23daVinci/CFPB_Complaints huggingface dataset:
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. 
I have told XXXX, Transunion, and XXXX to investigate these accounts again : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is it possible if the open date, date of last activity, and much more are incorrect? 

According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that aren't reported correctly.

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 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 ( AX1 ) 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

Flagship Credit Acceptance has charged off a debt but continues to try to collect a balance after a vehicle was voluntarily returned and thus sold by the company. Flagship was able to recoup the amount owed on the loan and left a balance of XXXX, yet they have been reporting to all credit bureaus a balance of XXXX. This company has also illegally re-aged this account by updating monthly negative remarks on a Closed/Charged off account. Furthermore, Flagship has reported conflicting information to XXXX XXXX and XXXX  in an attempt to damage my credit rating. Under the FCRA, all information must be reported accurately and completely, Flagship has failed to report my information accurately to all credit agencies. Flagship has reported conflicting account open dates ( XX/XX/XXXX for XXXX  XXXX XXXX XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX for XXXX  XXXX this illegal per the FCRA. Next, the last payment dates are conflicting when reported ( XX/XX/XXXX with XXXX XXXX XXXX XX/XX/XXXX with XXXX XXXX again this is erroneous and illegal reporting by this company. This account is listed as closed and charged off with all three major credit agencies, yet the last date of activity has been backdated and updated every month, damaging my credit report with illegal tactics that violate my rights as a consumer. I have reached out multiply times for debt validation and removal of this erroneous and illegal information but have been met with nothing but verification of this clearly illegal, erroneous, and unverifiable information. I have included pictures of my credit reports from all three agencies with the illegal information circled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XX/XX/XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported for my XXXX XXXX XXXX account. 
I want you to know that I understand my financial obligations, and if it werent for my XXXX medical health circumstance that caused me to miss payments I have been the past year from being hospitalized to XXXX back to back months of non stop XXXX XXXX XXXX and endless medical procedures to save my life, Id have an excellent repayment record if it wasn't for this condition. I made a mistake in falling behind, but since then, my circumstances have changed and ive improved your money management. Since then, I promise and commit to spotless record of on-time payments. 
Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments. 
Thank you for your consideration, and I hope youll approvemy request. 
Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items that have been erroneously included in my credit report. Despite repeated attempts to rectify this issue, the fraudulent entries persist, tarnishing my creditworthiness and financial standing. 

The fraudulent items in question, including [ describe the items in detail, providing any relevant account numbers or reference numbers ], are not associated with any legitimate financial activity on my part. They are the result of fraudulent activity and should not be included in my credit history. 

I have submitted multiple disputes and provided comprehensive documentation and evidence supporting my claims of fraud. However, to my dismay, these efforts have not resulted in the removal of the fraudulent items from my credit report. 

It is imperative that immediate action is taken to investigate and remove these fraudulent items from my credit report. Their continued presence not only damages my credit score but also undermines my financial integrity. 

I request that you expedite the resolution of this matter and provide regular updates on the progress of the investigation. Transparent communication throughout this process is essential to restoring my confidence in your organization and ensuring a satisfactory resolution. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities.I am asking for your assisstance to remove these fraud items in my credit file 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Product: Debt collection

Hello, As I was looking at my XXXX Credit report, I found that Southwest Credit Systems was listed. I had never heard of this company and did not know why it was on my credit report. It was sometime that I realized that it was a collection agency I guess hired to collect on a old XXXX XXXX bill. It was then that I realized that I had already paid this old bill off directly to XXXX XXXX and that is why I was able to renew internet services from XXXX XXXX, which is not XXXX. I had NEVER received anything from this company and do not understand why thy are being allowed to place this old and already paid collection on my credit file. I have never had any dealings with this company. 

Back in XXXX I submitted a debt validation to XXXX and several additional times over the course of the last few months have requested verification of any dealing with this company. as stated before, I had already paid this bill Directly to XXXX XXXX. This company continues to have this on my record even though they are fully aware I ahve had not contact with them.
Product: Mortgage

In " response '' to previous complaints, WF now claims it has no record of me being the administrator of the estate which is the mortgagor. If that is the case surely WF broke multiple laws by allowing me to manage the mortgage, including initiating Covid payment forbearance. Status as successor in interest does not provide any rights to administer the loan. WF was advised of my status of XXXX XXXX. It was also advised - repeatedly - that the previous executrix had been removed, after it became apparent correspondence was still being directed to her. At the time WF representatives claimed they had no record of the prior executrix still being on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been contacted numerous times on this problem with online disputes in regards to below account. 

Personal Loan account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has indeed confirmed that there are no lates on this closed account with confirmation proof with dates of XX/XX/XXXX and XX/XX/XXXX with a manual submission of paperwork to Equifax on those dates. 

Equifax has refused to update their records to reflect this account with no late payments. Their records show a 30 day late payment on XX/XX/XXXX. There should be no 30 day lates on this account as shown by creditor above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.
Product: Debt collection

Account # XXXX I am writing to formally dispute the validity and accuracy of the collection account listed under the account number XXXX, originally associated with XXXX XXXX XXXX XXXX and reflecting a balance of {$2200.00}. 
As of XX/XX/year>, your records show this balance remains unpaid, however, I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and a thorough review under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I request the following : 1.Proof that I am legally obligated to pay this debt. 

XXXXA copy of the original contract or agreement bearing my signature. 

XXXX.A detailed accounting of the amount claimed, including how the balance of {$2200.00} was calculated. 

XXXXDocumentation showing that I.C. System, Inc. is authorized to collect on behalf of XXXX XXXX XXXX XXXX 

Until this information is provided, I request that this account be marked as disputed on any credit reports where it is listed. If you can not provide the requested documentation within the time frame prescribed by law, I request that this account be removed from all credit reporting agencies immediately.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is using the term investigate but fail to provide their procedures of investigation. You clearly stated that you open up a dispute and give the reporter/creditor a chance to respond with the same information that was submitted initially to put the debt on my credit is NOT an investigation. I requested and affidavit by a representative of the court, for you TRANSUNION to provide the investigation report that was used to validate the debt that is staying on the credit report since you are the liable reporter/gatekeeper. Again, please state what information is requested from the creditor to validate the debt for you to classify and use the word investigation. Do we need to handle this in XXXX court?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND 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 AND 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: Mortgage

Dear Sirs, I need your help with SPS Company located in XXXX XXXX XXXX. In XXXX, I was assigned the relationship manager named XXXX XXXX, I spoke to him on the phone and asked questioned about an issue that SPS had not addressed issues with our home mortgage and was told he would send the corresponding paperwork for loss mitigation. No paperwork came to me. In XXXX a new relationship manager was assigned my case XXXX XXXX. Now the paperwork sent to me only includes relocation assistance. Can you help, I have been diligent in asking for SPS to solve problems with my loan : Problems with escrow, another party on my loan, problems with accounting of payments made that were above the amount due and unable to abtain paperwork for loss mitigation since XXXX. Only two weeks ago was I asked to send in paperwork but it was for relocation assistance - the sale has n't even occurred, and forms were omitted. I have asked for loss mitigation but at this point this company does not keep it word to send paperwork and forms where not sent that they require in the packet this past month. Also the paper work that they sent to you did not include the most recent loan papers for the only mortgage on this property from XXXX Bank, only paperwork from XXXX XXXX that is invalid. Thank you so much for looking into these issues and can you please help me so that a sale of the property does not happen on XXXX XXXX, 2016. My property has still not been listed this month by the Sheriffs Sales site as other properties in my area and XXXX and XXXX states the property is not available for sale, and I have received no response from SPS in terms of where it is listed. I did receive a letter from XXXX loans that they might be able to help with this, but I need SPS to start helping and sending all paperwork when requesting it and not sending letters without the proper forms included for loss mitigtion and making sure that my loan has been updated with the proper amount due and all charges to this loan are itemized and explained, and that they are sure that I have a clear title after XXXX made the mistake of listing another person on my loan. I do not have any other loans on this property!!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX suddenly resurfaced a very old long closed bank account with XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report and and made my credit standing drop a few points. This account was closed 12 years ago in XXXX. In XXXX, XXXX EQUIFAX started reporting it as a revolving account that currently closed and in the process lowered my score. 
I do not understand why an account that closed more than 12 years ago which is way past the 10 years limit for delinquent information would suddenly appear on my EQUIFAX credit report.
Product: Credit card or prepaid card

Dear Sir or Madam, I have the following case with American Express : My account was cancelled upon my own request back at the end for XXXX. After the account closing, I received a refund of an airline ticket of {$75000.00} however, the credit card company has since then failed four times to  refund me the amount. 

After one check expired due to late forwarding to my address in XXXX I have spent several hours on the phone with American Express to repeatedly issue a refund check ( or any other payment method ). 

American Express has since XXXX XXXX not managed to complete my request. 
I have called during the following dates ( early dates not precise to the day as I did not think it will take that long ). 

XXXX - requested reissuing XXXX - New check issued and not received at XXXX address XXXX - New check issued and not received at XXXX address XXXX - New check issued and not received at XXXX address XXXX - New check issued and not received at XXXX address The simple excuse is always that is is an issue of the USPS and abroad postal service, however that will not explain a loss rate of 100 % in 4 cases. 

It is easy for an finance company to impact your credit score but how are credit card company 's behaviors being rated?? 

I am still waiting for the refund that has been always acknowledged by the workers at the hotline at American Express. 

Nothing is moving and I doubt that Amex has the intention to actually do a refund. 

Best Regards,
Product: Mortgage

Automatic payment for month of XXXX was withdrawn from my checking account on XX/XX/XXXX. The amount wasn't sufficient to cover new payment amount and was notified of a missed payment. When I logged in, my only option was to pay the full mortgage payment and not the difference owed. I was notified again of missed payment on XX/XX/XXXX and when speaking with a customer service rep I was notified that I can only make a full payment and not the amount owed via their website.
Product: Debt collection

I disputed a CFS2 trade-line on XXXX of my credit reports. These were initially disputed on XXXX XXXX, XXXX to XXXX via certified mail and XXXX on XXXX XXXX, XXXX. Each of these were verified by CFS2. 

I subsequently received letters from CFS2 dated XXXX XXXX, XXXX and XXXX XXXX, XXXX stating they did not have the necessary information to verify my account and would need 60-90 days to do this. I disputed this trade-line again with both XXXX ( XXXX XXXX, XXXX ) & XXXX ( XXXX XXXX, XXXX ) and CFS2 verified both accounts again.
Product: Credit card

I reported fraudulent transactions when I saw a balance on this XXXX XXXX XXXX through XXXX XXXX credit monitoring service I have. I called the customer service department listed on the back of the credit card and reported the charges as fraudulent. They issued a temporary provisional credit for all the charges initially totaling XXXX XXXX XXXX. After the investigation they sent me an unsigned form letter indicating the charges are valid because the card was identified as being in your possession and chip card technology was used, which can not be counterfeited. They then reversed the provisional credit and placed the amount due for each purchase back on my account. The dates range from XXXX and possibly before this date as the current statement has a balance forward amount of {$1400.00} and I haven't been able to find the listing of that charge yet in the interest of getting this out to you right away. The account information was still being used until I went online to the XXXX XXXX website and locked the reissued card today ( XX/XX/year> ). The statement balance is {$11000.00} with a computer voice balance of {$11000.00} when you call for the balance. I locked the card today when I got on the website. I have reported this to the local police dept today ( XXXX XXXX, XXXX  ). In addition to this filing with the CFPB I will be filing a report with the MA attorney general 's office. Please help me with this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its a vehicle listed on all 3 credit reports with inaccurate information. Please remove it. Thank you.