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

Improper Use of my Credit Report ; I am demanding proper reinvestigation of my account with XXXX XXXX XXXX whom is reporting a 60 day late payment as of XX/XX/2018, in addition there were no proper notification of the default, no previously reported 30 day late payment yet they are reporting a 60 day late payment! This is inaccurate and in complete violation of my rights to fair and accurate reporting! 
In accordance with the fair credit reporting Act this creditor ( XXXX XXXX XXXX ) has violated my rights! Under Act 15 USC 1681 section 602 says " I have the rights to privacy ''. 15 USC 1681 section 604A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instruction ''. Under 15 USC 1666B " A creditor may not treat a payment on a credit line account under an open-end and consumer credit plan as late for any purposes.
Product: Credit reporting or other personal consumer reports

In XXXX, I reviewed my credit reports from XXXX, XXXX, and TransUnion and identified several inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These include the reporting of late payments, charge-offs, and derogatory accounts without proper validation or investigation. The inaccuracies involve accounts with XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX, and XXXX, among others. 

For example : A XXXX XXXX account, opened XX/XX/XXXX, shows a {$230.00} past-due balance as of XX/XX/XXXX, despite disputes about its accuracy. 

An XXXX XXXX account, opened XX/XX/XXXX, reflects {$100.00} written off despite being paid and closed. 

A XXXX XXXX XXXX XXXX account, opened XX/XX/XXXX, inaccurately reports a {$360.00} past-due balance as of XX/XX/XXXX. 

I have submitted disputes and requested validation under 15 U.S.C. 1692g, but the companies failed to correct or validate these debts. This inaccurate reporting has caused harm to my credit profile, violated the FCRAs reinvestigation requirements under 15 U.S.C. 1681i, and included practices that violate FDCPA provisions, such as harassment ( 15 U.S.C. 1692d ) and false representation ( 15 U.S.C. 1692e ).

I seek the removal of all inaccurate and unverifiable information, proper validation of debts, and compliance with federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a change in escrow, the monthly mortgage payment changed by {$10.00}. My bank wired the old payment amount, which was {$10.00} less than the new amount. The mortgage company ( 53 Bank ) held the funds unapplied and failed to properly contact me to advise about the unapplied funds and " missing '' monthly payment. By the time I found out about this issue, they reported my account 30-days late to the credit bureaus. This is not a " late '' payment but a misapplied payment. Also, they should have let me know about this misapplied payment prior to the 30 days. I've tried to explain the situation to their customer service and credit reporting departments and they've ignored my requests to correct this reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed a Bankruptcy on my report and was told by the credit bureaus that they verified the information with Lexis Nexis. I called Lexis Nexis to dispute the information and asked how was this information verified. Lexis Nexis me they received the verification from XXXX   and the courts. I emailed XXXX  to inquire about this verification process and they stated they do not provide verification of consumer information ( as stated in my attached email ). This is not my account and I've asked for this to be removed from my Lexis Nexis account as well and all three of the Credit Bureaus.
Product: Credit reporting or other personal consumer reports

i have reviewed my credit reports and notice there is inaccurate late payments reporting to each credit reporting agency. name of account People driven credit union late payments reporting on the same day, but different days late. I am certain that i was never late on these dates. i am XXXX XXXX XXXX an looking for help to investigate this matter Account Name XXXX XXXX XXXX Account # XXXX Dates reporting inaccurate XX/XX/year> 60 days late XXXX XX/XX/year> XXXX  days Late Experian XX/XX/year> XXXX  days late XXXX
Product: Mortgage

Newday USA is purposely withholding my appraisal which came in low I do not want the house if it did not appraise to value and they are holding off on giving me the report for XXXX only knows why. I try and contact them to get blown off and blown off.
Product: Credit reporting or other personal consumer reports

This XXXX complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX Bank on XXXX XXXX under the account number : XXXX XXXXXX with a balance of {$10000.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is a result of IDENTITY THEFT and FRAUD. I have attached a copy of FTC IDENTITY THEFT CRIMINAL COMPLAINT FTC REPORT NUMBER : XXXX. As proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX acct # XXXX has violated my rights XXXXXXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXXXXXX XXXX- acct XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX- # XXXX has violated my rights XXXX XXXX- acct XXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX acct # XXXX has violated my rights US Dept. of education- acct # XXXX has violated my rights US dept of education- acct # XXXX has violated my rights XXXX acct XXXX XXXX has violated my rights XXXX XXXX- acct # XXXX has violated my rights XXXXXXXX XXXX acct # XXXX has violated my rights XXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX acct # XXXX has violated my rights XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX  - acct # XXXX has violated my rights XXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXXXXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by 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 is inaccurate.
Product: Checking or savings account

On XX/XX/ I applied to open a Money Market account with Vio Bank responding to Vio Bank 's public advertisement. 

Vio Bank has declined my application and provided me with a Notice of Adverse Action ( enclosed ). 

The Notice of Adverse Action from Vio Bank has not listed any specific reasons why my application was declined nor it included my name on the notice. The Notice of Adverse Action had referenced a consumer reporting agency claiming that the information on a report from that agency had influenced Vio Bank 's decision. 

My consumer report from the consumer reporting agency that Vio Bank had listed on the report does not contain any negative information that could have been a reason for Vio Bank to decline my application. 

I believe that Vio Bank in their decision has not relied on the information obtained from the consumer reporting agency, but made its decision on their internal policies based on prejudices against non-typical customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Debt collection

Praxis Financial Solutions XXXX have promised a Trade Line deletion in exchange for payment for a Charged -Off debt purchased from XXXX XXXX Unfortunately, the payment was received but the written agreement for the deletion of this account 's " Trade Line '' and " all credit reporting that has been done on this account '' has not been honored. I have brought this concern directly to XXXX. Although my concerns were clearly documented with specifics, XXXX has rerouted my concerns ( with inaccuracy ) to a " request for XXXX to remove its credit bureau reporting due to debt being paid or settled in full with debt buyer ''. Clearly, XXXX 's summation is not the concern, and this gives the appearance that they simply do not care. These institutions have legal teams with great experience at wordplay, at times this only adds confusion to the consumer but not real solutions to problems that have negatively impacted the consumer through no fault of their own. Institutions like XXXX have no incentive to take my concern seriously. This huge oversight has negatively impacted my credit, and re-victimized my family. See previous reports from CFPB Case # XXXX ( and the attached ) where obscene language and abusive language was also reported -- not from XXXX. Using terms like " Trade Line '' deletion and " all credit reporting that has been done on this account '' are clear terms any consumer would reasonably expect to be honored. Any consumer would have been under the impression PFS XXXX received permission to enact this promise. There should not be a need for " buried in blueprint explanations '' or exemptions as to why this promise did not or does not apply. If deception was not the intent, then I simply ask for PFS to work with XXXX to " right this wrong ''. 

We are grateful CFPB supervises banks, credit unions, other financial companies, as well as enforce federal consumer financial laws. The small guy can easily become devoured had it not been for your organization 's dedication to law and fairness. 

As it now stands, XXXX has now " dinged '' my credit report, made changes to it, and has done more harm at this sensitive time.
Product: Debt collection

Account Name : BANK OF AMERICA Account Number : XXXX Date Opened : XX/XX/2012 Balance : {$3100.00} Reason : Identity theft Please remove it from my Credit Report.
Product: Debt collection

I contacted Advanced collection bureau around XXXX XXXX 2022 in regard to a collection showing on my credit report made by them. I asked for the debt to be properly verified and a response was sent back with a printout of a contract that i didn't recognize along with a statement of charges i owe. i then responded with a letter of my own asking to show legal standing in my state i also requested several things be redisputed which were not and i also asked the company to cease any contact with me other than to notify me of the deletion of this collection from my credit report i still received a response going against my wishes and asking me to pay the debt after i submitted that i was refusing to pay. i also did not give them my express written consent to furnish information to a credit reporting agency they are in violation of many federal laws meant for my protection such as XXXX, b, XXXX, g, k
Product: Debt collection

Good Afternoon, I am extremely upset with the services provided and the lack of understanding your office offers. As of today, I have called 4 days in a row ( and 4 times in XXXX day ) to attempt to work with Western Control Center. As of today ( XX/XX/XXXX ) the company has called me since XX/XX/2016 but only left me XXXX voicemail message. When individuals do call me from any phone number from Western Control Center, the call is immediately hung up after answering. Can someone explain how that is fair? 

As of today, I am unable to make any payments including good faith payments as I do not qualify. I do not qualify becuase I refuse to provide personal bank statements along with my common law partner 's information, bank statements, and pay stubs from both of us. I have asked numerous times to please explain how I am to make XXXX payments of {$880.00} or monthly payments of {$580.00} when the company doesnt take into account basic living needs. 

As of today, XXXX stated that he would assist me. He asked me where I was working and what pay rate. He then said that " IF the information checks out '' the lowest he could go is {$500.00} a month. I stated that I was not able to do that a month and that they are not taking into account my rent and other bills. He was frustrated and toward the end of the conversation stated that I dont need to send in my information and he trusts it was true. When I asked why he would not need proof of my bills he said I was welcome to send in whatever I wanted but that it didnt matter. {$500.00} a month was the lowest his collections department could go. When I asked to speak with someone in the collections department he said I had already spoken with everyone in the office. I asked " then why cant anyone work with me? and why do you need to have this information reviewed by another person but your deciding my personal expenses dont count suddenly? '' He replied with " you are just going in circles, I can not give you legal advise and there is nothing further I can do. You either pay it or I take the next step. '' I asked what the " next step is ( garnishment ) '' and he stated that he can not give me legal advise ( as if I was asking ). 

At this time, it has been determined and proven that Western Control Center will not only push you to get as much money as they can but if you do n't comply with their way, they will force their way through the legal system. That will include liens, garnishments, and any other forms of collection money. 

Terrible group of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX falsely reported that I didn't pay my mortgage to the XXXX credit bureaus. The bank did not credit my account with the payments each month making it look like I didn't pay. Their failure has damaged my credit and financially negatively affected me as I applied for car loans during this period. I want the credit reports corrected and I want financial compensation from the bank because I am paying a higher interest rate on the auto loan as a result of their gross negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX
Product: Credit card

Went to Citi website and was pre-approved for selected offers after filling out my information, also I had received pre-approved emails for Citi ThankYou Premier Card and Citi XXXX XXXX cards. 
My credit is excellent, and I applied and was asked to verify my address, but that " everything else looked good '' I was told on the phones by the underwriting department. 

I sent in the necessary verification, and was later told I was denied due to inquiries, which they would have known during the pre-approval and offer process and should not be a deny reason. Please help! These inquiries have now tarnished by credit and they have not fulfilled the offer as agreed.
Product: Payday loan, title loan, or personal loan

I live in Georgia and per Georgia law, ANY AND ALL payday loans are ILLEGAL and I was NOT aware of this and this company did NOT disclose this. Here is the law from the Georgia.gov law book. The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In 2004, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/2004, and has survived challenges in federal court. Referred to as the Payday Lending Act of 2004, this law authorizes misdemeanor charges against violators, as well as fines of up to {$5000.00} per violation and a possible jail sentence of 1 year. 

Usury laws limit the interest rate amount a lender can charge. In Georgia, a licensed lender can not charge more than 10 % interest on a loan of {$3000.00} or less. Most states have a usury limit ; if you were to borrow money from an out-of-state lending institution, that states cap would apply. Bear in mind that these rates may differ from Georgias rates.

I want this debt to be legally CANCELLED. They are NOT licensed to do business in Georgia nor have a Georgia Industrial Loan License.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXXALLY FINANCIAL INC XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my credit information with Experian up until XX/XX/17, but some reason they deleted my file and I can not get a reason as to why? I keep calling XXXX to try and get someone on the phone. I enter my social security number, address, but it will not let me speak to anyone. It hangs up on me. Recently I tried to raise my credit limit with XXXX and go declined because my history was not in my report. The other two bureaus have my information, but this one does not. I am providing my three forms of identification to prove my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigated these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.