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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment was made on time, but due to a clerical error on the part of the creditor, it was recorded late. I have attached bank statements that confirm the payment was withdrawn from my account before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Consumer Loan

XXXX XXXX, XXXX, I purchased a XXXX XXXX from XXXX XXXX located in XXXX, Texas. The initial loan was financed through AmeriCredit XXXX XXXX. The loan was acquired by GM Financial. I contacted a representative on XXXX XXXX, XXXX and requested a printout of my payment history. Upon reviewing the documents I noticed there were several months in which the finance company charged me over {$400.00} dollar in interest. My monthly car payment is {$510.00}. I called the finance company. The representative said I have a simple interest loan. I asked the representative is it legal to charge me an exorbitant interest rate on the loan balance. In my opinion, this type of loan is equivalent to the pay day and or car title loan. I vaguely remember reading the government has passed or is contemplating passing legislation to prevent companies for preying on customers in financial distress. She said the interest is compounded daily on the unpaid loan. On XXXX occasions I encountered financial difficulties and deferred the loan. Unbeknownst to me they charged me XXXX the amount of interest which resulted in additional {$2400.00} in payments. I asked the representative how much I would save if I paid the loan off. My current interest rate is 10 %. She said I would not save a penny because they have already added the interest due to the type of loan. Can a finance company legally charge over {$300.00} in interest in one month? I am confident XXXX of Americans on a daily basis are paying a high interest on a simple loan due to lack of knowledge. I would not have selected this type of loan option. I relied on the expert knowledge of the loan officer. 

Example of interested paid : {$270.00} interest paid XXXX/XXXX/XXXX {$430.00} interest paid XXXX/XXXX/XXXX {$390.00} interest paid XXXX/XXXX/XXXX - I was late paying the care note {$420.00} interest paid XXXX/XXXX/XXXX - I was late paying the care noteInterest rate in XXXX to XXXX average was {$270.00} dollarsInterest rate average in XXXX was {$220.00}
Product: Debt collection

Vance and Huffman LLC and XXXX XXXX XXXX XXXX {$8700.00} i have filed several disputes against this company in the credit bureau. this is not my debt. i do not and have not opened an account with this or any other company the dates they say was opened is XXXX, 2020 i asked for proof, a signed contract, anything to show that this is my debt but the have given me nothing and have lied to the reporting agencies and its still on my credit. 

this is against the law and they dont care.
Product: Credit reporting

Transunion re- inserted a previously deleted unknown public record account on my credit. I am not sure where they get their information from but my file with this bureaus contains false and misleading information. BK Reference Number XXXX need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

so i sent a couple of letters to the bureaus, and i have not herd anything back, this was 60 days ago and to my understanding i should have heard something from someone, no one has called me but i have called them but i cant get on the phone with a live person, there is something wrong with that because it is hindering me from getting credit because every time they pull up my report they can see whats on there, it is a bankruptcy that should not be on my credit report, i spoke to the court about this matter and they said they do not report to the bureaus please remove it from my credit report. either respond or delete whats on there off. my list of things on my credit report will be posted below. 

Equifax. 
1. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy : Voluntary XXXX Case Number : XXXX This account is inaccurate. Please delete at once. 

XXXX. 
1. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy chapter XXXXpetition filed Case Number : XXXX This account is inaccurate. Please delete at once. 

XXXX

1. FDCPA Section 807 Violation Misleading False Reporting Chapter XXXX bankruptcy filing Case Number : XXXX This account is inaccurate. Please delete at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion Bureau, I am XXXX XXXX, a victim of identity theft. Scammers applied to Financial Organizations in order to get loans. 

The hard inquiries listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone has made transactions without my knowledge or authorization, my personal information has been used to obtain goods, services, or money. 

I enclosed in this letter an FTC report, SSN, the copy of my Drivers License, and proof of address. Here is the list of Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my official request to to have the aforementioned fraudulent inquiries to be deleted off my credit report. Thank you in advance for your consideration.
Product: Payday loan, title loan, or personal loan

Fig Loans opened a loan without my authorization. This loan was opened from an Identity Thieve, and Fig Loans was already made aware of it. Fig Loan 's ( Fig Loans Texas ) Is stating to XXXX and XXXX that I owe them {$1500.00} Which is incorrect, This loan is fraudulent. I do not owe them {$1500.00} I have never owed them any loans for XXXX This is a lie and being reported inaccurately to the credit bureaus. I have attached an identity theft affidavit below. I do not owe Fig loans any money, and I did not apply for any loans with your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and submitted multiple complaints about XXXX XXXX inaccurate information on my credit report. XXXX XXXX is in blatant violation of the FCRA. They are reporting an account that has been charged off as an open account with late payments. XXXX XXXX has also deceptively changed the reporting history in this account and upon investigation keeps sending false information to the credit bureaus. It is plain to see XXXX XXXX are reporting 120 and 180 day late payments. The record also reflects there has been no payment om this account for 4 years. Which means 120 and 180 day late on my credit reports is inaccurate information and against the law. I have tried to resolve this many times with no resolution. By law per FCRA XXXX XXXX and Credit Bureaus must report accurately. They knowingly have not and thus continue to affect my credit and my life in a negative way. This information must be corrected to report accurately or I will be forced to take legal action against XXXX XXXX, Equifax, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # 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, credit repair services, or other personal consumer reports

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the XXXX is asking you for validation ( FDCPA ).
Product: Debt collection

JPL Recovery Solutions XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, NY XXXX XXXX The company mentioned above contacted me at work on XX/XX/2018. I told XXXX ( the woman calling ) not to call me at work and I would call her back when I got off work. The very next day, XX/XX/2018, I receive a call from XXXX on my work phone. I told him that I told XXXX not to call me at work and hung up the phone. He called me back the same day right after hanging up the phone and said he could call me at work because I hang up before he could finish his sentence.
Product: Credit reporting or other personal consumer reports

Somebody stole my identity and opened accounts in my name.
Product: Credit card or prepaid card

My citi card raised my interest rate on my previous purchases without notification. When I called they first told me the prime rate increased and thats why my interest was different. I ask for a supervisor and was told no supervisor would speak to me because I wasnt the primary cardholder then I pointed out I was authorized to speak on this account otherwise they wouldnt be speaking to me. The supervisor got on the line told me I didnt know how to read the bill then became frustrated and hung up. They can not raise the interest rates on past purchases without notifying me in advance. I was not notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

had an account with XXXX  XXXX and on mulit atemps to use card payments and use of card was declined when i paid what they said was owed it was not reported to the card the day it said it would be and it resulted in fees being charged to me by my bank and my account with the bank being in risk of being closed. i was contacted by XXXX  XXXX customer collections saying my account was closed then recieved a statement saying i owed them a payment. then on XX/XX/XXXX got a calls saying that my account is not closed and demaning payment ; which is in violation of the 15 USC 1692d Harassment or abuse. also the fair credit reporting act 1666b ; and 15 U.S.Code 1692k civil liability. I have reached out to the billing error department in writing and via email also with no responce as of yet and i do know that accourding to the HJR 192 that was replaced with 31 U.S. Code 5118 Pub. L 97-258 that all debt is that of the United states according to the Gold clause & consent to sue. they have also not remitted any of my payments to me or my account but they send a statement each month of the intrest they have recieved on my account but again i have reciereved no credits to my account and the sercuities they exchange act and mail fraud has also been violated with improper delivery of this incorrect form
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I've been disputing things on my report since the summer and it's alot of wrong information and wrong addresses plus wrong names on my report and I get email from ( Experian ) that they are not removing it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have reached out to Transunion to see if they would clear the inquiries on my credit report due to the fact that my identity was stolen. They were not able to help. Below are the credit inquiries with the dates listed that were placed using my information without permission. 

XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 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 - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 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 - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit card

I have used the Capitol One XXXX extension on my browser and followed all their instruction ( i.e. not navigating away from the page ) They tell me I can get cash back as a statement credit but I rarely receive the credit. Also there is no indication that the credit work anywhere until you actually purchase the item. To me this is an absolute scam. They need to make it very clear if I am getting the deal the are offering or not.
Product: Mortgage

I submitted a request for home loan modification from Caliber Home Loans on XXXX XXXX, 2015. Caliber send a letter dated XXXX XXXX, 2015 that they received our package and is considered complete and ready for review. They sent a decision letter dated XXXX XXXX, 2015 denying our case, but their denial reason does not make sense. Our income did not allow us to afford our mortgage for the reason stated on our hardship letter, but it was recently increased in XXXX 2015, now our servicer Caliber, stated that because this income increase we can afford our mortgage payments, but did not consider the fact that we can not afford to bring the {$66000.00} default, please help us to obtain a reasonable and common sense review of our request.
Product: Debt collection

Allied Collections has continually " verified '' that an account is valid. This debt is over the time limit that is allowed to be placed on my credit report. When I attempt to dispute they just " validate '' the debt. No responsibility for this debt has been claimed by me to this company. So there is no reason for them to re-age the debt or otherwise continue to report this old debt. This account is far beyond the statute of limitations for the state it originally occurred in.
Product: Debt collection

I assert that your agency 's actions in attempting to collect this debt have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. The following violations have been observed : 1. Agreement bearing my signature, Verification and validation of the alleged debt, including the original creditor 's name and contact information, the account number, and a detailed breakdown of the alleged charges. 

2. A complete account history, including the date of the alleged delinquency, any payments made, and any additional charges or interest accrued since the alleged default.

3. Copies of any communication or documentation sent to credit reporting agencies regarding this debt. 

Your agency is required by law to provide this information and fully comply with the FDCPA regulations. You have Failed to do so and will be considered a violation of my rights, and I will take appropriate measures to address these violations. 

Lack of Verification : Despite my multiple requests for verification of the alleged debt, your agency has failed to provide substantive evidence validating the debt 's authenticity. 

False or Misleading Representations : Your agency has made misleading statements and threats regarding legal actions and negative credit reporting.
Product: Credit card

FIRST PROGRESS ACCT # XXXX DID NOT NOTIFY ME OF THE DEBT IN MY NAME ALSO REFUSED MY FTC REPORTS STATING THAT I DID NOT LIST THE ACCOUNT ON MY FTC REPORT THEY RECIVE MANY REPORTS BUT FAIL TO ACCPECT THAT I WAS A VICTIM OF ID THEFT. VOILATING MY RIGHT I ASK THEM REINVESTAGATED THE DEBT CODES BEEN VIOLATED AND RULES WAS IGNORE WAS NOT PROPERLY NOTIFY OF THE DATE BEFORE ADDING ON MY CREDIT REPORT. WHEN ASK FOR VAILDATIONS THEY SENT ME A STATEMENT OF PRUCHASES I DID NOT MAKE INPROPER DOCUMENTS SHOW ME WHERE I SIGN OR THEY GAVE ME XXXX THEY HAVE YET TO SHOW ME I TOOK OR THEY GAVE ME ANYTHING. THIS COMPANY IS NOT APPLYING THE FRCA RULES FAILING TO REMOVE THE ACCOUNT FROM ALL REPORTING AGENCY XXXX AND XXXX AND XXXX HAS YET TO REMOVE THE INFORMATION.
Product: Debt collection

I received a bill from I.C. Systems in the amount of XXXX on XX/XX/2022, the account number assigned to this bill is XXXX, I do not know who this company is nor do I owe any money, the company told me there is another address on the billing but is not mine and they show a different birthdate then mine
Product: Mortgage

I filled out a mortgage pre-qualification package through USAA during the first week of XXXX. 

After finding my ideal home, signing a contract ( with a closing date of XX/XX/XXXX ), setting up an inspection, and filing all requested paperwork USAA notified me on XX/XX/XXXX, the day before my inspection, that I would be ineligible for a VA loan despite my certificate of eligibility. My date of military separation has been posted on their banking app since opening my checking account through them in XXXX. 

Their reasoning for denying me my loan is due to my inevitible seperation from the military approximately six months after the contract closing date. USAA is also expecting me to have a job offer accepted six months in advance as a work-around to requirements set by them, as a lender. USAA is, however, blaming this requirement on the Dept. of Veterans Affairs despite the VA, as a guarantor, accepting and approving my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my Equifax report I don't suppose to have any late payments data inaccurate with my XXXX  and XXXX  account I disputed the problem but they never fixed it
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding dispute confirmation number XXXX : Your website says the dispute was close XXXX XXXX however, the consumer report I generated on XX/XX/2022 states that a reinvestigation of the account is still in process. The information communicated on your website is inaccurate.
Product: Debt collection

When notified that my XXXX score went down XXXX points I asked XXXX what the problem was.They said that a collection agency named Sequium reported that I owed $ XXXX a purchase made to XXXX XXXX XXXXI went to a XXXX office and they did not have a record of my purchase.When I spoke to Sequium about the purchase they said purchase was sent to XXXX, XXXX, XXXX. That address was also in my XXXX credit report.Never lived in Ca.except on Military duty inXXXXSequium did not have my Florida address.I never received notice from XXXX Nor Sequium.I have not had this resolved.and appears that I still owe this $ XXXXWhen I spoke to Sequium rep they asked if I submitted a police report and I did not.
Product: Credit reporting or other personal consumer reports

This is my fourteenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00}.
Product: Mortgage

Pennymac took XXXX months mortgage payments from my account for the month of XXXX. As a result, my account was overdrawn and my bank charged me overdraft fees. I spoke with more than XXXX Pennymac associates and I was told the money would be refunded in XXXX days. Pennymac did not refund the XXXX extra mortgage payments or pay the overdraft fee.