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

I am writing to formally dispute the inaccurate information found on my recent credit report, which I discovered on XX/XX/XXXX. Upon review, I found discrepancies in my payment history on certain accounts that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681 Section 604a : Section 2, which states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : 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. 

I was never paid late, the inaccuracies pertain to the following late payments are incorrectly listed on my account. 

XXXX Account Number XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account, XXXX XXXX XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage provide r Seterus Date of last activity incorrect Balance reported {$160000.00} should be {$150000.00} Scheduled payment should have always been {$940.00} Amount past due of {$2800.00} should b e  XXXX  60 to 89 days past due, is incorrect. Everything paid on time
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed that this debt continues to report. This debt is well over the statute of limitations Michigan and are past the credit reporting limit. This is a violation under the FCRA and must be removed.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX
Product: Mortgage

Nationstar Mortgage has failed repeatedly to cease contacting me via email, phone, and other methods, even though I have filled out their Do Not Contact Me At All form,   THREE TIMES!!!
Being Military,   I pa y 1/2  my Mortgage on the  XXXX , and the othe r 1/2  on the  XXXX . SEVERAL times, Nationstar Mortgage has FAILED to apply the first payment to the second payment, instead, leaving it in the suspense account,  XXXX   hys I have to contact them to do their job, or incur a late fee.
In between receiving the first 1/2 payment, and up until the second half is received, Nationstar w  ill repeatedly call and email me, requesting full payment, EVEN THOUGH I AM NOT LATE! I am late on the  XXXX ! I have yet to be late paying, yet they still contact me!     They also attempted to force insurance on me, which I quickly quashedwith proof that I had adequate insurance and that, if needed, I wiuld contact Legal.     I was part of the Wroght vs. Nationstar settlement ... seems they have n't learned a thing!     Attached are emails I have received from Nationstar in just a span of a WEEK! Keep in mind, I have repeatedly filled out their No Contact form!
Product: Debt collection

Original Creditor : XXXX XXXX XXXX XXXX Date : XXXX XXXX Amount : XXXX $ Collection Agency : SIMONS AGENCY INC XXXX XXXX XXXX XXXX, NY XXXX I talked with the billing department of the original creditor " XXXX XXXX XXXX XXXX '' several times regarding this bill. Everything in my account was paid in XXXX XXXX. They promised not to send this bill which is fake. I got the letter front the collection agency for a debt which does not exist.
Product: Debt collection

I was billed {$340.00} for a XXXXt instead of my insurance despite the lab having my XXXX information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried and thought we were approved for the deferment online. The website stated we were approved. One week later they sold our loan and stated our next month payment was due to the new company. I received an email asking to pay the current months bill but the website said I was approved for the deferment and we had a new mortgage company so I ignored the email. I have never been late and when I saw that they reported it to the credit companies they stated in a chat that others thought they were in deferment too and they ended the chat. I called and they said they couldnt fix the reporting and basically sorry about your luck. This is complete nonsense in a time like this!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX and XX/XX/2020 I was affected by COVID-19 and was unemployed for 3 months. Those months being XXXX, XXXX, and XXXX. This afftected by payment history with Navy Federal Credit Union in those month. Relief was seeked and it was agreed upon that this would not affect my credit reporting due to the relief under CARES Act.

As with other natural disasters and emergencies, your creditors or lenders may be willingand in some case are requiredto provide forbearance, loan extensions, a reduction in interest rates, and/or other flexibilities for repayment. Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Under the CARES Act, in certain situations, lenders are required to report your accounts as current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a disputed account with furnisher XXXX XXXX XXXX XXXX I closed my account voluntarily on the phone with its agent XXXX and my XXXX credit report of XX/XX/XXXX correctly lists the account as Account Closed at Consumers Request. Moreover, I received the attached notice from XXXX XXXX stating that your XXXX XXXX XXXX account on your XXXX credit report was recently listed as closed Based on your credit report information from XXXX as reported on XX/XX/XXXX. However, despite the fact that my account was admittedly reported as CLOSED on XXXX, on XX/XX/XXXX, furnisher and XXXX wrongfully changed the reporting of my account to OPEN and my closed account is frivolously now reported as open as of XX/XX/XXXX to XXXX and Trans Union. The CFPB warned every CRA and all furnishers about the need to have interval controls to prevent this and other kinds of Facially False Data ( closed accounts later being reported as open )..
Product: Debt collection

