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

To Experian This letter is a formal complaint that you report inaccurate, unauthorized, and possibly fraudulent credit information.

UNDER THE LAW 15 USC 1681 SEC. 623 IF NO RESPONSE AFTER 30DAYS THATS ANOTHER VIOLATION UNDER LAW 15 USC 1681 SEC.

611 ATTACHED TO THE ACTUAL CONSUMER COMPLAINT Everything must be 100 % accurate. YOU STATED MY ACCOUNT WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL AND ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
I request that you immediately remove the accounts listed : 1. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under XXXX XXXX XXXX XXXX ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXXXXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
4. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. You are in VIOLATION of the 15 USC 1666B. This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Under 15 USC 1666B, I demand you to update the payment record in this account.

ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT XXXX XXXX PER VIOLATION OR REMOVE ACCOUNT! 
I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 
You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 
Please see the documents included with this letter for my proof of identity and address. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that this account would be deleted because it was paid in full. 
XXXX/I.C. System account was paid off on XX/XX/2020 ( two accounts ). Total amount paid is {$450.00}. These accounts are still showing on my credit report.
Product: Student loan

XXXX Called and was placed on hold for XXXX hours then and left message regarding monthly payments that are starting XX/XX/XXXX that I can not pay. 

XXXX filed complaint with Massachusetts attorney general, have not heard back XXXX called XXXX XXXX XXXX for XXXX XXXX and gave financial statement, my co-signers have tried to call to give their financial statement multiple times and they keep being sent to the person I talked to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXXXXXX XXXX XXXX BalanceOwed : {$660.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX Balance Owed : {$3600.00} ; XXXX Balance Owed : {$1500.00} ; XXXX Balance Owed : {$1500.00} ; XXXX XXXX****Balance Owed : {$890.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXXXXXX XXXX****Balance Owed : {$27000.00} ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed XXXX {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has been informed through several notices via certified mail and through the CFPB to correct the information on my consumer report. On XX/XX/2022 I sent an affidavit through USPS via certified mail and received verification for tracking number XXXX XXXX XXXX XXXX XXXX that my affidavit giving notice of violations was received on XX/XX/2022 at XXXX pm. They were given 5 days to comply within my affidavit and TRANSUNION has failed to respond in a timely manner and by law all violations must be corrected and penalty must be paid to me in the amount outlined in the affidavit.
Product: Credit card

" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else XXXX dealing with right now. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed late payments with XXXX on several occasions without any results from XXXX for the XXXX major credit reporting agencies. I called XXXX on XX/XX/XXXX to request statements showing I was late on the dates reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX was unable to provide statements with late payment information and information was not available online as well. Only XXXX statements were in their system and for me to review online which were not the statements needed. My concern is what information did XXXX provide to the credit reporting agencies to show PROOF I was late if they were unable to provide me with the information. I would like to request proof of late payments via statements for the months XXXX is reporting I was late. When I called the credit bureaus they were unable to provide documentation after several dispute letters as well.
Product: Debt collection

i made my car note payment on the XXXX of XXXX about the XXXX of XXXX I along with the Account holder started getting calls about the payment we were told that the payment was decline, I explained that the transaction was ran twice approved the first time and declined the second time I was asked to fax my bank statement to there office I did that, a few days later more calls came in again I explained my situation about the payment ( this is a different person ) I was told that the fax was not able to locate it and ask to fax it again I not only fax it I hand delivered a copy to the XXXX office, again a few days later more calls came in this time I 'm talking to XXXX I was told by here that I have been very uncooperative! now she 's asking to speak with my bank because I do n't know what I 'm talking about and get off the phone! so I ask XXXX who would you like to speak to from the bank im standing in the bank now? mind you I 'm standing in the tellers window with the teller and Bank manager so I ask again " XXXX who would you like to speak to from the bank I 'm in the window now? she stated " get me someone that knows what there talking about! I ask who XXXX would you like to speak to she either hung up on me or just refuse to talk I kept saying hello XXXX 5 times she never replied so I hung up and called back, then she started shouting I hung up on her, by now the Bank manager suggested that XXXX call her direct? XXXX stated she could n't call the bank and the manager of the store said she could n't talk on my phone, so I ask XXXX what do you want me to do you cant call and she cant get on my phone? at this point XXXX decided she would call the Bank which is illegal, after XXXX spoke with the Bank Manager about my account she ask to talk back to me when I get on the phone now XXXX is asking for my Credit card information Card number expiration date and security code which is totally unethical. then I spoke with several other peoples from Honor Finance and no one could find or figure out what happen to the payment, after I gave all my CC info I was told by XXXX she would call me and the bank to inform us on the status of the issue this was on or about the XXXX 2017, after speaking with XXXX a few days later I got a call form a manager XXXX? I explained to him the situation he began to laugh! I ask was it funny he stated he 's not laughing at me but at what I 'm going thought so it let me know that the treatment I 'm getting is really a practices no one took the time to find the payment but everyday I was receiving calls about the payment from at least XXXX different employees of Honor Finance.
Product: Debt collection

ONCE AGAIN IC IS TRYING TO SCAM ME AGAIN
Product: Debt collection

On XX/XX/XXXX, I was in an accident and sought medical care. My insurance company, XXXX was informed of the incident soon thereafter. I received a letter dated XX/XX/XXXX ( attached ) from XXXX stating that they were unable to pay the medical bill due to " untimely submission ''. 

