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

Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/XXXX in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments onXXXX XXXX XXXX XXXX XXXX XXXXXXXX - This account is reporting incorrectly.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 



As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 



Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.

I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any XXXX XXXX credit cards account as of now, but Equifax claims that I have 3 XXXX accounts under my name, tried to contact Equifax but was unable to get my phone call transferred to any representatives, I also file a paper dispute form by mail in XX/XX/2022, never receive any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised in late 2016, as a result more than 50 attempts have been made to obtain credit in my name. I have contacted all of the National Credit Reporting Agencies by certified mail disputing the inquiries, having provided them evidence of my identity, as well as a copy of the police report filed about my identity being compromised. In a very detailed letter I disputed each of the fraudulent attempts to obtain credit in my name, as the inquiries are having a negative impact on my credit and attempts to obtain legitimate credit. Each bureau has stated that the inquiry is a matter of fact, and though they are the fraudulent, they will continue to report them for 2 years, and they will not take steps to validate if their subscriber had a permissible purpose to access my credit.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  In accordance with the fair credit act XXXX  XXXX XXXX XXXX, has violated my rights. 

15. U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without instructions 15 U.S.C 1681c ( A ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report 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 to be inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS IN REGARD TO AMERICAN EXPRESS ACCOUNT # XXXX THAT WAS OPENED ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX THAT IS SHOWING AN AMOUNT PAST DUE AND CHARGED OFF OF USD XXXX. WHEN I HANDED THE ACCOUNT OVER TO THE XXXX XXXX XXXX ASSIGNED CONSERVATOR, THE ACCOUNT HAD A XXXX BALANCE AND I HAVE NO IDEA WHO MADE CHARGES ON THE ACCOUNT ACCRUING TO USD XXXX OR IF THESE WERE THE RESULT OF ANNUAL FEES FOR THE AMERICAN EXPRESS PRODUCT. 

IN ANY CASE, I HAD NO ACCESS TO THIS ACCOUNT AFTER MR. XXXX XXXX FORWARDED ALL MY MAIL AND ANY REPLACEMENT CARDS SENT TO HIS OFFICE AT XXXX XXXX XXXX XXXX, XXXX MI XXXX AND SAID HE HAD CANCELLED OFF ALL MY CREDIT CARD ACCOUNTS AND SEIZED MY BANK ACCOUNTS. 

I WARNED THE AMERICAN EXPRESS REPRESENTATIVE I SPOKE WITH THAT THIS CARD COULD POSSIBLY BE ONE OF THE CARDS IN MY CAR THAT WAS AUCTIONED OFF AND THE REPRESENTATIVE INFORMED ME THAT NEW CARDS WILL BE RE-ISSUED AND THAT I AM NOT LIABLE OR RESPONSIBLE FOR CHARGES THAT I DID NOT MAKE OR ARISE FROM FRAUD. 

I HAVE NO WAY OF TELLING WHETHER THE BALANCE IS ACCURATE OR WHETHER THOSE CHARGES WERE MADE BY SOMEONE OTHER THAN MYSELF, FOR INSTANCE MR. XXXX XXXX AS ALL THE STATEMENTS GOT FORWARDED TO HIS OFFICE AND I WAS NOT ALLOWED TO VIEW THEM. 

I DO REMEMBER THAT THE FIRST THING I DID AFTER GETTING OUT OF THE HOSPITAL WAS TO MAKE PAYMENTS ON ALL MY CREDIT AND CHARGE CARDS FOR FEAR THEY WERE 1 MONTH LATE AND MIGHT AFFECT MY CREDIT HISTORY AND I USUALLY PAY ALL MY CARDS IN FULL EVERY MONTH AS SHOWN IN MY CREDIT HISTORY AND SO I AM NOT SURE WHY THERE IS A USD XXXX BALANCE ON THIS CARD AND IF THEY WERE DUE TO ANNUAL FEES OR CHARGES MADE FRAUDULENTLY OR BY MR. XXXX. 

IN ANY CASE, THE AMERICAN EXPRESS REPRESENTATIVE SAID I WILL NOT BE LIABLE OR HELD RESPONSIBLE FOR CHARGES NOT AUTHORIZED BY ME INCLUDING FRAUDULENT CHARGES AND YET THESE CHARGED AMOUNTS ARE APPEARING ON MY CREDIT HISTORY AND RECORD EVEN AFTER I TOLD THE REPRESENTATIVE THAT SOMEONE CHANGED THE ACCOUNT ADDRESS AND I AM NO LONGER IN CONTROL OR POSSESSION OF THE AMEX CARD. 

AS SUCH, I COULD NOT POSSIBLY HAVE MADE THE CHARGES THAT ACCRUE TO USD XXXX SINCE I LOST ACCESS TO THE ACCOUNT UPON MR. XXXX XXXX TAKING OVER SOMETIME IN XX/XX/XXXX. 

AS SUCH, PLEASE REMOVE THE PERIOD THAT I AM NOT RESPONSIBLE FOR THE ACCOUNT AND THE NEGATIVE ITEMS OFF MY CREDIT HISTORY.
Product: Mortgage

Back in 2007 i was out of work and behind on my payments. Wells Fargo put into the HAMP program, but in the process they over charged me for my loan. They took all my payments and put in on the back end for a 40 year mortgage. My loan amount went up way much higher than is should of. It went from XXXX to XXXX XXXX. At the time they made it sound that the amount correct, because it included back payments and back years of property taxes. Upon further review years later. It turns out that I was WAY over charged. I've tried numerous times to get help from Wells Fargo, but they told me they can not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 items 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 alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX
Product: Mortgage

my initial mortgage was with XXXX XXXX. tbey sold to XXXX or XXXX. now it seems to be TIAA the problem is the loan modification did not reflect 10+ years of payment. it cites the original loan of XXXX plus 2 years of back pay. 

payments were made. i tried bankruptcy 2 times. each time the lawyers failed. one dod not make payments. the sconond lawyer also failed. made copies of 1st bankruptcy. then the XXXX XXXX court in XXXX garnished 150 % of my wages before anu scheduled court hearing. the payments were again not made and the lawyer failed to tell me of any thing. i was stuck to never know then was harshly accused by staff at court i proceedings i was not part of. 

the loan modification i am trying to do. the words keep changing and the phone number they ( TIAA ) changed purposely. i have court notification of 2 lawsuits against XXXX XXXX bankruptcy court and XXXX lawsuit on XXXX/XXXX. 

the companies representing XXXX are bankrupt and out of business. 
big fiim in XXXX. collections agency also out of business. 

i submitted all my documents. i have been trying to get hud or certified counselors. they failed on the message and argued with me citinv i was wrong. 
i have documengs of each company coted. XXXX XXXX, XXXX/XXXX and tiaa. each different amounts with rears tha are more than my orgonoal mortgage amount it seems.

this is wrong. the threats. the wrong and illegal misjandling from government officials who took oath and this deal with tiaa. 

i also question your counselors. the paperwork needed and the illegal acts of many eho require money that is is XXXX minimum to help. 

i am not a millionaire. i can sell this and have a house that should be worth much more than they say. i only want my life back. to be hurt emofionally and mentally thst took a toll on my pbysocal health is killing my body. an onset of XXXX from overworking last year and the garnishment that went and was hidden to go back to the courts. 

all illegal and i am praying in your care that this gets stopped. banks and illegal government proceedings. i am resilient. 
i will co tinue my paperwork. i am looking into lawyers so they will be held to the highest standard woth cleari g my name in every way. 

my home is mine. i did nothing wrong. i trusted the system broken. now i am being punished for their corrupt ways. please help. 

thank you!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I recently obtained a copy of my credit report and found the following accounts to contain inaccuracies that must be removed immediately as they are either outdated, incorrectly reported, or unverifiable. 

XXXX. XXXX ( XXXX ) Incorrect Late Payment Reporting Issue : Inconsistent late payment reporting across bureaus. The dates of late payments differ between credit reports, which is an FCRA violation ( FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Action Requested : Delete the late payment history or provide proper documentation showing correct reporting across all three bureaus.

2. XXXX XXXX Account Closure & Negative Mark Reporting Issue : This account was closed at my request, yet it is still reporting a negative payment history, which violates FCRA 15 U.S.C. 1681s-2 ( b ).

Action Requested : Either update this account to " Closed in Good Standing '' or delete the entire trade line. 

XXXX. XXXX XXXX Overstated Balance & Charge-Off Discrepancy Issue : This account is reporting a balance higher than my credit limit ( 129 % utilization ), which raises suspicion of an improper interest calculation or illegal overstatement. 

Action Requested : Provide proper verification of how this balance was calculated or delete the account entirely for inaccurate reporting. 

XXXX. XXXX XXXX ( XXXX XXXX  ) Failure to Update Balance & Charge-Off Date Manipulation Issue : The reported charge-off date does not align with my records, suggesting re-aging to extend the negative impact longer than legally allowed ( FCRA 15 U.S.C. 1681c ).

Action Requested : Remove this charge-off due to failure to comply with accurate reporting laws. 

I am filing this complaint against XXXX XXXX  for inaccurate credit reporting and failure to verify my correct address under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. The account in question is incorrectly tied to an address that I never resided at, which violates federal requirements for accuracy in credit reporting. 

I have disputed this issue with the credit bureaus and the creditor, yet XXXX XXXX  has failed to provide proper documentation proving that this account belongs to me at the stated address. Since the FCRA requires that all reported information be accurate and verifiable, and since this account is linked to a false address, I request that this account be immediately deleted from my credit report due to failure to comply with reporting laws.
Product: Credit reporting or other personal consumer reports

I do not know these hard inquires so please remove these from my credit report. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Several fraudulent charges were made on my Sam 's Club Mastercard around XXXX or XX/XX/2020, for a combined total of {$370.00}. This was reported in XX/XX/2020 to Synchrony Bank, the card issuer. They cancelled and replaced the card, but transferred the fraudulent charges to the new card. Despite multiple phone calls to the fraud department since then, and the filing of a fraud report form, they continue to bill me for a part of the charge, and interest. They initially falsely claimed that the charges were not fraud, and that the merchandise had been delivered to my house ( muscle building supplements, I am a XXXX XXXX XXXX woman, I absolutely did not buy this. ), but they were unable to provide tracking numbers or any carrier information, and I think they have backed down from that claim. 
Basically, this is a fraudulent charge, carefully reported to the bank immediately, and re-reported to them with every subsequent bill, and they refuse to remove the charge from my account.
Product: Checking or savings account

Navy Federal Credit Union ( NFCU ) allowed one of their customers to fraudulent deposit 3 checks that were returned to me as overpayment. The checks went to an old address and I had no knowledge of it. Once I was given copies of the checks by the State of Georgia I reached out to the NFCU to make a fraud complaint. They found out who deposited the check, they wouldn't tell me who, but refused to give me my money back. They told me to go back to the check issuer and even to go back to the bank that issued the check. Why not go to your criminal customer and get my money back? They told me they have flagged the account and nothing else. 

I posted a review on XXXX and they, of course, troll those sites. They told me to reach out on social media and again nothing. They stated that I should contact the issuer of the check. It's a shame that the media can get done what a simple everyday customer can't. Businesses should not worry about their reputation only when it's negative in the media. If they worried about the complaint when it came in then it usually wouldn't get to the media. 

I have filed a police report but of course this is a low priority on their totem pole. NFCU should just do the right thing and return fraudulent gained money. 
I don't have an account with them but my wife does. This transaction has nothing to do with her account. The criminal just happened to bank at the same institution she does.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX
Product: Debt collection

Portfolio Recovery calls me repeatedly during the day and as late as XXXX at night. They call from dozens of numbers from all over the country. I have repeatedly asked to stop being contacted, as the person they are looking for is not me. The representatives are sometimes rude and hateful and ask for personal information.
Product: Mortgage

Chase is unwilling to provide reinstatement and details of charges they have been adding to the loan amount to me. I have asked numerous times and still do not have the paperwork. They refuse I am still trying to work with oregon HAF and provide the details they need to them but cant get them and Chase is still pushing to foreclose.