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

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX, XXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX XXXX XXXX XXXX bankruptcy dismissed Date filed XX/XX/2017, 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, credit repair services, or other personal consumer reports

I have previously disputed XXXX XXXX XXXX XXXX XXXX # XXXX with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELTED immediately.
Product: Credit reporting or other personal consumer reports

There are several loans on my credit report that I believe came from the data breech by XXXX XXXX. These are fraud : XXXX ) XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX I did not create any of these accounts and need help in getting this stuff off of my credit report so I can get my life back together.
Product: Credit reporting or other personal consumer reports

Dear CFPB Agency, It's quite a funny and frustrating experience that I have with the consumer reporting agencies ( TransUnion, XXXX XXXX XXXX ), because when I first reported these inaccurate accounts to them, the three ( 3 ) of them bureaus have different reports and definitions of each account. The other one will declare that the account is current and the other will declare it Late or Missed payments. I disputed their reports because I did not remember having that account in the past and now, XXXX has changed their information to XXXX XXXX, from being current in XXXX switching to Late status in XXXX. If they claimed that they're reporting accuracy on my files, why do they have to switch and change information after I provided them the corrections and disputed the item? 
They seemed not to be communicating with one another and not getting the correct information to one creditor, because they are reportingdifferent information. There also reported Collection accounts that I did not remember acquiring such alleged debts. They can't even validate the accuracy of it. I have never signed to this company either. So, I'm pondering on how they obtained this data and where did they get this. Sometimes I'm receiving notification that someone has run an inquiry on my account without my approval. This unfair practice makes me feel frustrated and upset. please help me delete these inaccuracies they are reporting. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went through a loan modification in XXXX with XXXX XXXX XXXX. My husband had a XXXX XXXX XXXX and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XXXX XXXX, 2017 was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure. 
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate
Product: Credit card

I am a victim of identity theft. Someone opened a Capital One Bank credit card account in my name, using my personal information without my consent or knowledge. The fraudulent Capital One Bank credit card account has a balance of {$490.00}. I have never applied for a Capital One Bank credit card account. The Capital One Bank credit card account is a fraudulent account. Full Name : XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Debt collection

Johnson Mark LLC, a debt collection law firm, has handled several debt collection lawsuits for credit card falsely opened in my maiden name. I have called their customer service line and emailed several times. I have spoken with customer service representatives several times and informed them that this is not my debt and isnt fraudulent. I have sent emails with copies of the police report of a break in at my apartment, and my FTC identity theft report. I am given no information on the debt, received only automated emails in return when I send my reports to them, and the debt collection court cases have been allowed to continue. One case has now made it to wage garnishment and I can not get any answers or feedback from Johnson Mark LLC. I have not been able to reach the lawyers directly, just an automated number. 
I have repeatedly stated this debt is not mine and I am a victim, yet they proceed to harass me. 
There are so many cases its been hard for me to follow. Most recently, XX/XX/XXXX wage garnishment related to a court case that they won by default. 
I believe they are saying the debt came to them around XXXX. Defaulted sometime XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit report pulled and noticed that XXXX, has made an incorrect report on my credit, which has made a significant decrease in my credit score. In XX/XX/2018, there shows a late or missed payment. I have never made a late payment with this account, I was set up on autopay and know that at one point, I did change autopay cards, in which case, I am assuming that this is when the change happened, but nonetheless the payment still should have been removed from my account, thus not making it appear as if I was late. I believe this was reported in error and due to the circumstances stated above ; in my opinion, this should not be on my credit report, which is extremely damaging for a {$24.00} payment. Since opening this account, I have had a great relationship with XXXX and would like to continue my relationship, should this be corrected. Please take my issue into deep consideration, please and thank you. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX put some kind of loan debt on my credit report. I've dispute several times and comes back it is mine. I called and put in my last 4 and DOB in automated system and started account not found. When rep came on phone she asked for my full ssn and stated that's not name on account. I've asked for proof of documentation that this is my account numerous times when disputing thru credit bureaus but I get nothing.
Product: Credit reporting or other personal consumer reports

THE INVESTIGATION DID NOT RESOLVE AND THEY WOULD NOT TELL ME HOW THEY INVESTIGATED MY ISSUE AND THEY BROKE SEVERAL LAWS
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank recommended we apply for a loan modification for a mortgage loan we have with them. We followed all the steps which they required. 11 months later we received notice that the loan application had taken too long and had been cancelled. This resulted in a massive lowering of our credit scores. The reason the loan took long to complete was because there was a problem getting the documents signed. My daughter and I live in different states. 3 times we both went to a notary to sign documents and all 3 times Chase said they done incorrectly. Without notice they then closed the loan. We were never told of late payments. We have been paying on the mortgage on time for 10 years. We don't need a loan modification anyway and would just like our credit to be restored. We did nothing wrong and shouldn't be punished. The people I talked to were useless in helping with this issue. Even though they said they researched the problem they really only looked at the loan and saw that he had been closed. I have the list of people I have talked to and can attach. The loan is now totally up to date in payments and there is no reason Chase can not restore our credit. It was their mistake and needs to be fixed.
Product: Credit reporting or other personal consumer reports

I am very concerned because my credit reports are showing discrepancies, and I am a very concerned consumer and want only true information about me reporting I have highlighted all the discrepancies. Pease remove these inaccuracy information as you are in violation. XXXX is reporting to Transunion a collection of {$1000.00} high balance, Account opened, XX/XX/. Account type- OPEN. Pay status- Account included in Bankruptcy. XXXX is not reporting this collection, neither is XXXX. having this info is a Bankruptcy violation.
Product: Checking or savings account

We tried to go into the branch on XX/XX/2023 to close our accounts at Regions bank. The day after we tried to close all accounts, fraudulent XXXX charges appeared on my account that were not done by myself or anyone in my household. I called originally and reported the issue and was informed that the charges had to " post '' before we could dispute them. I waited until Monday XX/XX/2023 to call back once the charges were posted to my account. Then she said she was opening an investigation into the charges after we double checked that my last XXXX purchase in my history was for {$2.00} on XX/XX/2023. I received a letter in the mail that Regions found the charges to be not fraudulent even though they were not done by me. Now the overdraft fees for the charges are {$100.00} for charges that aren't mine and the account will not close. 

