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

This company XXXX XXXX XXXX still furnishering incorrect data to my files. They claim they never received a cease and desist letter from me, and continued to report to my file. I've sent numerous letters to fix this problem and never was fixed. XXXX never sent me any original documation of this alleged debt except a bill statement which is against the law. I've requested for any original contracts or proof and yet still not I received nothing. I never gave any consent to furnish to file, I have no contract with them nor did i have never given them any personal information of mines. XXXX can not report illegal and unauthorize personal information on my credit report. XXXX is under voilation of 15 usc 1692e False or misleading representations ; a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. You can not communicate with any person credit knowingly inserting false information with no proof. Also, under 15 usc 1681i5a treatment of unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. They are violating 15 usc 1681s2, ( a ) Duty of furnishers of information to provide accurate information XXXX ) Prohibition ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8500.00}
Product: Credit reporting or other personal consumer reports

I checked my report and the following is violating my rights Under 15.U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Inever gave transunion any written consent to report the accounts below. No consent is Identity Theft. As a consumer I am demanding deletion of these inquiries and account from my file -account 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

My account with EXPERIAN was never late! I have had exceptional payment history 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 to be 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.

EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a live single human being typing this narrative!!! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX Have 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 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 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 the information is inaccurate I have not given any of these credit bureaus my written consent to post these accounts onto my credit report, student loans are not for public information nor is a mortgage.
Product: Mortgage

XXXX XXXX my loan was sold from XXXX XXXX to XXXX XXXX. This happened right as i reached the level to remove the PMI insurance. XXXX set up the property value at $ XXXX instead of the $ XXXX it was suppose to be. They have continued to charge me the insurance. I have called, emailed, and wrote a letter. None of this has helped. They are stealing {$100.00} a month from me. If you can't help i will have to pay to refinance somewhere else.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 XXXX XXXX used my social security number to do a hard inquiry on my credit report without my consent. They never asked for my consent to check my credit report and I never gave my permission. This inquiry shows up on my XXXX and XXXX  credit reports. When you fill out an application on their website, you are prompted to enter your social security number. The website states that your credit will not be affected. You are never asked for your consent for XXXX XXXX to check your credit. I would like for this hard inquiry to be removed from my XXXX  and XXXX  credit reports.
Product: Student loan

Hello, I believe that I was victim to a fraudulent phone call regarding my student loans. I received a call from XXXX XXXX, stating there were some recent changes to my federal student loan that needed to be discussed. I was given reference number XXXX and asked to call back at XXXX, the originating call was in Kentucky XXXX. The prompting system I received sounded very legitimate and was like that I have encountered in the past when calling fafsa. However, I left a message and never got a call back. This took place on XX/XX/19. I know there have been scams like this in attempts to get a voice recording that can be used for fraudulent activity. At the time I was not thinking about it and I have had changes to my financial student loan repayment recently, so I was not suspecting anything. However, when I didn't get a call back I was thinking about it and remembered hearing about a similar scam. What can I do to help protect myself and my accounts moving forward? 

Thank you.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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.

EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mail
ed 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I mailed a Method of Validation letter to Experian, exercising my rights as under the FCRA. That was the follow up to the initial dispute letter. In my letter I demanded to know specifics of how this bureau arrived at the conclusion that the alleged accounts were verified and therefore listed on my report as accurate. I wrote that I wanted to know WHO they spoke with at these companies who verified these accounts and what documentation was used to claim validity. As XXXX XXXX XXXX states, verified means Confirmation of correctness, truth or authenticity by affidavit, oath or deposition. There has been no evidence provided that this has been followed in any matter. The credit bureau can SAY something has been verified but that does not mean any procedure was followed in ensuring that verification took place. 
It is my understanding that the credit bureaus routinely use a Consumer Dispute Verification Form in  attesting to the accuracy of any alleged accounts. Anyone can SAY they obtained verification for one of  these forms without checking into the accuracy of the alleged account. 
In accordance with my rights, I sent a letter to Experian stating that they have not responded in a timely manner and therefore are to delete the following accounts : XXXX/XXXX XXXX XXXX XXXX ( 2 accounts ) XXXX XXXX XXXX I am sending this message to the CFPB to monitor and ensure action is taken to satisfactorily resolve this matter.
Product: Credit reporting or other personal consumer reports

While checking my report I noticed that there was an account that was active on my report that did not belong to me. I tried to contact the company who stated that they will investigate this matter. I believe that my identity has been compromised and impacted in a data breach, and I would like for this to be corrected and for my information to be protected. 


