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

XXXXSubject : Dispute of Inaccurate Late Payment Reporting on My Credit Report** **Date : XX/XX/XXXX, XXXX Dear XXXX I am writing to dispute the inaccurate reporting of late payments on my credit report, specifically related to the credit account **XXXX XXXX XXXX XXXX** with account number XXXX. Upon thorough review, I have identified discrepancies in the reporting, which are a violation of the Fair Credit Reporting Act ( FCRA ). The late payments reported on the aforementioned account are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms. 

It is my understanding that under **15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) **, my consumer report should not contain information solely related to transactions or experiences between the consumer ( myself ) and the party ( you ) making the report. Payment history and the associated late payments negatively affect my consumer report and are considered part of my transactions and experiences with your company. 

Furthermore, I am requesting that you provide me, in writing, the reasonable procedures adopted by your company in compliance with **15 USC 1666b**, ensuring that my periodic statement is mailed to me ( the consumer ) no later than XXXX  days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15. 

**Reference to XXXX ( Paid As Agreed, Never Late ) : ** The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed, Never Late '' based on the timely payments made. It is crucial that my credit report accurately reflects my financial responsibility and commitment to meeting my payment obligations. 

Therefore, I request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant information demonstrating that the payments were indeed late. In the absence of valid proof, I expect this information to be rectified promptly. 

If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed, Never Late. '' Per the FCRA, I request that you conduct a timely investigation and provide a written response within XXXX  days of receiving this dispute letter. Failure to meet this timeline will be considered a violation of the FCRA. 

I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 

Sincerely, **XXXX XXXX XXXXo** XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

They put the account on my credit and XXXX when I disputed it through XXXX they put XXXX as collections but they didnt put it on my credit till XXXX so Inaccuracy of dates and they have provided any proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING. HARD INQUIRIES XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. 

XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$680.00} XXXX {$20000.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$20000.00} XXXX The XXXXXXXX XXXX XXXXXXXX Department of Education all XXXX loan accounts. 
EXTRA
Product: Mortgage

Bank of America is reporting XXXX open charged-off accounts on my credit report, however, there is only XXXX account. This is in direct violation of the CFP Act and should be resolved immediately. I have attempted to resolve this issue via direct communication with the bank and, also, through XXXX credit reporting agencies. The accounts in question are BofA mortgage accounts : Account # XXXX # XXXX accounts have the same open date, same high balance, and same charged off amount.
Product: Debt collection

Today I received an alert from my credit monitoring service that this company has reported that I failed to pay a debt that I supposedly owe. I did not receive notification of this matter prior to this being placed on my credit report. They are in violation of the debt validation law and HIPPA as this may contain to my medical records
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account XXXX XXXXXXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than 7 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.
Product: Credit reporting or other personal consumer reports

submitted a dispute to XXXX XXXX for the removal of or correction of the following accounts. 
XXXX XXXX account PAID off on XX/XX/XXXX XXXX credit last XXXX acct number XXXX card PAID off XXXX XXXX paid monthly on time XXXX XXXX PAYING MONTHLY I DID NOT RECEIVE ANY PRODUCTS VIA XXXX XXXX XXXX XXXX THEREFORE THIS SHOULD BE REMOVED FROM MY CREDIT REPORTS
Product: Prepaid card

I received three gift cards on XX/XX/year>, sadly my phone was stolen. Which had two of the cards on there that I already spent ( those werent even touched by unfamiliar purchases, which is crazy ). I left one of those three cards in my email because it was about XXXX  and I wanted to save that instead of spending it up when I finally got into my XXXX to go for the card, the transactions on the gift card balance showed two purchases on the XXXX of XXXX. One for XXXX the final one for {XXXX, at a XXXX XXXX in XXXX ( I live in the XXXXXXXX XXXX XXXX ) and the wildest part about all of this is that it was done in the same minute at XXXX XXXX. I called Amex for help and all I was told was in 90 days theyll have an answer for me. I dont want to keep waiting. I need a new phone for my job, school and other responsibilities.
Product: Credit reporting or other personal consumer reports

ACCOUNTS THAT ARE NOT MINE ARE STILL REPORTING TO MY CREDIT PROFILE. THESE ACCOUNTS HAVE NOT BEEN VERIFIED. THESE ACCOUNTS WERE REMOVED AND HAVE BEEN REINSERTED ON MY CREDIT REPORT WHICH IS IN VIOLATION OF 15 USC 1681, I WAS NOT NOTIFIED WITHIN XXXX BUSINESS DAYS OF ANY ACCOUNTS BEING PLACED BACK ON MY CREDIT REPORT. 

