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

I have been contacting the credit bureaus trying to correct inaccurate information that is damaging my reputation. Not only is it causing damage, it is also unlawful and is a direct violation under the FCRA. 

In accordance with the FCRA : 1 ) Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXXXXXX 3 ) XXXX XXXX XXXX XXXXXXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX XXXX # XXXX have violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation oXXXX Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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: Debt collection

I quit using this credit card while it was under the {$400.00} limit. I don't know how it went from a low amount to collections with a {$590.00} balance. Even if the service charges were applied that would take a lot longer than it did to get the letter from first source
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with EXPERIAN, regarding that an account that is showing on my credit report that I did not authorized to be open. 

The account is XXXX XXXX XXXX XXXX, and EXPERIAN came back saying this is a valid account but did not provide an Affidavit of Debt or documentation that I actually opened the account. The other two credit reporting bureaus removed the account because they were able to verify that this was not my account.
Product: Mortgage

Due to loosing a job back in XXXX, I had to go back on XXXX XXXX and I took a significant pay cut. Before my first XXXX in XXXX, I requested Forbearance coverage and used the mortgage payments to clear out almost all of my outstanding debt and requested to come off of Forbearance but due to being on XXXX, I was unable to get the paperwork they required so I asked for an extension until I came off XXXX. 

I got off XXXX and resumed payments and filled out the paperwork requesting to come off of forbearance and they denied me. I applied again and once again they denied me. I requested mortgage assistance in Texas since I am a Texas State resident and got denied. I appealed and got denied again. While going through all this I continued to make my Mortgage payments on time.

I informed them that I was going to be going on XXXX again and informed them that my Step-Mother would be conducting business on my behalf because being XXXX XXXX XXXX, connectivity can be difficult. I even sent an email and I was told it was fine. XXXX comes around and I'm on XXXX, they don't allow her to make the payment on my behalf. I call when I get a connection and try to make a payment and I was told that my property is in Foreclosure. ( Which is not legally possible because I'm on XXXX ) I contact a XXXX lawyer to represent me since I am still on XXXX and they are refusing to communicate with the lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/2020 in order to try and remove my security freeze. I was on hold over 1.5 hours and no one answered. I am currently on hold 1 hour and 40 minutes. My online account is locked and they refused to unlock my account even though I verified my information. I asked the representative to verbally asked me the questions because the automated voice is hard to understand, which probably caused me to probably be red flagged. The agent refused. I faxed my request and also mailed my request. This is ridiculous because I'm sure it's not that many people calling to unfreeze their accounts.
Product: Credit card or prepaid card

ON XX/XX/20 I submitted a payment for {$100.00} in which they claim a computer error deducted. {$180000.00}. I called CITI XXXX about this payment process on XX/XX/20 was given a confirmation.number XXXX.Made two calls since one on XX/XX/20 spoke to a XXXX Supervisor was told it would take 10 days..Afterthe frist call on XX/XX/20 it would only take XXXX to 7 days to return funds to my account. Last four of credit card is XXXX Check noXXXX please investigate this manner Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have 2 Complaints regarding the problems that i'm recently facing with the 2 reputed credit bureau 's XXXX and Experian but this specific complaint is directed towards Experian.

I was planning to buy a car recently and finance it through a bank/ credit union so i reached out to the respective financial institutions to apply for a auto loan and they did a hard inquiry on my credit report through Experian but they were not able to see anything ( this happened twice with 2 different credit unions ) but when i tried to check my Experian credit score on XXXX and XXXX i was able to see the credit scores from 2 bureaus ( Experian and XXXX ) perfectly fine so i tried to reach out to Experian customer support almost 30 times from the past 10 days so check why i was able to see my credit report while others were not able to, and there was no clear response from their side and all the representatives who spoke to me said that they were able to access my credit report but when i asked them why other people were not able to access anything when they ran a hard inquiry on me they were not able to answer anything So i humbly request you to help me with this situation because i won't have a good future in this country if no one gives me a loan just because of this reporting problem with a credit bureau so i request you to assist me in solving this problem as soon as possible.

I have one more doubt apart from this, the name on my Social Security Card ( XXXX XXXX XXXX XXXX ) is different from the name on my Credit Card ( XXXX XXXX ) which i generally use so i'm suspecting if the difference in name would cause some problem, please give me further insights in this issue as well.

Will be waiting for your Response.

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

On XX/XX/2023, I made a payment to XXXX who collects for XXXX XXXXXXXX in the amount of {$260.00}. It was a settlement payment. I received a paid in full letter but the account still show on my credit report as unpaid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information Under 12 CFR 1006.34 ( b ) ( 5 ) and FCRA 15 USC 1681 To Whom It May Concern, I am writing to dispute inaccurate information that appears on my credit report. This dispute is made pursuant to my rights under 12 CFR 1006.34 ( b ) ( 5 ) and the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.

Details of Disputed Information : Reason for Dispute These account are inaccurate, please delete. 

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 XXXXXX/XX/year> # # # Request for Action : - **Immediate Investigation and Correction** : I request that you conduct a thorough investigation into this matter and delete the inaccurate information on my credit report. 
- **Written Confirmation** : Please provide me with a written confirmation of the completion of your investigation and the results. 
- **Updated Credit Report** : Send me an updated copy of my credit report reflecting the corrected information. 

XXXX XXXX XXXX Legal References : - XXXX12 CFR 1006.34 ( b ) ( 5 ) ** : This section outlines the requirements for the accuracy and completeness of information reported by debt collectors.

- **FCRA 15 USC 1681** : The Fair Credit Reporting Act ensures consumers ' rights to dispute and correct inaccurate information on their credit reports.

Please address this matter promptly. Failure to correct the inaccurate information may result in further action to enforce my rights under the FCRA and other applicable laws. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Mortgage

Dear XXXX XXXX : Thank you for contacting the U.S. Securities and Exchange Commission ( SEC ). 

Please note that mortgage and loan-related complaints generally do not fall within the SECs regulatory jurisdiction. The SEC regulates and enforces the federal laws that govern the sale and trading of stocks, bonds, mutual funds, and other securities. Our website, https : //www.sec.gov, explains what we do in greater detail. 

The Consumer Financial Protection Bureau ( CFPB ) is the government agency that deals with mortgage-related complaints, so we suggest that you contact the CFPB with your concerns. You may submit a complaint by completing the CFPBs consumer complaint form available on its website at https : //www.consumerfinance.gov. You may also contact the CFPB directly at the address and telephone number listed below : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We hope this information is helpful. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Securities and Exchange Commission www.sec.gov www.investor.gov 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  : MY QUESTION HAS TO DO WITH SECURITIZATION OF MY MORTGAGE WITH XXXX XXXX. AFTER SENDING MY MORTGAGE INFORMATION TO A WEB BLOG CALLED XXXX XXXX XXXX ; I WAS INFORMED THAT INDEED MY MORTGAGE WAS ONE OF THE THOUSANDS THAT THE COMPANY ILLEGALLY SECURITIZED. I DID/DO NOT HAVE THEIR FEE TO PROCEED. HOW CAN YOUR ADVOCATE HELP ME? 

... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

BANK OF AMERICA CREDIT CARD XXXX XXXX XXXX XXXX REFUSES TO SEND ME MY XX/XX/XXXX MONTHLY STATEMENT. I ASKED FOR THIS STATEMENT. I NEVER GOT THIS STATEMENT. INSTEAD I GOT AN IRRELEVANT 92 PAGE DOCUMENT. IT IS ATTACHED. THE ATTACHMENT DOES NOT INCLUDE THE XX/XX/XXXX STATEMENT.

BOA ANSWERS QUESTIONS OF ITS OWN CHOOSING. BOA DOES NOT ANSWER MY QUESTION. MY QUESTION IS WHERE IS MY XX/XX/XXXX STATEMENT? 
I DID NOT GET IT. 
I CAN NOT GET IT ONLINE. 

I NEVER RECEIVED XX/XX/XXXX STATEMENT.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have gone through numerous attempts to get all incorrect and misinformation corrected that I have suffered greatly from Experian, XXXX and XXXX companies to try to get my credit profiles corrected for well over the last seven years from experience identity theft. I need help trying to get my life back and with no help or assistance in accuracy in investigations from these supposed to companies to only keep getting included even in their data breaches to suffer even more damage.please help.
Product: Checking or savings account

On XX/XX/20 6 fraudulent deposits were made to my primary checking account. Each deposit was for an amount slightly over XXXXwith a cash back of XXXX. On XX/XX/20 and again on XX/XX/20 a total of 9 deposits of slightly over XXXX were made into my secondary checking account with the same XXXXcash back for each deposit. On XXXX the XXXX when we discovered this fraud we immediately called Chase banks fraud department and filed a report. We were told that our accounts would be frozen and the money that had been withdrawn would be put back into our account by XXXX the XXXX. On XXXX the XXXX our bank closed both accounts and took over XXXX from us. As of XX/XX/20 our bank has not returned our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out and disputed with XXXX, transunion, and XXXX about these accounts on my credit report with XXXX these accounts should be removed. XXXX XXXX is showing a balance of XXXX opened date X/2012 this information is not accurate and should be removed. There are open collections that were removed and recently added and that is against the law, was not notified. Those accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any signed contracts with these companies. Therefore, unless you can provide me documentation from these companies with my signature they need to be removed as they once were before. XXXX XXXX is a closed account as well that was deleted about 1.5 yrs ago and has resurfaced. I have filed a police report on the inquiries that I did not authorize. I have tried to contact bureau but they keep telling me contact company. The company tells me to contact the bureau. I have not applied for or authorized use of my report in the last 2.5 years. Inquiries listed below. 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 Some of these companies have more than 1 inquiry. Someone had accessed my file why would I apply 5 times with same company in less than 6 months? I have disputed this several times with no results from them. Please help, I didnt file a bankruptcy to have the same things on credit or to be a victim of identity theft and be held responsible. My next step will be filing a lawsuit. Thank you.
Product: Credit card

XXXX XXXX, 2015, while making reservations for my husband and I to travel to XXXX XXXX and XXXX online, I made a reservation for a flight between XXXX and XXXX. The flight reservations were made using using the XXXX search engine which transferred me to XXXX, who made the reservations on XXXX Airlines. After making of the reservation using my XXXX Airlines Bank of America card, I received an alert in my email from Bank of America. I phoned Bank of America and was informed that they had declined the purchase because it looked suspicious. I advised to make the reservation again. I tried to make the reservation again, assuming that the XXXX was cancelled due to being declined. The XXXX site would not process my request because of the earlier reservation. So I used XXXX to book a XXXX XXXX flight from XXXX to XXXX. When the flight had been confirmed I made a reservation for a hotel room in XXXX using the XXXX site. It was confirmed. I phoned Bank of America and was assured the purchases would go through. 

Yesterday I went on my online account with Bank of America. The account showed that the charges for the flight and hotel were pending. I phoned Bank of America and was assured the XXXX XXXX purchases would go through, and that I could use my existing card for 30 days. I also called XXXX and was told our hotel reservation was still confirmed. 

This morning I checked my online account with Bank of America. The pending charges were no longer there - they had been declined AGAIN!!! The woman I spoke with, whose name was XXXX was extremely rude. 
I called a XXXX XXXX XXXX XXXX for help and was told that the flights were still confirmed. This means we are responsible for payment of confirmed but declined reservations which are non-refundable. Every time I try to make another flight reservation the cost increases. I am sure the same with the hotel. AND I am not certain if future purchases will be declined again. I do not know what to do. Any help will be greatly appreciated. 
Sincerely, XXXX XXXX
Product: Checking or savings account

okay the company closed my checking account bc they foud a fake check deposit to the account but they dont care nothing i not called them bc i was thing was a spamm messege but when i got the suprice on the mail they told i deposit a fake check into my account about {$1000.00}, them i was so nevers bc i was XXXX when my dads open my acount i cound get the check bc i not XXXX i not pay taxes for the check i was younger i dont was working at moment so they closed my account them when i want to open to new bank account i cant bc i on XXXX XXXX XXXX and i XXXX  what I want is to delete that thing on my Name actually somene was stelling my dads car and theirs was my NSS and my Certificate i think thats how they got my personal information or something them a move to other country and i cant to conctac to the IRS to see what i can do for recovery my personal information pleases help me i want my name free of that staff
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a late payment report for the account referenced above, which I believe is inconsistent with the provisions outlined in 15 U.S.C. 1666 ( b ) of the Truth in Lending Act ( TILA ). Under this statute, creditors are required to report accurate and timely information regarding consumer payments and can not report a late payment until a certain period of time has elapsed, and certain procedures are followed.

According to TILA, creditors must issue a billing statement that provides a clear due date for payment. Additionally, they are prohibited from reporting a payment as late if it is made within a reasonable timeframe from the due date and after the billing statement has been properly issued and received
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes asking Transunion asking them to verify of immediately remove this collection from XXXX XXXX from my credit report that I have no knowledge of. During my second attempt that was submitted on XX/XX/2020 they never sent me any notice whether it was verified or removed so I signed up for their subscription that showed they updated the account on XX/XX/2020 just days later without any full investigation. I have sent notarized letters asking numerous times along with a copy of my driver 's license and social security card. XXXX and XXXX has removed this account.
Product: Debt collection

XXXX  is charging me for a service i have not used after i paid the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is violating my FCRA rights and the credit bureaus are allowing them to report inaccurate information. This is for 2 loans that I have. A close date only reports on Transunion. There isnt any on XXXX or XXXX. The original contact was with XXXX XXXX. If this company doesnt remove the accurately report this or remove the account within 30 days, my attorney will file a lawsuit in XXXX XXXX, GA for violating my FCRA. XXXX should remove because they violated all inaccuracies in XXXX. The last activity date on XXXX is XX/XX/XXXX but is XX/XX/XXXX on Transunion. No DOLA activity is shown on XXXX. The terms arent shown on Transunion. The other account shows XX/XX/XXXX and XX/XX/XXXX as the close dates. A high balance isnt shown on XXXX In addition, a 90 days past due is constantly reporting on XXXX and XXXX. There shouldnt be any delinquencies after the close date. Also, why are there any 30 or 60 day late payments? Where is the payment history from XXXX until now? Shouldnt the account be removed from the first date of delinquency. If you check XXXX XXXX credit report there are delinquencies from XXXX which means this account should be immediately removed and not in XXXX. This historical information is incorrect and reports a past due amount and does not show history from XXXX. This account has many issues which can be proved in a court of law. Plus this creditor continues to validate inaccurate information.