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

Carrington Mortgage Service ( CMS ) reported my XXXX mortgage payment to the credit bureaus are being late in spite of them cashing the mortgage check ( electronically ) from my bank ( XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and after receiving my payment dispute on from my previous complaint on XX/XX/XXXX. According to the CFPB guidelines CMS is required to suppress the reporting the of the loan and payment information on the credit profile for a period of 60 days. They misreported my XXXX payment at the beginning of XXXX. See attachments. 

Previous complaint information attached
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Indenity theft and my social were used I feel threatened by who has my credentials
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I am distressed that you have included the below information on my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the FRCA, unauthorized inquiries should be removed immediately.
Product: Debt collection

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I Have The right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit inquiry on my XXXX report that I have never seen and did not approve. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX 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 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

I have disputed 7 student loans over 3 times with Experian and provided documentation of the loan balance from my student loans from XXXX being transferred to XXXX XXXX, XXXX has stated they are not reporting anymore and documentation shows my loans were moved to another loan service, this is showing I have 14 ACTIVE LOANS when it would be 7, its doubling my loan amount on my credit report and only Experian is doing it the other two have reported correctly
Product: Debt collection

Well, first of all the debt collection company thats been harassing me to pay more than what I owe is illegal according to the law I should not pay anything thats more than what I owe so thats why I am writing this complaint against this company to delete this information from my credit report because they are violating the law They are adding interest on what they are accusing me of owing I dont know who they are. I never signed any contracts with them in the past so I owe no debt to them and I need that debt to be deleted out of my credit report.
Product: Mortgage

On XXXX XXXX I challenged OCEANSIDE MORTGAGE COMPANY the validation, and lack of full disclosure, according to 15 usc 1631 ( a ) also 16 cfr 433.2 Preservation of consumers claims and defenses, in ten point bold face print, now their violating my rights again according to 12 cfr part 1016, privacy of Consumer Financial Information ( Regulation P ) by selling contract after questioning OCEANSIDE MORTGAGE COMPANY. Deliberately defrauding me and my family.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ). -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TO YOUR COPMPANY. YOU HAVE SEVERL ACCOUNTS REPORTIGN LATE PAYMENTS IN THE PAYMENT HISTORY. I WAS NEVER LATE ON ANY OF THESE ACCOUNTS PLEASE UPDATE EACH LATE PAYMENT TO " PAID ON TIME, NEVER LATE '' FOR EACH OF THESE ACCOUNTS. ( XXXXXXXX XXXX XXXX XXXX  ) ( XXXX ) ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

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 There are different dates on when each account was open on mall XXXX credit bureau XXXX 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Payday loan, title loan, personal loan, or advance loan

I reached out to them because I was made aware that under XXXX XXXX who have XXXX  as a home of record has a provision that even if you incurred the debt after military service while or as long as you are serving on XXXX XXXX you are entitled to a reduced rate of XXXX XXXX I reached out to XXXX due to this and requested a reduction informing them other lenders have followed suit and realized I was entitled I would like to exercise my right. They went on to say oh XXXX  is only for those incurred prior to XXXX service and only on obligated installment contracts. I responded to them that no that is not the case for how XXXX law is written for XXXX  and active military that it was revised and XXXX entitled to reduced rate and they are refusing to honor it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six 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 items 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 items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting

I have been trying for over a year to get information correctly reported regarding a foreclosed and sold home. The creditor (Caliber Home Loans) has constantly informed me that they are not reporting a balance on the loan even though I have given them proof to the contrary. XXXX is reporting the amount with a balance and a past due and refuses to remove the incorrect information. This has done great harm to my family and me, as it has artificially depressed my credit rating for some time causing me to be denied credit and forced to pay greater interest rates on purchases. I am certain that common sense should apply here, but up to this point it is non-existent.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOLDMAN SACHS IS OVER THE REQUIRED TIME FRAME TO RESPOND TO MY REQUEST. BY LAW ANY ACCOUNT REFERENCE MUST BE DELETED FOR FAILURE TO ADHERE TO THE FCRA LAW. SEE SAID ATTACHMENT FOR VALIDATION OF DELIVERY AND REQUESTED INFORMATION. UNDER THE PENALTY OF PERJURY THE MUST ADHERE TO THE FCRA. 


MAIL XXXX RECEIVED AND SIGNED FOR XX/XX/12
Product: Credit reporting or other personal consumer reports

AFTER REQUESTING DOCUMENTS TO SHOW PROOF THESE ACCOUNTS BELONG TO ME. THE COMPANIES DID NOT SHOW SUCH PROOF. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED AND NOT SHOWING PROOF THESE ACCOUNTS BELONG TO ME.
Product: Credit reporting or other personal consumer reports

THERE ARE 32 SOFT INQUIRES REPORTING ON MY EXPERIAN CONSUMER REPORT. I DID NOT AUTHORIZE THESE COMPANIES TO GAIN ACCESS TO MY REPORT. THIS WAS OBTAINED UNDER FALSE PRETENSE. THEY HAD NO PERMISSIBLE PURPOSE AS I HAVE NEVER DONE ANY BUSINESS WITH THESE REPORTING COMPANIES. I AM DEMANDING DOCUMENTATION WITH MY WRITTEN INSTRUCTIONS ACCORDING TO THE LAW OR THE DOCUMENTS THE COMPANIES PROVIDED THAT GAVE EXPERIAN THE RIGHT TO BELIEVE THEY HAD TO GIVE THESE COMPANIES ACCESS TO MY REPORT. THIS IS A CLEAR VIOLATION OF THE FCRA, 15 USC 1681B TO BE EXACT AND 15 USC 1681Q.

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BANKRUPTCY THAT IS SHOWING ON MY CREDIT REPORT WHICH IS NOT ACCURATE.
Product: Credit reporting or other personal consumer reports

Hello, please see the below regarding Experian. I am now dealing with a situation where my credit report scoring has now dropped XXXX points because Experian has still not updated XX/XX/XXXX credit reporting for my auto loan with XXXX. ( XXXX sent me a copy of the letter they submitted to all three credit bureaus to update my account as current for XXXX and XXXX of XXXX. ) However, now when I log into my Experian account, all of my payment history since the beginning of my loan with XXXX is now gone. This issue has been ongoing since late last year. I called Experian last month on XX/XX/XXXX I believe. Here is the customer service information for the call. 
Confirmation number from Experian XXXX Representative : XXXX XXXX hours dispute completion I never received a resolution to this dispute. Please assist as they have completely messed up my entire credit reporting regarding XXXX. 

The other XXXX credit bureaus, XXXX and XXXX have not correctly updated my payment history regarding my auto loan with XXXX either. I have submitted disputes with all three credit bureaus and none of them have correctly updated my payment history. 

Thank you
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 21 days before the payment due date. 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!
Product: Debt collection

I believe this collection company called State Collection Services Inc. violated the Fair Debt Collection practices act by attempting to collect a debt, which should be covered by my insurance 100 %. The collection company attempted to collect a debt using an automated service or robotic form of contact, by Text message, which occurred on Friday, XX/XX/2021. I had called the company and asked for a statement of charges, which has alluded me to believe that XXXX XXXX XXXX XXXX  shared my personal medical information which is located in Missouri violated my right to medical privacy under HIPAA. I do not owe the debt, and I will also like to include that I called my Insurance company, on Friday, XX/XX/2021, and they stated that XXXX XXXX never submitted the claim to my insurance. The collection agency stated that my insurance paid a portion and maybe I should call my insurance. My Insurance company has implicitly stated that XXXX XXXX never sent the claim to be paid. The collection agency also lied to collect a debt. I believe these are unfair practices and should be dealt with immediately
Product: Vehicle loan or lease

Took out car Loan first loan in XXXX for XXXX for a use XXXX XXXXXXXX XXXX Paid XXXX deposit and monthly was XXXX. Paying for 4 years had made payments every month since then. I am aware of late payments but not the amount shown on credit report.I file dispute and here I am looking for help in my account.
Product: Checking or savings account

On XX/XX/2021, I was notified by SunTrust Bank that my checking account was overdrawn. Upon reviewing my account, I saw that a {$20.00} check that I made out to the Washington XXXX XXXX was changed to a {$4800.00} for XXXX XXXX. This check was obviously altered but was cashed by SunTrust anyway. 

On XX/XX/2021, I called my bank to let them know that I was a victim of identity theft at which time, we agreed that my bank account should be closed and that they would have the fraud investigated. They also indicated that the investigation would take 10 business days. 

At the end of the 10 days, I called again and was told that there were no notes on the investigation and my customer service rep said that she would escalate it. At that time, she said it might take 100 days. On XX/XX/XXXX, I called again and was told again that they had no information and again- they would escalate it. 

It seems as if there is nothing being done and no word from SunTrust ( now Truist ) on refunding not only the missing {$4800.00} but some additional monies from a deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Checking or savings account

I deposited a check on the Bank of America mobile app for {$9000.00}. The check was issued by XXXX XXXX XXXX. First Bank of America said funds would be available next day and then they followed up telling me a 7 day hold was being put on funds clearing. I called and spoke with the bank and was told that they had to make sure funds were available and especially with large checks and also it has to go thru clearing houses, etc. I told the lady that checks are all processed electronically and it does not take 7 days. I told her I can understand holding a personal check but holding one from another financial institution is unbelievable. This is another example of the Bank of America holding on to peoples money for way longer than needed and making their customers pay!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX CHILD SUPPORT ENFORM, has violated my rights. 

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
Product: Checking or savings account

I opened a Chase checking account using a promo/referral code, to get a new customer bonus. Representations were made that I would receive a {$200.00} credit if I got more than a certain amount in direct deposits from my employer. My employer uses XXXX and I get PPD deposits every pay period. 

I noticed that my bonus didnt post, even though I had satisfied all the requirements. I called them on XX/XX/2024 at XXXX Pacific time, on a recorded line, and their representative lied and wrongly told me my deposits werent eligible. She said only WEB/ACH payments will work, not PPD, but PPD is the code that any real direct deposit would use. PPD is the proper ACH code for payroll. 

This big bank is XXXX XXXX XXXX! My direct deposits from my employer are as real as it gets. Plenty of employers use the payroll app XXXX because it is inexpensive and fully functional. I should get the {$200.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

These two collection company keeps filing debts on my credit report without contacting me a giving me a chance to dispute debt. Under the FTC law I have the right to receive notification prior to a debt being posted o credit report. Then given 30 days to dispute. I have not been given either. XXXX XXXX filed a debt that was paid. Now this has hurt my credit report and I will be filing a complaint with the AG of Texas and speaking with an attorney about damages. 

XXXX XXXX XXXX XXXX  Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX {$82.00}