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

I am submitting this CFPB Complaint to you today to dispute an error in my credit report. According to my credit report, I have a late payment on my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act. I need you to fix the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX  Opened XXXX XXXX, XXXX Balance {$23000.00} XXXX, XXXX XXXX Opened XXXX XXXX, XXXX Balance {$530.00}. I would like to request an immediate correction of this error and for my credit report to reflect my accurate payment history. I also request that you notify me in writing of the correction made to my credit report and provide me with a copy of my updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number 1 ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

J 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Mortgage

Same house and floorplan as ours closed last week and based on the closing price value, we would be below the 80 % LTV mark to drop the PMI. Regions acquired my loan 6-12 months ago and stated that since I am requesting an early removal before 5 years, I need 75 %. After providing this information to our lender, and several other lenders, they have informed me that I need 24 months of on time payments ( which I have ) and if the home value continued to go up and meets the 80 %, I can request the PMI to be removed. The language is also in the original closing documents.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These incorrect addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX  XXXX, XXXX, GA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INCORRECT ACCOUNTS ON MY CREDIT REPORTS. I HAVE YET TO RECEIVE ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

INITIAL DISPUTE DATE XX/XX/2022 30 DAY DEMAND DATE XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I requested that the credit bureaus provide the method of verification that they used to verify the bankruptcy and the have been unable to provide this information with numerous request.
Product: Credit reporting or other personal consumer reports

I have several Fraudulent accounts being reported on my credit file that was a result of identity theft. I also have addresses on my report that do not belong to me.
Product: Debt collection

was notified of a debt in my name by FCO collection inwhich they advise me that an apartment have been opened in my name. I advised them that I did not have an apartment in the XXXX Georgia area at any point in time. I asked them to show me a burden of proof of a signed lease showing me being responsible for any monies owed on the lease. This company could not produce that they sent me a lease showing my name listed as an occupant not a responsible party to a lease agreement. They sent me the fraud package to claim this as fraud. I filled out the package along with the police report a lease showing my current address at the time this lease was opened and my drivers license. FCO sent me a denial letter with no justification as to why. They are violating my rights and I will be seeking private counsel as well as alerting the federal trade commission and the attorney generals office. Please investigate this
Product: Credit reporting or other personal consumer reports

I am looking at my credit report today XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, are NOT complete and accurate. they did not provide me with the original contract as requested and the documentation that proves the amount that i allegedly owe with my signature the information is False and inaccurate the date open on my credit account is inaccurate and the payment history. 
And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows le cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash App to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report my account on transition as 30 days late. Account was also disputed on my XXXX report and net credit was able to correct the status as account paid and never late.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within XXXX business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted TransUnion several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required XXXX period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple violations on my credit reports for the GMFS tradeline. I had contacted GMFS to dispute the reporting of my account but they no longer have access to the account information because the service provider had changed. It is still their responsibility to correct the errors. I went a step further and contacted the previous service provider, they have no record of my account. I filed a dispute with the credit bureaus with no success. 

The violations are ; # 1 Inconsistent and incorrect credit reporting. There are different number of late payments across the credit bureaus. This is an FCRA violation pertaining to inaccurate information being reported.

# 2 On 2 of my bureaus, they have failed to report all the prompt payments I had made over the years. This is a violation pertaining to incomplete information being reported. 

Aside from the current issue I have had a pleasant experience with GMFS. I don't want to but if they can not correct the error then I will have to move forward with an FCRA attorney, if it comes to that, we will also pursue punitive damages.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX  business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX states that they do not have an account for me, when they do, I am attaching reporting from XXXX  XXXX, from XXXX. XXXX sent me a letter asking for copies of my social security card and driver 's license. 

XXXX had a major security breach recently, so I am not comfortable sending them copies of my identification, when they already have all my info as demonstrated by them reporting monthly on me. 

TD Bank claims they are not the ones reporting and it is not their account, however, the negative report is under XXXX XXXX and the address is the same address as TD retail card services. I have attached their XXXX page as proof.
Product: Credit reporting or other personal consumer reports

I do not have an account with Calvary Portfolio Services but its listed as collection for {$3700.00} updated as XX/XX/year>. This is inaccurate and it is illegal for my personal info name, social, dob even financial info etc to be shared with them without my written consent. Saw this collection listed on my XXXX credit report and attempted to dispute. They came back and stated it was accurate without providing full/detailed proof of account or where or how they verified it. No full/complete letter of validation shown/given. I have never signed written consent/signature on any account with Calvary Portfolio Services . This is violation of 15 USC 1681. Any consumer who obtains a consumer report from a consumer reporting agency under false pretense or knowingly without a permissible purpose shall be liable to the consumer reporting agency or {$1000.00} whichever is greater. I would like Calvary Portfolio Services to remove all negative reports from all 3 credit bureaus & cease & desist any future reporting or communication with me regarding this debt as I have no knowledge of owing Calvary Portfolio Services anything. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 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 has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 also states a credit reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Product: Bank account or service

Bank of America let me apply for a mortgage for a condominium in XXXX Fl. Fully knowing they were in a legal battle with the Home Owners Association, and we 're not writing any mortgages for this particular property. 
Bank of America charged be {$450.00} to apply. 
There after they B o A told me that the H O A did n't have enough insurance for the units, even though the condominium increased their insurance, even after they had underwritten XXXX mortgages in the corporation of the condominiums. 
They have refused to give me my application fee back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act The list of Accounts below have violated my Federally protected consumer rights to Privacy and Confidentiality under 15 U.S.C 1681 Account # XXXX XXXX  XXXX XXXX XXXX : ( XXXX XXXX XXXX ) Amount {$1800.00} 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent in a letter to requesting Experian to verify a Bankruptcy they are reporting on my credit report. As of XX/XX/2023, I have not been notified of any results into this investigation. According to the FCRA, Credit Bureaus have within 15 days to respond to a consumers request for verification on accounts. Experian has definitely violated my rights as a consumer because it has been 45 days passed the required response time. I requested this Bankruptcy to be verified from Experian because I received a signed and sealed letter from the clerk of courts stating they don't report bankruptcies to any credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the 3 credit reporting agencies multiple times, XXXX, Equifax, XXXX  to please correct the personal information on my account. The have not corrected the inaccurate information they are reporting.

I have called and spoken to several representatives and supervisor and they have not yet corrected my personal information.

I called on XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding my consumer credit report. It has come to my attention that my personal information was exposed in a recent national data breach. Upon reviewing my credit report, I discovered several accounts that I do not recognize or recall authorizing, I've attempted to solve this problem 3 times. Congress states that credit reporting agencies have a grave duty to report complete and accurate information in regard to consumer credit reports. 

To ensure the accuracy and legitimacy of the reported information, I have previously requested validation of the debts associated with these accounts from the credit reporting agencies ( CRAs ). However, to date, I have not received the required documentation or verification substantiating these accounts.

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], specifically : Section 609 ( Disclosure of Information to Consumers ) : I am entitled to all documentation related to the disputed accounts, including the original creditor 's name and verification details.

Section 611 ( Procedure in Case of Disputed Accuracy ) : The CRAs are required to reinvestigate disputed information and remove or correct any unverifiable or inaccurate data within 30 days of my dispute.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692g ( b ) ], I have the right to request debt validation, including evidence that these debts are legitimate and that the reporting entities have the authority to collect or report them. The lack of sufficient validation violates this statute.

As my information has been compromised, I have taken the following steps to protect my identity and resolve this matter : 1. Filed a complaint with the Federal Trade Commission ( FTC ), reference number XXXX. 
XXXX. Attached is a copy of the XXXX XXXX XXXX notification report for your review. 
XXXX. Submitted a certified debt validation request, including proof of delivery # XXXX. 
I urge you to comply with your obligations under the FCRA and FDCPA by : Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the immediate investigation and removal of any unverifiable, inaccurate, or unauthorized information from my consumer credit file.
Product: Student loan

I was in a income repayment plan before Covid and they were also taking my income tax returns and garnishing my wages. When I asked after all the years my loans were being paid with my income tax returns as well as a garnishment they told me nothing was applied that i was only paying interest. After 10 years of income tax being taken at {$2000.00} to XXXX a year nothing was ever applied. I asked for a breakdown of where my payments was going and they can not supply me with that information and now they are telling me they will start to garnish my wages at the end of the month. Help me to please get to the bottom of this. I want to see the payments they took over all these years and where they were applied to. I have been dealing with Navient and now one loan is in default with a collection agency that wants to garnish my salary. I want to start to pay them off except i need the proper paper work with the correct figures. When I go to the XXXX XXXX XXXX located in Texas with a contact number of XXXX, they tell me those garnishments do not get applied to my loans it pays for interest only. Please help Regards XXXX XXXX XXXX
Product: Credit card

For the last XXXX weeks I get an email saying I need to make a payment when I made a payment on XX/XX/2023. They pulled the money for said payment XX/XX/2023. This is after they claim it takes 3 days to take the payment. They are trying to force the late fee and returned check fee and God knows what other fees to be paid immediately. I made a {$50.00} payment ; from the money that was in the account from the beginning of XXXX ; and it was confirmed paid and that left it at {$120.00} left to pay according to their system. Returned check fee is I think {$39.00} and late fee is {$29.00}. When those two are added, they do not add up to {$120.00}. Even when XXXX  add in the payment I made, they do not add up to {$170.00} like they wanted.
Product: Credit reporting

" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : The inquiries are on my credit report which is attached.
Product: Credit reporting or other personal consumer reports

XXXX has reviewed the information from their Bankruptcy Records and determined the data being reported as unverifiable and been removed so therefore why is TransUnion still reporting this bankruptcy on my credit report