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

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account : XXXX XXXX ( Account number : XXXX ) Disputed Information : reported balance, date of last activity, closed date, creditor type and last payment. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT DUE TO THE EXTENSIVE DATA BREACH VIOLATION FROM XXXX. I HAVE PROVIDED THE CREDIT REPORTING AGENCIES THE PROPER DOCUMENTATION TO BLOCK THE INFORMATION FROM BEING REPORTED ON MY CONSUMER REPORTS YET THEY HAVE NOT COMPLIED.
Product: Credit reporting or other personal consumer reports

I am writing you with this formal objection of information published and provided by you to XXXX, XXXX and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation reinvesegation into every aspect of any delinquency. and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Public Record to the credit X bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus @ damaging my credit. Without being certifiably compliant with _IMETRO reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the T reportability of the alleged Public Record Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 
XX/XX/year> Reference # : XXXX Closing Date : XX/XX/year> This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' to the reporting mandates has XXXX XXXX mo deviation, wo MetRes to the reporting mandates that there be no deviation from XXXX XXXX Format compliance since, per the XXXX, DNP XXXX " Any deviation from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears that you do not have reasonable XXXX procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to o this important matter is requested in order to comply with
Product: Credit reporting or other personal consumer reports

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. 
Please send me an updated copy of my credit report after your reinvestigation. 
XXXX  XXXX
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts 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 accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

TOYOTA MTR, has been reporting inaccurate information on my consumer reports. Date opened, high credit amount, last reported and comment sections between XXXX, XXXX and XXXX are all different and inaccurate. Please remove from my consumer report.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

On XX/XX/2018 I submitted a dispute to all 3 major Credit Buraus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feed back regarding this matter and its been well over 60 days.
Product: Debt collection

XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX in XXXX Indiana have been treating my health issues for a few years. All XXXX of the above mentioned have different billing departments but all sends their outstanding or unpaid consumer bills to Finance System INC. a collection company in XXXX Indiana. 

I made arrangements with Finance Systems Inc. to pay bi-weekly payments of {$230.00} to ensure the collections remained off my credit report until i paid the amount in full. 

Finance Systems Inc. continues to place notations and remarks on my credit report stating that I am not paying as agreed. They sent data to the Credit reporting agency on XX/XX/XXXX that I defaulted on an {$86.00} doctor bill after paying my bi-weekly payment of {$230.00}. 

Finance Systems Inc. took me to court XX/XX/XXXX for a {$250.00} bill that ended up costing me {$900.00} to pay their attorney fees. 

I borrowed money from my XXXX account to pay XXXX different doctors bills that Finance Systems Inc. placed on my credit report and refuses to remove from my credit after i paid them. 

Finance Systems continues to discuss this matter and payment arrangements with my wife without my consent or knowledge. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX billing department is not sending proper notification informing me of services performed and sending the bill directly to Finance Systems Inc to collect the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting that Shellpoint Mortgage Servicing remove the 30 day & 60 day and 90 day late payments for XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX from my credit reports on XXXX XXXX XXXX and any other reporting agencies. XXXX and XX/XX/XXXX mortgages payments are in XXXX  XX/XX/XXXX mortgage payment was made on time as reported on my XXXX credit report. 
From XX/XX/XXXX my XXXXXXXX XXXX XXXX XXXX  was hit hard by Covid 19. My clients are XXXX XXXX XXXX. They too were devastated by Covid 19 because they were forced to close. My revenue plummeted. By the end of XX/XX/XXXX I exhausted all of my savings. 
I requested a Forbearance for the XXXX and XXXX payments because of the negative effects of the virus and was approved on XX/XX/XXXX. In XX/XX/XXXX Shellpoint Mortgage Servicing posted a 30 day & 60 day late payments on my credit reports. On XX/XX/XXXX i wrote Shellpoint and requested the late payments be removed due to the negative effects of Covid 19. Shellpoint denied my request, stating that I didn't say specifically " Covid 19 " was the reason for my request for Forbearance and that I had a prior late payment.

The 2 late payments are negatively affecting my ability to acquire new contracts and credit which will grow my business revenue. On XX/XX/XXXX Shellpoint Mortgage Servicing added a late payment for XX/XX/XXXX on my XXXX credit report, My XXXX is now reporting a 90 day late. This is an error, i made the XX/XX/XXXX payment on time. 
I'm determined to make my mortgage payments. I made 9 consecutive payments starting XX/XX/XXXX. It wasn't easy. I had to beg and borrow money from friends and family. I took out high interest rate payday loans and took on odd jobs to ensure that I made the mortgage payments. Due to the late payments I am no longer able to borrow money to help me pay the mortgage. I'm at the end of my rope. I'm trying my very best to avoid Bankruptcy. 
I ask that Shellpoint take in consideration the 9 consecutive mortgage payments and remove the 30 day & 60 day and 90 day lates from all of the reporting agencies. This will allow me to obtain new contracts and credit. My revenue will increase and I will be able to Honor My Commitment With Shellpoint Mortgage Servicing. Thank You For Your Consideration And Your Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with the XXXX XXXX XXXX was opened fraudulently, without my consent. I went through a year-long investigation with the XXXX XXXX XXXXi after which they concluded that the account was a fraud account. I received a letter on XX/XX/2021 confirming it was a fraud account, and since then they have failed to delete the account from my credit reports. I received a second letter dated XX/XX/2021, confirming they have now sent deletion requests to the major credit bureaus. When I have tried to contest and delete these items myself, the bureaus have failed to comply despite providing copies of Police Reports, Identity Theft Affadavit, Correspondence with XXXX XXXX XXXX and the XXXX letters from XXXX XXXX XXXX confirming the account was fraud and that it should be deleted. Copies of these letters are enclosed.
Product: Credit reporting or other personal consumer reports

