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

I have been trying to get this company to report each month to the credit agency 's our monthly payments and correct balance for almost a year now. I have been monitoring my husband and I credit report every month and to no avail XXXX XXXX XXXX will not report every month like they should. Which is causing every month for my debt to income with my car loan not to decrease every month. I received my credit report from TransUnion today and the last time this company reported was XX/XX/19. Today is XX/XX/19, and they have not reported my XXXX  payment. I was told three months ago when I spoke with a rep that they knew of the problem and would fix it, but the problem still exist on my husbands and I credit reports. My husband and I could not be the only consumers having this problem. I pay them every month, they need to report to the credit agency 's every month. If they didn't get their payment I bet they would report.
Product: Mortgage

I was unable to make a payment online like I was able to a month ago in XXXX. This month it would not allow me to do so and insisted I include late fees or I would not be able to make the payment. I feel as if I am being discriminated against by this company.
Product: Credit reporting or other personal consumer reports

Because of Equifax 's Data Breach my credit has been impacted by negative fraudulent accounts and items
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to each on of the credit bureaus : XX/XX/XXXX Experian & XX/XX/XXXXand they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Equifax, XXXX, XXXX, Tenant Screening This letter serves as a final demand regarding your failure to remove inaccurate records from your screening reports. Despite previous assurances that these records would be deleted, they continue to appear when companies conduct screenings. This constitutes willful misrepresentation and a violation of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Your failure to resolve this matter has already prompted me to escalate my complaint beyond the Consumer Financial Protection Bureau ( CFPB ) to organizations such as the Federal Trade Commission ( FTC ) and legal authorities specializing in consumer protection violations. I am also preparing to involve legal counsel to hold you fully accountable for the ongoing harm caused by your inaction. 

I demand the following actions immediately : XXXX. Full removal of all inaccurate or negative records associated with my file. Cases to Be Expunged ( Case Numbers ) : XXXX XXXX XXXX XXXX ALL OF THESE ARE DISMISSED I DONT OWE ANY COMPANY REMOVE IMMEDIATELY. 
XXXX. Written confirmation that these records have been permanently deleted. 
XXXX. An official acknowledgment that I am opted out of any and all negative reporting. 

Should you fail to comply with this demand, I will proceed with further action, including litigation and reporting to additional federal authorities. This is your final opportunity to resolve this issue without significant legal consequences. 

I expect immediate confirmation of these corrections. 

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

This account has been reported on my account for over 8 years for XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address several inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant laws related to my credit report. These inaccuracies have caused me significant harm and frustration, and I demand immediate resolution. 

FCRA Violations ( 15 U.S. Code 1681 et seq. ) : Inaccurate Information Reporting : My credit report contains numerous items, including bankruptcy, evictions, credit cards, and loans, that were decisions made by my former husband during our marriage, where I had no income or involvement in obtaining these accounts. Per 15 U.S. Code 1681e ( b ), credit reporting agencies ( CRAs ) are required to maintain maximum accuracy in their reporting, which has not been upheld.

Dispute Resolution Failures : Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), CRAs are required to investigate disputes promptly and verify or remove inaccurate items. I have attempted to dispute these items, but they remain on my credit report without proper investigation or resolution. Furthermore, 15 U.S. Code 1681i ( a ) ( 5 ) requires the deletion of unverifiable information, which has not been adhered to in my case.

Unauthorized Use of Credit Information ( 15 U.S. Code 1681b ( a ) ( 2 ) ) : My former husband 's actions during our marriage, including opening credit accounts and filing for bankruptcy, were done without my explicit consent. Under 15 U.S. Code 1681b ( a ) ( 2 ), CRAs are only permitted to furnish consumer reports for permissible purposes and with proper authorization, which was not obtained in these instances.

FDCPA Violations ( 15 U.S. Code 1692 et seq. ) : Communication Violations : Debt collectors have contacted me regarding debts that were not authorized or created by me, violating 15 U.S. Code 1692c, which regulates communication with consumers.

Validation of Debt : Under 15 U.S. Code 1692g, debt collectors are required to provide proper validation of debts within five days of initial communication. In several cases, this requirement was not fulfilled.

Billing Error Resolution ( 15 U.S. Code 1666b and 12 CFR 1026.13 ) : Items related to accounts opened by my former husband were inaccurately reported as my responsibility. Per 15 U.S. Code 1666b and 12 CFR 1026.13, creditors and CRAs have a duty to correct billing errors, which has not occurred in my case.

