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

Hello there are accounts and inaccuracies on my credit report. I reviewed all 3 reports and when I noticed the issues I reached out to XXXX, Experian, and XXXX. I sent a total of XXXX letters letting them know of my request for correction and deletion. Not only have they not done this they continue to send me a computerized response of validation. I am the sole " person '' that can validate anything on my credit file per 15 USC 1692 ( g ). I am also the one who must give my written consent giving the credit reporting agencies authorization to furnish my credit report in the first place per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. The consumer law violations are overflowing at this moment and this is my last attempt before the courts are involved and my invoice for monetary payment is mailed. I am fully aware that NO court system provides any type of court filing of bankruptcy or record also. Where are you actually getting the record from and what authority do you have to give that information? I haven't even filed BANKRUPTCY but yet there's one on my credit file I have to fight to get off when law says I have the right to get anything off of my report.
Product: Checking or savings account

Received new checks for XXXX accounts the same day, never opened the accounts. Called the fraud department, said they took care of it but not comfortable with the explanation. Only way they would agree to give information was if I provided my SSN to a credit reporting company. 

Received a text the day before RE : the account but ignored.
Product: Credit reporting or other personal consumer reports

I was a victim of a data breach. I was advised to review my credit report. After reviewing Transunion I noticed fraud reporting. I contacted Transunion to dispute information. I contacted the creditors same day I disputed. I disputed with companies and requested validation of debt. I also contacted XXXX original creditor and they sent a letter acknowledging it was fraud and it would be deleted. I was also advised to fill out FTC report. Now I'm routed to the CFPB.
Product: Credit reporting or other personal consumer reports

My account with 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 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXXXXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have repeatedly sent out complaints about XXXX collection agency. Texas requires all collection agencies attempting to collect debt or reporting on consumer reports to have a surety bond on file with the secretary of the state of Texas. XXXX ( XXXX XXXX XXXX ) does not have an active surety bond filed. The results of my complaint are on file with the XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) is the company filing on my credit file. I Have Filed a complaint with the XXXX XXXX XXXX Of Ohio, as well. I have also filed a fraud complaint with the attorney general of Texas, after a follow up call with the XXXX XXXX   XXXX of Texas. All of these actions have taken place between XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/1980 SS # : XXXX To Whom It May Concern, I am writing to file a formal complaint regarding inaccuracies in my credit report that have been causing substantial harm to my creditworthiness and overall financial standing. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated due to the following inaccuracies : XXXX. **Creditor : XXXX XXXX XXXX XXXX : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

Violation : **Inaccurate Reporting - Violation of FCRA Section 623 ( a ) ( 1 ) ( A ) : ** The information reported by " XXXX XXXX XXXX indicates that my account with account number XXXX has not been paid on time. To the best of my knowledge, this is a gross misrepresentation of my payment history. I have diligently met my obligations and made timely payments for this account. 

Reporting Information After Knowing It's Inaccurate - Violation of FCRA Section 623 ( a ) ( 1 ) ( C ) : Despite my attempts to rectify this situation, " XXXX XXXX  '' has persisted in reporting inaccurate information regarding late payments. Their continued reporting of false information demonstrates a blatant disregard for the truth. 

Personal Story : The distress caused by these inaccuracies extends beyond financial matters. I have been working diligently to secure a better future for my family, including purchasing a home. However, due to the unjust negative reporting by multiple creditors, my credit score is lower than it should be. This has put our plans on hold, causing XXXX XXXX XXXX XXXX, and financial difficulties. 

In light of the violations outlined above, I implore the Consumer Financial Protection Bureau to enforce legal action against the aforementioned creditors for these violations and demand immediate corrective actions : 1. Update the account information to accurately reflect my payment history.

2. Delete the inaccurate information that is severely affecting my credit score. 

I respectfully request your urgent attention to this matter. Your intervention could provide relief and help rectify the damage caused to my credit report. 

Thank you for your consideration. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was phished by the spammer, XXXX, when I knew that my flight from XXXX to XXXX was canceled by XXXX XXXX XXXX XXXX XXXX for " mechanic reasons '' one day before the flight date. I was in panic mode and googled XXXX costumer service. The phishing number from XXXX popped up on the top of the XXXX list. I called the number and " XXXX '' pretended that he is XXXX representative. He got my Discovery Card information and associated personal information over during the conversation and charged me {$3400.00} for " changing/rebooking '' my original XXXX flight tickets that were booked from XXXX. After the conversation with " XXXX '', I called XXXX with the number from my original ticket to complaining the " charge ''. XXXX representative told me that it should be free for changing the ticket for cancelling ticket due to the XXXX reason. Soon XXXX sent me the new e-tickets and showed it is free charge. Meanwhile, " XXXX '' sent me the email to ask me to reply with " agree '' to pay the charge. I refused. I traveled backed home two weeks later and found the charge on my Discover Card ( DC ). I called DC for disputing the charge for {$3400.00}. After several rounds of disputes with all evidences including the emails, my XXXX tickets, complaints from public domains for spammer ticketsupportdesk.com, XXXX service number and Business-class number that DC can call to confirm the free charges for rebooking the my tickets, etc. I provided to DC, DC still insisted that I should pay the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am well aware of my rights as a consumer. I've reached out to this company several times regarding incorrect information within my credit file that means that they are reporting inaccurate information, I have no knowledge of these accounts being reported It should be noted to me an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access. but it was done through fraudulent means, it is not a factual record As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquires are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify. meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.
Product: Debt collection

XXXX XXXX with Atlantic Recovery Solutions calling from XXXX trying to collect a debt from a Mastercard unbeknownst to me. 2 years ago all of my information was apprehended and used to try and file taxes in my name, to make matters worse my phone number has been tied to 3 online breaches in the same year. Since then these calls have become more rampant and I am trying to dispute errors on my credit reports. He has now resorted to calling my husband which is definitely not okay. The second number I listed is the number he called and left a message at today. I would like this to stop.
Product: Mortgage

My mortgage had an escrow analysis XX/XX/XXXX based off the incorrect tax amount. I was told about this change in XX/XX/XXXX. My payment went from {$950.00} to over {$1400.00}. I went to my Controller office and they said the exemption fell off. They corrected the error and once I received the Certificate of Error I gave it to Loan Care. Ive called twice a week to have the escrow analysis update. No one is willing to help me. Ive been told no one speaks to that department not even the customer service reps. I would like for someone to resolve this conflict with XXXX and/or Loancare. I paid the agree payment of {$950.00} every month even during the entire forbearance period. This ends on XX/XX/XXXX now they are saying I am in the hole for {$10000.00} and the options they are giving me is to refinance or 2nd mortgage. They are offering this based off a false number. My taxes didnt change and the escrow analysis department refuses to make the corrections. I need someone to effectively explain to me how and why this happened.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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

Under federal law, they have XXXX ( XXXX ) days to complete there investigation. Please note that I have also requested the description of the procedure used to determine the accuracy and completeness of the information, which should be provided within fifteen ( 15 ) days after the investigation is finished.

I have disputed this matter on multiple occasions, and in each instance, they have failed to conduct a thorough investigation. There actions are in violation of the laws outlined in Section 611 ( a ) ( 1 ) ( A ), as you have neglected to provide the required method of verification as stated in Section 611 ( a ) ( 7 ). Furthermore, theyvare also in violation of Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by not promptly removing all unverified reporting.

I assume you are familiar with the provisions of the Fair Debt Collection Practices Act ( FDCPA ). To remind you of what constitutes legal validation, please find below a list of the necessary documentation : * Complete payment history, as established by XXXX v XXXX, XXXX XXXX XXXX, XXXX  XXXX. XXXX. XXXX  XXXX. 
* XXXX by line item, including an explanation for each item such as the purchase date, item cost, receipt of goods, and dates of receipt. 
* Date of Last Activity. 
* My full, complete, and correct social security number for identification purposes. 
* Agreement bearing the alleged debtor 's signature, wherein they agreed to pay the original creditor. 
* The obligation between me and the creditor that authorizes them to collect the alleged debt, along with any relevant transactions binding me to an agreement to pay their company. 
* Proof of photo identification ( e.g., driver 's license, state card, or other government-issued ID ) presented at the time of purchase. 
Furthermore, They have also violated numerous laws of the FCRA and FDCPA, including but not limited to : * 15 U.S. CODE 1692 ( B ) ( 4 ) * 15 U.S. CODE 1692 ( G ) * 15 U.S. CODE 1692 ( D ) * 15 U.S. CODE 1692 ( F ) They have also violated 15 U.S. Code 1681, which pertains to civil liability for willful noncompliance, and 15 U.S. Code 16810, which addresses civil liability for negligent noncompliance.
Product: Consumer Loan

My name is XXXX XXXX, and in 2008 I purchased a 2008 XXXX XXXX XXXX pickup truck. The company approved me for a loan to get the pickup ( the company is in Texas ). Yesterday, a collections company called me, and a very demanding woman told me to pay her a loan that I owe her for XXXX more [ XXXX ], I think its perfect I pay them that amount. [ XXXX ] Please, make them pay me the available credit of {$18000.00} more. [ XXXX ] If they engage in vandalism and steal from everybody, they should pay that loan that they stole from me in credit ... [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian all have and account originally owned by XXXX XXXX the account was bought by XXXX XXXX company. I started a complaint in XX/XX/XXXX to have this account removed first it was reaged by the company stating the account was delinquent the day they purchased it from XXXX which was in XXXX now showing XXXX on my credit report all this is incorrect the account was closed with XXXX XX/XX/XXXX and was actually paid out with my state tax in filing year XXXX but this company is pursuing a collection from me, for money that was paid Direct from my tax return to XXXX so this should be removed all together for the illegal reaging and the fact that funds were sent to XXXX  for this debt. Also XXXX  XXXX XXXX is another account that went delinquent in XXXX as reported by XXXX in a dispute I file with them about the collection agency that purchased the account this agency was allowed to alter the dates as well to show a more recent delinquency and collection date to hinder my credit XXXX purchased this account XXXX and was allowed to alter the dates to show that date not the XXXX date that the original creditor reported to the 3 credit bureaus the 3 credit bureaus have continued to uphold the creditors side of this issue totally ignoring FCRA standards and the illegal practices of creditors to continue to change dates on old debts monthly or yearly to make them appear as if they are newer debts so they are able to remain on your credit longer the allotted time. I was unable to dispute this with a agent because I failed XXXX XXXX  which is a questionnaire formed by information provided by creditors this information is all incorrect I failed it each time because the info they have have a job listed I havent worked at for 19 years they have credit card loans I never had and personal loans I never had. They deny me access to dispute based on information from someone who is not me who provided it to them on my behalf that is the most unprofessional practice I have ever experienced in my life you dont verify the creditor but you double triple verify the person who is going to be affected by this incorrect illegal information providing process
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : SPRINT ) XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute inaccurate information on my credit reports with Equifax, TransUnion, and Experian, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The FCRA entitles me to dispute incomplete or inaccurate information on my credit reports and requires credit reporting agencies to correct or delete any information they can not verify. I have identified the following erroneous accounts on my credit reports, which must be removed These inaccuracies are in direct violation of the FCRA, which mandates that all items reported on my credit reports be accurate and verifiable. The continued reporting of these erroneous accounts is causing undue harm to my credit score and financial wellbeing.

I have enclosed copies of my credit reports highlighting the inaccuracies, as well as supporting documentation that clearly demonstrates the errors. I kindly request that the CFPB enforces the following actions : Immediate investigation into the disputed accounts. 

Removal of the inaccurate information from my credit reports with Equifax, TransUnion, and Experian. 

Notification to me of the results of the investigation and subsequent actions taken, in compliance with the FCRA. 

Failure to correct these inaccuracies within the timeframe specified by the FCRA ( 30 days ) will compel me to pursue all available legal remedies, including filing a complaint with the Federal Trade Commission ( FTC ) and seeking damages in a court of law. 

Please confirm receipt of this letter and provide updates on the progress of your investigation. If you require any further information, do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a XXXX I was doing online classes through XXXX XXXX college. I was able to receive student loans to pay for my classes. My loans monthly payment amounts were minimal amounts that were paid every month. After being hired by the local XXXX XXXX, I qualified for a loan deferment plan. This plan allows my loans to be deferred every year up to ten years. Due to a time delay in the deferment processing in XXXX of this year my accounts showed late payments of 90 days. I was told all late payments would be removed from my credit report in approximate 30 days, but the late payments are still reporting. This has dropped my credit score about 70 points and has really hurt me trying to obtain credit for a new home and new vehicle. I would love to have this issue resolved as soon as possible. I have tried disputing these inaccurate accounts with the credit companies, but have not gotten anywhere.