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

I have sent letters repeatedly to XXXX, XXXX  and Transunion requesting to remove inaccurate addresses from my credit report. 

XXXX has these addresses : XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  has these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, TN XXXX Transunion has these addresses : XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have sent requests with my utility bill attached on where I live and I keep getting stall letters from the credit bureaus and no disputes taking place, I need these addresses removed from all three credit bureaus they do not belong to me.
Product: Mortgage

A loan modification was denied and an appeal was faxed over to the lender. Since it was n't emailed to the correct department they refused to review the request. A notice of error was submitted today requesting a copy of the guidelines listed for the denial. A 20 % reduction in P & I is not a RESPA guideline and the homeowner shows he can afford his payment without that reduction.
Product: Debt collection

XX/XX/XXXXActually I'm just trying to contact a debt collection agency via email. Commonwealth Financial sent me a link to get on their site to make a payment. However, the password they said I had to use was a 5 digit zip code. I entered the zip code several times and was told it was incorrect. 
I called the XXXX XXXX XXXX per the instructions on the email. The representative who answered said she didn't know anything about a link. I kept explaining to her the email that was sent to me. I don't handle payments over the phone, especially with representatives who are not educated to what their company does for the consumers who are trying to pay a debt. It takes them forever to get back to my inquiries submitted online, in essence, they don't work with you at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a secured card with XXXX XXXX XXXX XXXX, and i had the account for 3 months, i have paid on time and over the amount due which the XXXX  payment was initially two payments. My monthly payments are {$15.00} i paid {$180.00} on the XXXX  of XXXX. My payments are due on the XX/XX/XXXX of the month and the statements print on the XX/XX/XXXX of each month which means i am not 30 days past due. The reported 30-59 days past due to the credit bureaus dropping my credit score over 40 points. I am in the process of buying a home for my family and this is a major issue for me right now.

As you can see the attachments are photos of how they are reporting the information to my credit file. The minimum payment is still {$15.00} if i was late 30-59 days it would be more, also the status says current. how could be current when i am 30-59 days late. 


XXXX XXXX XXXX XXXX I am also submitting an investigation for XXXX XXXX XXXXXXXX you will see the actual screenshots of the late payments they came i have 90 days in XX/XX/XXXX, 90 days in XX/XX/XXXX and 90 days in XX/XX/XXXX. How can i be late on any of my student loan accounts when the prior months are on time not late. There are 10 XXXX XXXX XXXXXXXX   accounts listed on my credit report that are reporting 90 days late but neither of the prior months are late according to the credit report.
Product: Mortgage

None of the options above were applicable. I paid my Truist loan in full on XX/XX/XXXX. Truist mailed me a check on XX/XX/XXXX ( 10 days later ). It is now XX/XX/XXXX and I have not received. I have been told ( XX/XX/XXXX ) I need to wait another 30 days to get another check reissued. I have received a statement showing the loan is paid in full and that the check was in fact issued. I find it unacceptable that I have to wait a full 2 months to receive my escrow refund. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount- {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, re : Equifax unverifiable Bankruptcy reported on my credit report. Bankruptcy Court Case No. XXXX. First of all, there is no company I am referring to the U.S. Bankruptcy Court, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, Florida XXXX. On XX/XX/2022, I sent a letter to Equifax Credit Bureau, XXXX XXXX XXXX XXXX, XXXX XXXX. In the above referenced bankruptcy. As of today XX/XX/2022, no one has responded to me yet. Equifax never removed the bankruptcy nor has my score changed according to my research I am entitled to XXXX points once my score is updated. I have attached a copy of the page in the Equifax credit report they have no intention of correcting my report or my credit score. The FCRA mandates that Equifax correct this unverifiable information within 30 days, or it must be removed. It has been 76 days and there has been no change to my credit report or my score. I am attaching a copy of the letter that I sent to Equifax on XX/XX/2022. This letter was sent certified mail return receipt requested. XXXX XXXX XXXX XXXX XXXX received on XX/XX/2022, signed by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was on section 8 program they never made a payment to XXXX XXXX in XXXX and the apartments charge me but I keep looking and calling and finally got XXXX XXXX to reach out on their site it says it was fraudulent activity after their investigation but Experian has not updated why I have no idea I really need this off as soon as possible I says I owed XXXX and the company went to court and put this on my record XXXX their name now is XXXX view please help
Product: Credit card

During the last 8 months a credit card held by me with Edward Jones has been hacked. 
First - XXXX Second XX/XX/2024 Third - XX/XX/2024 Fourth - XXXX - This one was not activated for XXXX weeks after I received it. 
Once It was activated on a Wednesday - hacked within XXXX hours - I never used it once. 
Has to be an insider there at Edw Jones who watches the activations on replacement cards. 
_ Now I can not get a credit card with any other company. 
Also my SS number has been out on the Dark Web since XXXX 2024.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and 17 fraud inquiries from trans union 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.

Transcript Follow along using the transcript.
Product: Consumer Loan

Hello! 
My daughter and I have a vehicle lease. I 'm co-signer. Her payment in XX/XX/2016 was over 30 days late. We do n't dispute that. We dispute the circumstances that led to it being 30 days late and her credit and mine being damaged because of this. I will add attachment for more specific details.
Product: Prepaid card

Attempts to collect debt not owed ( debt was paid ) Section 16. Note Issues 1. Issuance of Federal Reserve notes ; nature of obligation ; where redeemable Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are hereby authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of XXXX XXXX XXXX XXXX XXXX, or at any Federal Reserve bank.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 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 XX/XX/year> 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 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

Caine and Weiner added an account from XXXX Insurance to my credit report. Caine and Weiner violated the FDCPA by not notifying me before placing the debt on my credit report nor giving me the opportunity to dispute the debt or have it validated. I am currently disputing this debt with XXXX and filing legal action against XXXX involving this account that I canceled.
Product: Debt collection

XXXX Sent letter to XXXX XXXX XXXX to dispute collection ( {$490.00} ) XXXX Sent letter to XXXX to dispute the collection ( {$490.00} ) XXXX Submitted online dispute to XXXX XXXX {$490.00} ) XXXX Sent letter to Suburban Credit Corporation to dispute collection ( {$490.00} ) XXXX Sent letter to XXXX that neither collection agency had verified the collection ( {$490.00} ) XXXX Submitted another online dispute with XXXX ( {$490.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed by mail the fairness and accuracy of tranunions reporting of several items on my consumer report. In tranunion response they claimed to have conducted an investigation and said the items were verified and would remain on my report. On XX/XX/2022, I requested by mail or tranunion to provide there method of verification for each item ; I requested that tranunion provide the SSA-89 form with my wet-ink signature, a necessary form requisite by way of written permission to utilize property of the social security administration ; and XXXX XXXX that tranunion provide me with proof of my written consent to consumer reporting with tranunion which would also require a SSA-89 form. XXXX never responded to such requests or the CFPB Complaint ID XXXX regarding these requests. 
On XX/XX/2022, I received confirmation via the CFPB ( complaint ID XXXX that tranunion was in receipt of 1. ) appropriate proof of the identity of the consumer ( me ) ; 2. ) a copy of an identity theft report filled out by me ; 3. ) the identification of the information reporting as a result of identity theft both in my identity theft report as well is in my statement ; 4. ) my statement by me, the consumer, that the information is not relating to any transaction by me, the consumer. All this information was provided in accordance with 15 U.S. Code 1681c-2 - Block of information resulting from identity theft. 15 U.S. Code 1681c-2 ( a ) BLOCK states Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of - the above referenced information I received confirmation tranunion is in receipt of. As of XXXX, XX/XX/2022 it has been 5 business days since tranunion has been in receipt of the four requirements of this section of the FCRA and tranunion has not blocked and removed the items. tranunion has still not provided the SSA-89 form for proof of consent of tranunion reporting of my information nor the SSA-89 forms for each alleged creditor as proof of consent for furnishing my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed 3 disputes online with my equifax they are still reporting account a closed account with XXXX XXXX XXXX since XXXX as past due on XX/XX/XXXX. I filed same dispute with same proof of written and pictures with transunion and it was removed from my file totally. My correct reporting should show the first day of delinquency was XX/XX/XXXX and acct was closed XX/XX/XXXX. This is too old to report over 7 years so how am I late XX/XX/XXXX with a past due balance for XXXX. This is affecting me trying to buy a home and they will not correct this mistake. How can XXXX fix something but they wont. I dont know what else to do but this is not right.
Product: Debt collection