I will make this short, brief and accurate as possible. For the past 6 years, DNF associates have furnished my private personal data to several debt XXXX without my permission. I'm only submitting 3 years of debt collection emails and letter. Dates starting back on XXXX XXXX at XXXX am to XX/XX/2023, at XXXX am I have a lot more which would have been too much to upload. DNF Associates, show a signed document between me and your company giving these debt XXXX access to my private personal data? This is definitely a violation of the FDCPA. This debt is also a Time-Barred debt. In my state of Texas, a debt collector has 4 years to collect and sue for an alleged debt owed. In XXXX XXXX XXXX and XXXX XXXX XXXX violated the FDCPA. See attachments for more details.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX the credit report agency is reporting information that has been discharged the records need to be updated an corrected to paid
Product: Money transfer, virtual currency, or money service

Background and Facts 1. XXXX XXXX : o On XX/XX/, I initiated a purchase of {$50000.00} USDC through my XXXX account. 
o The funds were to be drawn from my linked CapitalOne bank saving account, from which I had successfully executed similar transactions in the past. 
2. Transfer Confirmation : o On XX/XX/, my bank confirmed the successful completion of the transfer, and I received a confirmation from XXXX  that the funds had been credited to my account ( Reference Code : XXXX ). 
o The ACH trace number for this transfer is XXXX, and a bank statement confirmed the payment went through. 
3. Subsequent XXXX Actions : o On XX/XX/2024, I received an email from XXXX stating that the bank reversed the transfer and the deposit was not eventually received and that they would recover the amount from my assets. 
o XXXX XX/XX/2024, XXXX deducted {$50000.00} from my account. 
4. Bank Investigation Findings : o My bank confirmed that the original transfer of {$50000.00} was successfully completed to XXXX. 
o They also reported that there was a second attempt of XXXX to withdraw an additional {$50000.00} was made on XX/XX/2024, resulting in a decline ( R01 Code : Insufficient Funds ) due to the remaining account balance of {$21000.00}. This second withdrawal attempt was unauthorized and unrecognized by me. 

Issues of Concern 1. I am missing USD XXXX. Capital One claims they transferred money and XXXX  claims the bank reversed the payment and therefore they eventually did not receive them. 
2. After my initial request to make a transaction XXXX attempted the second an unauthorized transaction from my bank account for the same amount of money ( according to information I received from the bank ).
Product: Credit card or prepaid card

Manipulated my account/transactions. Charged fees that were unnecessary.
Product: Prepaid card

theres been multiple times cash app has taken money form my account without permission or my doing.
Product: Credit reporting or other personal consumer reports

Experian has allowed in accurate information to remain a consumer credit reports and proper reinsertation sham investigation has failed to follow the Fair credit report act per fcra by not connecting reasonable investigation into consumer disputes after several attempts.

According to the fair credit act fcra section 605b it is illegal to report information on my credit report without my permission please remove this item from my credit report. 

XXXXXXXX XXXX XXXX XXXXccount number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX  XXXX XXXX XXXX {$880.00} XXXX {$1000.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX {$2700.00}
Product: Credit reporting

XXXX XXXX is reporting incorrect information for XXXX accounts on my credit report. I have attempted to contact them directly on XXXX separate occasions and they refuse to correct it. They are incorrectly reporting the date of first delinquency for both accounts as XXXX XXXX. I have contacted the original creditor ( XXXX XXXX XXXX XXXX ) and verified that they date of first delinquency for both accounts is XXXX XXXX. I have also requested that XXXX, Experian and XXXX correct they information but they have not. The XXXX XXXX account numbers are XXXX ... and XXXX ... The Original creditor is XXXX XXXX XXXX XXXX and the account numbers are XXXX ... and XXXX ... As you can clearly say on my credit reports, XXXX XXXX is reporting the correct date of first delinquency but XXXX is not. At this point I want all the XXXX XXXX accounts removed from my credit reports.
Product: Checking or savings account

Wells Fargo opened up two accounts in my name to different regions and they will not let me open up an account Ive got it right here Im gon na send it I just Ive never had an account with Wells Fargo and now I cant but Ive got proof that they did this they did this to a bunch of customers please take care this for me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been XXXX for the past 10 years.While XXXX  someone was using my identity to buy a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kay Jewelers are reporting I was on LATE XX/XX/2020. I request METHOD OF VERIFICATION of this late payment. Please provide the names, phones, addresses and process used to determine the Late Payment or correct the history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are not mine. I ask yo to investigate this immediately because I can not get the point that someone used my personal data and now I have to suffer financially because of the error in reporting and because of the fact that these accounts damaged my score!!!! So how should I plan my life financially now? Remove them all please.
Product: Debt collection

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Product: Student loan

I am currently enrolled inschool, I was told that I had to begin paying my stident loans last XX/XX/XXXX. I am only making {$XXXX} a year and I can barely afford to stay afloat. I have asked for payments that I could afford they are charging me {$380.00} a month which is the lowest they were willing to go. I am barely living, I have askedd for other alternative, and they state I can pay interest only for {$310.00} a month and then my payments would go up after 18 months to over {$600.00} a year. They are n't taking all my debt into a coun and it is truly causing a financial strain to ake my payments each moth, I just feel that I am all out of options and stuck. Also when I advised of my hardship the rep just pulled my credit report without my knowledge and then just started getiing an attitude with me when I was only trying to work out an arrangement.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit.

Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dis
pute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Debt collection

this company took money from my account for " fees '' on settlements that I have not authorized or have removed from the program. They have taken over {$3000.00} of money for themselves and not handled any of my accounts and taken money not owed to them. They misrepresented themselves. I've been requesting cancelation refund and removal from the program since XXXX and they still are charging me and emptied my accounts. I'm on medical leave. I've had a major operation. I've reached out several times for help as I'm cash strapped and they took all my extra money I had saved to help pay down my debt and put it all in their pockets. I can't get anyone on the phone even after holding for hours. I get email bounce back. I last spoke to someone on XX/XX/23 on a " recorded '' line starting that the {$800.00} some odd dollars that was currently in my account was being returned in 2 - 5 days and they emptied my account and called it a " service fee '' for themselves. I've also requested a manager call me back as they have collected a {$2300.00} fee an an account that is not settled at all. they stopped sending money to the creditor. They also tried to settle two accounts without my authorization and take fees from me on those accounts too. This is a horrible business. my credit score was XXXX when I enrolled in the program and now its in the XXXX range and NOTHING has been resolved and I've been robbed over XXXX. It makes me crazy.
Product: Debt collection

XXXX XXXX was tasked with comparing and contrasting XXXX reports. XXXX XXXX CONFIRMED IN WRITING that it failed to compare and contrast the XXXX reports. 

Upon receipt of the very first fraudulent bill, XXXX XXXX headquarters was called. A XXXX representative stated that the fraudulent bill would never be sent again and that the fraudulent balance would be brought to {$0.00}. 

Subsequently, CMRE delivered a collection notice on the fraudulent account XX/XX/2018. On the very day that fraudulent notice was received, a dispute was delivered to CMRE via both mail and fax. On XX/XX/2018, CMRE ignored that dispute, failed to even attempt to validate the fraudulent claim made by XXXX XXXX and attempted to collect on the fraudulent claim. 

This illegal tactic was again attempted on XX/XX/2018, when I phoned CMRE to remind the company that it failed to validate the fraudulent claim made by XXXX XXXX. During that call, I notified the collector that this complaint would be filed. His response was " Do what you have to do. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information  ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information This account needs to be deleted immediately!!! 

This is my last written request for the inaccurate information to be delete by law. 


I submitted my dispute for the removal of an innacurate account.The account is XXXX. The account IS also furnished by the same creditor so why is all the provided data different? It shows different date of last payment as well as late payments showing up until XXXX which isn't accurate on a charged off account. There are no more payments so why is it showing late payments still? By law the bureaus are required to report consistent and 100 % accurate and you have failed to do so.
Product: Credit reporting or other personal consumer reports

I reached out to Transunion Credit Bureau several months ago regarding my credit report. The accounts attached to this complaint are still reporting inaccurately in my credit report. 

Federal Law ( US Code Title 15, 1681c ) controls the behavior of credit reporting agencies ( CRAs ) ( 623 dispute ) Allows consumers to dispute inaccuracies or discrepancies in their credit report. The discharged accounts listed below are being reported inaccurately/discrepancies and keeping me from rebuilding credit after bankruptcy filing. The Deragatory status that TransUnion agency is reporting has a negative impact on my credit score and causing my credit report to suffer. 

TransUnion is not reporting the discharge accounts on my report as Discharged included in Bankruptcy. 

I am disputing TransUnion inaccurate/discrepancies reporting in my credit file. 

Below are the accounts reported " Deragatory '' reported in an earlier claim, none of these accounts were ever late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XXXX XXXX XXXX XXXX XXXX balance {$4500.00} XXXXXXXX XXXX XXXX. XXXX, XXXX bal. {$4500.00}
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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Checking or savings account

I opened a {$2000.00} CD with Bank of America on XX/XX/XXXX to secure an XXXX  XXXX Visa XXXX credit card. The credit card was opened on XX/XX/XXXX and closed on XX/XX/XXXX. Ever since I closed the credit card, I have contacted Bank of America customer service over the phone on multiple occasions to close and release the CD as I no longer need to have it since the card it was securing has been closed. However, customer service insists that I am unable to close it since Bank of America 's business card department has not yet released the hold.