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

I want to let to let you know that in my XXXX  company credit report, I have two delinquent accounts with Bank of America. I do not recognize the accounts in question because they are not correct, the reports shows I am delinquent in those two accounts I never opened. 
I arrived to the United States of America in XX/XX/2018, my residence was assigned in that date and gave my Social Security card was issued in XX/XX/2018. 
Before XX/XX/2018 I DO NOT have social security number assigned, no bank accounts opened or any credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an address in which I have never used? 
XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX TransUnion is Reporting a inaccurate name : XXXX XXXX XXXX XXXX is Reporting a inaccurate name : XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXXI XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$45000.00} XX/XX/XXXX XXXX  XXXX {$5100.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX  XXXX XXXX {$440.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.on. for 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.
Product: Payday loan, title loan, or personal loan

Hello, I applied for a installment loan with Ch eck n Go ar ound and I have ma de 16 pay ments in the amount of {$120.00}.     I have had previous loans with this company and they usually take their money at the beginning and interest.to interest. I went into the  XXXX  different locations to determine why the payments are not being applied to principle.  XXXX  at the  XXXX   XXXX   XXXX  location says its in error and that I needed to have corporate correct the issue. I have called several times to corporate and unable to get a live person. I need help otherwise I will never pay this loan off.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX 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 21 days before the payment due date. XXXX XXXX XXXX XXXX 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: Mortgage

Pentagon Federal Credit Union did not disclose the exact percentage that would be added when converting to a fixed rate loan. This was never disclosed in any verbal nor written communication. The load begins with an introductory rate of .99 % for the first 6 months and then moves to a variable rate loan. What was not disclosed is that to convert to a fixed rate loan they add an additional .25 % as well as 3 % on top of the prime rate. During the application process this 3 % was not disclosed.
Product: Debt collection

After Disputing my credit with XXXX by phone and on line the online report became unavailable. They continue to report multiple accounts it took 3 weeks to get them to send me a copy of my report by mail. They refuse to update my address information and are still reporting an address I have never had which ccould be associated with Idenity theft XXXX XXXX XXXX, XXXX Tx XXXX I have disuted this address several times. I never lived here or know how it has come to be on my report. They contine to report my student loans multiple times when I called the collection agencyes who they show to be reporting them I was told thet the reason they are showing up on my report is because XXXX is sending them repeated investigations ect but that they should have droped off after 30 days as they are no longer reporting them the loans have been discharged and I no longer owe them. They are reporting them 9 times.While there were only XXXX loans that have been completley dicharged. Also they have elected to now only report my negative credit and have erased all of good credit. which is only being reported by Transunion and experian. They wiped it off since 2013 when I last disputed my credit with them. Now because off their missreporting the amounts of inaccurate debts that were part of Identy theft XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. They continue to report these account along with the collection agencey who continue to harrass me in regards to the stolen credit cards.By doubleing the accounts and in the case of the student loans trippleing the number of negative accounts tremendousley effecting my credit score. After contacting the above original creditors they have all told me they have no rights to the accounts they have long been sold and are not updating or any longer reporting to the credit bureaus.
Product: Debt collection

In my phone call to UNIFUND CCR, LLC on XX/XX/2019 at approximately XXXX EST to settle an open lawsuit against me, the UNIFUND CCR , LLC representative stated that the default judgement was being processed. When asked to clarify as I was entitled to 20 days from the date of receipt of the notice before a default judgement would be issued, she repeated the same phrase again. 

As I am entitled to 20 days from the date of notice to respond to lawsuits before a default judgement is issued, and the date of notice was XX/XX/2019, on the date of the phone call, no default judgment could have been being processed. Therefore, their agent used false or misleading representation and violated the FDCPA.

The Federal Debt Collection Practices Act 807 ( 2 ) ( B ) states clearly that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. [ ... ] the following conduct is a violation of this section : the false representation of - [ ... ] the character, amount, or legal status of any debt ''.
Product: Debt collection

I called Diversified Adjustment to see what the collection was about and they stated I had a XXXX  account. I informed them that I have never had a XXXX  phone before, let them know was a victim of identity theft and ask them how much was owed. The lady told me she felt like it was my debt and that I needed to pay them {$800.00}. I told her I would not pay that debt due to its not mine, but I would try to settle with them since she would not remove the account off my credit report. I have been going back and forth with them for about 2 years now. The account has no payment history, no balance information, no type of info about it on my credit report but it shows up as a collection. I asked them to verify the account and she could not other than saying XXXX  said it was mine. I would like this account to be removed ASAP.
Product: Credit reporting or other personal consumer reports