I am responding to your contact about collecting a debt. I would like for your company to provide me with competent evidence that I have a legal obligation to pay you. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec. 809 ( B ) that your claim is disputed and validation is requested. this is not a request for verification, or proof of a mailing address, but a request for validation in pursuant to the above named title and section.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXISNEXIS HAS VIOLATED ME UNDER FCRA THEY PREVIOUSLY BLOCKED A BANKRUPTCY RECORD THAT WAS IDENTITY THEFT BUT CONTINUED TO REPORT IT XXXX  AND XXXX AND PACER A THIRD PARTY. I HAVE ASKED THEM PREVIOUSLY TO BLOCK FREEZE AND SUPPRESS MY RECORD WITH THEM. THEY HAVE ASSURED ME PREVIOUSY THEY HAVE BLOCKED THIS FILE AND REMOVED INFORMATION BUT CONTINUE TO REPORT. RECENTLY THEY EXPLAINED TO ME THAT WERE DISPUTING ONMY BEHALF TO XXXX AND XXXX. BUT ITS STILL REPORTING ...
Product: Checking or savings account

I opened a Checking and Savings account with Citibank using the following link : XXXX : XXXXXXXX XXXX & ProspectIDXXXX The following link has been taken down but the archive of the link and what it contained can be seen using the following link : XXXX XXXX XXXX XXXX XXXX XXXX Basically, you open an account with the first link I provided during the promotion period which was XX/XX/XXXX - XX/XX/XXXX, deposit {$15000.00} within 30 days of opening the account, keep the balance at {$15000.00} or higher for 60 consecutive calendar days and then wait up to another 90 days to receive {$400.00}. I opened the account on XX/XX/XXXX, I deposited {$15000.00} on XX/XX/XXXX, I completed the 60 consecutive calendar days on XX/XX/XXXX, I withdrew {$5000.00} because I completed the promotion but kept {$10000.00} to avoid the monthly fees and then another 90 days was waited which was XX/XX/XXXX. I have tried multiple times to reach Citibank regarding this offer, I have faxed proof regarding the promotion I signed up with and they are unwilling to help me and don't recognize any promotion existed. I will be attaching everything to this case.
Product: Vehicle loan or lease

I purchased a car in XX/XX/2004and it was financed through Wells Fargo. I have made all payments on time and never received my title.
Product: Debt collection