We have never had this happen before and it just seems a little suspicious that it happened right as we tried to move banks.
Product: Vehicle loan or lease

I have been paying off a car with VW credit for 3 years. I have paid on-time or early each time. Additionally, I have paid more than the amount needed. I recently received a bill and it had a late payment plus new payment on it. I contacted XXXX extension XXXX on XX/XX/19 to discuss this problem. She agreed that the billing was wrong and would handle it. I made a XXXX dollar payment that day as I usually do every month. Subsequently, I received a late payment notice again with a threat that they will contact the credit bureau. I called again today and after 30 minutes, much of which was on hold for XXXX  extension XXXX, she indicated that I should actually be ahead not behind based on my payment history. She said she will again look into it. However, I am concerned that their accounting department has not audited my account correctly. I paid the remaining balance that is due to prevent further threats however, I believe their accounting department needs to be held accountable as I am probably not the only person this is happening to. Neither customer service representatives could provide me with a reference number for my call. I also sent an email inquiry today as I wanted some proof that I am trying to get this situation corrected.
Product: Checking or savings account

My account was closed and upon closing noticed there were missing funds. Went to a branch and finally after two weeks of waiting received my statements. Reviewed these statements on XX/XX/XXXX with another representative and came upon a few charges that weren't authorized. I dispute these charges. which their was a total of XXXX charges on this claim with the amounts of XXXX, XXXX. Then I received a notice on my phone that a decision has been maid in less then XXXX hours of opening this claim. I've asked several times for proof of the decision being made or any documentation that allowed them to make decision swell as reopening the claim but so far nothing has been done but me being told that I am unable to reopen. Ive tried to get supervisors on the phone and still haven't been able to. Any charges made between those charges were charges where merchants already had my car information stored or merchants that I've used XXXX XXXX with as a form of payment. XXXX not sure what drove them to deny my claim but would like these re-investigated and funds credited to my account.
Product: Mortgage

LoanCare sends me letters stating that my insurance has expired, and that I am not covered for windstorm damage. I live in a condominium apartment, and the insurance policy of the condominium association has never lapsed. I have mailed LoanCare and faxed LoanCare copies of the insurance policy. They continue to threaten me that they will bill me for coverage. 
They also tell me that my escrow account is depleted because of increased taxes. XXXX apartments are taxed at a lower rate than free-standing homes.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

XXXX : XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX TransUnion : XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

XX/XX/2023 Sought a pre-approval letter for a mortgage through RocketMortgage as they advertise : XXXX a SOFT pull on credit XXXX pre-approval within minutes of completing their online process So, I did this process, was pre-approved for XXXX and then was not given the actual letter stating this as I had to : XXXX chat with " XXXX XXXX '' XXXX of their account chatbots I assume. XXXX asked for quite a bit of additional information, which I provided. I also spent more time than should ever be necessary to explain to XXXX that I do not, in fact, legally need a real estate agent, as the buyer, to qualify for a mortage or purchase a house. His staggering incompetence is another matter and not the focus of my concern here. 
XXXX. My concern here is that despite rocket mortgage pre-approving me for XXXX, they would not send me the letter unless I sent this XXXX person additional sensitive documents to his email AND speak with him on the phone. 
XXXX. I did not authorize a hard pull on my credit. A hard pull when it is specifically stated to be a soft pull is absolutely unacceptable. 

I hope you share my concern and I thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in XX/XX/year> 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

It didnt give me the option on here for what the actual issue is. 

I asked XXXX to help me set up a payment plan without autopay. 
Instead they set up a payment plan but didnt ask what worked for me and then made due dates that didnt work for me. I emailed asking them to help. Instead of contacting back they no longer have my accounts and I dont even know where they are who they are with.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX
Product: Debt collection

Credit collection services states I owe two medical bills which are showing on my XXXX credit report as two different collections. I sent a letter of verification to credit collection services and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to XXXX credit bureau and the two collections are still on my credit report after disputing three times. XXXX says their dispute results are verified when they can not be because the credit collection company can not verify this information.
Product: Money transfer, virtual currency, or money service

Cash app is making me pay for a fraud charge I did not do from back in 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inaccurate account info with all three credit agency 's and they did not comply with disputes and did not remove accounts from credit report during disputes for inaccuracy 's. They did not provide appropriate documents for the dispute results or provide original documents with original debtor reports verifying my info or that I authorized my info to be published or sold to third parties or was responsible for said debts. They have violated my rights under the fair credit act to accurately display my info. 

The accounts in question are : Account name XXXX Account number XXXX Account name XXXX, XXXX. 
Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX
Product: Student loan

I student loan of {$480.00} has turned, through defaults, and bank fees, to a XXXX debt plus interest.
Product: Credit card

Capital one high fees and sold my account too collection as a change off due too sum one cancel da payments they made for me
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX IXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX/XXXX  XXXX ... XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX