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

IC SYSTEM IS REPORTING AN account i know nothing about, i never recieved notification from this company about this debt, I tried locating their information and saw no license info, or contact info, this account is not mine please remove.
Product: Credit reporting or other personal consumer reports

My accounts 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 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 to be removed/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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a Fair credit reporting act [ CAPITAL ONE ACCOUNT # XXXX has violated my rights. THIS HAPPENED IN THE MONTHS OF 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 has violated my rights. THIS HAPPENED IN THE MONTHS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting inaccure account and i will have to fill for an lawsuit for slander defermention of charter. this has cause Financial or emotion damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a continuation from CFPB complaints XXXX and XXXX. I have sent several letters to Tranunion and filed CFPB complaints. Transunion has STILL failed to verify the debts for XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX. After several requests they have NOT supplied documents used to verify the debts as requested. Instead they have attempted to stall verification by not responding or responding in a foreign language. The most recent response I received from Transunion dated XXXX the account was verified and updated.Transunion ILLEGALLY changed the date the account was closed to XX/XX/2022. To my understanding an account can not be with collections and past due. The account XXXX is reporting past due {$1800.00}. This is damaging to me and my credit file.Transunion has failed to investigate and verify the account. They DID NOT provide validation for the account after several requests.They are ILLEGALLY changing the date to change the reporting time. This account was removed by XXXX and XXXX how can it be truthful Transunion verified this account? XXXX XXXX XXXX XXXX # XXXX I received the same responses as the XXXX  account. XXXX XXXX XXXX XXXX is also reporting as past due {$500.00}. This account is listed as an open account. A collection account can not be open. These accounts should be removed IMMEDIATELY! Transunion is report information that is damaging costing me credit denials, paying more interest, and rental denial. They report false information and respond with a lie stating " verified ''. This should NOT be allowed! I will include their letter sent to me dated XXXX it shows XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as a open past due collection accounts.Please hold Transunion accountable and request IMMEDIATE removal of these account. I take my credit very seriously it's unfair for this information to be reporting. Included below is two of the several letters sent to Transunion. There's others included on the CFPB complaints noted above. The letter dated XXXX it wasn't received by me until XXXX. This is clearly another stall attempt. XXXX Day is only one day there's no way it would take that long for me to receive. I have sent letters to them as well and they update verified in a matter of 2-3 days after I sent a letter. I have informed delivery with USPS it shows mail I will receive for the day. I included a picture proving their letter was received by me XXXX.
Product: Credit card or prepaid card

On XX/XX/2019 at approx. XXXX CST I spole with XXXX XXXX, a representative with US Bank. I was inquiring about the US Bank Visa Signature Rewards credit card. Card holders are allowed to choose two categories in which the cash back rewards for the quarter are 5%. The online information indicated "groceries" was one such category. I asked Ms. XXXX  if I could choose groceries every quarter, and she replied in the affirmative. I asked if there was a cap on the rewards, and she  replied that there is not.Wanting to further make sure that the card would meet the needs of my family, I asked (paraphrasing) "What if i charge $XXXX on groceries every month, would I get 5% back on the entire $XXXX in charges?" Ms. XXXX again replied in the affirmative.    Today, upon receipt of the credit cards (one in my name, one in  my wife's name), I went on line to choose "groceries" as one of my two 5% back categories. I was shocked to see that if i choose "groceries" that I would only receive 2% back!!!I called the US Bank phone number today, XX/XX/XXXX at approx. XXXX   XXXX CST. The first rep I spoke with said there was nothing that could be done. I asked to speak to her supervisor. I was connected with and spoke to, XXXX, also told me there was nothing to be done. I asked to speak with XXXX supervisor, and he told me that a manager will call me within 24 hours.A representative of US Bank lied to me. Believing the rep, Ms. XXXX, I went ahead and applied for the card. This was a hard inquiry on credit file, and impacted my FICO score.
Product: Credit reporting or other personal consumer reports

i check my report recently and i see this accounts reporting wrong, without my concert.. 

XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Update to Never Late XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately and this inquiries too XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXXXXXX XXXX, Date of inquiry : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX,2024 Dispute of Inaccurate Information on Credit Report - Violation of 15 USC 1681i ( 7 ) To Whom It May Concern I am writing to dispute the accuracy of certain information listed on my credit report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, 15 USC 1681i ( 7 ), I am formally requesting an investigation and correction of the disputed items. Below is the inaccurate information I am disputing : Account Name : XXXX Account Number : Not Available Account Details : Not Available This information is inaccurate and does not belong to me. I have carefully reviewed my records and can confirm that I have never had any association with the aforementioned account. Its inclusion on my credit report is a violation of my rights under the FCRA. Furthermore, as per 15 USC 1681i ( 7 ), you are obligated to promptly investigate any disputed information and remove it from my credit report if it can not be verified. Therefore, I request that you conduct a thorough investigation into the validity of the disputed item and provide me with the results in writing. Please note that under the FCRA, you have 30 days from the receipt of this letter to complete your investigation and inform me of the results. If you are unable to verify the accuracy of the disputed item within this timeframe, you must remove it from my credit report as required by law. I expect your prompt attention to this matter and request that you update my credit report accordingly. Failure to comply with the FCRA requirements may result in legal action. Thank you for your immediate attention to this matter. If you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above.
Product: Mortgage

I lost a job in XXXX 2017. I notified the Ditech LLC mortgage company that i was seeking HUD counseling and that i started a new job but with much lower pay. With a counselor on the line the mortgage company agreed to do a payment plan each month until i was current. A month later i attempted to make a payment over the phone and i was told i was misinformed and that i could not make a payment below 50 % of what was owed as my loan is an FHA loan. This caused me to become further behind as i could not make a payment each month that was satisfactory. The company is now trying to foreclose my home.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX put {$400.00} into my PayPal account XXXX XXXX XXXX. On 3/23/22, I initiated a transfer from my PayPal account transferring the money to the XXXX XXXX XXXX XXXX XXXX XXXX The money was successfully sent to my account. On XX/XX/22, PayPal initiated a reversal and took the {$400.00} back out of my account. PayPal acknowledged the reversal was done because they had my bank account ending in XXXX. They determined that was not a valid account and reversed the money. The money however was actually placed in the correct bank account with XXXX ending in XXXX. It was also reversed and withdrawn from the correct account XXXX. In speaking with the bank, the transaction from PayPal did route to account ending in XXXX, however the bank has an account matching feature an they matched it to the correct account which ended in XXXX, which placed the money in the correct account for me. I have made multiple attempts over the last 30 days to get PayPal to return the {$400.00} they took out of my account on XX/XX/22. I have not been able to make any progress as PayPal denies they have the money and says it is with the bank. I was asked by PayPal to contact my bank and obtain a transaction number to prove they took the money. I did get the transaction number, XXXX, however now PayPal refuses to use this to trace the transaction and continues to deny taking the money. I have tried to escalate this to no avail. I am asking for assistance in the return of my {$400.00} which PayPal withdrew from my account without authorization and refuses to acknowledge or return.
Product: Debt collection

I have been receiving calls from multiple numbers threatening to damage my credit and share my info with other companies, I've asked them to stop calling me due to my job and our phone policy. according to the FAIR DEBT COLLECTION PRACTICR ACT, debt collectors violate the law when they harass, oppress or abuse you.
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. 

I told Transunion to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that they have included the inaccurate information in my credit profile and they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXXXXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all the negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Zions Debt Holding for unlawfully reporting a debt on my credit report without a contractual agreement or legal basis. I have never conducted business with Zions Debt Holding, nor have I authorized any transactions or obligations with them. Under 15 U.S.C. 1692c ( c ), communication about a debt, including credit reporting, is prohibited after a refusal to pay, which I have made clear. Additionally, Zions Debt Holding has violated 15 U.S.C. 1692g by failing to provide validation of the alleged debt, despite my legal right to request proof. A business search confirmed that Zions Debt Holding is not registered to conduct business in the state of Texas, meaning they lack the legal authority to collect or report debt in the state. Furthermore, the alleged original creditor has been unable to verify this account, further proving its invalidity. I am demanding that this account be removed from my credit report within 4 days, as required under 15 U.S. Code 1681c-2. Failure to comply will result in legal action to protect my rights, including pursuing damages for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

Ditech ( formerly Greentree Servicing ) has repeatedly called my place of employment, harrassed secretaries, and requested to speak to my boss. Moreover, callers have called siblings, cousins, and even elderly grandparents to ask for contact information ( which they currently have ). In each instance, the caller from Greentree and/or Ditech have stated that they are representing my Mortgage company. Additionally, each time that I have spoken to the caller, she is rude and occasionally curses. I have often requested to speak to a supervisor ; however, the caller has refused and at times has hung up on me. These calls typically start if I am more than five days late for a monthly payment. 

Ditech ( formerly Greentree ) uses unprofessional tactics, and I feel that the individuals who work for this company have been harassing not only me but also my family and my co-workers.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were opened as a result of unauthorized access to my personal information. 
Accounts to be Blocked and Deleted 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is not a duplicate complaint and I requesting for the company, Grain app to respond. The Grain app is reporting inaccurate information about my account. The account states on my credit report that it is in collection but my statement is reporting that the account is in a current status. I have been contacting the company and they are not responding to any of my messages in an attempt to get a link for a payment. I believe that this is defamation of character and is being done intentionally. I have attached the Grain app statement. I would like for this information to be deleted completely from my credit report. 


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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The company has reported late payments which is a direct violation of the USC stated within this complaint. This has led to the denial of loans in which was dire to the survival of my child, where i was unable to provide transportation to and from XXXX XXXX appointments of which were crucial to her survival! 




15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy 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. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Credit card

I received information that a credit account was opened using my information. I did not authorize this account. The perpetrator used the card linked to my information and my credit score is negatively impacted along with thousands of dollars in charges. This has happened twice with the same bank : Sychrony. I would like a freeze to be placed on my credit that no accounts may be opened until this matter is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

XXXX XXXX   XXXX # XXXX