In XX/XX/XXXX Ive began a dispute with all three credit agencies as to a company named LVNV appearing in my credit report in collections related to a credit card from XXXX XXXX XXXX, XXXX being the original creditor. I sent out a cease and desist letter with notification of my income being Federally protected against wage garnishment or bank levies as to social security income and police XXXX pension income as an XXXX  and other related information. This letter was sent out on XX/XX/XXXX and received XX/XX/XXXX @ XXXX XXXX  certified mail and on XX/XX/XXXX @ XXXX XXXX  delivery confirmation. On XX/XX/XXXX I began receiving SMS messages from an agent of LVNV, XXXX XXXX XXXX as to collection attempts for LNVN. I opted out of stopping any further SMS contact from XXXX XXXX XXXX ( see attached ). On XX/XX/XXXX I also sent both certified and delivery confirmation a cease and desist letter and related information to XXXX XXXX XXXX, warning them this issue being addressed with LVNV and also informed them in notation that a Cc was also sent to LVNV. XXXX XXXX responded back on XX/XX/XXXX through your agency, they would cease all communication and add my phone number on the do not call list and would notify there client, LVNV. I wrote back thank you for your understanding and corporation. A. Complaint was also filed against LVNV with the FTC, complaint # XXXX on XX/XX/XXXX. On XX/XX/XXXX I received another collection letter from an ANOTHER agent of LVNV, Resurgent Capital Services, informing me they are contacting me on behalf of there client, LVNV for collections of an account related to XXXX XXXX XXXX  XXXX for {$13000.00}. Another pending complaint with your agency filed on XX/XX/XXXX or XX/XX/XXXX against LVNV and Resurgent Capital Services was filed as to harassment and refusing to adhere to my request via certified mail to both LVNV, the original debtor and XXXX XXXX, an agent for LVNV to cease and desist communication with me. LVNV has refused to cease and desists their attempts to contact me after being notified by me to stop. In the cease and desist letter, in second paragraph, its explicitly states, you and agents of you as to cease and desist attempts to contact and harass me. Today, I received XXXX ( XXXX ) separate letters from Resurgent Capital services, dated XX/XX/XXXX and XX/XX/XXXX. Looking at bottom of both letters, you can see codes, XXXX for letter dated XX/XX/XXXX as XXXX then XXXX letter from Resurgent dated XX/XX/XXXX with code XXXX. This is just harassment, intimidation and is being done on purpose. This company, LVNV along with Resurgent Capital is deliberately sending the same collection letter, twice on XX/XX/XXXX and XX/XX/XXXX intentionally to continue to ignore my request and violate the FCRA as to collections tactics on contacting consumers after asking officially to cease and dicist Im asking for the department of consumer affairs to penalize and hold these companies, both LVNV and Resurgent Capital in violation of my rights under the FCRA strict compliance guidelines
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Student loan

The Rhode Island family education loan which was taken out with my grandmother as co-signer has defaulted and immediate repayment requested. The co-signer, my Grandmother, passed away and the RI student loan authority, through the lawyer XXXX XXXX XXXX XXXX, has filed a claim against her estate. The claim is against the estate for XXXX others whom my grandmother co-signed. The XXXX of us have been repaying our loans, as usual since the loan provider contacts you after the six month grace period. We have been reducing the total amount of loan, but the claim is for the original amount which we all took out. The claim is for {$97000.00} and I know that the claim is off by at least {$11000.00}. I know this because I owed {$17000.00} vs. about {$6000.00} currently outstanding. ( document attached ) Also, monthly payments are being made of about {$120.00} per month.
Product: Credit reporting or other personal consumer reports

This complaint is being filed because the XXXX XXXX XXXX XXXX XXXXXXXX and another entity on web banks behalf did not address the issue raised or justify the legality of their actions under applicable federal law. 
As my previous complaint stated, I believe the reporting of my non public information violates 15 U.S.C. section 6809 ( 4 ) under the Gramm-Leacch-Bliley Act, which governs the sharing of NPI by financial Institutions . Specifically 1. Improper Disclosure of Nonpublic Personal Information : Nonpublic personal information includes account balances, payment history, and transaction details. while the GLBA permits limited sharing of such information under specific exceptions, their privacy notice and subsequent actions fail to demonstrate that the sharing complies with these exceptions. Additionally Failure to Provide an Opt- Out Option : Under the GLBA, financial institutions are required to provide consumers with a clear and conspicuous notice of their right to opt out of certain information- sharing practices. Their privacy policy does not provide any mechanism or instructions for opting out, as required by law. That omission is a significant concern, as it deprives me of my right to control how my personal information is shared with third parties. FCRA and Accurate Reporting : Their response cited the contract holder agreement and privacy policy as justification for sharing my NPI. However, no contract can supersede federal law. Furthermore, I believe their reporting practices fail to meet the accuracy standards required under the Fair Credit Reporting Act. I request clarification on the steps taken to ensure compliance with these standards. Inadequate Privacy Policy Transparency : Their Privacy Policy, while outlining potential sharing of NPI, does not adequately disclose how the institution ensures compliance with federal privacy laws, particularly in relation to reporting to credit bureaus.