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

I'm in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXXXXXX number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. IN ACCORANCE with The Fair Credit Reporting Act, Public law 91-506 Title VI, Section 611, please provide the names and businesses addresses of each individual with whom verified above so that i may follow up. Please send a updated copy of my credit report after your re-investigation.
Product: Credit reporting or other personal consumer reports

Trans Union said my credit scored was lowered due to me charging an XXXX account over my spending limit -- something I have never done -- when they read the account number off, it isn't mine. 

XXXX verified they've never had to report anything to credit reports on my behalf and i hve never exceeded my credit limit. 

I want to see the report and who added this to my report in error
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a 36month lease with Honda financial. The account was on auto paid and paid on time for 30 months. On month XXXX, for a reason unknown to me, the auto pay date started to kick inn 1 day after the due date, creating late fees. At no time Honda contacted me by either mail, email or phone to advice that there were late fees accruing on my account. 
I had reach them to get them to remove the charges to no avail, simply because I did not lease a new honda vehicle as I had in the past. 
I have sent proof of auto payment to all credit agencies, XXXX, XXXX  XXXX XXXX, but honda financial replies to them every time that the late payment fees are due. 

attached proof of the last payments
Product: Credit card or prepaid card

I erroneously sent my mortgage payment to my credit card company on XX/XX/XXXX. I sent {$2000.00} and only owed {$160.00} at the time ( statement balance ). When I reviewed my account on XX/XX/XXXX I immediately called my bank to see if the payment could be recalled and it could not. So, I called the credit card company and they stated that the payment had to clear before a refund could be processed. I called back the following business day and was told that I had a new pending charge of {$76.00} that needed to clear before the refund could be processed. I then called back the next business day and was told that it would take 21 days to process my refund. This is an excessive amount of time to electronically refund my over payment. I have always handled my account appropriately and the money was transacted in their favor in 1 business day. I need my money rightfully back so that I can pay my mortgage. I tried to resolve this with XXXX and it's as if they are not listening at all. They keep reiterating that the payment will be returned in 21 days. This is an unreasonable timeframe to electronically refund my money. I work for a XXXX XXXX and 3-5 days is an appropriate timeframe. I now can not pay my mortgage. XXXX charges me interest when I hold their money. Are they going to pay me interest for holding my money? I need my money back immediately.
Product: Credit reporting or other personal consumer reports

Despite my prior seven attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. This letter marks my eighth attempt to request the removal of these unauthorized transactions from my account. The continued presence of these fraudulent items not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. 
The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. I have attached all relevant documentation once again, including account statements highlighting the fraudulent items and any supporting information that could aid in the investigation. I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to correct the accounts:XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX XXXX XXXX : {$20000.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I never received the credit card and never used it I was out of country when this was happened XXXX XXXX XX/XX/XXXX to XXXX XX/XX/XXXX .when I came back I received phone calls and letters about the debt.I wrote letters to the company that this is not my debt I want to dispute the validity of this debt .They place a hold on my checking account due to judgment.The default dates on which the balance became due is XX/XX/XXXX when I was out of country. 
Original creditor : Washington Mutual Bank Account XXXX Creditor : XXXX XXXX XXXX
Product: Debt collection

I have received XXXX ( XXXX ) telephone calls within the space of a week or so! They constitute harassment. These despite the fact I have been making payments on time!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Accounts XXXX # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, Transunion, and XXXX   have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Debt collection

I found a collection on XXXX of my credit reports. I asked the credit agency to verify the information and they said they did. It is a XXXX bill outstanding from an account opened in 2009 in a city I did n't live in, with a different last name than mine as well as a different SS number. I called XXXX and asked them use my name and SS and they did n't have any records of any accounts or outstanding bills. Into the picture comes Enhanced Recovery Company ( ERC ). They have been VERY difficult to work with. I 've repeatedly called them and was told to send in by email and mail documents ( drivers license, SS # and copy of credit report ). I 've done all of the above to no avail. I can not get any response or action on their part. Every time I call I am passed on to a " manager '' who still can not help me or find any of my information that I provided at their request. I have read so many terrible reviews of ERC that I 've decided to go down this path for some help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00}, XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$5300.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2600.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Student loan

I submitted a deferment request to Sallie mae multiple times and they never processed my request. I returned to school fulltime in XXXX and XXXX XXXX and keep submitting request and received apporval and then the next month the request went away and payments were requested again. I have submitted XXXX more deferement request in XXXX that have went unnoticed and no response. Sallie mae has proceeed to call me multiple times a day with harassment phone calls all hours of the day starting at XXXX even on weekends.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave wri

tten instructions to furnish any of the following accounts. Secondly according to the 15 USC 1681.The law clearly states. 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

CREDIT SERVICE IGNORED MY Affidavit of XXXX, Notice & Demand, & CEASE AND DESIST DEMANDS. THEY DID NOT RESPOND WITHIN XXXX XXXX DAYS PURSUANT FEDERAL LAW. XXXX SERVICE illegitimately assumed the role of reporting information about me. I've reach out to XXXX Service; in attempts to resolve their XXXX and XXXX actions ; amicably and out of court more times than I've kept record of ; via telephone and XXXX CERTIFIED MAIL tracking number : ( XXXX ). FIRST AND FOREMOST IVE NEVER DONE ANY TRANSACTIONS WITH CREDIT SERVICE SO ANY ALLEGATIONS ARE A DIRECT VIOLATION OF MY RIGHTS PURSUANT TO FEDERAL LAW. CREDIT SERVICE HAS NO EVIDENCE OF ANY ALLEGED INDEBTEDNESS. ITS IMPOSSIBLE! SECONDLY IF THEY DO HAVE ANY ALLEGED AGREEMENT ITS NULL/VOID BECAUSE THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH CLEARLY, CONSPICUOUSLY, OR REASONABLY. THAT MAKES IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY ALLEGATIONS CREDIT SERVICE ARE ALLEGING. I NEVER RECEIVED ADEQUATE NOTICE PLUS CREDIT SERVICE KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AXXXX IDENTITY THEFT. XXXX XXXX REPORTING FALSE ALLEGATIONS TO XXXX PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE EXPERIENCED DENIALS, UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THERE INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

