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

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : 1. XXXX XXXX ACCOUNT # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Debt collection

XXXX XXXX, the supervisor at SRA Associates threatened me directly in regards to my auto loan. I have been fighting this with XXXX, but agreed to pay $ XXXX/mo in the meanwhile. XXXX would not accept the payment and proceeded to tell me multiple times in the call " you will see what XXXX is capable of doing to you '', making me feel threatened, vulnerable and extremely uncomfortable. He brought up legal action- whereas they are NOT a law firm but a collection agency.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$910.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I contact TransUnion at XXXX and transunion was unable to verify that they received a dispute from the cfpb how is this possible when cfpb sent me a reply stating transunion is in process of still working on this matter I called XXXX and they refused to transfer me to a USA representative or a supervisor I am sure all calls are being recorded the transunion representative hung up on me without trying to figure out the best resolution
Product: Mortgage

Our mortgage was sold to PHH Mortgage Company last year. We were in the process of modification with the prior company Ocwen. They lost the modification information so we had to start all over again. They reported negatively to the credit bureau on multiple accounts. Now after we finally get things situated, they still don't have the payments updated correctly and it is still effecting my credit score negatively. I have spoken to them several times on behalf of this issue. They are outsourced and very hard to speak to so I also believe there might be something lost in translation at times or the lack of caring for customer service.
Product: Debt collection

GRANT & WEBER INC has been attempting to collect a debt from me from they opened XX/XX/XXXX, representing XXXX AT XXXX XXXX that permanently closed in XXXX two years prior to the alleged debt to be collected. Not only is this a billing mistake but it has also surpassed Texas state statute of limitations according to section 16.004 Texas civil practice and remedies code. The statute of limitations on debt in Texas is four years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continuously and falsely verified this alleged account. Equifax have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late dates from the accounts below : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

ALDOUS AND ASSOCIATES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX Account Number : XXXX RE : Debt Validation Request This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

Please be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 US Code 1692g, that debt validation is requested.

Please provide me with the following information : Documentation that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you.

Please provide me with the original creditor 's name and any supporting documentation.

A signature on an agreement stating that I have agreed to assume the debt.

A copy of the debt agreement, including the principal, interest, and any additional fees charged.

Complete payment history and accounting of all additional charges being assessed Please provide proof that you are licensed to collect in WI along with your license numbers and Registered Agent or Agent of Service.

If your office fails to reply to this debt validation letter within 30 days of receiving it, all instances related to this account if any exist must be immediately deleted and removed from my credit file. Moreover, all future attempts to collect on the said debt must cease. 

I request that all future communications with me be in writing and sent to the address noted in this letter. I will no longer accept telecommunication. 

If you fail to comply with my request, I will consider that as a waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Take any action that could be detrimental to my credit reports during this validation period. I will consult with my legal counsel regarding the suit against you. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. 

Best Regards, XXXX XXXX
Product: Debt collection

I have made repeated attempts via phone and in writing to contact Resurgent Capital Services regarding a lien they have on my residential property. They apparently have purchased the debt from XXXX, but will not disclose any information regarding the debt, like how much I owe, a promissory note, or loan documents. They tell me my account is 'on hold ' when I contact them, I am locked out of the website they recommend I use to get information, and will not discuss this over the phone because it 's 'on hold '. I 'm trying to refinance my mortgage and this lien is preventing me from obtaining the loan. At this point, Resurgent 's lack of response is affecting my personal livelihood and ability to continue to run my business. I am willing to negotiate with Resurgent, but they will not respond or discuss. Either I need to understand the terms behind the lien, or the lien needs to be released immediately to resolve this issue I 'm being held hostage by.
Product: Vehicle loan or lease

I requested the late payments and fees for the account of Capitol One Auto Finance from the months of XX/XX/XXXX- XX/XX/XXXX to be removed. Since XX/XX/XXXX, my former employer suddenly stopped paying me my wages, promising pay but never delivering. As this is my sisters company, she thought she could do what she wanted and continue to not pay me nor my husband, the co-owner of this account our wages for working as XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Because of this, we were forced to stop working in XX/XX/XXXX after XXXX weeks of not getting paid, but still expecting to work. We had to file for unemployment as our saved money was running out. Unfortunately, my sister/XXXX  fraudulently lied about what took place and I had to appeal her statement about me quitting, which delayed my unemployment payments. It took approximately 6 months and in XX/XX/XXXX, I won and finally received my settlement and paid the remaining balance plus 2 months worth of payments to Capital One Auto Finance immediately after receiving settlement. 

I was consistently in contact by phone with Capital One during my financial difficulties, letting them know our circumstances, and maintaining payment arrangements, and paying by phone until we were able to pay fully again. When I noticed the fees and my husbands and my credit began going down drastically, they advised me to file for a credit dispute. Yet, I was denied removal. When I called for an explanation, they told me there was no way for them to remove late payments or fees as it was all automatic and they couldnt change it manually, and even though what had happened was unforeseen, we are still forced to pay an extra {$850.00} in fees and have our credit score remain low.

However, I have recently researched and found out that is not the case and they are able to remove late payments. As a new business owner, I am unable to apply for credit as these late payments are causing denials due to low credit. I am requesting your assistance, and hope you can help this be resolved.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested all fraud alerts and freezes to be removed from my credit report. And it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX will not delete collection account after i have told them constantly this account does not belong to me. 

Professional Debt ME
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I took my phone into XXXX to trade my old phone and get a new one. I was in the store for approximately 3 hours. During this time I was working with an employee who had possession of the phone the entire time I was there. The employee went into the back room with it several times while he was transferring software from the old phone to the new phone. A few days later, I noticed my Cash App account was missing money and saw an unauthorized transaction. The transaction was for {$1000.00}. There was either {$290.00} or {$280.00} left remaining. I attempted to withdraw the balance and called Cash App to complain. I was told that my account was being closed. After calling Cash App again and explaining the situation that fraud had been committed on my account, I was told there was no way to reopen the account. I called Cash App yet again, and was told to create a new Cash App account using a different email address. My daughter attempted to do this and we were still unable to get into Cash App. The person who stole the money also changed the pin on the Cash App account as well. We ( my daughter and I ) called Cash App yet again and this time we were once more given a Complaint number and told that we would hear back in 7-10 business days. Cash App closed the case and then said we could appeal it. On XX/XX/XXXX, we called the bank to see if they could help, and they referred us back to Cash App. Cash App is absolutely no help and outside of the fraudulent activity, which they did not protect us from, also refuses to give money back that remains in the account and clearly does not belong to them. It is Cash App who closed the account and refused to further help in returning the funds which were clearly fraudulently taken, as well as the money that remains which belongs to my mother. 

Thus far we have three Cash App Case Numbers : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized inquiries from my credit report. As a victim of a data breach, these inquiries were not initiated or authorized by me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their immediate removal. 
Unauthorized Inquiries to Be Deleted XXXX. XXXX XXXX o XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX Date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

WHAT HAPPENED?? 
I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XX/XX/2023 {$470.00} XXXX XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I once again reviewed all three of my credit reports from XXXX, XXXX and Transunion to find that I am the victim of identity theft and my information was fraudulently used to apply for car loans and credit cards. There are multiple inquiries from these companies that I am requesting to be deleted immediately. I have already filed an FTC report and a Police Report. 
The credit bureaus are in violation, reporting that these inquiries into these credit applications were determined to be factual, but this is incorrect and they are refusing to remove these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings ; I have inquiry I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.
Product: Credit reporting or other personal consumer reports

My account with 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 paymen t 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 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 card

XXXX co-branded airline credit cards ( XXXX XXXX XXXX XXXX XXXX, Citi XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Visa ) offer free baggage checking to the primary card holder and accompanying passengers. But this benefit does not apply to non-primary cardholders flying alone, though they do possess their own co-branded card with their own name and a linked account number. On at least 2 occasions, my spouse, when traveling alone, was denied free baggage checking, even though she had the appropriate co-branded airline card. this is blatant discrimination against the 'little woman traveling without hubby '. These credit cards issued to by the non-primary cardholder are valid for any purchase around the world but can not be used for the benefit of free baggage checking when the non-primary card holder travels alone on the appropriate airlines. The fees for baggage checking seem to start at {$25.00} or more for each trip and would be even more with minor children traveling often with a woman not accompanied by her husband. I think all such fees should be disallowed and refunded to all spousal passengers who have had to pay for what would have been free if 'hubby ' had also been traveling. I blame both the financial institutions issuing the credit cards and the airlines for coming up with these restrictions. The fact that these restrictions are vaguely mentioned ( " all passengers traveling with you '' ) in the information sent with the credit cards does not make it fair or reasonable. Thank you for your attention to this matter. And I hope the CFPB manages to survive intact despite the desires of those who are so offended by a government agency protecting citizens who are victimized in financial matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX I did not authorize a credit pull
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I wrote to all 3 credit bureaus asking for their method of verification as it pertains to verifying a bankruptcy. Instead of replying to my requests within the required15 days, XXXX, XXXX and Transition, made a decision to ignore the 15 day reply for my MOV request as well they took it upon themselves to update all my credit reports by verifying my bankruptcy and giving my public record a new updated date. I did not request a dispute on my public record, all I had asked for was their MOV. I am aware that the credit bureaus receive their information from third party companies, In XX/XX/XXXX, I placed a security freeze on all of them, including XXXX XXXX. I am quite upset that the credit bureaus lied and told me that they verified my information. How is it, that they can verify my information, if my personal file is frozen? Idid not want to give them the opportunity to change their answer or do anymore damage to my credit file for this unverifiable information. Transunion lists my public record was updatedXXXX, XXXX, lists my public record update as XX/XX/XXXX, XXXX has not updated my public record, but they also have not sent me their MOV  either.