23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX XXXX This account : 1. Was opened XX/XX/2015 2. Was closed in XX/XX/2015 XXXX. Has an Inaccurate Pay status, it should be Paid/Closed XXXX Balance 4. Is missing its balance history for the duration of the time the account had been open 5. Is missing Payment Data for the duration of the time the account had been open 6. Has erroneous comments added - to this and almost all of my accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the recent reinsertion of accounts into my credit report without providing me with the legally required notice under the Fair Credit Reporting Act ( FCRA ). Specifically, Section 611 ( a ) ( 5 ) ( B ) of the FCRA mandates that if an item is reinserted into a consumers credit file after deletion, the consumer must be notified in writing within five business days of the reinsertion.

To date, I have received no such notice, which constitutes a clear violation of federal law. This failure to comply with FCRA regulations is unacceptable and has prompted me to file a formal complaint with the Better Business Bureau ( BBB ).

The reinsertion of these accounts has caused undue stress and potential harm to my credit profile, which directly impacts my financial stability. I demand that TransUnion : 1. Provide documentation detailing the reinsertion process and proof that the accounts in question meet the criteria for reinsertion under the FCRA.

2. Immediately remove any reinserted accounts that were added without following the proper legal procedures.

3. Confirm in writing that my file has been corrected and that no further reinsertions will occur without full compliance with the FCRA.

Failure to resolve this matter promptly may result in additional complaints to regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ), and further legal action. 
Listed below are the Accounts & Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect a response within the timeframe outlined under the FCRA and look forward to your swift resolution of this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NAVY FCU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and NAVY FCU with no successful resolution. There was definitely an error on their part.
Product: Vehicle loan or lease

On XX/XX/2022, I went to the Wells Fargo bank and also called them to pay my delay in the payment of the vehicle and they denied me to make any payment that only accepted the full payment of the loan or a 4-month plan to pay the total of the loan and that is practically impossible for me I had financial problems due to stress because my children were infected with XXXX XXXXXXXX and missed work and then I got sick with stress and I had to pause for my work already now I got a very good job that already in 2 weeks I start and the payment will no longer be a problem I totally agree to pay what should be delayed in the monthly payments and catch up but they do not want to accept I hope and they can help me since if I lose the vehicle it becomes more difficult for me to go to work thank you
Product: Debt collection

Receivable management collections placed a collections account on my credit report for {$310.00}. This is fraudulent and not my account I need to have it removed as soon as possible
Product: Vehicle loan or lease

I RE-FINANCED LOAN WITH OTHER LENDER AND WAS TOLD OF CHASE HAS MIS REPORTING ACCOUNT REFLECTING 990 % DEBT. THEY ALSO FAILED REMOVE ALL LATE FEES AND CHARGES SINCE CIVID 19 AS PROMISED SEVERAL TIMES ALL SHOULD BE REPORTING PAID IN FULL NEVER LATE-CLOSED AS OF XX/XX/2020.
Product: Debt collection

I noticed a negative collection account on my credit report on about XX/XX/2018 .the debt  collection company name is Grant & Webber . The amount they claim i owe is $ XXXXI do not recognize this amount, company or services this company claims i owe. After unsuccessful attempts to contact this company via telephone, i wrote them a letter and sent it via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The letter informed this company that i have no knowledge of this debt and that i am certain they are making a mistake. I further asked for any proof, validation, agreement or contract verifying i asked for or purchased whatever they claim i relieved that has me owing {$13000.00}. They responded with a copy of an invoice for some type of medical procedure by a Doctor i have never heard of or received any treatment from.The typed invoice was made to a name similar to mine however not my exact name. At no time did they provide a contract or request for service agreement with my name or signature on it. I responded in writing demanding they either give me proof, verification and validation that this debt is mine other than a basic generated invoice they created. I never received a response. I disputed this issue with XXXX  credit and was simply told that this company certified that i owed the money however that XXXX did not require them to submit any proof that it is my debt.This company has been negatively affecting my credit profile and refuses to respond to my request.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report To : Equifax Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

I recently reviewed my credit report and noticed an account that was not reporting accurately. Specifically, I had 1 late payments on an account ( XXXXXXXX XXXX XXXXXXXX ) that, in fact, were paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has never been late on payments. 

I have attached a copy of my report highlighting the disputed payments on the following dates : ( XX/XX/2023 ). I kindly request that you investigate this account and update the payments to " paid on time '' immediately. Thank you for your understanding and prompt action. 

Additionally, I request that you provide a description of the procedure used to investigate and verify this account. If you can not update the payment status to reflect " on time, '' please provide the required documentation and explanation. 

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

I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms. 

Per 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between the consumer ( me ) and the entity ( you ) making the report. Payment history, including the reported late payments, negatively impacts my consumer report and is considered part of my transactions and experiences with your company.

Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 U.S.C. 1666 ( b ) ] that you have adopted to ensure that each
periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.
Product: Credit reporting or other personal consumer reports

For EQUIFAX. The following companies have fraudulently opened hard inquiries on my credit profile without my consent. I have spent weeks trying to figure out why I keep getting inquiries and this is because of identity theft. None of these companies will respond to me and they can not verify it was me that opened them. I have already contacted the police and I will contact my lawyer if this is not fixed. I need these inquiries to immediately be removed from my credit report. This is extremely urgent as I am purchasing a house for my family and this fraud is hurting me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely Experian and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
Product: Credit reporting

Hi Recently i have received my credit report and there 's an address i have never lived in. 
the address is : XXXX , NV XXXX
Product: Debt collection

I was a victim of identity theft and noticed a collection from HUNTER WAR FIELD I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against HUNTER WARFIELD in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Product: Checking or savings account

I opened a checking account with Citizens and made an initial deposit, the account was approved. I moved my direct deposit over and when it cleared today I tried to log into to access it. After an hour on the phone I was told that my account was under review, they can't give me any details and my funds are locked. I need access to my paycheck. XXXX XXXX is the only person at Citizens who would give me his name.
Product: Checking or savings account

On XX/XX/XXXX I went to XX/XX/XXXX to purchase a couple of things at about XXXX XXXX  and from there I went straight home. The next morning I had notifications from chime about some charges that were made to my account after I was home. I checked my wallet and my debit card was not there. ( The charges were as follows ; XXXX on XX/XX/XXXX for XXXX aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I immediately called Chime to let know that my debit card has been lost/stolen the night before and to flag the transactions that occured after I was already at home for the night. Within 24 hours they already had emailed me saying they denied my claim to have these fraudulent charges reversed and don't see any error had occurred. I was shocked that this was the conclusion they had come to for what reason I don't know. The claim number is XXXX. I have re-opened this claim over and over just for them to keep denying it. I've given them a detailed letter explaining the events that took place that night and a copy of the police report I filed. I have asked them to send me what information they used to make their decision on and have only received an intake form from when this was reported to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days and the creditor never updated information or provided proof or documentation in regards to the late payment marked on my account. According to federal law if they fail to provide this information and complete the investigation in 30 days this information should be deleted from my account as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reported accurately, i had one late payments on an account that i was in fact paid on time. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) l 'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted by ( certified mail via USPS ) Experian and have not had this issue resolved. In accordance with the Fair Credit Reporting Act, everything reported has to be 100 % accurate on a credit report. Experian is reporting addresses that are not accurate or relevant. I did not give Experian permissible purpose to report false and inaccurate information on my credit report. I can not receive mail or any correspondence nor do I have access to any of these addresses. Experian is reporting inaccurate account numbers and reporting collection accounts as " late ''. When I cross checked my credit reports the account numbers are different across all of the agencies. In my certified Letter I requested the original contract to show proof the accounts were valid. All i received was a letter saying the accounts were verified and none of the request made in the letter. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My rights have been violated under 15 USC 1681 section 602A, which states I have the right to privacy and under 15 USC 1681 Section 2 which states a consumer reporting agency may NOT furnish a credit report without the consumers written permission. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX ) has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. 

I would like compensation for the various violations on my credit report for this has had an adverse affect on my ability to obtain credit. For this i should be compensated do to their fraud and negligence. An example should be made so that no other consumer rights are violated. This is a serious matter and should be rectified asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$400.00}
Product: Vehicle loan or lease

I had a payment due on XX/XX/2022 I made the payment like I always do using the account I always use with plenty of money in the account to cover the payment on XX/XX/2022 and it somehow got kicked back and I got no notice of the payment getting returned until XXXX XXXX showed me that my credit score went down significantly because of the missed payment I reached out to XXXX XXXX XXXX and can not get through due to a higher than usual call volume and keep getting disconnected before I get to talk to anyone. Ive since made the XXXX and XXXX payment because thats all the website would let me do
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax, XXXX and XXXX has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I got letter from XXXX about a dispute account : XXXX XXXX XXXX XXXX for XXXX that account show on my report they sent me today ( XX/XX/2018. The letter said we have reviewed your concerns and our conclusions are : The disputed account XXXX XXXX XXXX XXXX XXXX is currently not reporting on the XXXX credit file. 

How is that????
Product: Credit card

I have a Best Buy credit card and made a purchase on a " no interest for XX months '' promotion that expires in XXXX. There is only a small balance left on this promotion. I realized this month that the total balance shown on my monthly statement does not include this outstanding promotional balance. So for several months, I have been paying my balance in full - I thought - but in reality I have only been paying for the last month 's purchases, and my promotional balance has not been paid. I think this is incredibly misleading - my " account balance '' should reflect my entire balance. I should not need to carefully read through my entire statement to find a separate promotional balance.
Product: Vehicle loan or lease

Car was repossessed company is trying to sue me almost two years later American accredited loan which is not even the name of the original Company that i took the loan from when i got the vehicle! I was making payments then stopped due to losing job! The month i was going to pay literally night before since i had started a new job was going to pay that morning i awoke and car was gone called to see if i could make the payment to get the car back they told me no! Which the car had to had just been taken since i got home late the night before from work so they didnt have it for not even a few hours! And now apparently i have to appear in court!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I was never late on this payment. They accepted my payment then illegally charged it off. You can't legally write off an account and take my money. 

This account must be removed from my credit report or I will have to report this activity to IRS.
Product: Mortgage

Nationstar Mortgage has not correctly credited the payments that I have made. Now they are charging me late charges due to an error that they made on XXXX XXXX, 2015. I need to get this taken care of now before I lose my home. Please help.
Product: Credit card

Bank of America overburdens consumers with additional information requests when customers dispute a charge on their credit card account and at the same time Bank of America refuses to provide any evidence that the customer had approved a charge in question. 

Earlier this year I had disputed a charge on my Bank of America credit card from a merchant who has not delivered the item that I had ordered and delivered a different item instead. Instead of properly investigating the issue, Bank of America overburdened me with requests for additional information and refused to accept the description of the issue that I had provided originally. In addition to that when I had requested a proof of my approval of the transaction in question, Bank of America has not done anything to request that.
Product: Credit reporting or other personal consumer reports

They are using my for information illegally by reporting my information to companys by law 15 U.S. Code of 1666b timing of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage Company Nationstar/Mr. Cooper stopped reporting my mortgage to the 3 credit reporting agencies about 5 years ago. I was unaware of this until XXXX of XXXX. Upon seeing this I immediately contacted them to have this issue corrected, which to date has not been done, I XXXX of this year I spent several hours on the phone with Mr. Cooper ( that's what they are calling them selves now ) telling me that the credit reporting agencies made the request that they stop reporting, and told me that I need to send them Mr. Cooper a letter requesting that my mortgage be reported. I did this on XX/XX/XXXX. Finding this scenario a little odd I called XXXX, XXXX and XXXX and inquired why they would request that Mr. Cooper stop reporting my mortgage, and surprise, surprise it was Mr. Cooper that made the request. I received a letter from Mr. Cooper stating that a request was sent to the 3 reporting agencies asking them to add it back to the tradeline. Well as of today XXXX XXXX this has not been done. I know this because I called all 3 and none of them have any request regarding the adding of my mortgage, they all have told me that I had a mortgage reported at on time but Nationstar requested it be dropped. I then spent another hour and a half om the phone with Mr. Cooper only to be told that 1 I needed to ask the reporting agencies to request it be added ( which I know is incorrect because I asked them to contact Mr. Cooper and was told in no uncertain terms that's not the way it works ), then was told no I was wrong the request was sent, despite the fact I now know it wasn't. Then was told it would have to go back to research to find out what the problem is, and that could take 30 to 60 days, and this was told to me by the escalation department. I do not understand why when I know that according to FRCA that they are required to report this why I am having to fight to get this done, Please help.