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

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I paid my Home Equity Line of Credit to zero balance and the credit bureau reported the account as closed hurting my XXXX XXXX. The account is still open, I uploaded a statement showing the account is still open, just at XXXX balance and they refuse to update the report. 

I've attached a statement showing the account open with XXXX available credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I, XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose 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. 

As a consumer, I am demanding a deletion of the following account : XXXX. Company Name : 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

I am a XXXX year old female living off a fixed income with a common first and last name. I XXXX my name and found there were 100 more individuals in Michigan with the same first and last name. 

On XX/XX/2021, TransUnion reported there were 3 collection accounts past due lowering my credit score XXXX points. I have been disputing same 3 collection accounts for past 2 years. Each time TransUnion indicate they have investigated and verified information by forwarding dispute to alleged collection agency. I have 8 accounts, all with on time payments. I question the veracity of how TransUnion investigative skills. It is apparent that contacting the alleged collection agency opens the door for fraud. I have provided my correct mailing address, provided copies of my marriage license, drivers license, affidavits, yet the erroneous information reporting from Transunion have continued for more than 2 years. Furthermore, I question how an erroneous collection account can be past due after appearing on my credit report for more than 2 years? I have been a victim of ID theft at least 3 times due to TransUnion reporting.
Product: Checking or savings account

On XX/XX/2020 last week. I had confirmed with the bank. I don't have no collection or balance that prevent of me to open an account. 

However when I trying explain the bank doesn't accept it and still not able open account forever? 

The bank refused to assist me. Even after the letter I got from bank. They aren't cooperate me to insisted to open an online bank account only. The problem is they won't do anything to open an account even if I knew that I don't own, any balance from them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

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

I received a copy of my credit report and found the following item to be errors. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. With that said, I have formally disputed the item above with the debt collector, there is no account that I owe any money! If the original creditor or debt collector verify any information to you during your investigation, please advise me how you verified information of this inaccurate account and provide me the name of the person you verified the information with! I will need this information to pursue legal action including initiating formal complaints to the state attorney general, better business bureau and Federal Trade Commission. I am currently in the process of buying a home for my family.
Product: Credit card or prepaid card

I was XXXX from XXXX to XX/XX/2020 .my purse, with wallet, cards, and cell phone were locked up inside.i live alone with my son.His father and fiance were given access to apt.to solely to retrieve my sons clothing. when I got out of XXXX  my house was broken Into and several items including my purse were stolen I already sent paper work to child support card company and was denied .I did not and could not have done any kind of transaction during the dates I was XXXX XXXX.and no one has permission to use my card .I filed a police report which I sent to them along with my letter of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion has allowed XXXX XXXX to report inconsistencies, inaccurate information and duplications. I have disputed this information several times, and it has been fraudulently verified. The validity of debt does not allow for false reporting of dates and amounts. It is defamation to report false information including dates, amounts, and duplicated debt to make it appear that debt is newer, older, or to attempt to collect more money.
Product: Credit reporting or other personal consumer reports

Hello. We have been trying to fix my credit report for years. We have tried for long time to fight with credit bureaus. XXXX years. We send letters over and over again telling them they have wrong person and they don't fix nothing. They say on report I am XXXX XXXX XXXX and I am not XXXX XXXX XXXX. We have sent my license and social security card many times to show who I am. 

I keep getting letters showing XXXX XXXX XXXX. They also show I have mortgage and car accounts. I don't have any credit. I came to United States in XXXX. I got my social few years ago and I never open credit. I was not here in XXXX as report says. I don't have house, I don't have car, I don't have credit. Lots of addresses are showing on report. They are not mine. We keep fighting for XXXX years and bureaus still don't help me. I do everything I'm told. I do police report. I do fraud report. I get notary signatures. I do everything. I send everything to them many times. Please help me. 

Here are things not mine. Please remove from my report. 

XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I don't have mortgage with XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$82000.00} I don't have XXXX Account number XXXX Date opened XX/XX/XXXX. 

I don't have XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$5400.00}. 

I don't have XXXX / XXXX XXXX Account number XXXX Date opened XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX   partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Mortgage

The Law Office XXXX XXXX XXXX XXXX " XXXX '' XXXX has been retained by XXXX XXXX XXXX XXXX " XXXX '' ) to assist him in a short sale of his property located at XXXX XXXX XXXX. XXXX XXXX granted a 2nd mortgage loan to XXXX on XXXX/XXXX/XXXX which loan was then taken over by FDIC and assigned to XXXX Bank in XXXX. XXXX Bank in turn assigned the loan for servicing to XXXX XXXX in XXXX. XXXX XXXX went out of business and Credit Control LLC took over their accounts. As per XXXX XXXX, a manager at Credit Control LLC, their records show that they have released the mortgage in XXXX but the records do not state who took over the servicing of the loan. Credit Control sent the right to service the loan to an unknown entity. XXXX XXXX has not received any correspondence since XXXX in regard to the servicing of the loan. Credit Control LLC never informed XXXX XXXX that it had taken over for XXXX nor did it inform XXXX XXXX who Credit Control sold/transferred the servicing rights to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are reporting serious delinquencies of 60 days or greater to lenders when there are no accounts that reflect a XXXX derogatory mark. This issue has been going on for over 6 months now. I have most recently written to XXXX XX/XX/2022 ), contacted their disputes and member services departments, escalated the situation to managers, and opened numerous tickets to no resolution. There seems to be a disconnect between the employees that work for XXXX, their process, and what am actually disputing. With TransUnion, I have contacted customer care and tried to initiate a dispute. The issue is that there is no account to dispute. The information on the credit reports are accurate. What is not accurate is the reporting of serious delinquency by XXXX and TransUnion that does not exist on the same credit reports they are providing me. I have recently applied for mortgage financing and this erroneous serious delinquency is being reported to lenders and that is not reflected in my credit report. XXXX is the only agency reporting accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

IT IS ILLEGAL TO PLACE A CHARGE OFF ON A REPORT. SEND XXXX XXXX TO DEBTOR. YOU CAN NOT REPORT A LOSS TO THE IRS AND STILL TRY TO COLLECT NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND XXXX TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE EXPERIAN... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATA. I AM SICK OF THIS. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Debt collection

Returned items last year and never received credit. They keep adding on interest and late fees for items that I do not have in my possession. Calling and texting me over and over. I will not pay for items that I do not have and that were sent back.
Product: Money transfer, virtual currency, or money service

My account was accessed without my permission many times & they have failed to resolve the issues at all times. Ive had plenty unauthorized transactions and withdrawal many times as well throught me having this app.
Product: Debt collection

Someone opened a XXXX  credit card in my name in XXXX ( i moved out of that address in XXXX ). I got a summons for a court date and i told the judge it was fraudulent charges. He told me to work with the other party. The rep was from Mandarich Law Group.

Mandarich Law Group who represents XXXX XXXX, i have complained to both that I did not make the charges and they should research the original application for credit and who applied for it. 
Now they keep sending me a bill demanding more than XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX Account Number : XXXX The Payment Status for this account on XXXX and Equifax is listed as CURRENT. 
The Payment Status for this account on XXXX is listed as LATE 90 DAYS. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

XXXX, Equifax and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX Account Number : XXXX
Product: Checking or savings account

PayPal won't let me close my account. PayPal won't REMOVE my checking account from the PayPal Account. I have experienced REPEATED fraud with PayPal, but the company will not close my account or accept responsibility for the Fraud. It is extremely difficult to call and speak with anyone at PayPal. After sending several emails and text but getting no response, I did call and finally spoke with someone. I spent more than 2 hours requesting that my account be closed and that my checking account be removed from the account. PayPal has refused to do either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

Experian is currently reporting a bankruptcy on my credit file that 's does not belong to me. I 've never lived at the address also was told by an agent at XXXX that someone with a similar name as me probably was the reason that they attached it to me. Anywho they 've deleted it from my credit filed and so have the other bureaus can you please look into this. When contacted Experian this guy stated that he had a direct contact at the bankruptcy courts to verify that the bankruptcy belongs to me. I 've reached out to the courts and they stated that " that 's a lie that they do n't verify anything with the credit bureaus ''. They also sent me written confirmation as well. Please see attachments.
Product: Credit reporting or other personal consumer reports

Subject : Formal Response to Transunion Noncompliance with U.S. Codes and CFPB Guidelines. TransUnion Dispute Department, I am writing in response to your inadequate and dismissive handling of my complaint submitted through the CFPB Complaint Portal. Your response regarding the tradeline from XXXX XXXX XXXX demonstrates a clear disregard for your obligations under federal law, including the Fair Credit Reporting Act ( FCRA ) and guidelines established by the Consumer Financial Protection Bureau ( CFPB ). TransUnion is in violation of 15 U.S.C. 1681i ( a ), which mandates that consumer reporting agencies conduct a reasonable reinvestigation when a dispute is submitted. By failing to provide transparency in your investigation process and evidence supporting the disputed tradeline, you are in clear noncompliance with the FCRA. Under 15 U.S.C. 1681i ( a ) ( 2 ) you are required to notify the furnisher of disputed information promptly and provide them with all relevant information regarding the dispute. Your failure to ensure the completeness and accuracy of the investigation violates this provision. Additionally, if the information can not be verified, it must be deleted from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) Your approach is disrespectful not only to me as a consumer but also to the regulatory framework established by the CFPB, which emphasizes the importance of fair and accurate reporting practices. The continued presence of inaccurate information in my credit file and your vague responses highlight systemic noncompliance with federal law and CFPB guidelines. I demand the following actions : 1. A **detailed explanation** of the investigation process you conducted regarding this specific tradeline. 2. **Full disclosure of all evidence and correspondence** from XXXX XXXX XXXX used to substantiate their claim. 3. Immediate deletion of unverifiable or inaccurate information, as required by **15 U.S.C. 1681i ( a ) ( 5 ) **. 4. A mailed copy of my **updated credit report** showing all corrections made. Failure to meet these obligations will result in additional regulatory complaints and legal action. Under **15 U.S.C. 1681n** and **15 U.S.C. 1681o**, you are liable for both willful and negligent noncompliance with the FCRA , including statutory damages, actual damages, and attorney fees. I expect a comprehensive response and resolution within 15 days. Any further evasion or noncompliance will be reported to the CFPB and other regulatory agencies for review and enforcement action. XXXX XXXX social Security number XXXX Thank you
Product: Debt collection

Credit Collection/USA showing on credit report # XXXX I recently found out regarding this collection is still on my credit report. I disputed this account several months ago when I first saw it on my credit monitoring because I thought it was fraud, ID theft or another error on their part. I always pay my bills on time and I have good insurance so I assumed by disputing it that it was corrected but it is still reporting with all 3 credit bureaus. If I had received a bill I would have surely paid it easily which is why I thought it was fraud, ID theft or another error on their part-I NEVER received a bill. I always pay my bills on time which is reflective of my credit but I just applied for a mortgage and just found out that this debt is still showing on my credit. My lender notified me that this is impacting my ability to obtain a mortgage. Again If I would have received a bill or notice I would have gladly paid the {$83.00}