23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

TD Bank cashed a settlement check in the amount of {$6300.00}. The creditor still sent the account to collections. I have sent the bureau 's a copy of the voided check and the letter that was sent and they are not making the correction on my daughter and fathers credit report.
Product: Credit card or prepaid card

My Care Credit card operated by Synchrony Bank charged a " Card Security '' fee of XXXX a month and charged interest on this charge. I never signed up for card security or authorized these charges. I looked through all my paperwork and made sure this wasn't a part of the terms and conditions. In addition the card is to have zero percent interest for the first six months. 
I reported this to Care Credit/Synchrony Bank. I was told I had to contact Card Security to remove and refund the charges. I did this and I was told the charges would be reversed. It is too early to see if the charges have been revered. I will file a separate case if they don't.

I was told by a representative that Card Security is a third party. I called back to report this card security fee as a fraudulent charge and was then told by a different representative that card security is a department of Synchrony Bank. 
Bottom line is that this fee was not disclosed and not authorized. Interest was charged when it was not supposed to be. These are supposed to be refunded.
Product: Credit card

I missed my XXXX XXXX, 2016 payment by mistake and called the company on XXXX XXXX, 2016 when I realized my error. They waived the late fee and, in order to prevent this problem from happening again, we discussed changing my due date from the XXXX to the XXXX. I was told that future payments would be due no later than the XXXX. I even set up auto-pay to ensure I would not be late again. Today, XXXX XXXX, 2016, I received an email notice that claimed I missed another payment. I immediately called the company who confirmed that they changed the due date and setup auto-pay for me. However, they claimed that the due date change was not take effective until XXXX 2016 and the auto-pay would not start until XXXX XXXX, 2016. I was not advised on the phone or in writing that the due date change would not be effective for the XXXX 2016 period. Further, the company sent me the XXXX 2016 statement on XXXX XXXX, XXXX, but I spoke with the representative on XXXX XXXX. Thus, the XXXX XXXX statement would not reflect this representation and change by the company. The company has now increased the late fee from {$23.00} to {$37.00} and refuses to waive it. I relied on their representation that my due date was changed for all future periods, including the XXXX 2016 period. The company is now attempting to charge me a fee for its mistake.
Product: Credit reporting or other personal consumer reports

Subject : Late payment Account # XXXX XXXXXXXX ; Account # XXXX I am writing to formally dispute a late payment entry on my credit report, which I believe is incorrect. Upon reviewing my credit report, I noticed that XXXX XXXX XXXX # XXXX ] reflects a late payment for the period of [ XX/XX/XXXX ], under account number [ Account Number XXXX ]. 

I respectfully request that you review and investigate this matter, as I believe this entry is inaccurate. 

Under 15 U.S. Code 1681e B- Compliance procedures ( 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. 

According to my records, the payment for the aforementioned period was made on [ XX/XX/XXXX ] via [ cash deposit ] and was processed without delay. If there was any delay, I kindly request further clarification or supporting evidence from the creditor regarding this claim. 

Please update my credit report accordingly by removing this inaccurate late payment entry, as it does not reflect the true status of my account. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was involved in the Equifax data breach and someone used it to open accounts
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate. 
Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : Personal Information :
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the fraudulent that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending these Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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, credit repair services, or other personal consumer reports

in accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 602 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

XXXX XXXX has promised via mail that they would report a XXXX ( {$0.00} ) balance to all credit bureaus concerning my previous XXXX XXXX account. This has not happen as of yet. I was a responsible consumer and have paid my obligation. Yet, I have been dealing with the problem for two ( 3 ) years with a lot of run around and no resolution. Please see supporting documentation as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX/XXXX/2021 XXXX XXXX/XXXX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX/XXXX/2021
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balanced {$58000.00}
Product: Credit reporting or other personal consumer reports

After checking my consumer reportXXXX XXXX XXXX XXXX XXXX XXXX  and DEPT of EDXXXX XXXXXXXX XXXX XXXX XXXXXXXX is reporting a 30, 60, 90, and ND ( No data for this period ) delinquency late payment ( s ). I am demanding the following 30, 60, 90, and ND ( No data for this period ) day delinquency late payment ( s ) be removed and corrected to Current because I believe my consumer rights have been validated based on the consumer law ( s ) listed below 15 USC 1681a -rules of construction on Section 2 - Exclusions subsection A subsection ( i ) - reports containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to me the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) I the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) I the consumer is given an explanation of how I can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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 Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report. Under 15 USC 1681n, - Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to complaint XXXX. Experian failed to explain their method of validation for the account that they are claiming to be late. I asked for bank transactions, statements, and all historical information regarding the account and Experian only mailed me that the account was verified. This is impossible because I was never late. This is my second cfpb complaint in which Experian has failed to follow FCRA regulations. As a consumer I am allowed to be provided with the name and documentation on how this account was verified and Experian has failed yet again to follow the law. I will be following up with the BBB to move forward with taking this to small claims court if a real investigation is not conducted, sufficient evidence is not provided, or the late payment removed from my account.
Product: Mortgage

i have XXXX issues with Nationstar mortgage, first is I requested payoff amounts on multiple occasions beg. XX/XX/XXXX, never received one, i was told it was emailed to me but they had the wrong e mail address and would send it again, which i never got, at that point it was already XX/XX/XXXX, so i am anticipating paying this off and believing amount would be retroactive to request date, my interest alone was XXXX a month, by XX/XX/XXXX i still have n't gotten the amount and I did n't receive a XX/XX/XXXX statement so I i send them the stated statement balance of XXXX, I start receiving calls from the loss mitigation dept threatening me with foreclosure! for non payment!!, they deny they have my bank check, and at one point they hung up on me, that was on XX/XX/XXXX a follow up call with someone and they said the check was received XX/XX/XXXX and was never deposited or applied to my acct, I spoke with loss mitigation again asking how they could threaten me with foreclosure when they have a bank check for {$150000.00}, they threatened and said i could either pay or they would send the check back and start foreclosure, I knew there would be additional fees for paying off i did n't feel i should have to pay the additional 3 months interest, close to XXXX for their incompetence to give me a payoff amt. To finally get it over with I pay whatever they say is due, which was also XXXX different amounts when i spoke with XXXX different people, and decide to move on. # 2 problem arises the following XX/XX/XXXX the when i lease a new vehicle and I 'm told the only blemish on my credit is Nationstar mortgage for late payments!!!, late payments for the three months i was TRYING to pay my mortgage off # 3 problem is as of today I have still not received a lien release to obtain clear title for my home this whole situation with them has been a nightmare they are one of the most unprofessional, incompetent and disorganized financial companies I have ever dealt with and I had a good payment history with them and when the mortgage was held by XXXX XXXX XXXX, I do not feel it was justified I pay the additional 3 months interest for their incompetence and inability to give me a payoff amt. promptly when requested, I did n't even receive a XX/XX/XXXX statement! I 've never heard of such a thing, so at this point i do not know how to get these problems solved I had been in contact with the NYS Banking Dept but that was a waste of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe these companies.. I don't acknowledge the creditor. In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX****
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX # XXXX XX/XX/year> -- {$300.00}
Product: Credit reporting or other personal consumer reports

I have mortgage with the company XXXX XXXX XXXX. I have been paying on time as shown in the attached files and they still reported a late payment in XXXX which they have not corrected yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

An previous significant other had opened the account XX/XX/2019 behind my back to build my credit. I been trying to dispute this account since it was opened. It has been a whole year, the company wont remove it never matter what. This company has my info that was compromised so they verified it as accurate on my report. The fact people recommend this company is beyond me!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Va XXXX XX/XX/XXXXXXXX Procollect , INC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Acct # XXXX To whom it may concern, I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged allegations are not only being listed as OPEN but also having past due amounts of {$240.00}. This is a violation of the FCRA and is in violation of requisite XXXX complaint reporting standards. 

According to the fair credit reporting Act I have the right to a completely accurate credit report, and you are required to remove any information this is not true. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliances with all XXXX reporting standards and this account removed upon completion. 

Sincerely, XXXX XXXX
Product: Debt collection

I was contacted by an individual who identified herself as XXXX XXXX and said she represented Williams and Fudge Incorporated. She requested contact information for a friend of mine but gave no reason as to why she wanted to contact him. This is extremely suspicious and it does not involve me. Please fine Williams and Fudge Incorporated heavily for violating the do not call act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Information is being shared, trafficked and transferred without my consent. my personal information is being sold for profit with inaccurate information and without permission. I feel like I am being discriminated against by this company. Since they are buying inaccurate information and without due diligence they resale this inaccurate information without permission or without validation. I was just made aware that this is illegal practice being used by this company. Ive had accounts closed and credit limit decreases due to this false information being sold. Ive attached the XXXX and XXXX fraud account that was being reported for 6 months and after I've contacted them and served them with paperwork they had their company remove them from my file after I was denied from this company for XXXX straight months. 

these are wrong addresses being reported XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX the following accounts are reporting the Wrong Balances XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Late payment This acct is being shared, trafficked and transferred without my consent XXXX my personal information is being sold for profit with inaccurate information and without permission. I feel like I am being discriminated against by this company. Since they are buying inaccurate information and without due diligence they resale this inaccurate information without permission or without validation. I was just made aware that this is illegal practice being used by this company.
Product: Mortgage

I applied for mortgage assistance from the Maryland XXXX XXXX XXXX XXXX XXXX ) program back in XX/XX/2022. I have submitted all the documentation for the assistance by XX/XX/2022 and they are now waiting for US Bank to respond to the request. The Maryland XXXX has been repeatedly trying to contact US Bank but haven't received a response with the information needed to get me the assistance from Maryland XXXX. I have called my mortgage company and they keep telling me they haven't received anything. I need someone to contact them to make them send in the information so I can get back on track with my mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me resolve this issue my rights have been violated my rights Please remove the following : XXXXXXXX XXXX ( closed account ) XXXX XXXX card service ( closed account ) XXXX XXXX XXXXXXXX ( hard inquiry ) XXXX * XXXX XXXXXXXX XXXX ( closed ) Ways they have Violated consumer Rights/Law 1. 15 USC 1692b Acquisition of location information Not to communicate by postcard not to use language or symbols of any envelope or in the content of any communication affected by mail or telegram that indicates that there was a debt collector is any debt collection of debt 2. 15 USC 1692c Without prior consent of consumer given directly to debt collectors or express permission court or complaint jurisdiction a debt collector may not communicate with the consumer and connection of collection or debt 3. 15 USC 1681 section 2 Consumer can not furnish account without written permission 4. 15 USC 1681 section 602 Rights to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate Inquiries