Inquires listed below on my credit report that i didnt authorize : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XXXX XXXX XXXX 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

I got a loan from Credit Acceptance in 2018. I made payments as stated in our agreement but when the pandemic happened, I was out of work and notified the company in which they told me they had no help for their customers. So I made the payments as best as I could. Most of the time it was paid on time and if not it was paid within 3 days from due date. I was notified that the amount was due on the XXXX not after and we dont have grace periods. So the first time I was late, the account would continue to reflect late payments each month until I paid that one late payment. I wasnt aware that it works that way. Even more, its hurting my credit trying to get a new car because of those unethical practices this finance company practice. It is a reason they are one of the worse companies. I didnt realize how bad those terms where until the pandemic. Also they lied to me about helping during the pandemic only to turn around and send an email about how they help their customers during the pandemic. Also this company practices harassing phones calls for one missing payments and didnt stop until I blocked them and paid. My credit report shows late payment every month because one late payment rolled over each month until it was paid. Had they given me the option to push that payment to the end of terms, I would have great credit. Its disgusting how this company hurt the very people who put money in their pockets and food on their tables. Shame on Credit Acceptance, they were never really trying to help me, just cause me more pain.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App ( Block , Inc ) failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account severely vulnerable and unprotected. Additional, their dispute resolution process is unfair and deceptive, as they did not comply with error resolution requirements under the Electron Fund Tranfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial losses, and I seek appropriate redress for these Violations.
Product: Credit card or prepaid card

My name is XXXX XXXX. On XX/XX/XXXX I purchased a vacation package ( flight & hotel ) for {$1800.00} to XXXX XXXX. As the pandemic was unfolding XXXX emailed me and said they canceled my hotel and I should contact my credit card holder for assistance. Then 2 hrs later XXXX canceled my flights. XXXX refunded my flights to XXXX. Immediately, XXXX 's on line site went down and phone lines had the recording stating the same as the email I received. I am on my 3rd round of disputing this charge with CITI Card at billingdispute@citi.com. I started my dispute XX/XX/XXXX. On XX/XX/XXXX I called on the dispute cause I had not heard anything for 2 months. I was told they notified me they needed more documents. I said I had not received an email or phone call. They said they notified me on their on line site under e-communications which I knew nothing about this link! I would have monitored it if I did! I mailed all the docs they said they needed on XX/XX/XXXX. Yesterday XX/XX/XXXX I went on line and it said it was ruled in merchant 's favor. I called and asked HOW did they determine that? Again, they needed more docs!!! Everything they asked for again I had provided and they said it was not there! This time they also wanted a letter from me stating I had received no funds or compensation in any way for the trip. Last night ( XX/XX/XXXX ) I emailed everything this time so I can pull up the doc to show them it is provided!! Now waiting for round 3. It is dispute no. XXXX with CITI BECAUSE of charging me and no delivery or refund from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They will not refinance my loans after forbearance, late payments applied, need help please. i WILL NOT BE PAYING TILL XXXXXXXX XXXX XXXX XXXX XXXX That's a Covid disaster for me I need a break please Thanks XXXX XXXX XXXXXXXX XXXX XXXX To whom it may concern : I was one of millions XXXX XXXX XXXX XXXX that Covid Epidemic affected. 
XX/XX/XXXX Texas GovernorXXXX XXXX XXXX XXXX  signed an Order to close business that had gatherings of no more than 5 people. 
I have a mortgage on this XXXX XXXX, rental building capacity of XXXX XXXX XXXX XXXX. My Leasor could not pay the rent so they left, The mortgage company said they could help with Modifying my Loan with Forbearance assistance. 
See attachment please see for yourself if you call this assistance. Thanks XXXX The attachments should answer your questions on Payments, Taxes, Insurance, amounts on our following properties. We only have XXXX mortgages and XXXX other properties paid in full. 

1. FHA Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. FHA Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 3. FHA Loan XXXX XXXX XXXX converted to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 4. No Loan, Tax only, XXXX XXXX XXXX Lot 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 5. No Loan, Tax only, Vacant Lot XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Estates I signed Subdivision established XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX VACANT LOT PAID IN FULL 30  YEARS AGO LOT 2 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX LOT 3 - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  PAID IN FULL 30  YEARS AGO LOT 4 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX LOT 5 - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LOT 8 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX
Product: Debt collection

This company ( XXXX XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$90.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.