XXXXXXXX XXXX date opened XX/XX/2024 balance of {$1100.00} This is NOT mines, this a fraudulent account and according to the FTC, it is my right to fair and correct reporting and my identity should be protected.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX - XXXX XXXX  XXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX - Account Number : XXXX
Product: Debt collection

Stating on XX/XX/29 for XXXX  services which I did not receive ANY. Company XXXX XXXX claim I owe them {$110.00} but for unknown services I am not familiar with or ever received. Also I am aware medical bills should not affect my credit so I know this is a scam
Product: Credit reporting or other personal consumer reports

My information was sold and illegally because I was a victim of the XXXX data breach. I want these items Deleted from my Credit Reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Vehicle loan or lease

On your site you guys stated that a downpayment isnt a requirement. But then ask me for downpayment on which was intentionally misleading after you guys stated a down payment isnt a requirement and some I feel thats false advertisement It shall be unlawful for any person, partnership, or corporation to disseminate, or cause to be disseminated, any false advertisement and not only that but a violation of 15 USC 1662 ( 1 ) and ( 2 ) just to switch the terms in order to defraud me which I cant seem to get over but not only that I dont see how you going to take a cash payment inside of of a credit transaction which i was in fact entering which a finance charge was going to be imposed which is the sum of all charges, payable directly or indirectly by the consumer to whom the credit is and extended, and imposed directly or indirectly by the creditor as a incident to the extension of credit addition to you guys pulling my credit report, i noticed third parties also pulled my credit report, all of them in violation of the FCRA as none of them is a creditor in such assignment transactions ; you is by law the only creditor but, by having no intention of extending the credit disclosed in the RISC, which you violated the FCRA at 1681b. 
And Under TILA an assignee is not a creditor. The credit-offering seller is the only creditor. An assignee is an entirely separate entity who assumes the creditor 's rights under a RISC if it chooses to accept assignment. If an assignee rejects assignment, the creditor continues to be liable under the RISC. 12 C.F.R. 226.2 ( a ) ( 17 ) ( i ) And as if you was trying to collect payments on a extension of credit would that be possible allegations of violations of 18 USC 894 im very horrified how the way you do business I wish you guys do more business and good faith instead of trying to defraud consumers especially with inflation going on
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I contacted the mortgage company approximately 2 months ago requesting assistance with paying my mortgage, since I had recently become unemployed. I provided all the requested information on XX/XX/XXXX 
They requested proof of being on unemployment, which was provided. They then requested the same information two or three times, extending the process. I was informed that in order to be approved, the mortgage had to be in current standing. So, I have really struggled to keep the mortgage current while awaiting the approval for assistance. 
I received a letter finally on XX/XX/XXXX. It stated that M & T Bank had received the additional information which was requested in order to complete the Loss Mitigation application. They stated they were in the process of reviewing the documents to determine if I qualified. 
I made a call into M & T this afternoon just to check that they had all the documents they had requested, and was informed that they had denied my application due to the fact that I did n't have a job. Well, yes, THAT was the REASON I was asking for assistance. They have offered no other options. I am at a point where I can not pay next month 's mortgage, which puts me in fear of not qualifying for assistance once I send in a request for review of the denial. 
I am flabbergasted that the programs designed to assist the homeowners when the times are temporarily difficult, would be unavailable due to the lack of income. If I HAD my job, I would not be asking for help!
Product: Credit reporting, credit repair services, 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Consumer Loan

I took out a {$2600.00} loan with XXXX XXXX/CashCall in XXXX 2013. Payments started in XXXX 2013 and as of last month they wee still taking out {$280.00} - {$290.00} with the balance of my loan barely changing. They 've taken over {$8000.00} from me and are starting to harass my family members and letting them know I owe for a loan all because I stopped payment. They 're a bunch of crooks. How can one make these payments all this time and yet the balance on the loan has n't really changed?
Product: Credit reporting or other personal consumer reports

I sent Experian a XXXX XXXX XXXX  discharge under title 11 U.S.C. 727 court order dated XX/XX/year> for accounts ; XXXX. XXXX XXXX XXXXXXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX I also sent a XXXX court document from the case XXXX stating they do not report to the consumer agency any public record of XXXX, which I asked Experian to remove from the public record and they have not. I also requested Experian to remove the following address, I do not recieve mail there. 

( XXXX ) XXXX XXXXXXXX XXXX XXXX, XXXX NY XXXX
Product: Vehicle loan or lease

After my last payment I suddenly saw a new charge on my car loan account with Ally Financial of {$450.00}. I reached out to customer service and asked what the extra charge was. I was told it was a late fee for getting an extension in XXXX  due to Covid. I did request this as I was furloughed and unemployment was not paying me. I was not told of any extra fees at the time and was told that my 3 payments would be added to the end date of the loan. I agreed to this. I was sent a notification in the app that said they sent me a letter in XXXX stating there were extra fees for extensions. At no time was I ever given an amount verbally, written or on any statement there was added fees. My loan always showed my 72 monthly payments of {$320.00} at the same time each month ( except for the 3 payments in XXXX, XXXX and XX/XX/XXXX ). I had one payment left in XX/XX/XXXXXXXX  and then out of nowhere a charge was added of {$450.00}, I asked for documentation of this fee and was sent my payment history with a payment lined out with a sharpie for {$320.00} XX/XX/XXXX ( date is in the future ) and another payment sharpied out on XX/XX/XXXX ( I have no idea why ). I called again today, spoke to a supervisor and she said it is because of my extension for the loan. I said I asked for documentation and the copies I got had no extra charges or extra fees and the page was blank with only a header. I believe this is fraud. There is no way for me to look up my actual statements myself online or in the app. They said they will mail me something in 10 business days.