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

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. The last active dates for this specific account are still inaccurately and inconsistently reported on all my three bureau credit reports. The information must not only be accurate but also consistent for all three bureaus. 
XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. Medical accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you authorization to report sensitive medical information. 
XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION For EXPERIAN 1. The last active dates for this specific account are still inaccurately and inconsistently reported on all my three bureau credit reports. The information must not only be accurate but also consistent for all three bureaus. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. Medical accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you authorization to report sensitive medical information. 
XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 3. Why are the dates listed under Last Activity not consistent on my XXXX XXXX  and Experiian reports? The information is from one and the same creditor so I don't see how there is a disconnect in the information you supplied on my credit report. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. This is a collection account so the balance should be {$0.00} but why am I particularly seeing a balance amount of {$1300.00} on my report? 
XXXX XXXX Account Number : XXXX DELETE THIS! 

For XXXX  1. The last active dates for this specific account are still inaccurately and inconsistently reported on all my three bureau credit reports. The information must not only be accurate but also consistent for all three bureaus. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. Medical accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you authorization to report sensitive medical information. 
XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 3. Why are the dates listed under Last Activity not consistent on my XXXX  XXXX  and Experiian reports? The information is from one and the same creditor so I don't see how there is a disconnect in the information you supplied on my credit report. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. This is a collection account so the balance should be {$0.00} but why am I particularly seeing a balance amount of {$1300.00} on my report? 
XXXX XXXX Account Number : XXXX DELETE THIS!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting my auto loan late 30 days also 60 days late when the account is not late and My account was put on deferment XX/XX/XXXX XX/XX/XXXX natural disaster it was granted so I was informed that there would not be a late fee and they would not put my account to late status. But its still reporting late on my credit. Also XX/XX/XXXX & XX/XX/XXXX my account was granted and approved for Covid 19 assistance and put the amount due to the back of the auto loan. My account is in good standings but they keep reporting negative as its impacting my credit score. Please I just want them to update correctly as I was told they would but never done. Transunion is reporting XX/XX/XXXX late, XXXX & XX/XX/XXXX late. XXXX is reporting the same as Transunion, and XXXX  is reporting XXXX & XX/XX/XXXX late XX/XX/XXXX late & XX/XX/XXXX late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint with you regarding identity theft and information that was being reported by all three credit bureaus XXXX, Transunion and XXXX in XXXX. After their investigation these items were removed from their reports. The creditors XXXX XXXX XXXX XXXX XXXX XXXX ) {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$100.00} XX/XX/XXXX have been resold to new debt collectors and placed back on my report again. I have recently sent letters to these creditors on XX/XX/XXXX, who have responded with excuses to delay the process of them removing these items from my reports and blocking them from further reporting. These letters included a copy of my Identity Theft Report from the FTC, The Furnisher 's Reporting Act 605B letter, account details of what was being reported and subsequent identifying documents. I should not have to keep sending them the same documentation year after year once we have already established these were a result of identity theft. Please help me in resolving these issues and correcting them once and for all.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate late payment reporting on my XXXX XXXX account ( # XXXX ) reflected in my Equifax credit report. Despite XXXX prior disputes filed on XX/XX/XXXX and XX/XX/XXXX, no corrections have been made to this account. The continued inaccuracies are a violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). The account also has discrepancies and errors in its reporting dates, payment history, and balance details, which are outlined below : Account Details : High Balance : {$38000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$18000.00} Account Status : Open Payment Status : Current Monthly Payment : {$680.00} Two-Year Payment History : Reflects an inaccurate 30-day late payment for XX/XX/XXXX. 
Discrepancies : Date Inconsistencies : The " Date of Last Activity '' ( XX/XX/XXXX ) and " Date Reported '' conflict with payment history records, indicating incorrect reporting. 
Inaccurate Late Payment : The 30-day late payment for XX/XX/XXXX is inaccurate and unsupported by payment records. 
Balance Details : The balance of {$18000.00} differs from the amounts reported to XXXX and XXXX for the same account. 
Relevant Legal Violations : FCRA ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct inaccuracies promptly.

TILA ( 15 U.S.C. 1666b ) : Mandates that creditors send periodic statements at least 21 days before the due date, ensuring no unfair penalties for consumers. 
PAANL : Reinforces creditors ' responsibilities to provide accurate, timely statements to protect consumers from erroneous reporting. 
Desired Resolution : Immediate removal of the inaccurate 30-day late payment from my credit report.

Written confirmation of the corrections made.

Assurance that this account will be reported accurately in the future. 
I have also submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to address these inaccuracies. If these issues are not resolved promptly, I will consider escalating the matter further, including legal action. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Dob- XX/XX/XXXX Last 4 ss- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX I XXXX XXXX am writing to dispute the following unauthorized Inquiries that are listed in my credit report. 
I do not recognize nor have I done business with any of the accounts listed below and Im requesting that all inquiries listed below be immediately removed. 

XXXX XXXX Inquiry date : XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX, DEPT OF EDXXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX  DEPT OF ED/XXXX XXXX, 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 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 months that are reported 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, DEPT OF EDXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXXXX/XX/2020 NEGATIVE ACCOUNTS : -XXXX XXXXG XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a military member and was away for a year and a half. Came how to check my credit report because I am in the process of buying my first home. I have XXXX inquirers on my credit that was not authorized by me, there isnt any proof that I made these request. I contacted customer service and they would not remove any inquiries off of my credit report
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX 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 ', let 's 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 of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports 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 XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

I have been disputing this collection account on XXXX since XXXX Once I dispute it within 1 week they come back as accurate information. Trident Asset Management is trying to collect on a remaining balance that is not collectable. XXXX XXXX Credit Card sent my account to the original collection company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which XXXX collected for them on this debt. They settled with me for a lesser amount. The original amount was {$700.00} I paid {$560.00} on XX/XX/ which left a remaining balance of {$140.00} which I didn't have to pay because they settled. I have sent letters from this agency stating that I have settled my balance and I do not owe anything more. This company XXXX and Trident will not remove this balance of {$140.00} they are trying to collect which is not collectable since the account was Settled in full from my report. I have been fighting them since XX/XX/. Please help me get this error off my report and stop them from putting it back on and stop them from trying to collect on something they do not have a right to collect on. I have never ever received anything from this Trident Asset Management company this whole time. I do not know who they are or how they got ahold of my written off balance. Please help me I am begging you.
Product: Credit reporting or other personal consumer reports

I have done a mistake of only credit card utilisation of 99 % which is already my secured credit card but My credit bureau " Experian '' has been updated XXXX in my credit report & my all going XXXX is on time & recently I already cleared a successful loan of my account. Is it a way to update credit report. Totally fake upgradation on Credit report by " Experian ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had hard inquiries that were not made by me on my credit report. They were : XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX I had no knowledge of these inquiries. 

XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX is XX/XX/year>. 

Rushmore 's servicing company 's response letter to my complaint is totally unacceptable. 

XXXX. My wife XXXX 's bankruptcy was declared more than 10 years ago. It should not be affecting her today. 

XXXX. I believe that Rushmore servicing company is dealing in bad faith and engaging in unfair business practices. 

XXXX. I need for CFPB to contact XXXX XXXX XXXX  XXXX who is the owner of my mortgage. Rushmore is just a servicing company who has a very shady reputation. They need to report my mortgage payment history to my credit bureaus. 

XXXX. Am I being discriminated against because I am XXXX, a XXXX Veteran or is it both? 

Please assist me in getting this issue resolved in a fair and acceptable manner. Thank you. 

XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you today because I feel that TransUnion, XXXX, and XXXX  have violated the Fair Credit Reporting Act. I have been sending letters to the credit bureaus because I feel that I have someone elses information reporting on my credit report. I would have check more options if I was allowed to when I filled out this complaint form, The investigations did not resolve my issue, and then the credit bureaus stopped investigating my accounts. 
In XX/XX/2020, I was denied credit because due to a Chapter XXXX Bankruptcy. I thought this was odd, so I request a copy of my credit reports. Not only was a bankruptcy reporting, but several accounts that I have never seen before were on my credit report. There were even addresses listed under my profile for places that I have never lived at. 
It was recommended to me to contact the credit bureaus by mail, so I started to send letters to the credit bureaus. I started to make progress with the credit bureaus but then suddenly, they stopped responding to me. It is my understanding that the credit bureaus have 30 days to respond to my request. It has been well over 60 days and I have not received any responses. 
Since my rights have been violated under the Fair Credit Reporting Act, I ask that my credit reports are updated to reflect information that only belongs to me. Please see the attachments that show the accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

These four accounts are display the incorrect status and account balances on my credit profile. I have contacted the credit bureau several times. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX DEPT OF EDUCATION/XXXX  - XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have important documents First off I want to say as being a XXXX in the military I have never had any problems at all with banks are my credit. This is my Life u guys and I know you all have jobs to do Im not questioning that. But I am have problems when a person disputes the non factual errors I never receive any help but I have fought XXXX XXXX XXXX for our country leaving my family, my kids, my wife with no hesitation. I ask you guys is it fair I am a victim of identity theft please correct this EARLY WARNING XXXX, XXXX and XXXX XXXX thank you.
Product: Checking or savings account

On XX/XX/23 I received a transfer through XXXX from my dad for {$1000.00} and another on XX/XX/23 to use as a deposit on an apartment. These are immediately available funds. I then proceeded to make a transfer of {$2000.00} to the owner of the apartment as the deposit. The transfer was unable to be processed and the app informed me to call the bank ( Ally Bank ). I called, and they said the transfer could not be verified. I spent nearly XXXX hours on the phone with them across multiple phone calls on XX/XX/23 trying to get my information verified. During one of those calls, the customer service representative hung up on me because he didnt think he was speaking to the account holder ( his words ). I was then fully locked out of my online banking account. Upon calling back on XX/XX/23 I was informed that they had frozen both my accounts, so I would be unable to use my debit card or receive any funds or use the account in any capacity. I was even told that I would not be able to verify my information via email, even though that is already a verified method of communication and has not changed in years. They then said there was nothing else they could do and the issue would be escalated to Loss Prevention. 

I had not heard from Ally since then, so this afternoon at XXXX I called them again. I spoke with a customer service representative who transferred me to a loss prevention representative. That loss prevention representative stated that he would disconnect the call and call me at my contact number on file ( this was confirmed during the course of the call ). He disconnected the call, I waited 5 minutes and did not receive a call. I then called the bank again and spoke with both customer service and loss prevention again. I was informed that they had no record of me speaking with loss prevention today and that there is nothing further that can be done until loss prevention can verify my phone number. 

Every time I have called the bank, I have used this number and it functions fully. My phone number was changed with the phone company on XX/XX/XXXX  and shortly thereafter I updated it with Ally Bank online and seemed to have no issues until XX/XX/. 

I requested that my account be closed and was told that they can not do that either until my phone number has been verified so they can properly identify me. This is now the 5th day of this issue ongoing and I need access to my account, funds, and livelihood and the bank is doing nothing to progress this to resolution.
Product: Debt collection

I switched cell phone companies in XX/XX/XXXX from XXXX to XXXX XXXX XXXX and have been with XXXX XXXX XXXX since XX/XX/XXXX to present day ... I didn't open acct with XXXX in XXXX as debt collection states the acct was opened..The last 4 of SS # on acct is XXXX
Product: Prepaid card

I contacted Comerica Bank in early XXXX and provided an updated mailing address with which the bank should send my replacement social security debit card. I requested priority mail service and was assured by a customer service representative that the replacement card world arrive in two - three business days. However, she would not provide a tracking number. 

I contacted Comerica Bank several times in XX/XX/year>,. In each instance the customer service representative assured me that the card would arrive via priority mail in two to three business days. And again in each instance the customer service representative would not provide tracking numbers. I contacted Comerica Bank on XX/XX/year> and XX/XX/year>, same results. 

The last time I contacted Comerica Bank was on XX/XX/year>, a customer service representative assured me that the card would arrive in two to three business days. On that date a third party got involved ( a XXXX XXXX of XXXX volunteer. The Comerica Bank customer rep. assured her that she would mail me a tracking number.. 

Again, I did not receive the replacement card not the tracking number. I am due to receive approximately {$1100.00} per month. I have been unable to access those funds due to the keep-away-game Comerica Band is deploying XXXX
Product: Vehicle loan or lease

Toyota Financial reported my lease over XXXX  days late asserting they did not receive a payment on XX/XX/XXXX, when it was approved and received by them in XX/XX/XXXX. My XXXX payment due on XX/XX/XXXX and was behind only XXXX  days late due to a bank issue. No payment was at any time over XXXX  days late impacting my credit immensely by reporting it incorrectly. It should not have been reported whatsoever as the one late payment I had with them was only XXXX  days late. Every payment in the last year was submitted XXXX  days early.