Right to Rescission ( 15 U.S. Code 1635 ) : I was not informed of my right to rescind certain transactions that affected my credit during my marriage. This omission is a violation of 15 U.S. Code 1635.

Ongoing Litigation and Systemic Issues : Recent lawsuits and settlements against XXXX and Equifax highlight systemic issues in their reporting practices. These include failure to investigate disputes, inadequate safeguards to ensure accurate reporting, and improper handling of consumer information. My experience aligns with these concerns, further demonstrating the need for immediate corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX placed 5 derogatory accounts on my consumer report, I have asked for verification be sent to me however I never received any documents showing proof However XXXX XXXX took it among themselves to feel as is they could just place inaccurate accounts on my report. 
According to 15 USC 1692a ( 2 ) the term communication means conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes oral, written, electronic or any others which includes nonaffiliated third parties such as the 3 CRAs. 15 USC 6801 ( a ) states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Be Advised that I have not given any Company consent to share my nonpublic personal information. This Company has not only infringed my rights to privacy but has violated multiple Federal Laws. XXXX allowed XXXX XXXX access to my consumer report without my permission, XXXX XXXX had no legal documentation allowing for them to give my personal information. Information obtained by aggravated identity theft is defiantly illegal. I have had ongoing problems with the 3 Credit Agencies not doing their job to properly verify accounts before placing them on reports. This has been reported and will remain being reported as SOMEONE IS BREAKING THE LAW. REMOVE ALL FALSE INFORMATION NOW, XXXX XXXX could not send verification to me proving these accounts where mine. They SAID ALL FALSE ACCOUNTS WOULD BE REMOVED, YET THAT HAS FAILED TO HAPPEN. Alot of illegal activity going on. XXXX XXXX still has not responded to the last Complaint. With that being said I'm requesting that the documents XXXX XXXX presented to XXXX be mailed to me along with information XXXX gathered that gave them the authority to give access to my personal information. I'll be looking for these documents in the mail along with an updated Credit Report. Again, I have not given anyone permission to share my personal information. I will have this looked into by Federal Authorities as it's clear that these accounts were placed on my report with extortionate means as a way to coerce and swindle me into paying debt that does not belong to me. You have damaged my credit. I will seek compensation for all of this.
Product: Credit reporting

I have submitted a dispute and the issue was resolved then later placed back on my credit report incorrectly. They also are reporting old debts that are past the 7 year limitation. That have been purchased by a collection agency. But original dates have been changed making it look like current debt. Equifax has done this multiple times cause my credit score to suffer
Product: Credit reporting, credit repair services, or other personal consumer reports

The company temporarily allowed the report to be removed and then sometime in 2019 without noticing me re-investigated the matter and reapplied the report to my credit report my credit for the sink and the company refused to acknowledge my dispute. However, the other companies, XXXX  XXXX  and XXXX have both already removed b companies reports I tried to submit documents provide proof of this in the company doesnt get back to me or remove the information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX 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 XX/XX/year> 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 XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 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

TransUnion, XXXX, and XXXX continue to report inaccurate information on my consumer report. My name is XXXX XXXX XXXX there should be no other variations of my name delete them immediately this is causing me to be denied for credit which is a violation of my civil rights and could potentially cause me to sue. My address should only be XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX this is the only address authorized to receive any mailings and my only address I authorize anyone to use. Any other address are incorrect and not mine delete them immediately.
Product: Debt collection

I visited the emergency room at XXXXXXXX XXXX XXXX  XXXX on XX/XX/XXXX. My primary insurance was billed. They paid and left a {$170.00} patient responsibility. My secondary insurance was billed for this amount. They initially paid but later revoked payment due to the hospital not submitting the EOB from primary insurance. I spent the next 1.5 years trying to get this issue resolved. Despite countless attempts by both myself and XXXX to resolve the problem, the hospital never submitted the needed document. They instead sent me to collections. I submitted the needed document to XXXX several times, however there were issues with processing it as it should have come from the hospital rather than me. XXXX finally processed and approved the claim on XX/XX/XXXX. They stated payment of {$170.00} would be sent to the provider within 7-10 business days. However, the hospital continues to claim they have not received payment. They refuse to investigate the problem with receiving the payment from XXXX. They continue to pursue payment through a collections agency even though I have provided a copy of the EOB stating patient responsibility is {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 months of late payments on my credit report for a student loan that was in deferment. They said they fixed this and did not. I have gone through all the channels that I can. Its hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I pulled my credit report and I noticed a bunch of inquiries that are unauthorized and Im very unaware of Ive had no idea whatsoever Ive also filed a identity theft report. 


