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

This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this account was ever late. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX .... violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 

Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX through Bankruptcy XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Deposit Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$98.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Account history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are not researching and properly reporting that the following accounts listed are in fact in dispute. These accounts are : XXXX XXXX partial account number XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX - XXXX ; XXXX XXXX   XXXX XXXX and XXXX  - XXXX. ( Please see attached pages from my credit report. ) All of the accounts listed above are reporting account not disputed on my credit report. I have requested multiple times that these accounts be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in fact in dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor : XXXX  XXXX Account Number : XXXX Date of Charge-Off : XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

I have several unauthorized hard inquiries on my credit report from Transunion that need to be removed. These have caused me to not be able to receive the credit that is rightfully mine and that I need to live, therefore this has caused hardship in my life. The credit is rightfully mine to receive, and having been denied MY OWN credit because of my credit score ( namely, because of the score being too low because of these hard inquiries ) is discrimination.
Product: Credit reporting

TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX File No. XXXX ATTN : Legal Department Recently while conducting a monitor of my credit report I discovered that items were furnished that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the XXXX law [ XXXX ACT OF 1996 ], to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and XXXX authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until debt has been validated by me. 
4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, XXXX XXXX XXXX ) ACCT. BAL : {$140.00} 2. ACCT. NAME : XXXX XXXX XXXX XXXX XXXX ) ACCT. BAL : {$670.00} 3. ACCT. NAME : XXXX XXXX XXXX XXXX XXXX ) ACCT. BAL : XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, my husband cashed a check for {$3500.00} from a financial company, XXXX XXXX, that was made out to me, without my knowledge. He received the check in the mail as per their marketing. The check was in my name, but he had no problem cashing it, even though on the check it says you need two forms of ID. He even forged my signature on the back. 

The company says that I am responsible for the amount because it was my husband who cashed it. 

It is unacceptable that it was so easy for him to cash that check. I should not be held responsible for his actions. 

The only way that I found out about it, was that XXXX XXXX sent a letter to me in XXXX saying that payment was past due! I called them and they told me that sure enough, someone had cashed a check that they had sent in the mail. But because I knew the person who had cashed it, they could do nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  with account number XXXX  is reporting my account on Experian as Foreclosure proceedings started as of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

But then they also list the account as 180 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX.

This is not accurate. They are listing foreclosure proceedings and then 180 days late in the same months.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on myXX/XX/XXXXaccount [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Student loan

Edfinancial has prevented me from paying my loans and I have been unable to make any sort of contact over the phone with them as their phonelines are programmed to simply hang up due to " high call volumes ''. 

I enrolled in autopay on XX/XX/2023 and again on XX/XX/2023. 
I have also manually submitted payments which were also made on XX/XX/2023 and XX/XX/2023. 
( See attached documents. ) None of the above actions that have been made on my account with edfinancial have been honored despite being sent confirmation emails that the actions were performed. Autopay was never performed and payments were reversed without any notice or explanation. 
( Confirmation emails are also attached. ) With this, my interest rate reduction for my enrollment in autopay has not been honored either. Per the terms of my loan my interest has been accruing daily on a greater amount due to the lack of succesfull payments, AND at a higher interest rate than it should due to the auto pay not being honored. 

In addition to this I am now showing a missed payment from XX/XX/2023 that was supposed to be automatically pulled with the autopay which still has not been functional. 

As it stands I am being forced into greater debt due to what seems to be predatory and malicious noncompliance by Edfinancial Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

GLOBAL LENDING SERVICE pulled my credit without my knowledge on XX/XX/2020 and, XX/XX/2020,.
Product: Credit card or prepaid card

After having a Citi Bank credit card account for over a year, the company has repeatedly switched my billing to paperless billing without my consent. They then charge a late fee because I have not paid my bill on time, which I did not receive in the form that I require. After contacting the company and requesting paper billing now the second time, they will not waive my late fee for a missed payment, and my credit score has suffered because of it. The most recent case of this happened with my account in XXXX, when they changed my account to paperless billing, and recently marked my account overdue by over 30 days. I called to resolve it on XX/XX/XXXX by paying the balance. The balance was {$43.00}, and they refuse to waive my late fee because they had previously waived a late fee within the last 12 months. The prior late fee that was previously waived was for the exact same thing, when they enrolled me without my consent in paperless billing. This is the second time this is happened, and when I inquired how this keeps happening in the creditor explained, that if I see any information on their website regarding paperless billing and do not scroll to the bottom far right corner of the box and click no thank you, but I am automatically enrolled in paperless billing from that date forward. I explained to her that that seemed a rather subversive way to enroll people in something they do not agree to because I have it on my file showing that I explicitly do not want paperless billing. The creditor explained that if I see any information on their website regarding paperless billing and do not scroll to the bottom far right corner of the box and click no thank you, that I am automatically enrolled in paperless billing from that date forward. I explained to her that that seemed a rather subversive way to enroll people in something they do not agree to, because I have it on my file showing that I explicitly do not want to enroll in paperless billing.
Product: Mortgage

I applied for a mortgage loan with Regions Mortgage in XX/XX/2021. I was approved for a mortgage loan and began looking for a home with my realtor XXXX XXXX XXXX. Once we were under contract for a home I was told we could close on my home before XXXX. That date was pushed back to XX/XX/XXXX. I explained that I needed to close before the XXXX so that I would not have to pay mortgage in XXXX. The closing got pushed back to XX/XX/XXXX due to error from my loan XXXX XXXX XXXX. The reasoning for pushing the closing back is in the email that is attached to this complaint. After talking to my realtor this is not the first time XXXX XXXX has done this. Now it seems like this is on purpose.
Product: Debt collection

A message was left on my cellphone, my husband 's cellphone, and my work phone by a XXXX informing me that she had legal documents with my name and social security number and that I would be served at my home or job within 2 days if I did not contact them immediately at XXXX and reference case #. At the end of the message she stated " you have been served ''. I called the # and spoke with XXXX XXXX who said if I did n't take care of the debt {$510.00} immediately, I would be sued and would have 25 % of my wages garnished costing me as much as {$3500.00} and advised me that I needed to take care of it by giving him my debit card information to enter into an agreement to prevent being served/sued. He also represented himself as being authorized by the state of Tennessee to notify me of my rights and make sure that things were being handled legally.
Product: Checking or savings account

On XX/XX/2019, I deposited a check made to my wife for {$3100.00}. Bank of America put a 9 day hold on the check and will not tell me why. We have been banking with them for 35 years and have never had a hold put on before. There have been zero issue on our end with the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX has violated my federally protected Consumer Rights to Privacy and Confidentiality. 

15 U.S.C. 1681 A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 90 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit reporting or other personal consumer reports

I am writing to formally request a detailed description of the investigation process followed by your agency regarding the disputed account listed below. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation procedure within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : Account Name and Account Number : XXXX XXXX XXXXXXXX I kindly request that you provide a full description of the procedure used to investigate and verify the accuracy of this account. If you are unable to delete this account immediately, please furnish the required information detailing your investigation and verification processes. 

I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

Thank you for your cooperation. 

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

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Debt collection

Attn : Customer Relations Department XX/XX/XXXX Re : Request to describe method of verification To Whom It May Concern : I am writing to request the method of verification for a dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this message. 

Re : LVNV Funding Please send the following information used to verify the validity of my {$18000.00} balance with you guys.

1. The person 's name they verified the dispute with 2. The documentation used to verify the dispute 3. Purchase agreement between the original creditor & LVNV Funding 4. Signed purchase agreement between me & LVNV Funding According to the supporting documents you guys submitted through the CFPB, the original contract appears to have several inaccuracies. Starting with the processed payments to the original creditor vs. the remaining balance you guys have listed. COMPLETELY INACCURATE. Attached you will see where I circled majority of the inaccuracies. Mostly date & payment errors. Please respond in a timely manner with not only a reason but supporting documents as well.

Please explain how it was a {$19000.00} loan where an estimated {$2400.00} worth of payments were paid, & the closing/remaining balance is {$18000.00}. Makes no sense, if you adhere to the payment sheet attached to the original contract sent to me by Resurgent, youll see exactly what Im talking about. The last know balance after my last payment was NOT {$18000.00}. Therefore this debt is completely inaccurate & illegally being reported to my credit report. The balance is incorrect & there are a ton of inaccuracies with the payments & dates. Please have this removed from my credit report immediately until further notice.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

I expect a response in 15 days or less, Please & Thank You. If no responses or supporting documents are able to be provided as requested, Id like this removed from my credit immediately. Please do not resend any of the original documents you already forwarded. I am requesting new documents to support the initial documents resurgent fwd through CFPB to me. Documents such as the purchase agreement between LVNV Funding/Resurgent & XXXX XXXX XXXX As well as the signed agreement between Me & LVNV Funding. 


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

My credit report shows inaccurate and unverified inquiries from multiple sources. 
I have reported the issue to Equifax on XX/XX/2020 via phone and XX/XX/2020 via certified mail. Equifax has not validated the inquiries and/or removed them. Equifax is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX