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

Dear XXXX, XXXX, Equifax I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. 

The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards, XXXX XXXX
Product: Credit reporting

It seems to me that my paid hospital bills still show up with a balance and bills I paid off back in XXXX still appear. I am desperately trying to improve my credit score and I called Transunion and was told to contact my creditors. I did that and each creditor informed me that they had in fact sent " hard updates '' to the agencies and I asked that they resent those updates which they did. Since we are now at the end of XXXX, I have no idea why my credit reports mainly show updates from XX/XX/2015. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete these inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX : {$8800.00} XXXX XXXX XXXX : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$8700.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I came across several errors in my credit report during a recent review. The late payments shown are not accurate for my payment history. Please address these issues and make the updates. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX CONTINUES TO HARASS XXXX XXXX WITH NUMEROUS OF PHONE CALLS THROUGHOUT THE DAY ESPECIALLY WHILE WORKING AND SPENDING TIME WITH MY FAMILY. I HAVE REPEATEDLY STATED TO CEASE AND DESIST ALL CALLS AND TO SEND ME A LETTER IN THE MAIL BECAUSE I HAVE NEVER DID ANY BUSINESS WITH XXXX XXXX XXXX. I RECEIVED A LETTER IN THE MAIL STATING THAT XXXX  XXXX XXXX BOUGHT THE DEBT FROM XXXX  AND IS REQUESTING PAYMENT. I SENT A DEBT VALIDATION LETTER TO XXXX XXXX. XXXX XXXX SENT BACK A FALSE AND MISLEADING STATEMENT FROM XXXX. XXXX XXXX WENT TO CHECK HER CONSUMER REPORT AND NOTICED THAT XXXX XXXX XXXX ATTACHED TWO COLLECTIONS ON MY REPORT. THE OTHER COLLECTION FROM XXXX XXXX WAS FROM SOME BANK I NEVER HEARD OF BY THE NAME OF XXXX XXXX XXXX XXXX. XXXX XXXX AND BOTH CONSUMER REPORTING AGENCIES HAVE VIOLATED MY CONUSMER RIGHTS UNDER THE FDCPA. XXXX XXXX AND XXXX XXXX XXXX IS STILL IN DISPUTE OVER THE ALLEGED DEBT BUT YET THEY ALREADY DISPLAYING FRAUDLENT BEHAVIOR BY PLACING THE ALLEGED ACCOUNT IN COLLECTIONS. XXXX XXXX NEVER DID ANY BUSINESS WITH XXXX XXXX, SO XXXX XXXX SHOULD NOT HAVE ANY OF MY PRIVATE INFORMATION WHICH IS ANOTHER VIOLATION OF MY CONSUMER RIGHTS!!! TRANSUNION OR XXXX NEVER VERIFIED THE INFORMATION BUT INSTEAD PLACED IT ON MY CONSUMER REPORT WHICH IS YET ANOTHER VIOLATION OF THE FDCPA.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I would like to include this to the previous file XXXX I built XXXX XXXX XXXX, XXXX, MD XXXX as a XXXX XXXX for 10 years. 

The lender ( XXXX ), 's real appraisal value report is several XXXX  dollars different than the appraised value on the loan document.It is actually the appraisedvalue on the loan document is less than half of the current real appraisedvalue. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, A victim of Identity theft, request removal and deletion of the listed accounts on my XXXX, XXXX and XXXX credit reportXXXX. XXXX, XXXX. 
XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my latest consumer report furnished by Equifax. Your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates. 
You are in violation of the FCRA Permissible Purposes, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
Pursuant to the Fair Credit Reporting Act, makes it clear that a consumer reporting agency EQUIFAX INC in accordance of 15 USC 1681c-2 Block of information resulting from identity theft ( a ) 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 4 business days after the date of receipt by such agency. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit information was stolen and use without my consent 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Mortgage

1. XX/XX/XXXX I decided to make a one-time payment online instead of sending in my usual check to make ( in full ) XX/XX/XXXX mortgage payment. Checked to see that my checking account info was in their system. 

2. XX/XX/XXXX received a Chase email thanking me for successfully scheduling my mortgage payment ( for XX/XX/XXXX ) -- I have a copy of this but it has identifying information. 

3. About XX/XX/XXXX while I was on a trip out of town, I began receiving emails that my mortgage payment was overdue, a late fee was assessed and my lateness would be reported to credit agencies ( I have an excellent credit record of paying on time ). 

4. XX/XX/XXXX made several calls to Chase customer service. I was told that my payment had been rejected and my bank ( checking ) was insinuated to be the rejector. On my calls I was repeatedly told ( by Chase ) that my calls were being recorded for debt collection. 

5. I phoned my bank on XX/XX/XXXX ( XXXX XXXX XXXX ) and was told that there was adequate money in my checking account and there was no reason that the bank would have refused to honor payment, in fact they had no record that Chase had sought payment. 

6. I phoned Chase customer service back on XX/XX/XXXX and told them my findings. I was told that the late fee would be removed and there would be no damage to my credit record and that they would process 2 payments from my checking ( their error on XX/XX/XXXX and an upcoming payment for XX/XX/XXXX ) to bring my mortgage acct completely up to date. 

7. About a week or so ago I got notice that nonpayment had been reported to a credit reporting agency and even though the former assessed late fee had been removed, they had not processed my requested payments ( even though a message on " pay by phone '' indicated that I had made a XX/XX/XXXX pay which was still being claimed as unpaid ). 

8. I attempted to resolve by phone and had to insist that I speak to a manager and was given " resolution specialist : XXXX XXXX '' and told to email info showing I had enough money in the bank to have covered my payments to XXXX or they would not repair my credit. I did so on XX/XX/XXXX. My bank statement is evidence. 

9. XX/XX/XXXX There has been no response to my email and phone calls so I decided that I would make payment by check. I had been wary of doing so in fear that Chase would finally follow my online and phone instructions to make payment as well as cashing my checks meaning that they would collect double. 

10. Even when, and if, my checks are cashed by Chase, there is no assurance that they won't charge me additional interest, late fees and not remove their erroneous reporting of nonpayment even though I had tried diligently to pay. Rather than responding to my repeated requests for them to take payment from my checking account, they keep sending mailings ( even overnight ) apparently trying to coerce me into signing a fulfillment contract with additional fees. This feels like a scam on the elderly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX put me on a hardship program due to the pandemic and they have reported me 30 days later and have completely ruined my credit. I have been in constant communication with them throughout the months and have not stopped paying the minimum they have asked of me. I am currently going through the process of getting my XXXX  claim reprocessed due to fraud and have not received a dime since XX/XX/2020. The state knows this is happening to my unemployment file so they have been giving me XXXX XXXX meanwhile they sort everything out. I find it extremely unfair that XXXX would do this to me now that Im struggling. I have spoken to customer service consistently and I know the calls are recorded for the record. My credit score decreased XXXX points and now I will be unable to get a car and the apartment I was looking forward to once I go back to work. I wish i didnt have the underlying conditions I suffer from or else I wouldve never stopped working. I have XXXX  and get mild XXXX and mild XXXX when I get sick. First it was my income now its my credit it feels like I cant catch a break.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information is linked to my social security number as a result of someone fraudulently opening accounts and credit lines with my personal information.
Product: Credit card or prepaid card

XXXX XX/XX/2022 for {$170.00}. On XXXX XXXX XXXX was reported to Synchrony Bank whereby a dispute was initiated this occurred created 2 times. They were informed the merchant was a scam and that the product was not delivered. The tracking number that the merchant supplied was a real number however according to the USPS postmaster in XXXX, IL the tracking number supplied belonged to another merchant and another persons name & delivery address and they sent me proof literally a picture of the item delivered showing the tracking number, another merchants name and another persons name & address of delivery. I uploaded this picture for the dispute for there records Both XXXX Synchrony bank favored with the merchant stating items were delivered. I'm in shock I provided undeniable proof to Synchrony bank of the scam with a XXXX picture from USPS.. 

The amount was for {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I applied for a Capital One Platinum credit card and was approved with a {$300.00} credit limit. Due to financial difficulties at the time, I was unable to keep up with payments and the account was closed & sent to collections. In the fall of XX/XX/XXXX, I paid the account in full to the collection agency that had my account and I reached out to Capital One to remove the account from my credit report. They refused and this has been going on for over a year when I asked Capital One to remove the account from my credit report & they refused.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S.

Code 1666 ( b ) billing error -The creditor 's mistake in not accurately showing a payment or credit that the consumer made on their account statement.

