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

In accordance with the FCRA the account ( s ) below have violated my rights XXXX XXXX - Account XXXX XXXX XXXX  - Account XXXX  Fingerhut - Account XXXX XXXX XXXX XXXX XXXX Account XXXX 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate 15 USC 1681 ( i ) section ( 2-a ), A procedure in case of disputed accuracy - ( 5 ) ( a ) ) treatment of inaccurate or unverifiable information ; if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate OR incomplete OR can not be verified the reporting agency shall ( i ) promptly delete that item of information from the file of the consumer OR modify that item of information, as appropriate, based on results of the reinvestigation and ( ii ) notify the furnisher of that information has been modified or deleted from the file of the consumer.

15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( e ) after receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( 1 ) conduct an investigation with respect to the disputed information, ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of period under section 1681 ( a ) ( 1 ) of this title within a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section and ; ( iv ) if the investigation finds that the information was reported inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Capital One XXXX credit card bill was due on the XXXX.It was paid on the XXXX.I was given a {$35.00} past due fee.When I called I was told the was because I did n't make the full payment due of {$49.00} .I paid {$48.00} by pushing min payment button and the transaction was APPROVED. 

So I called and asked why I was given a past due fee because a {$1.00} error and was told their computer processes these transaction but, she would wave the past due fee because it was obviously a mistake. I then asked about them about my credit report damage of -46 points on my credit score and she said there is nothing they can do about it and I would have to make my case with the credit bureaus on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a phone call claiming to be GM Financial alleging I owed {$120.00}? I experienced a total loss of my vehicle and had been told my insurance settled. All payments were made timely on my loan. I asked for an explanation was was told the caller did not have that information? I was uncomfortable giving any payment information over the phone, and indicated, if true I would absolutely pay if they could send me the information in writing. I have never received any written communication from GM Financial. I received at least 3 additional calls and continued to request documentation and was assured that I would have 30 days to resolved from the time I received there communication. I still have received no documentation explaining why I owe this amount, and have now learned they reported me to the credit bureaus and my credit score has dropped XXXX points? I talked with GM Financial today and was told the amount is the difference between what my insurance payed in the final payout. If I knew this earlier I would have paid the amount. As a result of what I learned today I paid this over the phone. I find it unethical to hurt my credit score without receiving documentation of this situation as I requested and was told I would receive. Today I ask for their assistance in correcting my credit score they indicated I would have to file a dispute with the credit bureaus. This seems wrong since they reported me to the credit bureaus? Again, I find this unacceptable as they did not comply with my request and their acknowledgement that they would send documentation.
Product: Debt collection

I am not reliable for this debt with froedtert medical emergency. I do not own this debt and have no legal obligations or contract with state collection service inc. I want this remove from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no knowledge of them, and the company did this without my consent.
Product: Credit reporting or other personal consumer reports

My account with 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 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 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 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

We closed on our home on XXXX XXXX, 2015, signed a HUD statement and loan documents, wired funds to the title company, were given keys to the home and told we were closed and could move in. XXXX hours after closing, we had to go back and resign a HUD, and the statement reflected we were to be reimbursed money, which we still have n't received to this date. On or about XXXX XXXX, 2015, we were contacted by XXXX XXXX at XXXX Mortgage Company, who stated they received their loan proceeds funds back that day, even though she has signed loan documents in her file. XXXX then proceeded to tell me we needed to sign an early occupancy and extended closing date form and that all would be good to go. On or about XXXX XXXX, I was contacted by my real estate agent informing me that we needed to move out immediately because there was a mix up between our lender and title company and that we did not technically close as the deed still has not been filed. On or about XXXX XXXX, I learned that my lender sent our loan funds to the wrong company, being a sister company of XXXX XXXX XXXX XXXX XXXX and the sister company never sent those funds to the XXXX GA branch. Therefore the title company never recorded the deed or mortgage documents. However, we have been living in the home since XXXX XXXX, 2015, and no one ever contacted us to say there was an issue before XXXX XXXX or that we needed to move out until on or about XXXX XXXX. No one has ever refunded our funds we wired to the title company, where is that money? Dry closings are supposed to be illegal in the State of Nebraska, had the laws been followed, we would n't have been able to close, as that title company did not have the funds in their account, only mine and my husbands funds were in their account. My lender will now not provide me with any documentation, ignoring my phone calls and that I need to talk to her boss, who will not return phone calls either. Now, my family is out on the street until something is resolved.
Product: Debt collection

I received a collection letter XXXX XXXX a debt that was not mine it was fraud I do have a police report. I asked the company when the debt was they said " activated XX/XX/XXXX ''. First it is not my debt second it is well over 7 yrs old this is the first I am hearing about it. I wrote to them sent police report and request to stop all communications they said they were reporting it to credit bureau XX/XX/XXXX. IT IS & YRS OLD AND FRAUD! (! please help )
Product: Debt collection