So we have a big issue with our escrow for this year that we need assistance with, I 'm not sure who to turn to on this. We got our annual escrow disclosure statement a couple months ago and our flood insurance had two separate charges, one for XXXX and another for XXXX. Our original flood insurance was {$420.00} annually. We called and spoke to both caliber rep and a rep from our insurance company, coming to the conclusion that they submitted our new flood insurance at {$7100.00} and the {$9200.00} was a goof up for some reason or another on their part. You see no one had let us know that they were going to increase our flood by 2086 % ..they also did n't send us paperwork about this nor did we sign anything that we would accept any of these new policies that they submitted into place in error and without our consent. So after much arguing with the insurance company and them having us pay to get another elevation certificate done they were able to " grandfather '' us in for an new annual flood rate of {$1400.00} and sent 2 refund checks of {$2700.00} and {$5300.00} XXXX to make up the difference. If you do the math this is obviously not going to cover the {$9200.00} and {$7100.00} they subtracted from our escrow account making it be in the thousands in the negative.-XXXX $ ++. So we then deposited total of {$6600.00} into escrow to try to pull us out of the negative. Which our XXXX deposit would pay everything we even owe for escrow regarding our taxes, pmi and insurances. They have adjusted escrow 3 times and still have n't taken care of the XXXX charge. Also on the updated escrow disclosure they have another XXXX charge for the new policy, however the XXXX is still in there with our added deposit to make up the difference. This is making our " new '' mortgage payments almost a thousand dollars more than our old payment. Also our taxes are less because we have homestead. Everyone is dragging their heels with helping us. We ca n't afford to keep paying for this mistake and afraid will have to sell our house or get foreclosed on due to this error. I have XXXX children to take care of and one of them has serious medical issues as she has a XXXX XXXX and XXXX XXXX that is already stressful enough to deal with without having this extra burden on me. If you could please look into this matter as I feel like what happened was unlawful and not within the standards of this industry.
Product: Credit reporting or other personal consumer reports

My account with XXXX BANK, XXXX XXXX BANK XXXX, XXXX BANK XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 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 BANK, XXXX XXXX BANK XXXX, XXXX BANK XXXX, XXXX XXXX XXXX  XXXX XXXX AND 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 card

I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off on my credit report by XXXX XXXX XXXXXXXX XXXX which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) and the regulations governing the responsibilities of furnishers of information. Specifically, XXXX XXXX XXXX is inaccurately reporting a charge-off as a debt on my credit report, when the IRS clearly defines a charge-off as gross income ( canceled debt ). This is causing significant harm to my credit score and financial well-being, and I am requesting the CFPBs intervention to resolve this issue. 

XXXX XXXX XXXX XXXX XXXX, and Citibank is inaccurately reporting a charge-off on my credit report. While charge-offs are defined by the IRS as canceled debt, and such canceled debt is reported as gross income on tax returns ( via Form 1099-C ), this debt is being reported inaccurately as a liability, which is incorrect. As per IRS guidelines, a charge-off should not be listed as a debt on a credit report, but rather as income, if applicable. 

I would like to bring your attention to the following legal provisions : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : According to this section of the Fair Credit Reporting Act ( FCRA ), a furnisher of information, such as XXXX XXXX XXXX XXXX  Citibank, XXXX, and XXXX are prohibited from reporting inaccurate information to consumer reporting agencies. 
15 U.S.C. 1681s-2 ( B ) : If a furnisher, like XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Citibank has been notified that the information is inaccurate and it is indeed inaccurate, they are prohibited from continuing to report that information. 
IRS Guidelines : The IRS defines a charge-off as gross income ( canceled debt ), which is to be reported on a taxpayers return as income, not as a debt or liability. 
By continuing to report this charge-off as a debtXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and Citibank is violating these provisions and the FCRA. 
I have disputed the charge-off with the credit reporting agencies ( XXXX, XXXX, and XXXX ) multiple times, but the inaccurate information remains. Despite these disputes, the charge-off continues to be reported as a debt on my credit report, and I have received no satisfactory resolution from the credit bureaus or from Bank of XXXX XXXX XXXX, XXXX, and Citibank directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to all creditors about the accounts for over a year have not gotten any resloution ask creditors to send the orignal contract and provide verfication for the last year I still have not gotten any information from the creditors aslo filed disputes with all three credit companies such as XXXX, XXXX, XXXX. All creditors are reporting in accrate information on my credit report.
Product: Checking or savings account

They wrongfully ended my account for no reason due to unprofessional agents I tried to file a claim and they hung up on my face.
Product: Debt collection

XXXX XXXX XXXX XXXX and XXXX sent one invoice for the balance after insurance payment and I paid the balance through my XXXX account, which I have confirmation. 
A month later, Prince Parker, a debt-collector called me for the payment. I informed them that I already paid and requested to check with the debtor. After two weeks, the debt collector sends a notice for payment. 
I do not deserve this harassment from the debtor nor their debt collectors for a balance I already paid. First they need to Improve their accounting process before they play this dirty game of extortion.