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

Purchased a new XXXX truck around XXXX of XXXX. XXXX was totaled in auto accident XXXX of XXXX. XXXX XXXX received money from insurance company and released vehicle. A small balance was left but no statement was sent to inform me of the balance. 90 days passed before I was made aware and XXXX XXXX had flagged my acct as 90 days past due. I immediately paid the balance in full. I have disputed this numerous times and spent countless hours on phone with XXXX explaining the issue to no avail. The acct also continued to show {$0.00} past due after balance was paid in full. Please have the XXXX accounts removed from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Dear Trans Union RE : Auto dealer Inquiries I am writing about car dealer inquiries date XX/XX/2023. The two inquiries are to be deleted from my credit report are the following : XXXX XXXX XXXX XXXX These two inquiries are non-permissible because the only inquiry that I have an actual account with is XXXX XXXX 

Pursuant to the FCRA, the term permissible purpose is the actual account in relation to the request or the expiration thereof. Dealer inquiries are to be removed because they are considered one inquiry per the credit grantor although multiple requests were states as " soft Inquiries. '' You must delete these two inquiries from my file due to absent written authorization required by law. XXXX XXXX  and XXXX XXXX on XX/XX/2023. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXXXXXX 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 XXXXSC 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 ( MONTHS REPORTING LATE ) 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 XXXX637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXXXXXX 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: Credit card or prepaid card

I submitted disputes for the month of XXXX. They have on record. Then they sent required paperwork to wrong address 4 times. After I corrected. Locked.me out my account three times because the guilty party. Changed the account information. They have tied me up 100 hours in their automated nightmare in obvious attempts to get me to just give up all together so that they don't have to give me the money that is insured by the Federal deposit insurance corporation. This is my XXXX money given to me by the government and if not for the fact that I was XXXX no regular American consumer would ever have the time I've spent on these phone with these people trying to get my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two personal update letters to Experian requesting that they only report my current address. I asked that anything not listed as current be removed from my file. Experian has not budged on deleting old, inaccurate addresses off my file. I can not receive mail from the United States Post Office at these inaccurate addresses.
Product: Debt collection

To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years of employment purposes. 

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation.

Be advised that the description of the proc
edure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have seen this incorrect information in my credit report several times over the years. 

I have never worked at XXXX XXXX XXXX in XXXX CA. 

Please remove that employment information from credit reports. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}.

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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- STUDENT ACCOUNT 1. XXXX  with ACCT # XXXX opened on XX/XX/2006 with a balance of {$3300.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Credit card or prepaid card

I have previously filed a complaint against Discover. I am getting this as a response from them : Executive Office of Discover Financial Services Tue, XXXX XXXX, XXXX XXXX  ( 18 hours ago ) to me Dear XXXX XXXX XXXX : Thank you for your correspondence to the Consumer Financial Protection Bureau and the Office of the Arizona Attorney General. To ensure your concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. 

If you have any questions or would like to discuss your concerns, please feel free to contact me at XXXX, weekdays from XXXX XXXX to XXXX XXXX, ET. 

Sincerely, XXXX XXXX I have called Discover at this number well over 50+ times. I am never able to get a hold of XXXX XXXX. I have called from different phone numbers, I have sent e-mails, I have sent written correspondence to Discover and to XXXX XXXX 's attention, no response. Discover has flat out advised me they will not assist me because I contact the CFPB. Where is the oversight? Where is the accountability for this company to act illegally, unethically, and flat out rude and deceptive at every interaction at every level within this organization.
Product: Mortgage

XX/XX/XXXX I closed on my first home with a two income family. I was in a same sex marriage that didnt last so I got divorced and was remarried in XX/XX/XXXX, to my currenthusband. In XX/XX/XXXX, my husband lost his job due to XXXX XXXX XXXXssues. In XX/XX/XXXX I filed for forbearance help due to covid. Thinking I was able to keep my home, but actually was not able to, I notified my mortgage co about my bankruptcy and even told them when I was XXXX from XXXX ( XX/XX/XXXX ). My XXXX lawyer has sent the info USBank as directed, multiple times. Many phone calls and many many different representatives giving replys and directions on what they want me to have done to get a deed in lieu. So XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX documentation asking for the application for deed in lieu was submittedby XXXX XXXX XXXX XXXX XXXX and XXXX. I have copied, signed and sent in every single thing I was asked to provide. I finally got the application to file for the deed in lieu. Filled it out, signed, attached documents and ink signed, I sent it all to the direct email of USBank for documentation to them ( per their request ). As of today, XX/XX/XXXX, they want something else now, that makes no sense. I submitted the quit claim deed they asked for on the house and that isnt good enough, even though that is exactly what they asked for. I have on many occasions told them I have mental illness and that THEY ( usbank ) are causing me XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Causing an increase in my XXXX XXXX And for what ever the reason is, usbank will NOT approve anything to get this case closed. I have an fha loan and now USBank wants something that was already provided. I've been continuously Trying to resolve the issue very much so, I called today and was cut off, talked over and transferred four times, XXXX, XXXX, XXXX and XXXX are who I spoke with. None of which were able to help resolve this with them. Two managers, XXXX XXXX and XXXX XXXX have had many messages but not one return phone call. I personally asked ms.reynolds for the paperwork needed to give the house back because I was unable to resume payments, and never got those papers either. I have been on the phone with them over an hour just today. I am on XXXX XXXX XXXX and only get a monthly check to live on. This situation is causing extra stress with the bank threatening a lien on the property because a past due water bill ( that I've been trying to get help paying ) also, my electric bill was tripled due to the last bill tacked to my new bill, and I'm on a heap/pipp budget that just got approved. It has been nothing but XXXX XXXX XXXX XXXX XXXX  USBank. I am not sure how much more I can personally take, before having another XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've asked that this account be deleted from my equifax Credit report because payments were met and it's still revolving monthly on equifax credit report. Equifax is the worst about removing old information from consumers reports. I disputed this se account with experian and it was deleted, so it should be deleted from the rest. Frankly, I'm tired of looking at the same old accounts each month on my credit report. I want this Deleted.
Product: Debt collection

This creditor/collection agency is re-aging this account as if it is new debt and is illegal under the FDCPA and the FCRA. The debt is much older and statute of limitations has elapsed on this debt. This company is showing this on all 3 of my credit bureaus as recent debt. 
This agency admits to getting the loan in XX/XX/XXXX. However, the delinquency was in XX/XX/XXXX. This is still reflecting on my credit report as XX/XX/XXXX, which is still violating FCRA and FDCPA.
The agency states the loan was done in XX/XX/XXXX. The original debt was created in XX/XX/XXXX, which is 7 years ago.  This exceeds the credit reporting timeline. The agency should provide my initial original loan application with my original signature. The agency continues to report inaccurate date and has yet to provide proof of debt. The agency continued to harass my with calls and threats to destroy my credit. The did not state who was the original creditor. It appears they did not care until I filed these complaints. 
I need to see a copy of this agency 's surety bond per the Texas Finance Code. In addition, XXXX was under investigation from a probe by the US Federal Reserve and Office of the Comptroller of the Currency found that there was " significant potential for unreported money laundering or XXXX financing, which they admitted and paid a fine. This debt is invalid due to it being associated with criminal activity. My initial loan was with XXXX it was not with XXXX XXXX. All documentation this agency continues to send it with XXXX XXXX. I have no application or contract with XXXX XXXX. This debt is not a valid debt as there was no mutual agreement with XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I charged {$1000.00} for a deposit on a trip. Due to COVID, we cancelled the trip. In the meantime, I paid off this account and closed it because Chase Bank has some shady business practices. 

On XX/XX/XXXX, the tour company credited {$1000.00} back to this credit card even thought it was closed. I have confirmed through transaction ID XXXX that Chase Bank was the refund and will not return it to me. Inhave called them 7 times and because it isn't an active account, nobody retains the information. They make me start the process all over each time. I still do not have the refund. I want it returned with 24 % interest and late fees at this point.
Product: Mortgage

I was one month behind on my payment. In XXXX I was put on XXXX  XXXX  XXXX due to a number of health problems and my pay was not correct, so I was short and couldn't make a payment in XXXX, which put me 2 payments behind. I spent most of XXXX and XXXX in the hospital. When I was finally home around XX/XX/XXXX, I sent a payment of {$1500.00} and my regular payment is {$1200.00} to show that I was trying to get caught up. I went to make another payment in XXXX and realized that Loancare had sent back {$1000.00} of the {$1500.00} and kept {$500.00} for late fees. which put me even further behind. I called in XXXX to find out why they sent the {$1000.00} back and they said to avoid foreclosure they needed a total of {$3700.00} by the end of XXXX. I had to wait until I got paid on XX/XX/XXXX to have the full amount they required. I called on XX/XX/XXXX to pay the {$3700.00} and I was told my home was placed in foreclosure on XX/XX/XXXX. They said my only option was to try to get on a repayment plan. So I downloaded the hardship packet and emailed the completed packet on XX/XX/XXXX to the email address I was provided, XXXX. I called on XXXX to confirm my documents were received only to be told that I sent them to the wrong email address and I needed to email to XXXX. This company is very difficult to work with and have policies in place to keep the customer in default by returning partial payments and doing what they want with the rest.
Product: Debt collection

I have been contacted by a company that I do not know for several months. There has been repeated phone calls, text messages and phone calls from various numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, EXPERIAN, XXXX ) TO REPORT INFORMATION ON MY CREDIT REPORT THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

NEW YORK LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS SIX YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 



Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115  F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).
Product: Credit card

I applied for a Macy 's credit card a long time ago and recently the Macy 's in XXXX CA. on XXXX XXXX informed me that I had a rewards card and a store credit card and I could use my store credit card if I provided my I.D . when I shop if I do not have my plastic card. I tried to do it and they told me they could not find it and they refused to give me a refund for a jacket I purchased and wanted silk lining instead of the kind it had.bIt was a black leather jacket around {$330.00} usd. ; It was on sale and only a few days after I purchased it I tried to return it and I was informed they would cash refund me but they needed to get so e more cash in the register. XXXX came and refused and I was informed by the president she did not work there really and she did not have on a name tag. I need compensation ect,. because I needed a warm jacket to replace it. I still need my Macy 's credit card also. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payments or account. You are reported totally different or missing information on my XXXX XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$800.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX Balance {$590.00}