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

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15.00} ; XXXX XXXX XXXX  Balance Owed : {$100.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$75.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/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 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
Product: Debt collection

Debt collector is attempting to collect a debt on behalf of XXXX XXXX which is not valid. 
Original Creditor states rent is owed for XXXX of 2020. I purchased a home and moved OUT of the rental property XX/XX/2020. 

I previously gave notice to rental company that I was leaving. 

My lease expired in XX/XX/2020 and they allowed me to excercise a 2 month, Month to Month lease which I used for XXXX and XXXX. 

I have asked for debt validation SEVERAL times.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have had a banking relationship with Chase for many years. I wrote a check to XXXX XXXX from my Chase account for {$150.00}. The check was cashed by XXXX XXXX XXXX  for an XXXX XXXX. I do not have a banking relationship with XXXX XXXX and neither I or XXXX XXXX knows anyone named XXXX XXXX. 

I have gone back and forth with Chase Bank for nearly 5 months to reimbuse me for the {$150.00} that was not disbused in accordance with my instructions. After 12 phone calls, including speaking to a manager twice, I have not been reimbused. 

Chase indicates that they are still waiting to hear back from XXXX XXXX. As I noted, I do not have a relationship with XXXX XXXX but apparently Chase does. I do not think I should have to wait over 5 months for reimbusement while Chase settles it with XXXX XXXX. The check was made to XXXX XXXX and per my account agreement with Chase that is who should have been paid. If they entrusted XXXX XXXX then they should deal with XXXX XXXX for remedy but as their customer ( chase ) I should be immediately reimbused.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX 

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: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reached out to XXXX XXXX XXXX XXXX as I was in the process of buying a car. I previously used XXXX XXXX to purchase my previous car back in XXXX. In speaking with the loan agent she informed me that they would have to run a credit report on me. I asked what platform they used and I was informed Transunion. I can't stress this enough. She told me they used TransUnion. Upon checking my Transunion report ( attached ) I realized I qualified for the best rate with a score over XXXX. XXXX XXXX then ran my report and informed me that " Their Model '' came back with a score of XXXX. ( See attached - XXXX XXXX XXXX ). I informed her that she told me she was using Transunion. She then told me that they use a " different method ''. SHE LIED TO ME. It was a bait and switch. I lost out on the car. I never would have applied had she TOLD ME THE TRUTH. I have contracted Transunion and they are of XXXX  help. They keep telling me to go back to XXXX XXXX. When I contact XXXX XXXX they tell me I should contact Transunion. It's the definition of finger pointing.
Product: Vehicle loan or lease

I disputed this account with JP Morgan Chase Bank several times and each time I was asked to provide additional documents to support my fraud claim. The last dispute I submitted was refused because I had someone as my power of attorney and JP Morgan Chase Bank wanted me to provide them with the power of attorney document which I did. It's been over 60 days since I submitted my power of attorney document it's been over 120 days since I filed my initial dispute and JP Morgan Chase Bank is still reporting erroneous negative Information about me to all three credit bureaus. It's bad enough I was a victim of fraud and I'm being dragged through the mud trying to clear my name. I feel like I'm getting the run around and that JP Morgan Chase Bank does not want to remove this negative incorrect Information from my credit report, they also have not responded to me in regards to my power of attorney documents I sent to them by certified mail. I do know that the statute of limitations have expired for JP Morgan Chase Bank as far as how much time they have to respond to a dispute. At this point they are disregarding all types of local and federal laws by disregarding all of my civil liberties. JP Morgan Chase Bank allowed someone to open an auto loan using my identity at a used car dealership that the owner of that dealership was convicted in Federal Court on Fraud charges stemming from his dealership. My next attempt will be a legal one, I'm tired of getting the run around by JP Morgan Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this on my behalf without any third parties. I am a victim of identity theft, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. TRANSUNION website is denying me from submitting disputes online when I didnt give my consent for this account, XXXX XXXX XXXX, to be furnished in the first place. Any person, which includes an organization, who willfully and knowingly obtains information on a consumer, like me, from another consumer reporting agency, without the written instructions or authorization pursuant to 15 U.S.C. 1681b, is information obtained under false pretenses. You have no lawful authority, this is a crime under title 18, and fines are described in 18 U.S.C. 3571.