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

In accordance with the Fair Credit Reporting Act, XXXX XXXX  : Account # XXXX, has violated my rights. This company continues to report a 30 day late payment to XX/XX/XXXX from XXXX of XXXX. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - I never gave these written instructions. & also. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. -I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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. 


XXXX EXPERIAN 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! 


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

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019,  XXXX2019,XXXX/2019, XXXX/XXXX/2019 and XXXX/XXXX/2019. However they never sent me documents to show me how they verified the accounts but per " XXXX XXXX. XXXX '' and it should have been deleted per Section XXXX XXXX a ) ( XXXX XXXX ( A ) ( i ). I also sent a letter with Section XXXX XXXX a ) ( XXXX ) ( A ) to show me the physical documents and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter received from transunion with multiple names which means the report is wrong under fcra.i also received a letter from transunion saying verified as accurate.This account does not belong to me and I would like to know how did you verify this account with 5 different names on my report.what name did you verify this account belongs to me.According to fair credit reporting act section 609 ( A ) ( 1 ) ( a ) they are required by federal law to verify through physical verification of the original signed contract any and all accounts you post on a credit report.I am demanding to see verifiable proof an original signed contract with my signature on it you have on file of the account from XXXX XXXX.I want proof attached to this complaint
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

Capital one is in clear violation under the FCRA 15 USC 1681 ( b ) permissible purpose of consumer report. The law clearly states ( a ) in general subset to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I did not give Capital one permission to furnish my utilization. Furthermore the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusions from a consumer report clearly states : ( 2 ) exclusion except as provided in paragraph ( 3 ) The term consumer report does not include - ( a ) subject to section 1681 ( s ) -3 of this title any- ( i ) Report containing information solely as two transactions or experiences between a consumer and the person making a report. Utilization is an experience with a line of credit that was extended between the consumer ( me ) and the person ( Capital one ) thats making the report. Congress clearly states that the report of transactions or experience between the consumer and the person making the report is not included on the consumer report. Therefore Capital one is in violation of the FCRA 15 USC 1681 ( a ) ( 2 ) ( i )
Product: Credit reporting or other personal consumer reports

The account below is showing open with a balance. This account is paid in full and closed. The account number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated under the FCRA by TransUnion. TransUnion is refusing to follow fcra guidelines for handling my disputes fraud use on my consumer file. I first contacted XXXX  XXXX when I received inquiry on my credit file XX/XX/XXXX. XXXX XXXX immediately closed account after confirming as fraud. I began first dispute with TransUnion XX/XX/XXXX instead of verifying and removing fraud account transunion kept invalid info on my credit file as accurate. I opened dispute with TransUnion on XXXXwith letter from XXXX  XXXX as fraud, TransUnion continues to allow invalid information to remain on credit file as accurate as of XX/XX/XXXX
Product: Debt collection

Debt collector coming to my house over stepping thier boundaries, excessive calls and voicemails from XXXX to around XXXX or XXXX. all the options to satfiy the loan was told to creditor and still calling and showing up at my place of resident to collect debt. Unfair business practices involving the Truth and Lending Act. Also steady changing the terms condition of the loan itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some medical bills reporting on my credit that did not belong to me and reported this issue to TransUnion, XXXX, and XXXX on XX/XX/XXXX. After all 3 bureaus claimed to have completed an investigation and delivered the results of their investigation to me onXX/XX/XXXX ; XXXX had removed all of the medical bills that reporting on my credit incorrectly and XXXX and TransUnion had removed some of them but not all of them. I contacted Transunion and XXXX again on XX/XX/XXXXadvising them that none of the medical bills reporting on my credit file were mine and to please mail me the person/s who had verified this inaccurate information as is my rights under the Fair Credit Reporting Act. After this second request to TransUnion and XXXX  both removed all of the inaccurately reporting medical bills from my credit report. I just checked my credit report today and TransUnion is reporting a medical bill that I disputed and had removed on my credit report again. Both XXXX and XXXX have not continued to report this inaccurate reportings and TransUnion for some reason why continues too. Please investigate and provide me with this nonexistent proof that this medical bill is mine and reporting accurately.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a Trafficking Block Request and Attest Form to Equifax Certified. The tracking number is Pursuant to 605C of the Fair Credit Reporting Act, I respectfully requested that they block the reporting of the adverse information identified above ( and any other information related thereto ) within four business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ). I asked Equifax In addition, please send me notification of the action taken pursuant to this request within five business days ( see 12 CFR 1022.142 ( f ) ). Also, I asked Equifax to please send me notification of the actions taken. They have not responded. 
Please see below and view attached documents. 

RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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  {$860.00} Pursuant to 605C of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related thereto ) within four business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ). In addition, please send me notification of the action taken pursuant to this request within five business days ( see 12 CFR 1022.142 ( f ) ). 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why?????? Experian and XXXX XXXX XXXX XXXX ( XXXX ) continually label my request for information as duplicate without ever supplying the request. Why? I have requested for 5 years the a valid signed and dated permissible permission used to access my credit report in XX/XX/2017 but both companies play games and ignore like children. They realize they did not have permission but instead of owning up to it, they will act like childish politicians and attorneys and hope it will go away. Neither are professional companies on XXXX XXXX but lying sneaky little children.
Product: Student loan

On XX/XX/year> I received a letter ( attached ) from Mohela stating that my student loans have been forgiven due to qualifying for the Public Student Loan Forgiveness Program. My account balance became {$0.00} and shortly after, these loans have dropped off my credit reportXXXX days ago I receive another letter from Mohela stating that I have payments due on my loan. I called Mohela who stated that my forgiveness is being reversed and I now owe more on my loans due to the interest that has accrued during the time that I was told my loans were forgiven up until now.
Product: Debt collection

I have attempted to dispute this twice with XXXX, both times came back stating they verified that it was accurate with the collection agency ( Prince Parker and Associates, on behalf of XXXX XXXX XXXX XXXX ). I have never held an XXXX XXXX XXXX XXXX account in my life. I attempted to contact Prince Parker and Associates and was told that with the info provided they could not locate any accounts associated with me they were collecting on. They then wanted me to provide me social security number to an overseas call center employee and I was not comfortable providing this. They have made no attempts to contact me to collect on this. The only way I found out about this was a notice from XXXX that I had an account in collections on XXXX ( this does not show with other reporting agencies ). I do not believe this debt belongs to me. I have not been able to verify this debt with collection agency and no one has provided as accompanying evidence to backup the claims that this debt belongs to me.
Product: Credit reporting or other personal consumer reports

I am disputing this item to remove the late payments from my credit report as it is unauthorized according to FCRA Section 605B section 15 USC 1681c-2 ( a ) ( 1681i ). In accordance to the fair credit reporting act ( FRCA ) Account # 228-0394-85004.

has violated my rights under 15 USC 1681 Section 602 states I have the to privacy. 15 USC 1681 Section 604A ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 B states a creditor may not treat a payment on credit card account under an open ended consumer credit plan for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and/or its XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX notified XXXX XXXX XXXX by mail in regards to a settlement for improper reporting. XXXX XXXX declined to settle the matter because all or most of what was on her credit report was disputed in regards to public records and there are several missing accounts that are not reported and this may be due to the injunctive relief granted to XXXX  to not report such accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment made on XX/XX/XXXX from XXXX Checking account XXXX XXXX calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. XXXX XXXX representative advises me to file a dispute with XXXX XXXX XXXX Banking Dispute with XXXX bill payment XX/XX/XXXX XXXX reaches out to XXXX XXXX XX/XX/XXXX ( Biller will not speak to XXXX without Subscriber ) XXXX XXXX stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XXXX called XXXX XXXX with me, XXXX XXXX XXXX XXXX banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called XXXX XXXX on XX/XX/XXXX @ XXXX 71 minutes transferred multiple times stated payment would be applied to mortgage XXXX payment made with XXXX XXXX at XXXX XXXX location XX/XX/XXXX XXXX XXXX , NY Male from XXXX XXXX ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my XXXX XXXX XXXX is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call XXXX XXXX directly to rectify. The same day, I called back XXXX XXXX and spoke to customer service representative XXXX XXXX & XXXX on the phone 43 minutes being transferred back and forward Payment directly debt from XXXX account # around the same time ( will show on past XXXX statement ) XXXX was able to get XXXX XXXX XXXX on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX XXXX. stating that they will be mailing out a paper check for the balance that should have been applied to the XXXX XXXX XXXX. Paper check was dated XX/XX/XXXX ( see attached ). Received check from XXXX for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2000.00}, 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 or other personal consumer reports

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 I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

I am not liable for this debt with world finance, I do not have a contract with world finance they did not provide me with the original contract as i requested
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : DEPTEDXXXX XXXX XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX