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

The alleged account were not mines and identified as identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In the state of Missouri one has the right to bring civil action against anyone including a consumer reporting agency who knowingly fails to correct inaccurate file data, and this is the case here. I have on many occasions requested physical certified documentation of the following disputed accounts inwhich you are reporting but never recieved any thing. I also requested the Method of Verification inwhich I asked for all the investigators information inwhich derived to stating that these accounts been verified. What is this persons name and title, and on what date did this take place?, what hour and what was the Method of communication. If all this can not be provided to me then as written within the laws of the FCRA these accounts shall be removed immediately. The following accounts are : [ 1 ] XXXX XXXX [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXXl [ 4 ] XXXX/ XXXX XXXX  [ 5 ] XXXX XXXX {$2300.00} [ 6 ] XXXX XXXX XXXX   XXXX {$790.00} [ 7 ] XXXX XXXX XXXX {$760.00} [ 8 ] XXXX XXXX   XXXX [ 9 ] XXXX XXXX [ 10 ] XXXX XXXX [ 11 ] XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX  was only 30 Days Past Due when I entered into a Settlement to bring my account from {$3300.00} to a {$0.00} status by executing a settlement. Up to this moment of receiving authorization to proceed with a settlement, I had been in a consumer-initiated balance paydown payment program, with {$59.00} a month that was being paid as agreed and was CURRENT. I was never in collections, and I was never a charge off, because I had been very properly handling my account and actively involved with making sure each month it was being paid on time. As part of my Settlement Offer, I paid my final settlement payment ( # 3 of 3 ) on XX/XX/XXXX for {$760.00}. They then forced my account into a late status on the credit reports due to them taking from XX/XX/XXXX to XX/XX/XXXX to show a payment and a {$0.00} amount. This is not acceptable. 

I have 3 recorded phone calls through XXXX to substantiate my claim as well. 
My Account has never been with any formal collection company AND my account has never been a charge off. I was current throughout this entire process. 

On each separate time that I called XXXX during this settlement and payoff process, I was using the XXXX ADVERTISED PHONE NUMBER readily available on the Internet as XXXX CUSTOMER SERVICE, I spoke directly to a rep that identified herself as a Rep with XXXX XXXX. I have never, and I mean, never, ever, ever been informed that this account is a collection account, and certainly my account has never ever ever been a charge off. As you can see by my documentation from XXXX, this account was not a charge off. 

The Problem is that XXXX has reported to TRANSUNION that I settled / paid in settlement AFTER a charge off/collections. That is 100 % a lie. That is 100 % fraud. 

I also have a CURRENT ( dated today ) screenshot of my XXXX Account, and of my XXXX  credit bureau, because it appears, that XXXX TODAY went to Transunion and ERASED all my prior months of PERFECT payment history of {$59.00} and changed the past 3 months to show a CO for Charge Off which is a Complete Lie. 

My Settlement Payments have been drafted and paid to XXXX XXXX, and presented as XXXX XXXX. 

Please, Attorney General, and CFPB go after these people. I paid them my hard earned money, while I am still unemployed, and this is and never was a charge off, and my account never went to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, XXXX, XXXX, TransUnion Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed onXX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly.
XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Mortgage

Six years ago due to financial difficulty we had to file personal bankruptcy. A repayment plan was established by the court, and we made monthly payments to the Trustee as required. At the same time, we stayed current with our monthly mortgage payments, which were made directly to the bank, and not as part of our payment to the Trustee. 
We completed bankruptcy 8 months ago, and had advised our mortgage holder of this repeatedly, requesting to be removed out of the bankruptcy department in order to receive regular statements reflecting payment due, mortgage payment breakdown in interest and principal, principal balance etc..We were deprived of this information while in bankruptcy having been told we would not receive any statements, as this was a customary bankruptcy procedure from the bank. Upon completion of the bankruptcy program, and with formal discharge from the Trustee, we tried to get out account reinstated to " regular '' statements, but were put off for months by the bank with excuses, such as " we have to confirm it ourselves '', " it should take 2 more weeks '', " we have to escalate it, we do n't know what 's taking so long, we have received all the necessary forms, its just a matter of getting the loan processors to update your account and release your account form bankruptcy '', " your account has to be updated, you made some extra payments which are held in a different account, and the loan processor has to apply them to your principal balance, we are escalating this matter again '' ETC ... .After 8 months we finally were taken out of bankruptcy and received our first " regular '' statement, but upon reviewing it, we found a complete mess..The payments we made were only partially applied to interest and principal balances, some of the funds having vanished without any credit/posting to the account. Also there are additional untitled fees that the representatives have no explanation for. 
Having been 'reinstated '', and out of bankruptcy, at least our latest payment should have been distributed into principal and interest, and clearly reflected/posted to our account. But out of a payment of {$1000.00} only {$980.00} distributed to principal and interest, the rest having vanished without explanation or understanding from even their representatives. The only assurance I got from them is " we will escalate this matter, and get an explanation as to what is happening with your payments, but your account is Current at this time ''. However many of these issues have been going on for months now, without any resolution and at this point we have lost confidence in their ability to correctly and ethically service our mortgage loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything on my credit file has to be 100 % correct. 

On XX/XX/XXXX, I wrote Equifax ( Certified Mail # XXXX XXXX XXXX XXXX XXXX ) asking to investigate the accuracy of this account and if they can not validate its accuracy to please delete it. I received a credit report dated XX/XX/XXXX stating that the account had been verified as correct. 

I then wrote to Equifax on XX/XX/XXXX ( Certified Mail # XXXX XXXX XXXX XXXX XXXX ) asking for a description as to how they arrived at those results. In return, I receive a credit report dated XX/XX/XXXX stating that my personal information was updated and that I may want to furnish that information to my credit grantors. I then received a credit report dated XX/XX/XXXX stating that the disputed information has been verified as accurate. 

Equifax stated that my account was properly investigated but, how is that possible if the open date, date reported, and the date last active is inaccurate. This is grounds for removal and they have also violated my rights under : 15 USC 1681 n ( 1 ) ( a ) for not reporting 100 % accurate information - {$1000.00} 15 USC 1681 Sec 602 A states I have a right to privacy - {$1000.00} 15 USC 1681 Sec 604 a ( 2 ) states a consumer reporting agency can not furnish account information without written permission - {$1000.00} I did not give permission for this account to be furnished on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Experian several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report XXXX, I've called Experian and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX  XXXX XXXX account XXXX {$40.00}, XXXX, account XXXX {$2900.00}, account XXXX {$6900.00}, account XXXX {$3400.00}, account XXXX {$7100.00}. I have even sent copies from XXXX & Experian showing that they deleted items that Experian keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$2400.00}
Product: Mortgage

After XXXX weeks of being unsuccessful with trying to pay my mortgage through the online portal, I discovered through XXXX that there has been a security breach with the loan company/XXXX  XXXX XXXX There has been absolutely no communication from Loancare informing borrowers of this breach, updates, or information on how to move forward to how to actually pay your monthly loan payment. My several attempts to communicate with Loancare have been met with automated messages or being placed on hold until no one picks up your call after an hour. 

I don't know how my personal info could be at risk, how I can move forward to paying my mortgage, or if I will be penalized for a late payment with fees or if my credit will take a hit. I have never missed a payment throughout this lending process. Loancare has not communicated with their borrowers and this is very upsetting to learn about through XXXX, not directly from them. 

https : XXXX
Product: Credit reporting or other personal consumer reports

I was notified by XXXX as of today that my account with Southeast Toyota was charged off on XX/XX/year>2024. On XX/XX/year>2024 I made full payment for the remaining of my balance that Southeast Toyota asked me to pay after my car was totaled. Please remove this charge off off my credit reports immediately.
Product: Credit card or prepaid card

To maintain A-List status with XXXX XXXX, you must either earn XXXX points or fly 25 one way flights. XXXX has a credit card with Chase and there is a marketing promotion that if you sign up for the card and spend {$1000.00} you get XXXX points. The marketing promotion did not clearly specify that these XXXX points would not go towards the A-List status. I checked my account and noticed that the XXXX points were applied to the Companion Pass status, but not to the A-List status. I called XXXX and asked why the points were not applied to the A-List status and their response was that the points only go towards my overall point balance and the Companion Pass status. I explained to them that this was not clearly stated in the promotional material that I received and had I known this, then I would not have signed up for the card. I signed up for the card because I wanted to use the XXXX points to maintain my A-List status for next year and knew that I would not be flying 25 one way flights this year. I found the marketing material to be very deceptive and am certain that I would not have signed up for the card had I known that the XXXX points would not count towards my A-List status.
Product: Payday loan, title loan, or personal loan

I sent extra payments in an effort to pay the loan off early. The payments were not consistently processed in a timely fashion. The interest/principal allocation does not appear to be consistent with the loan agreement. I have asked for my account to be reviewed to ensure proper allocation of ALL of my payments. On or around XX/XX/2023, my credit card was no longer being charged the monthly payment. I have been receiving paper payment requests via USPS even though the loan agreement REQUIRED automatic payments. I even received at least one telephone call attempting to collect on the debt. Dates for phone calls include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The call attempting to collect on the debt was on XX/XX/XXXX XXXX XXXX When I asked for the account review, there was a third party contractor working for Medplan Credit I was speaking with. I was told that my concerns would be forwarded to senior management and I could expect a call. I received no such call. There was even one month when the payment was refunded to my credit card for some unknown reason.
Product: Money transfer, virtual currency, or money service

To whom it may concern I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Mortgage

A XXXX  removal request was made in XXXX and XXXX. The company keeps indicating that we have made late payments and we have not. We finally got a hold of someone and they sent an appraiser out to our home in XX/XX/XXXX. The appraiser indicated that the appraisal would take 2 weeks. It's been almost 3 months and no one at GMFS can give us a response and they can not find an appraisal.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided | demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

Approximately 3 months ago I began receiving texts from Radius Global Solutions telling me to contact them. I had never heard of the company and I thought it was a scam, so I ignored these texts. A couple of days ago, I received an email from XXXX saying my SSN was on the dark web, so I checked my credit reports and found this Radius Global Solutions on all 3 of my credit reports as a Collections Account with the original creditor listed as XXXX XXXX. I have not done any business with XXXX XXXX. My phone is through XXXX and my internet is with XXXX as well. I had a brief time 2 years ago when I had internet with XXXX. 
I also found wrong addresses on my credit report. On both XXXX and XXXX there was an address in XXXX XXXX XXXX ( when I tried to put in a dispute online about the address it wouldn't let me because that was an address used by Radius Global Solutions ). And on XXXX, there was also an address in XXXXXXXX XXXX. I have never lived in either of these places nor do I know anyone that lives in these places. 
This debt is not mine. I don't know if my Identity has been stolen or if there has been a some other mistake made.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or DELETE the following accounts : XXXX XXXX XXXX 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: Checking or savings account

I have been calling and met with IRS in person. IRS is requesting to send proof of letter saying that " IRS is requesting {$7000.00} to Fifthird Bank. '' As they don't have anyformations, Fifthird is resposible for tracking and getting the information where the money is. 
I need the refund asap and will have to take action on their lack of responsibilities and will have to pay for it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported in to be removed.

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. 


XXXX XXXX XXXX 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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This collection account has an OPEN status and that is a violation, because a collection is by default a closed account. Delete this account due to inaccurate reporting.