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting an incorrect coding of the XXXX/XXXX   partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 11 and 12 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX, XXXX is fraudulent on my credit Account # XXXX