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

We paid off a mortgage loan with PHH Mortgage in early XX/XX/2019 but they refused to confirm that payoff to our new prospective lender for almost 60 days during which time they reported our loan payments as delinquent. They have since acknowledged that error and claimed they instructed the credit bureaus to revise our history to eliminate the delinquency. 

Our issue is a simple one. It is now 90 days since PHH Mortgage promised to fix their error and yet the credit bureaus still report our fraudulent delinquency. PLEASE tell us what we need to do to finally provide a remedy for this illegal activity on the part f PHH Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 those account 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 XXXX  days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  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: Debt collection

medical bill for my daughter that is being duplicated twice on my credit report ... ..have asked 6 times now for multiple documents that they should have to validate a debt and they can not provide them.
Product: Credit reporting

The company originally had my account listed right but since has changed it to being wrong again. : / I just wish they could get the reporting of accounts right
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Product: Debt collection

I have a a unverified account from SUNRISE CREDIT SERVICES. I had previously disputed this account. I have never done business with SUNRISE CREDIT SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g ,806. Harassment or abuse, I dispute the validity of the debt purport I owe. I request that SUNRISE CREDIT SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.
Product: Vehicle loan or lease

We sold our car that had a loan with Wells Fargo Bank in the end of XX/XX/2021, and the the loan was paid in full no later than XX/XX/XXXX. The loan has still not reported onto my credit as paid in full as of today, XX/XX/2021. I am obtaining a home loan and need a paid in full letter so I called Wells Fargo loan on XX/XX/2021, and was told I would have the letter in my email this morning on XX/XX/2021. I have not received it so I called Wells Fargo Auto and was told it would be taking 72 hours and the rep advised that she can put another request in but she is " unsure '' if it will cancel my request and make sure I don't get one. This is unprofessional and uncalled for! I would appreciate if you could assist with this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings. 

I sent a disputes letters to the credit bureaus sunch asXX/XX/XXXX, Equifaax and XX/XX/XXXX but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Product: Credit reporting

I have paid the debt in full and was told by creditors that this would be removed from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I booked a stay for XXXX for XXXX XXXXXXXX through a 3rd party XXXX. Per policy, any changes of reservations is to be done through 3rd party. I needed to change the dates of stay to XX/XX/XXXX. I was in the timeframe of penalty. I reached out to XXXX to see if there was a chance to make the changes without charge. XXXX reached out to the hotel. I was told they were going to allow me to change the dates without a penalty. I specifically told XXXX I would only change the date as long as I would not be charged. They gave me confirmation that they will allow this without a charge. I completed my stay on XXXX and paid {$980.00}. Upon checking my bank statements I noticed a charge on XX/XX/XXXX for {$480.00}. I contacted the hotel who stated I was charged for a no show. They stated that I never cancelled my reservation therefore I was charged for a no show. I explained to them that I did cancel. They declined to hear any further and told me to speak with the 3rd party. I spoke with the third party, XXXX multiple times. Via the online chat services and on the telephone. I have been told that the XXXX staff spoke with a XXXX at the XXXX XXXX and gave the okay to cancel. However, XXXX confirms there is an employee with this name but they deny notes being made. They refuse to refund me the charge. XXXX is not charging me and has issued a refund however the charge is from XXXX. I have filed a dispute and have been denied. I have spoken with several team members at capital one who all deny my dispute. I am stuck in the middle of two companies who refuse to admit their wrong doings. I cancelled and was given the okay to cancel without charge. I was charged incorrectly. They are charging me for a no show but I did cancel appropriately. Capital one is requesting a document directly from XXXX but this not realistic or possible when booking through a 3rd party.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I looked at my credit and noticed some inaccuracies. I sent a letter to Equifax on XX/XX/year> asking them to investigate these accounts XXXX XXXXXXXX XXXX XXXX. I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the grace period : My records indicate that the payment for the due date in XX/XX/XXXX and XX/XX/XXXX was submitted on time, which falls within the creditor 's 15-day grace period. This makes the " 30 days late '' reporting inaccurate. 
No notification of delinquency : I never received any notice or communication from XXXX XXXX regarding a delinquency, which is required by law before reporting a late payment. 
Evidence Provided : I have attached bank statements showing the payment was processed and confirmation emails from XXXX XXXX verifying the receipt of the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am the holder of Zion 's Bank ( " Zion '' ) checking account number XXXX. 

I DO NOT HAVE OVERDRAFT PROTECTION. 

Perusal of my bank records reveals a selective approval of charges, mostly amounts fewer than {$10.00}, which incurs {$32.00} overdraft charges. 

Since I do not have overdraft protection, the approval of funds is purely discretionary. The bank continues to approve charges which are of a lesser amount to maximize the profit gained via {$32.00} fees. 

In fact, the bank willfully and deliberately ignores its own policy enshrined in contract that " forgives '' overdraft charges where the amount in question is fewer than {$10.00} I have filed multiple complaints against Zion and  even secured a {$190.00} settlement. However, it now appears that the bank is engaging in retributive action and endeavoring to recover the settlement amount ( and much more ) by punitive imposition of fees. 

Throughout XX/XX/2018, I have paid {$380.00} in overdraft fees. I REPEAT, I DON'T HAVE OVERDRAFT PROTECTION. Thus, each and every transaction approved while my account lacked sufficient funds was purely discretionary. EACH AND EVERY TRANSACTION IN QUESTION WAS FEWER THAN {$10.00} WHICH BY THEIR OWN POLICY SHOULD NOT INCURR FEES. 

Throughout XX/XX/2018, I have paid $ XXXX overdraft fees. I REPEAT, I DON'T HAVE OVERDRAFT PROTECTION. Thus, each and every transaction approved while my account lacked sufficient funds was purely discretionary. EACH AND EVERY TRANSACTION IN QUESTION WAS FEWER THAN {$10.00} WHICH BY THEIR OWN POLICY SHOULD NOT INCURR FEES. 

Zion is engaged in a willful and deliberate pattern of behavior whereby minor charges are approved in a bid to maximize Zion 's earning through the OverDraft fees process. And this pattern persists even with the accounts of holders who have opted out of Overdraft protection. 

Furthermore, Zion persists in " stacking '' transactions so that OverDraft fee liability ( even for holders who've opted out of it ) would be incurred resulting in unseen and undeclared charges to holders tantamount to illicit conversion of the funds of account holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive discovered with my credit report on file. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting this issue with TransUnion for a long period of time. TransUnion is obligated by the FCRA to report accurate accounting/information ; however, they have failed to do so and is in violation of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681b ( Permissible purposes of consumer reports ), and 15 U.S. Code 6802 - 6805. TransUnion was advised that ALL inquiries reported was fraud via phone, however they refused to remove any of the items. I have disputed several items that are currently being reported ; particularly XXXX XXXX XXXX XXXX Account XXXX which is a charge-off account. Per the LAW a charge-off is a certification of indebtment, which means is it is income and must be removed. The law also states that it is illegal to report any transaction history. I was advised by TransUnion, that the account was verified as accurate by law 15 USC 1681 ( e ). However, the information reported is still inaccurate and inconsistence with all other credit agencies. Under the SEC TransUnion is liable to follow certain rules under the TransUnion XXXX File Number XXXXXXXX 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 TransUnion is securitizing my consumer data ; however, they continue to refuse to provide a copy of of my CONSUMER FILE, not the CONSUMER REPORT. 

I have attached a copy of what is being reported for this XXXX XXXX " charge-off '' account from TransUnion as well as XXXX. Please note that XXXX has already removed this account from my credit report.
Product: Credit reporting or other personal consumer reports

Based on Fair Credit Reporting Act I have unknown inquires on my credit report that are 100 % inaccurate and the agencies have not removed them : Here are my steps : I called the Fraud department for the below Credit Agencies : XXXX XXXX XXXX Transunion XXXX XXXX After speaking to someone at each of the agencies about what I consider possible fraud since I don't recognize any of the extra inquiries on my credit report I was informed that the ones I have listed would be removed immediately. It has been 42 days that I have been waiting patiently and I decided to check today only to my surprise they are still there!!! 

I have been beyond patient yet my rights continue to be violated. I am about to lock all of my credit reports but The following listed below are the inquiries that are fraudulent : 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

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix the problem on my report.
Product: Credit reporting or other personal consumer reports

Ref : Account XXXX JPMorgan Chase Auto is obligated by the FCRA to report accurate accounting. The consumer demanded validation for this account on XX/XX/XXXX, and JPMorgan Chase failed to provide validation. Therefore, this account is inaccurate, incorrect, and unverified. According to the law, the said company did not validated the account in a timely manner nor did it remove the account from the consumer 's report. The consumer is now requesting that JPMorgan Chase Auto provides all documentation submitted to furnish the said account to consumer reporting agencies, verifying this account as accurate. Further, the consumer is requesting all documentation that shows verification of this account was sent to the consumer when they requested validation, together with tracking information and a copy of the 1099-C form. JPMorgan Chase has 15 days to provide this information. The consumer is also exercising their right to opt-out from any and all authorization that they may have given to JPMorgan Chase , whether written, non-written, verbal, nonverbal, or electronic. The consumer is asking for proof of their acknowledgment that they have ever given JPMorgan Chase authorization to report their nonpublic personal information to third-party non-affiliates such as Consumer Reporting Agencies . Even if JPMorgan Chase has proof of such documentation, the account must be removed as soon as possible, as the consumer is opting out as per 15 U.S.C. 1681a, 15 U.S.C 1681b, 15 U.S.C 6801, 15 U.S.C 6802, and 16 CFR 313.7. This reporting may constitute fraud and possible tax evasion, as it is not a verified account. The consumer called the IRS on XX/XX/XXXX, and asked for records of a 1099-C submission by JPMorgan Chase . The IRS agent looked through the consumer 's transcripts and found no record of the said 1099-C form. The IRS agent informed the consumer that an investigation will be conducted to ensure that JPMorgan Chase is following proper procedures when discharging a debt.

15 U.S.C. 1681a - U.S. Code - Unannotated Title 15. Commerce and Trade 1681a. Definitions ; rules of construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies According to the IRS Publication 4681 ( 2023 ), The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
JPMorgan Chase & Co. file number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX JPMorgan Chase 's headquarters is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Trustee . I will be filing form 211 treasury mob forms to audit consumers account and a FTC fraud report if this matter does not get resolved in 21 calendar days.
Product: Debt collection

On XX/XX/year> I sent NCA a letter for debt validation on an item appearing on my credit reports. They received it on XX/XX/year>. I did not receive a response so I mailed another letter on XX/XX/year>, they received it on XX/XX/year>. I did not receive a response so I notified all XX/XX/XXXX credit reporting agencies, sent them copies of all correspondence, and waited for a response. The collection company verified it as accurate. I have not had a response from the collection company as of date, so I asked the credit reporting agencies to send me the proof that the collection agency sent them but they refused.
Product: Debt collection

Beginning on XXXX XXXX  I have received phone calls ( voicemails ) from a gentleman telling me he is on his way to my home /employer to collect money for a debt. He did not identify the debt or what company he was representing. He is calling from a blocked number. He gave me a number to call but no information on who I would be calling. I did not call this number. I tried to identify the number online to see if it was a legitimate number. ( XXXX ). This number did not appear in a reserve number check. 
I feel threatened by someone saying that they would be coming to my house to collect a debt that I am not aware that I owe.