-A billing error under the Fair Credit Billing Act ( FCRA ) that is caused by a creditor 's computational or accounting mistake. 
Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide consumers with at least 21 days ' notice before reporting a late payment. Since I did not receive this notice, I am demanding to see hard evidence from the creditor 's bank account that I did not make the required payment and that the late payment was in error. 
I request that the following items on my credit report be updated to reflect that they were paid as agreed. 
1. This late payment status is irrelevant XXXX XXXX XXXX XXXX XXXX XXXX This account is fully satisfied. Please update this account immediately 2. This late payment status is irrelevant XXXX XXXX XXXX XXXX XXXX XXXX  The late payment in the past was settled. I'm currently on time with my payments. Please update this account immediately 3. This late payment status is irrelevant XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is inaccurate. Please update this account immediately PLEASE SEE THE PROOF ATTACHED TO THIS LETTER Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have these accounts on this letter updated immediately. If you do not comply, I will file a lawsuit in small claims court in my city and state seeking monetary damages for your violation of my rights. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Received collection letter to the estate of deceased parent. 

I contacted the originating bank survivor relations department : ( 1 ) the bank did not report anything for collection, ( 2 ) all accounts of the decedent have been paid in full and are closed, ( 3 ) the account number reported does not exist, and ( 4 ) this is a phishing attempt. 

I called the collection company, they insisted they have been retained to handle the account and have a file from the bank. I told them I have contacted the bank and relayed everything listed above. They said they would make notes to my file and I would not be contacted again.
Product: Credit card

PayPal Credit ( Synchrony Bank ) now requires you to receive all statements and correspondence via online portals or incur a monthly fee for paper statements and correspondence.

The PayPal Credit system is linked to PayPal through a very buggy manner and major features, such as disputing charges from merchants and all correspondence from Synchrony, are not available on the mobile app It should be illegal for Synchrony to charge for paper statements and written correspondence from the company when the site is not fully XXXX compliant or accessible via mobile app
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds wirhin 24 hrs stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And Hard inquiries. 

Hide full complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT COLLECTION SERV. Account number XXXX. Date opened XX/XX/XXXX CREDIT COLLECTION SERV. Account number XXXX. Date opened XXXX XXXX, XXXX CREDIT COLLECTION SERV. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX. Account number XXXX. Open/closed Open The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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 or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
provide proof of any verified information
Product: Debt collection

I am being suited for a debt that is not mine. No member of my family has be treated for any injuries or any medical care at all, outside of an XXXXXXXX XXXX XXXX XXXX. Due to my medical insurance at the time being XXXX, and their in network providers being XXXX explusively. 

According to the complaint on XX/XX/XXXX. I had taken one of my children to be treated at XXXX XXXX XXXX in XXXX Utah. Resulting in a medical charge for a {$720.00}. During this same time I was working for XX/XX/XXXX for theXX/XX/XXXX I was posted at the XXXX XXXX XXXX XXXX, and I was at my post on this same day for 16 hours. During the time the treatment at the hospital supposedly happend. 

I also had the only vehilce we owned with me at work. There was no way for any member of my family to go anywhere without help. Their only way to get to the hospital was to go by ambulence. There is no ambulance charge. This treatment did not happen. This is a zombie account, or faults charges being made. 

The first time on found out about this debt was on XX/XX/XXXX, at XXXXXX/XX/XXXX, I received a summons and complaint that was hand delevered to my front door. 

Prepared by XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX UT, XXXX. ( XXXX ) On behalf of Mountain Land Collections, LLC XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX. ( XXXX ) XXXX ) The claimed total amount I am being suit for is {$1000.00} including {$180.00} for interest, {$130.00} for Estimated court cost 's, and the original amount of {$720.00}. for a total of {$1000.00}. I am not responsible for this debt. 

On XX/XX/XXXX I prepared an answer and mailed it back through USPS. Well withen the 10 days given on the Summons. I waited 14 days after the answer was sent and called the Fourth District Court Of Utah, in XXXX XXXX, XXXX XXXX XXXX. XXXX. ( XXXX ) XXXX. 

I was told by the clerck I spoke to they had recevied their copy of the answer. I then called XXXX XXXX XXXX Attorney for Plaintiff, and was told by the recepctionist they had not received thier copy of the answer. I obtained emails address from both the attorney and the court 's and emailed the answer a second time on XX/XX/XXXX. 

A court date is scheduled for XX/XX/XXXX at XXXXXX/XX/XXXX Hopefully to resovle this issues finally. The debt is not mine, I strongly belived it was faultsly created. Any assistance resolving this is very much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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