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

My credit report states that I was late on paying a car payment. It is listed twice on my credit report on XX/XX/XXXX, and XX/XX/XXXX except it shows four lates which is in correct on all three credit reports which they have not gave me sufficient proof.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts.Sunrise credit service {$1900.00}
Product: Credit reporting or other personal consumer reports

I did not open these accounts nor did I approve anything from XXXX XXXX XXXX ACCOUNT XXXX AMOUNT {$XXXX} I have never been to this place of business. I HAVE EXCELLENT CREDIT FOR XXXX  YEARS IM XXXX YEARS OLD. THIS CREDIT CALLED ME AND TRICK ME TO SEND THEM {$XXXX}. I HAVE MANY XXXX  ACCOUNTS FOR MANY YEARS AND NEVER MISSED XXXX PAYMENT. THIS IS TAKING ADVANTAGE OF A ELDERLY PERSON BY CONFUSING ME TO SEND THEM MONEY FOR A ACCOUNT THAT IS NOT MINE. 


I received paperwork of myself taking over a lease from a person I have never met or know. They sent a contract with a signature not mine. I am XXXX XXXX XXXX and have lived in only XXXX places the last XXXX  years. XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have not missed a mortgage payment in XXXX  years. This is fraud PROFESSIONAL DEBT ME ACCT XXXX AMOUNT {$XXXX} is the company trying collect and take advantage of an elderly person by tricking me on the phone. I HAVE NEVER LIVED OR BEEN TO THIS BUSINESS. 


MY XXXX XXXX IS XXXX I TAKE PRIDE IN PAYING MY BILLS LIKE A GOOD PERSON. THIS IS NOT OK TODO TO SOMEONE.
Product: Payday loan, title loan, personal loan, or advance loan

Back in XXXX of this year I received a check for {$3500.00} from republic finance I deposit it then I get a call from them, and they tell me that I can get loan increase from $ XXXX {$20000.00} and then I get another check for {$3500.00} think this the increase I deposit it then i get a letter from them saying they are going to consolidate the XXXX loan and keep paying the same amount then I get a call from them I told then I thought it was loan increase? They stated that I would have a payment increase to {$300.00} to {$600.00}!!!! and I would need to come in to sign more documents? I was going to go in and sign them and I eas having a XXXX  XXXX  done that week and was unable to come in and was not feeling very well afterwards I called them to let them know and unknowingly they have been calling my family harassing them, wanting to contact me even when I was currently making payments, and asked them numerous times to cease and diesis calling my family they are not on the loan or as a reference and I told them I would be coming the following week, as I was going to their office my car broke down and had to be towed .I advised them by text message and now it is major car repairs, They are still calling and harassing my family members?
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loan company Pennsylvania Higher Education Assistance Agency ( PHEAA ) is servicing my loan. Back in 2015 I moved/mailings got crossed payments didn't get made. Once I was notified I corrected this and have been making regular monthly payments since and it's all documented. Since I missed those payments they put loan in default and will not correct my credit report/credit score even though for the last 4 yrs I've made my timely payments. I'm presently trying to go for a mortgage with XXXX XXXX and they are stopping this from going through due to this issue. I've tried to call PHEAA they will not help me even though they state oh yes you've been in good standing with us for a while now! I've also provided XXXX XXXX the document with all my payments for the last 4yrs and they still will not help out. I would greatly appreciate it if this could be corrected and done so fast. I'm missing out on being able to buy a home " the all American dream '' which I worked all through school so I could get a promotion and make more money for this home.
Product: Credit reporting or other personal consumer reports

I have identified incorrect information on my credit report, which is regulated by 15 USC 16c-2. I believe this inaccurate data is negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian XXXX XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXXXXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been closed and is reporting a {$0.00} balance due. Please keep in mind it would be impossible to be late on an account with a {$0.00} balance. The vehicle was deemed a total loss and the insurance paid any remaining balance due. There are no lates to report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

On XXXX I deposited my {$400.00} paycheck into my US bank account. They said the check was accepted and {$220.00} was available immediately, and {$170.00} would be available the next day. I used my debit card for {$120.00} later that day. On XXXX they debited the {$400.00} from the account it was drawn on, but then bizarrely put an unauthorized hold on my account. I called immediately and they said they were holding my deposit till XXXX to make sure the check was good when the money was already in their account. I asked to talk to a supervisor, was told he would call me, still hasnt a week later of course. Now on XXXX, they have charged ME with a {$36.00} overdraft fee!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my file with Equifax. this issue needs to be resolved asap. checking my credit Report all data is not valid. this has been hindering my file for a while. please review an remove all data listed asap.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