Received XXXX services from XX/XX/XXXX-XX/XX/XXXX. XXXX received in XX/XX/XXXX did not appear to have proper insurance reimbursement and network adjustment through XXXX. Contacted XXXX and provider. XXXX response was unclear but blocked further inquiry. Began monthly letters to provider ( XXXX XXXX ) asking for clarification of charges. Provider only responded with additional invoices which had different amounts almost monthly. Received occasional phone calls from provider rep who agreed to look into the account but never submitted requested information. Engaged a medical billing dispute firm in XX/XX/XXXX. They also did not get the requested information. 
Today we received a notice from a collection agency in Wisconsin who asserted that they had been retained to collect the amount due, now shown as {$2100.00}. We had not been advised that this action was pending. Sent certified letter to that collection agency stating that the account is and has been in dispute since XX/XX/XXXX. We are basically being asked to pay an amount that they say is due without providing any substantiation. We are able to pay and have offered to do so with validation of the amount due. Total lack of response and responsibility by provider. May simply be a matter of how the charges were coded for insurance reimbursement ; but they have been unwilling to take necessary steps or provide the information that we requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove negative items off my report I have reported identity theft multiple times and my claims have not been returned or has been completely ignored I have submitted documentation as well this has been a very hard time in my life please remove off my report
Product: Debt collection

It shows that this is an unsecured loan. I have never applied for a loan with the company.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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

This letter was sent to XXXX  XXXX XXXX, Equifax Information Services, LLC, and the XXXX  Dispute Department on XXXX XX/XX/XXXX and the disputed amount is {$19000.00}. This account is past the statue of limitation for the state of Florida. This account has also been re-aged, and it is illegal to re-age any account. The date last active for XXXX  is XXXX XX/XX/XXXX, XXXX   is XXXX XX/XX/XXXX ( currently listed as XX/XX/XXXX ), and Equifax shows XXXX XX/XX/XXXX. It is illegal to re-age an account. This account has been re-aged. Delete this account immediately. 

This letter was sent to XXXX  XXXX XXXX, Equifax Information Services, LLC, and the XXXX  Dispute Department on XXXX XX/XX/XXXX. The dated last active for XXXX  is XXXX XX/XX/XXXX, XXXX  is XXXX XX/XX/XXXX, and Equifax show XXXX XX/XX/XXXX. Equifax shows this account payment history with a paid as agreed status in XX/XX/XXXX and it was placed in a charge-off status in XX/XX/XXXX by XXXX, this is a conflict. Delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 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 XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : 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

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE TRIED NUMEROUS TIMES TO HAVE THE NEGATIVE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. NOW I HAVE SENT POLICE REPORT AND MY IDENTITY THEFT REPORT TO THE BUREAUS AND I HAVE ALOS SENT THEM THE LAW THAT AFTER 7 YEARS THE NEGATIVE ACCOUNTS MUST BE REMOVED FROM REPORTING. THE CHARGES ARE FRAUDULENT, THE ACCOUNTS WERE OPENED WITH OUT MY KNOWLEDGE, PLEASE REMOVE THE NEGATIVE ITEMS FROM MY CREIT REPORT.
Product: Debt collection

XX/XX/XXXX I received a letter from Transworld systems at home address on XX/XX/XXXX. 

XX/XX/XXXX I did online research and discovered XXXX does turn over debt collection to Transworld Systems Inc. 

Tried contacting XXXX at XXXX, told to call back during normal business hours, which werent given on phone line. Online research had local XXXX office is closed on Sundays. 

Tried contacting Transworld Systems Inc at XXXX, told to call back during normal business hours, which werent given on voice mail. 

Was able to put a freeze on my credit on the XXXX web site and discovered they work on Sundays. Called and was able to initiate a fraud alert and XXXX verified no collection history or unpaid bills on my credit record. Recommended contacting XXXX directly and if they cant confirm debt, report it as fraud to the local police station and when contacted by the XXXX Fraud line report status. 

XX/XX/XXXX Called XXXX at XXXX, told me to call the revenue service at XXXX. XXXX XXXX XXXX confirmed that the invoice did exist, it wasnt for the amount in the Transworld Systems letter and it was paid in full. XXXX also confirmed my name wasnt on the invoice as the sender, receiver or in any other capacity. Without a tracking number, XXXX said they are unable to provide any additional information. I do not have an account with XXXX, XXXX confirmed no record of me owning XXXX money and in XXXX opinion, the letter is a scam. 

I then filed a fraud report with the local Police on XX/XX/XXXX. 

Spoke with XXXX on XX/XX/XXXX. XXXX initiated a fraud alert on my account for one year. Was informed the fraud alert could be extended for 7 years if I forward the police report. XXXX  tried setting up a 3-way call with Transworld Systems Inc, and myself but Transworld redirected and placed us on hold and XXXX  and I eventually gave up. 

XXXX recommended filing a report with the Federal Trade commission, I followed a few links on line and hope this is going to the correct location and if not will be forwarded to the correct location. It is my wish that Transworld Systems Inc, doesnt scare and harass others into paying money that is not owed. 

Thank you for your time
Product: Mortgage

I had a mortgage with Wells Fargo and monthly payment unexpectedly went from {$350.00} to nearly {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I filed a FTC report due to fraudulent accounts on my credit report. There were different social security number and some addresses that didn't belong to me reporting on my profile as well. I filed a dispute with TransUnion, XXXX and XXXX along with FTC report, some accounts were removed but not all. I also noticed several Inquiries were not removed from report. 

I am asking for all accounts to be removed, due to these accounts are not associated with me and is keeping me from applying for credit. 

XXXX XXXX  XXXX XXXX XXXXXXXX letter is attached to prove this company Deleted account but its still reporting on my profile. 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 or other personal consumer reports

XXXX 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.

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 ) Sectio
n 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 XXXX 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 or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer