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

Subject : Inaccuracy in Payment History Reporting Dear XXXX XXXX XXXX, I hope this letter finds you well. Im writing to bring to your attention an inaccuracy I noticed in the payment history reported by your institution to the credit reporting agencies. Specifically, there are errors in how my payments are being recorded, which are negatively impacting my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S. Code 1681 et seq., there are specific rules and protections in place for consumers like me to ensure the accuracy of credit reports. Here are a few key sections that apply : 1. 15 U.S. Code 1681i : This section describes the process for disputing inaccurate information. Once a dispute is made, the credit reporting agency is required to investigate and respond within 30 days.

2. 15 U.S. Code 1681s-2 : As a furnisher of information, XXXX XXXX XXXX is responsible for providing accurate data to the credit bureaus. If there are any errors, you are required by law to correct them. 

3. FCRA Section 611 ( a ) ( 1 ) ( A ) : Mandates the accuracy, completeness, and fairness of information reported by credit bureaus.

4. FCRA Section 611 ( a ) ( 2 ) : Requires an investigation by the credit bureau upon receiving a dispute from a consumer.

5. FCRA Section 623 ( a ) ( 2 ) : Mandates the removal of information that can not be verified or is found to be inaccurate Given these protections, I kindly ask that you review the reported payment history associated with my account and remove any inaccuracies. If you need further details or documentation to complete your review, please do not hesitate to reach out.

I would also like to remind you of additional consumer protections under laws like the Truth in Lending Act ( TILA ), which ensures clear and accurate disclosure of credit terms, and the Fair Debt Collection Practices Act ( FDCPA ), which regulates how financial institutions handle consumer debt.

Thank you in advance for your prompt attention to this matter. I trust this can be resolved quickly, and I look forward to your confirmation that the necessary corrections have been made. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX # 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 @ : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Our contacted Huntington bank on XX/XX/24 to put stop payment on all transactions from XXXX and XXXX XXXX. However they did not do it, now I have been stranded for 3+ days with my wife and son, with no gas money to get home or money to buy food. They have supposedly put a stop on the ones for XXXX to be returned to me, but that is the same thing I was told in XXXX. Now there is currently amount $ XXXX sitting in funds/overdraft fees that Im being told to wait 3 days, 10 days, and up to 45 days to get all my money back. Upon speaking with the bank today I was told its my fault Im in this position and I should walk over an hour away to get to my nearest shelter, so at least we would have food, but how does that help the dogs I have at home waiting on us so they can go outside and get dinner themselves?!?!? 
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 or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. This was clearly a billing error made by the company and it 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 XX/XX/2024 to be removed. They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of 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 USC1666b ( 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 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 a good faith pursuant rule XXXX and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! Update the late payment from my consumer reports XXXX XXXX XXXX - XXXX
Product: Debt collection

TransUnion is in violation of 15 USC 1681b ( 2 ) Permissable Purpose and violation of 18 USC 8 Violation of HJR 192 and Public Law 73-10 Also 5th amendment of due process/ equal protection under the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out multiple letters to all 3 credit reporting companies and got ignored and told I hired a 3rd party company which I did not. This act is unlawful and blatantly out of compliance. To tell me I am not who I am requesting information I have already sent off in a CLEAR VIOLATION OF MY CONSUMER RIGHTS. This took well over 35-45 days in order to get a letter telling me that they applaud my efforts, need more documents to verify my identity, or just be flat-out ignored. I will be reaching out consumer rights protection group to see the best way to hold these 3 companies accountable. Here are the accounts that I originally put into question. Personal Information, Negative accounts & also Inquiries that were not made by me! 


XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX  Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Pursuant to 15 USC 1681 ( a ) ( 1 ) - This GRAVE error has impacted my belief in your companies integrity and ability to perform the proper procedures and protocol. As a result I no longer trust the information you report on MY BEHALF. I Immediately want this i XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

12. Pursuant to 15 USC 1681 ( a ) ( 1 ) - This GRAVE error has impacted my belief in your companies integrity and ability to perform the proper procedures and protocol. As a result I no longer trust the information you report on MY BEHALF. I Immediately want this i XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681 : Account name : XXXX XXXXXXXX XXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : 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 : 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 ( 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

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$9100.00}
Product: Mortgage

I was in Chapter XXXX that included my mortgage company Flagstar bank. On XXXX XXXX, my chapter XXXX plan was completed and fully discharged. I received a letter from the attorneys representing Flagstar bank stating my balance was XXXX dollars and to resume my payments directly to the bank as normal. I have paid every month on time since XX/XX/2018. Since then Flagstar claims that I am one payment behind from when I was still actively involved in Chapter XXXX despite paperwork stating other wise. I sent them the necessary paperwork proving that my balance was XXXX dollars at the time of my discharge. On XXXX XXXX, I received a letter from Flagstar bank admitting to their error and stating they would fix it. As of today, the problem still has not been resolved. They are now reporting late payments to all three credit agencies and reported late payments while in active bankruptcy. I have called them on several different occasions and never receive a call back that the problem is resolved. Instead I receive automated messages that my payments are late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 tried to unfreeze my account and site would not recognize nor find any record of my account that I froze about a month ago and want to unfreeze for a month.
Product: Checking or savings account

I made a {$8500.00} deposit to my Bank of America checking account on XX/XX/XXXX via online banking remote deposit, the check I deposited was also drawn on Bank of America. Bank of America but a large dollar hold on the check systematically at the time of deposit for 7 days. All funds of the deposit were held until XX/XX/XXXX. I called Bank of America on XX/XX/XXXX to inquire why a 7 day hold was placed on a check drawn on the same financial institution and was informed that per Regulation CC the system automatically applies the hold and that no one at the bank can release the hold or review the deposit. My account has been open for over 10 years.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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. 16815-2 ( 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

I filed a dispute in XXXX for my self installment loan account and was denied. The reason I filed a dispute with Experian was because they had not updated my information since XX/XX/XXXX of XXXX  and we were in the month of XXXX the end of XXXX to be exact. Experian WAS NOT showing that I was paying my loan down and making my monthly payments. Attached are the information from my credit report showing they were not updating it in their system when in fact they had the correct information from the company how I know they had the information is because they would send me messages saying GREAT JOB PAYING your loan down, But would still not update my information on my credit report. Experian just updated account in XXXX but they have not shown the payment for XXXX and they have not given me any points for me paying this loan down the whole purpose of this loan is to gain points its, a Self builder account Attached is proof of Experian not updating my credit report or giving me the points for it
Product: Debt collection

I don't recall having a contractual relationship with this collection company ARS ACCOUNT RESOLUTION. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i must inform you that i am NOT responsible for this fraudulent account. Someone stole my identity and generated a fraudulent account in my name. This is account is closed, fraudulent, and reporting inaccurate information on my report. 

15 U.S. Code and 1681c-2 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. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( 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 CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Product: Mortgage

The company Home point Financial Corporation is undergoing changes and transferring to new systems or new servicing of our mortgage loan. This would be fine but there are problems. 

I updated my home owners insurance this year in XXXX at the expiration date, and it was considerably less than the year before. I did this to avoid a shortage in my escrow account, however, this did not help due to this company reviewing in XXXX instead of XXXX. I called repeatedly, and asked what the shortage in my account would be and if I could get a new analysis ran, and they offered to put in two tickets for me. Unfortunately, this all happened during the time of transition of our loan to their new systems. 

I called prior to transfer on XX/XX/27, and spoke with a supposedly escalation specialist, XXXX XXXX, about this. 
She put in both tickets, and took a payment of {$55.00}, she stated was the calculation of the escrow shortage with my lower insurance. I specifically asked her was this correct and would it be correctly, applied. To my account. 

However I call back today and find out none of this has been accomplished., I spoke with 2 people today, including a supervisor XXXX Id # XXXX, that stated he would send it all for review and get back with me? 

I have been trying to get this resolved since XXXX?? I need some help. 

I do not want my credit affected by this loan companys inability to help their customers or know what is going on from one system to the next. I do not want late fees, on my loan either. I was promised some type of answer on today, now they say two more days, while my grace period is going to run out, while waiting on them. 

Customers should not be affected nor given the run around while a loan / mortgage company goes through Internal changes or difficulty. I want to make sure the payments I make are going towards the right things and that my escrow account is revised correctly. 

Also this company does not even give any type of payment slip or options when the escrow review is sent or completed.
Product: Mortgage

I've been calling for two months whenever I have a chance and I tried to get a hold of somebody in order to use the money. I've given them to apply it to the mortgage rather than to future payments. They won't answer the phone.. A robot answers and it keeps asking me the same question what do I want and I try to explain and it tells me oh you want your loan information and I already know my loan information that's all they keep doing over and over. It's been a loop. I can't even tell you. I'm so upset I can't even think right now it's : Mr. Cooper XXXX XXXX What their doing is criminal. They have my mortgage and all my money and I can't reach anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act reporting act XXXX Account # CAPITAL ONE XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on
a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I requested that the company provide me with the original contract with my signature on it and I did not receive anything from the company, and I am a victim of identity theft. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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, the consumer identifies as information that resulted from an alleged identity thief, not later than 4 business days after the date of receipt, It has been 30 days and you are in violation of the law because I am a victim of an identity thief, please delete item immediately. These account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2i Following the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. XXXX XXXX XXXX ONLY sent me a copy of the credit card agreement but I have NOT received contract with my SIGNATURE NAME ON IT.
Product: Mortgage

See CFB case XXXX, this is twice they have closed this with the same resolution. unable to contact us, funny guys Wells Fargo, I now have close to 60 letters from them and get at a minimum 2 calls a week from them, so you just take what they say for their word. 
All of this in 6 months, they last claimed they have only been working this since XX/XX/XXXX and I have letters from XX/XX/XXXX and XX/XX/XXXX from them on file, they are liars and you Consumer Protection Agency are taking their side on this, look they have given the same resolution to this twice XXXX .... 


I can provide you a detailed log on Call 's received and letters received from Wells Fargo, this should be XXXX ... 

Reopen case ... if you want the proof ask me ...
Product: Debt collection

Gold Key Credit INC is trying to collect money from me I have never been affiliated with them.This is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX 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