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

XX/XX/2023 : Attached documents prove that XXXX XXXX 's credit bureau reporting for this account during the month of XXXX is incorrectly stating that the account was 30 days past due. Documents show that multiple payments totaling {$3900.00} were made by myself, accepted and posted to the XXXX XXXX account during that month. The payments were applied to the card and it functioned normally. Payments have been made on time/early throughout every single billing statement since opening the card, and zero notifications of past due/late amounts were sent to me for the month of XXXX. Furthermore, to my recollection, the month of XXXX was originally reported correctly as current, and it seems the change may have occurred following a dispute focused on the following month. Credit monitoring services now show the account as " 30 days late '' " {$0.00} '' past due for XXXX. An earlier dispute details a more complex issue for the month of XXXX in which an XXXX XXXX  supervisor, on a recorded line ( case XXXX ) identified a technical glitch -originating solely from XXXX XXXX- which caused numerous payments from previous months to be " returned '' ( attached statements from my corresponding checking account prove that they were not returned to any account of mine, and that it was not possible for myself or XXXX XXXX to have requested returns ). This happened on XXXX XXXX, and payments were sent within one hour of notification each time. Attached documents prove that an error code generated by XXXX XXXX, indicating XXXX XXXX  or myself requested those returns, is WRONG and not possible. Though payments were initiated by myself and marked as accepted to the XXXX account, XXXX XXXX participated in no interaction with my bank account regarding the debiting, or returning of those payments. Attached documents will show that XXXX XXXX generated numerous technical issues, all of which were dealt with immediately by myself, and there was never a period longer than an hour in which the card issuer or consumer was aware of any issue or further action needed. Attached documents show that XXXX XXXX XXXX XXXX  violated regulations in credit reporting, as the account was never late, and there were no notifications of an account being past due for the month of XXXX. On XX/XX/XXXX on a recorded line, I was assured multiple times after experiencing/rectifying XXXX XXXX XXXX XXXX that the account had always been current and no action was needed from myself. At the time of filing this complaint, it appears the XXXX reporting of the account may have been corrected to " current '' but I have not received confirmation. Statements for the months of XXXX - XXXX are attached.
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 XXXX  Account Number : XXXX and 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

XXXX XXXX XXXX  in XXXX XXXX XXXX reported me as 30 days late. This was due to an error on their side. I had signed up for automatic payments and they failed to set it up. Spoke with an individual that stated they would take care of it because it was not my fault. Stayed on XXXX called XXXX XXXX XXXX back and they stated they wouldnt change it. Tried to dispute with credit report agency and failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my XXXX consumer report and noticed that Capital one is reporting a late payment dating XX/XX/. According to 15 USC 1681 ( 2 ) ( a ) ( i ) transactions are to be excluded from the consumer report but they are being reported as a late payment. This is inhibiting my ability to get lines of credit, inhibiting my ability to open merchant accounts for my online business, its inhibiting the ability to get houses and cars to live. Today, XX/XX/XXXX after several previous attempts to get the payment removed, however capital one is reluctant to remove the late payment despite being put on notice that it is a violation of consumer law. I have XXXX kids and it is making it hard for us to survive day by day. I kindly request that this late late payment gets reversed and the status shows on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} TELECOM SELF-REPORTED XXXX Balance : {$45.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

In 2010 I was forced to move because of my job. The bank attempted to foreclose on my home without any late payments and would not allow me to rent my home to anyone. The deed of trust said I had to live in it. The mortgage counselors said I had to miss payments in order to gain protection from the law. I had to fight the bank and the final resolution was a deed in lieu with the understanding that they would correct my credit bureau. They did not correct it and it is currently reporting as a foreclosure. I have disputed this information repeatedly and spoken to the bank but I have no resolution to this day.
Product: Student loan

My student loans, and those of my wife, have been on the XXXX plan since the fall of XXXX. I have made regular on-time payments per the terms of XXXX the entire time. In XXXX of XXXX, during a routine check, I noticed my loan balances had grown. The Dept. of Education website on the XXXX plan states that due to the interest subsidy, balances should not grow as long as I make payments. I messaged Mohela and was advised that it is a timing issue ; that the interest will be charged off immediately after the next payment. Over the next several weeks, I monitored the accounts, and both continued to grow, even though I was consistently making payments. On XX/XX/XXXX, I finally got through to them on the phone and questioned a representative about the issue. She put me on a long hold to talk to a XXXX, and then told me that the only accounts to receive the subsidy are those who qualify for a {$0.00} payment. This goes against the information on the studentaid.gov website, which states : " The XXXX XXXX has an interest benefit : If you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month. This means that the XXXX XXXX prevents your balance from growing due to unpaid interest. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The personal information that the credit bureaus is reporting is incorrect! I have sent out several letters to each bureau in regards to this matter please delete from my report. 

The only information that should be on my report is Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX Birthdate : XX/XX/XXXX No other name, previous addresses and birthdates. I do not associate with any additional information they have on my report.
Product: Credit reporting or other personal consumer reports

After realizing I was a victim of identity theft I reported to the 3 bureaus of this matter as well as a copy of my report. They have not produced a promissory note of any information saying that this is indeed my loan. Instead they all 3 continue to verify informations that they ca not prove is mine. Also there are things they they have agreed to remove and yet they are all still on my report theses items should have promptly been removed. I feel they are holding my credit down on purpose and at this time they are in violation of 15usc 1681 ( I ) ( e ) of the fair credit reporting act.
Product: Money transfer, virtual currency, or money service

Back in XX/XX/year> I got scam with Zelle and I went to the bank and spoke to them they said they cant do anything about it. But where is my money then? They said they couldnt do anything about it.
Product: Mortgage

Im writing regarding an issue with my business mortgage account with Mr. Cooper. About two months ago, I was unexpectedly charged for flood insurance. When I reached out to your team, I was informed that my flood insurance had supposedly lapsed, and as a result, you purchased a policy from the market. 

This came as a surprise since everything regarding my insurance is automated, and Im unsure why your system flagged it as lapsed. I spoke with a representative on the same day and provided proof of insurance to confirm that my coverage was never interrupted.

It has now been almost one and a half months since I submitted the proof. During this time, I have called three times and sent emails to follow up Representative confirmed that my flood insurance never lapsed, yet my account still shows a negative escrow balance. This issue is also preventing me from making additional payments toward my principal. 
XXXX filing a complain with cfpb would bring some attention. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous PR reporting on my Credit Report : Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2014
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX XXXX XXXX XX/XX/XXXX -- - UNAUTHORIZED INQUIRY XXXX XXXX  XX/XX/XXXX -- - UNAUTHORIZED INQUIRY XXXX XXXX  XXXX XX/XX/XXXX -- - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXXXX/XX/XXXX -- - UNAUTHORIZED INQUIRY XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX UNAUTHORIZED INQUIRY XXXX XXXX, XXXX  XXXX XX/XX/XXXX -- - UNAUTHORIZED INQUIRY XXXX XXXX XX/XX/XXXX -- - UNAUTHORIZED I INQUIRY XXXX XXXX XX/XX/XXXX -- - UNAUTHORIZED I INQUIRY XXXX XXXX XX/XX/XXXX -- - UNAUTHORIZED I INQUIRY XXXX XX/XX/XXXX -- - UNAUTHORIZED I INQUIRY 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 don't 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX. A personal credit card account opened at XXXX on XX/XX/XXXX, XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wow, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