On multiple occasions in the last XXXX years I have Disputed a Loan XXXX XXXX XXXX XXXX, and a military star card debt that was closed and its bee. Over 7 years. And a new recovery account that was just added. I have not lived in the US for many years. I even submitted photos of my foreign residency documents from XXXX and XXXX. I only returned to the US in XXXX of this year to apply for Social Security XXXX. I am working part time I also get a govt pmt from the XXXX Govt that is verifiable. But none of the XXXX bureau 's will remove these things my credit cards are all Paid on time. Banks rely on credit bureau 's for their information but when you dispute the information and its still on there after 7 years. That's a problem especially when. I have proof of where I have lived for the last 19 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me XXXX  is ignoring me and Experian is its been 5 months nothing done still
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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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: Debt or credit management

I had paid a XXXX XXXX  credit collection in XX/XX/year> and upon setting up to pay the collection off was told the item would be removed from my credit after looking at my report the item is still sitting on my credit even though it was paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the class action law suit against XXXX XXXX XXXX. I signed the executed agreement based on the terms laid out in XX/XX/XXXX. In the agreement I would receive a financial settlement and in paragraph 3 XXXX would remove all entries regarding the account from the credit bureaus. XXXX agreed to these terms with my attorney XXXX and XXXX. I sent copies of the agreement all 3 credit bureaus to get the file updated and all three sent back the response that XXXX refused to remove the entries even after entering into a legal contract. Furthermore, when I attempted to contact XXXX they refused to speak with me. Since my escalation in trying to remove this entry to close on a home mortgage XXXX has changed the credit file from voluntary repossession/charge off in XX/XX/XXXX to current late payment further damaging my credit score. Based on this action I was unable to close on my home when this was the only negative entry and when the broker contacted XXXX they stated this was a current debt which is false. 
I have attached the executed agreement for your review and please see paragraph 3 which states XXXX should have removed this entry months ago with all three credit bureaus.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : 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 According to 15 USC 1681i ( XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( XXXX ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-XXXX 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to claim my annual free credit report from, Experian, XXXX, and XXXX on annual credit report.com and after filling out my infomation it told me that It could not verify my identity and that i would have to mail my information to the po box of the bureau and I have not due to fear of the information i have aready lost and even greater fear that my identity may have been compromised I have tried to get my free report multiple times but to no avail.
Product: Credit card

I have an account with synchrony bank through living spaces. Im noticing interest charges when the whole account is supposed to be interest free. XXXX interest charges in the month of XXXX totaling XXXX. Then the late fees are ridiculous there has to be some law against them charging me XXXX dollars for being less than XXXX hrs late. They dont send out any notifications stating its due. Just once its already late theyll send out an email and a notification letting you know. This company is a scam that preys on people and XXXX watches so they can score a quick XXXX.
Product: Credit reporting or other personal consumer reports

I received a credit inquiry alert for XXXX from Capital One. I contacted XXXX but I was told I needed to have a fraud report from FTC to have the inquiry removed..
Product: Mortgage

I applied for a mortgage with Amerisave Mortgage Corporation in XXXX GA in XX/XX/2020. Before my loan application could be processed, they said they needed to collect a processing fee. I asked what it was for and if it would be credited at closing. I was promised it would at received a verbal pre-approval so I agreed and paid the fee. After submitting all required documentation, and repeated emails and calls, which were never returned, I finally received a document via automated email for pre-approval. WhenI found a home and submitted a contract, no one from Amerisave could be contacted to proceed with the closing process. I made several calls and sent emails and did not receive answers to my questions about closing costs. I decided on XX/XX/XXXX to file a complaint. I received a call the day after submitting a complaint to XXXX and was promised a refund. I have yet to receive a refund and when I called today, no one answers the phone. I feel like this was all a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps ignoring me and not fixing anything. I have multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. Accounts XXXX XXXX XXXX XXXX XXXX XXXX I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. Inquiries 1 )  XXXX ( XX/XX/XXXX ) 2 ) XXXX/XXXX ( XX/XX/XXXX ) 3 ) XXXX/XXXX ( XX/XX/XXXX ) 4 ) XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX/XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/XXXX )