FURTHERMORE STILL REPORTING ACCOUNTS RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 THIS IS AN ONGOING ISSUE THATS SEVERLY IMPACTING MY ABILITY TO OBTAIN CREDIT
Product: Credit card or prepaid card

Unlawful or Unsound exercise of powers and Failure to Comply. XXXX failed in their fiduciary duty and mislead original creditor.
Product: Mortgage

In XXXX 2017 I reached out to my Mortgage company in regards to an employment hardship that rendered me unable to make full payments to my mortgage company, Dovenmuehle Mortgage. I sought options to make partial payments until I was able to make the full payments. They informed me that they did not take partial payments and informed me of their Loss mitigation process. They also so gave e information about HUD approve advocacy agencies that could assist me in filling out the package.At that time I started the modification process I was 90 days ( {$2200.00} ) behind on my mortgage and I wanted to get help as soon as possible before I got severely behind. I started working with XXXX who helped me fill the paper work and I also was working with XXXX XXXX a mitigation officer at Dovenmuehle Mortgage. I was assured that while I was going thru the modification process my loan would not go in to Acceleration or foreclosure however on XXXX XXXX, 2017 I was sent a certified letter of Acceleration from my mortgage company. Its been three months and the Mortgage company has not responded to me or XXXX other than my file is be processed. I feel threatened that I may lose my home.
Product: Credit reporting or other personal consumer reports

The balance owed to XXXX XXXX has been settled and paid. I am requesting this account be deleted from my credit report. As of today, Friday, XX/XX/year>, my credit report is showing inaccurate information This is unfair and harms my financial reputation
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/2024 to the Credit Bureaus requesting that they reinvestigate the disputed accounts from my credit report as well as temporarily correct this account from my report during the investigation period. Upon reviewing my updated Credit Report, I realized that no correction was ever made on my Credit Report! As of this date, the Credit Bureaus have failed to respond to my requests. The 3 credit bureaus are required to authenticate this account under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate and correct the unverifiable account below : XXXX XXXX  Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with Fair Credit Reporting act XXXX  account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A. States I have the rights to privacy.

15 U.S.C 1681. Section 604A section 2. It also States a consumer reporting agency can not furnish a account with out written consent with out my written instructions
Product: Mortgage

I live at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. It is a XXXX  apartment on thXXXX XXXX XXXX of the building. 

While the property is located in flood zone, my apartment does not have any flood risk given the elevation ( At least XXXX ft above the ground ). 

Despite these facts, the cross country mortgage lender has asked me to provide a flood insurance in addition to the usual property insurance. They also threatened to charge my escrow account if I did not do so. 

I currently have a mortgage balance of {$210000.00} approximately. 

I do not believe that flood insurance should be required I have provided them the proof of flood insurance that my building and coop management has obtained for XXXX. The building is insured for {$500000.00} by XXXX which is the maximum possible amount of coverage. The same coverage has been effect for each year since the mortgage was issued in XXXX. For XXXX, XXXX, and XXXX, the company accepted the coverage in those years and there were no further issues. 

However, this year, they have rejected the same insurance evidence and once again threatened to charge my escrow account for the insurance they would purchase. While the cost is not known, estimated cost would be around {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports were pulled without my consent in the name of pre approval check. As far as I know the below agencies/organisayion has pulled the report without making me aware of the same : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Due to multiple credit checks my credit score is down and i am facing issues with the loan approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, 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: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 XXXXXXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts on resolved the consumer financial protection bureau has recently filed a lawsuit against Experian, alleging, systemic issues such as failing to forward consumer provided evidence to furnishers excepting unreliable responses, and failing to adequately notify consumers of dispute, outcomes these failures align with my experience where Experian has needed the corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law, and my rights as a consumer
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have confirmed with multiple pieces of evidence my two XXXX accounts are reporting incorrectly and Experian refuses to correct.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report back on XX/XX/year>, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. They are breaking several Federal laws. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report : 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. 