COVID-19 has really messed me up
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX processed my monthly on-line payment thru a checking account I had closed 7 years ago. On XX/XX/year> I made a payment on my statement that wasn't due until XXXX. I was given a confirmation # XXXX. I had paid my previous bills in the same manner on-line using the same checking account ( as late as XXXX. 
When I got my XX/XX/year> billing, They included the amount I had paid on XXXX along with late fees and interest charges.I called them immediately ( XXXX ) and spoke with XXXX, employee # XXXX. I made a payment of {$63.00}, the same payment I had made on XXXX. He agreed to drop the interest charges and late fees that left me with a XXXX balance.He did not tell me they had reported me to the credit bureaus. He said they would open an investigation as to what had occured. He told me I had paid with my checking account ending in XXXX. I told him my checking account ended in XXXX and that i had paid my XX/XX/year> bill using that account. 
XXXX XXXX denied having done any wrong and refused to resind the report to the chedit bureaus. I filed a dispute with TransUnion. They denied my dispute and sided with XXXX XXXX. My credit score went from XXXX to XXXX.
Product: Consumer Loan

Dear Sir/Madam, I am writing to complain you of actions by my bank. I purchased a car which I financed through Santander Consumer USA of Texas. On XXXX XXXX 2016 my car was damaged. XXXX ( insurance company ) sent to Santander Consumer USA Total Loss pay off check, which amount is {$13.00} XXXX. Santander Consumer USA received the check on XXXX XXXX 2016 that is confirmed by the account information. From that moment began to occur incomprehensible actions. 
On XXXX XXXX 2016 was posted information that only {$340.00} was paid instead full amount ( {$13.00} XXXX ). Then the amounts of {$680.00} and {$3.00} XXXX were posted on XXXX XXXX 2016. The balance was changed to {$10.00} XXXX. On XXXX XXXX 2016 also the amount of {$340.00} was posted. Even after spending several wasted hours trying to found out what happened, I did not get a clear answer. Different representatives told different untrue information. 
On XXXX XXXX 2016 I got the information that there was an error in my account and Santander Consumer USA will correct this error up to XXXX/XXXX/2016. Also, my auto loan will be ended. But nothing happened. They continued to place unclear data instead of correcting the error and close the loan. I was surprised I still have to make monthly payment on XXXX XXXX 2016. The balance was changed from {$10.00} XXXX to {$13.00} XXXX. I was upset to see the terrible data. They put me and my wife in a stressful situation. 
My attorney called them to ask what do I have to do. The supervisor told that Santander Consumer USA has all documentation from XXXX and I do not need to make monthly payment. But the data has not been updated yet, I still have to make a payment. I am afraid to get a bad credit score. I have read a ton of stories like mine. Probably, they want to get more money that they can get. 
Please, help me to resolve the situation. 
Thank you!
Product: Debt collection

THIS IS RIDICULOUS! I'm not familiar with this account! Why is my credit report being reflected therein? I need this account to be verified! I don't have a contract with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT WAS OPEN IN MY NAME WITHOUT MY CONSENT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX HAS COLLECTION ON MY CREDIT REPORT THAT ARE NOT MINE AND THEY REFUSE TO DELETE. 

ACCOUNTS THAT ARE NOT MINE. 
* The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

* The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

* The following account is not mine XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED, XXXX XXXX XXXX Opened XXXX {$150.00} XXXX XXXX XXXX Opened XXXX {$670.00} XXXX XXXX XXXX Opened XXXX {$1200.00} XXXX XXXX XXXX Opened XXXX {$2500.00}
Product: Debt collection

I subscribe to XXXX XXXX XXXX XXXX and received a notice that AR Resources had sent non-payment claims to both XXXX and XXXX. When I called AR Resources to find out what this was about, I was treated with complete disrespect. After making several inquiries, I was finally told that XXXX XXXX XXXX had turned over my account to them. AR Resources refused to provide contact information for their client. They insisted that I would have to " google '' their client in hopes of contacting them. 
When I contacted XXXX XXXX XXXX, they advised that they did not have a mailing address for me and rather than trying to locate it, they simply turned it over to collections. I asked them how I was expected to pay a bill that they never sent. They agreed that it would be impossible to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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