Fifth Third XXXX XXXX XX/XX/2023 This inquiry is unauthorized and should be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day. I am soliciting your help on resolving this very important matter. On XX/XX/2022. I sent out a letter to Trans Union disputing the validity of the bankruptcy they are reporting on my credit report. They replied with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX myself to dispute the item in question and as a result XXXX XXXX could not verify this and as a result they removed it from their database. See attached documentation stating this removal. Also, I have attached supporting documentation from the United States bankruptcy court stating that they do not provide information to any credit reporting agencies. 
I went back to Trans Union on XX/XX/2022, with my 2nd dispute letter and showed them the deleted bankruptcy from XXXX XXXX as well as the letter from the bankruptcy court stating that they do not provide information to any credit reporting agencies. I informed them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home as a single parent with XXXX XXXX and causing me to pay XXXX more a year in home rental and missed tax breaks incentives. Removal of this will help assist me in a situation that is much bigger and important then me. Thank you in advance. 
This item with all due respect needs to be deleted from my credit report within the next 30 days would make life better for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes regarding these accounts that DO NOT BELONG to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT BELONG to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I 've written letters to Trans Union, in XXXX, XXXX, XXXX of XXXX & XXXX XXXX & XXXX XXXX regarding inaccurate, fraud victim and outdated information showing on my reports. All 3 bureaus removed and reinserted the same information I disputed SINCE THEIR SYSTEM BREACH I 've sent certified mail and there response time is not timely. I 'm very frustrated and after reading sec. 611 609 & 623 my rights were violated.
Inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXInaccurate Information : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) XXXX XXXX XXXX  XXXX XX/XX/XXXX ( old ) same acct number x XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed and disputed with XXXX regarding negative hard feelings inquiries should be deleted from my report as well as with Transunion but I feel like no matter what I do they are ignoring me regarding my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Bank did pull, viewed my credit report without my consent or knowledge. MY CREDIT REPORT HAS BEEN FROZEN SINCE XXXX XX/XX/XXXX. 

Under Deceptive Trade Practice initiated by XXXX XXXX  - XXXX, XXXX allowed Symphony Bank to view my LOCKED credit report WITHOUT permission. I have never signed a contract with any organization less alone XXXX XXXX to initiate a hard pull on a LOCKED credit report. Thats illegal and IMPOSSIBLE or so I thought.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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.

TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Transunion and XXXX on XX/XX/2022 regarding unauthorized inquiries and they have not removed them. TransUnion disregarded my letters because they thought a third party was sending letters out when it was me who wrote and sent my letters out. XXXX removed a few inquiries but did not remove all of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged off account on my credit report from XXXX  XXXX for {$540.00}. I have filed a claim with all XXXX credit bureas XXXX, Transunion and XXXX. Stating this account is not mine and that it was fraudelent account. All XXXX credit reporting have completely different information on all bureas.Some no payment history. XXXX has different opening date. SO i called capital one and ospoke to a representative and they hung up in my face after being on hold XXXX hour. Then i called back to asked for verification of account such as whats the email address on file, what address it went too, what account the payments was made from etc. They did not provide me wiith this information. This company has clearly violated my FCRA rights. This is slander my representation as a human
Product: Mortgage

Our Mortgage lender sent us a Notice of Default but failed to comply with RCW 61.21.031 and did not send us a " Notice of Pre-Foreclosure Options or Important Rights for Homeowners '' BEFORE sending the NOD. They claim we " responded and did not request a meeting '' but nothing has been offered to us. There seems to be a {$16000.00} discrepancy between the payoff and the NOD as well. 
What little communication we have with them causes us much confusion as they are putting inconsistent information on papers ( including a wrong address on the NOD and thus a certified letter from us was undeliverable ) and can not answer questions via telephone. 
Our house has XXXX pre-approved pending sales and due to the time sensitivity of this, the NOD action they took could result in a Notice of Trustee posting and thus making this public as well as reduce the value of our home and thwart our efforts to rectify our situation via the sale.
Product: Debt collection

I have been contacted by PORTFOLIO RECOVERY on a daily basis, multiple times a day. Seems just shy of being harassment. After reviewing my credit report I believe that this is an attempt to collect a debt, but unfortunately, I have disputed this debt before through the credit bureaus asking for validation/verification that I actually own the {$310.00} worth of debt with physical documentation containing my signature, with no success. Therefore, I ask that PORTFOLIO RECOVERY deletes their negative information from all three of my credit reports because according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting bureaus and collection agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the credit  bureaus and collection agencies have on file of the accounts listed above. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed above. 

I demand the following accounts be verified or removed immediately from all three of the major credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Dear Innovis, XXXX, XXXX  : Thank you for sending me your internal records of the debt ( DEPT OF TREASURY ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my " Session '', " Time-Stamp '', " Browser '' and " IP Address '', with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX AND XXXX including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Debt collection

I spoke with XXXX from collections department at Mercedes Benz Financial Service calling on my delinquent vehicle I explained under extreme hardship at first refused to submit for a deferment! I did advise him he just begin talking to me without properly informing me that this is an attempt to collect at debt nor did he advise me the call was recorded nor did he complete full verification of who am I this is breech of private information snd he could have given anyone my information! I will be considering going forward with this matter if this matter is mot handled and straightened immediately! Nor for not having compassion for customers doing their hard ship while breaking the law is very hurtful and scary
Product: Credit reporting or other personal consumer reports

AS PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION. I, THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL, AND NON-VERBAL ACCORDING TO 15USC 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few issues on my credit file my name is XXXX XXXX XXXX, please delete the other variation of my name my name is listed wrong please correct. The following addresses are not mine please remove : XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX I have some unverified accounts that I have never done business with these companies : XXXX XXXX  # XXXX, OHIO XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX a # XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.