I also asked them to provide me with a description of the investigation on XX/XX/year> according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either.

They are also breaking these laws as well below According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors : 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. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

I believe the account is invalid. COMENITY BANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. COMENITYXXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX I submitted a FTC REPORT due to my credit file being impacted by the XXXX Data Breech. Disputes along with the FTC REPORT were mailed off to Experian and as of Today XX/XX/XXXX. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. 

All accounts were unauthorized and need to be removed XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB JUST ERASED MY WHOLE DISPUTE. XXXXXXXX XXXX XXXX XXXXXXXX received my remittance coupon payment that was sent on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX closed my account on XX/XX/year>. Also still reporting late payments to all three bureaus. SAD!!!!!!!!! 

Violations of My Consumer Rights!!!

28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 18 USC 1344 UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I took out a loan online at Prosper.com. In XX/XX/XXXX I contacted the company via their 800 number. I spoke with a customer service representative because I was experiencing financial hardship and could not make the monthly payment. I was told that I had to call on XX/XX/XXXX when the loan was 30 days past due to request to be put on the hardship program. I was told that as long as I called before XXXX a.m. XXXX my loan would not be reported late. 

I called the 800 number three times on XX/XX/XXXX, and was told that Prosper was experiencing issues with its website which prevented me from being offered a hardship program and that they were not aware when the issue would be resolved. 

During the third call I spoke with a representative whose first name was XXXX. I decided to use the money for my rent to make the payment to avoid a 30 day late payment of my credit report. I made the payment while XXXX was on the phone with me and she confirmed that I was making the payment before XXXX p.m. XXXX and it would not be reported as late event though the system stated the payment would not post until XX/XX/XXXX. 

XXXX stated this was an error as the website was experiencing issues and that she was created a ticket so that her supervisors and others were made aware of the issue. 
XXXX told me to send an email to support@prosper.com to also make them aware of the matter. I received a response from support@prosper.com stating my payment was late and would be reported to the credit bureaus. 

On XX/XX/XXXX, I called the XXXX number again and once again spoke with XXXX. She reviewed the email that I received from support@prosper.com and stated she would escalate the issue to her supervisor because my payment was not late. 

After speaking with XXXX, I again received an email from support@proper.com stating my payment was not received on-time. I am filing a complaint because of the inaccurate credit reporting. 

Prosper states all calls are recorded. Therefore, my calls should be able to be reviewed.
Product: Payday loan, title loan, or personal loan

I'm making advance payments on a loan - the loan is current and I'm making additional payments. The lender is not applying additional payments to principal even though their contract states they should do that. I've called them 16 times and been put on-hold each time, for up to 45 minutes. When I do get through they either refuse to correctly classify the payments ; tell me they will let me speak to a supervisor then put me on a long hold and disconnect the call ; or simply disconnect the call.They don't acknowledge emails or physical letters. Specifically these are the advance ( principal ) payments which the company is incorrectly crediting to interest ( total of {$1300.00} ) : XX/XX/XXXX -- - {$50.00} XX/XX/XXXX -- - {$50.00} XX/XX/XXXX -- - {$250.00} XX/XX/XXXX -- - {$25.00} XX/XX/XXXX -- - {$250.00} XX/XX/XXXX -- - {$250.00} XX/XX/XXXX -- - {$160.00} XX/XX/XXXX -- - {$22.00} XX/XX/XXXX -- - {$250.00} XX/XX/XXXX -- - {$50.00}
Product: Vehicle loan or lease

I disputed this account with XXXX  on XX/XX/2018 information on my credit report was updated but the information was not removed and XXXX advised me to dispute directly with Chase. I contacted Chase and explained to them that the account that they are reporting on my credit report was fraudulent and Chase sent me a Fraud Affidavit to fill out., after I filled out Chase Affidavit along with a police report, Chase denied my fraud affidavit and refuse to remove the fraudulent account from my credit report without a reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Student loan

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?