On XX/XX/XXXX, the Collection Information Bureau , Inc., a debt collection agency, sent me a letter ( attached ) stating that I was reponsible for the amount of {$230.00} owed to XXXX XXXX XXXX. I responded to that letter on XX/XX/XXXX via a letter ( attached ) disputing the claim that I owed any debt as it was my belief that it had been paid by XXXX. Despite that, I received another letter ( attached ) from Collection Information Bureau , Inc. confirming receipt of the aforementioned letter and again asking me to pay the amount of {$230.00}. 

I feel that this is constant harrassment for an alleged debt that I do not owe, and the Collection Information Bureau , Inc should contact XXXX and stop contacting me.
Product: Debt collection

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you kindly review the documents? Several of the listed accounts are inaccurate, and it's causing me discomfort
Product: Credit reporting or other personal consumer reports

Thank you for addressing the errors previously identified in my credit report. However, I am not completely satisfied that you have adhered fully to the requirements of the Fair Credit Reporting Act during your review. It appears that certain accounts still require appropriate action to ensure the highest level of accuracy on my credit file. Consequently, I request a re-investigation of the items listed below : XXXX XXXX XXXX Balance : {$1100.00} & XXXX XXXX XXXX Balance : {$35000.00}. Should your re-investigation fail to verify the accuracy of the disputed account information that I believe is incorrect, I request that these records be updated immediately. Additionally, I would appreciate it if you could provide a detailed explanation of the methodology employed in verifying the accuracy and completeness of the information, to the address provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This isn't denying the debt debt but to report that American Honda Finance is reporting inaccurate and inconsistent information across all three credit bureaus which all information being reported to the credit bureaus must be 100 % accurate. Numerous violations are in place and even though American Honda Finance is not a debt collector per the FCRA all information being reported must be 100 % accurate which is a fine of {$1000.00} per violation. XXXX  and XXXX  reports a high balance of {$16000.00} while reporting {$12000.00} on XXXX. This inconsistent reporting is hurting my credit score and even causing me to get higher loan rates by having a higher debt ratio on my report by when loan officers compare my income to debt ratio it'll look higher at {$16000.00} vs if it's indeed {$12000.00}. This reporting also has caused me to get denied job opportunities by XXXX and others by having inconsistent information on this account and having charge off payments being reported when it's not supposed to once the account is closed no late payments are suppose to be reported per the FCRA. The Date Of Last Activity for XXXX  shows XX/XX/XXXX while XXXX  shows XX/XX/XXXX and XXXX  showing XXXX. This account on XXXX  and XXXX shows a later date of last activity which is inconsistent with all three bureaus and is in violation with the FCRA by the accounts would be ILLEGALLY re-aged on how long they would stay on the report. If all three credit bureaus are getting their information from the same creditor how is it that they're all reporting inconsistent information. XXXX  shows this account was an auto loan when in fact it's an Lease as shown with XXXX  and XXXX, The payment history across XXXX  and XXXX  are both inconsistent and shall show with the attachment highlighted. 




I've disputed this account previously back on XX/XX/XXXX and the creditor bureaus and experian did not update the date last date Verified which is a violation with the FCRA by which they're suppose to update the account each time when the file is disputed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report by Navy Federal Credit Union ( NFCU ) pursuant to the Fair Credit Reporting Act ( FCRA ). Specifically, NFCU has incorrectly reported my account of two of my credit cards as 30 days late to both XXXX and XXXX, while inconsistently reporting it as 60 days late to XXXX. This reporting is factually inaccurate, as I have never missed or been late on a payment for this account. 

The truth is, I was granted a deferment on my account payments from XX/XX/year> until XX/XX/year>, and at no point has my account been overdue. Despite this deferment, Navy Federal Credit Union falsely claimed that my account was late, which led to the incorrect reporting to the credit bureaus. Further compounding the issue, NFCU closed my account based on this erroneous XXXX late status. 

I have previously requested an investigation into this matter, yet no resolution or formal written findings have been provided to me. This continued incorrect reporting has not only impacted my credit standing, but it has also caused significant distress and financial harm. 

I am requesting that Navy Federal Credit Union immediately rectify the inaccuracies on my credit report by deleting the accounts from all three credit bureausExperian, XXXX, and Equifaxas they can not validate the correct information. Reflecting that my account was neither 30 days nor 60 days late and that I had an approved deferment until XX/XX/year> is both horrible service and illegal. 

Should NFCU fail to take immediate corrective action and properly update my credit report, I will be forced to pursue legal action in my jurisdiction to seek monetary damages for the harm caused by this inaccurate reporting. 

I look forward to a prompt response and resolution of this matter. Please note these are my words and my own complaint and I am not being coerced into writing this complaint or represented by third party. Please do not try and delay the outcome by using this manipulative method of stalling.
Product: Mortgage

Purchased my home for {$160000.00} in XXXX. In XXXX, we had modified the mortgage to lower the payments from {$1400.00} to {$1000.00}. We were able to pay that amount until just this past year. We separated, but the house is still underwater for value, so I wanted to keep it. I did another loan modification. They lowered the payments to {$850.00}, but did NOT tell me about the balloon payment until the final docs were submitted. So I stopped paying my mortgage per their instructions, made 3 trial payments, then at the end, they threw a {$71000.00} balloon payment on it. While it 's in the agreement, at the beginning, I did not know about it the whole time, or I would have said No way. But, at that time, I was 3 payments behind, and had paid into the trial, and of course there 's always the money that I already put into the house, and the fact that I did n't have a place to live. This balloon payment is so much that by the time I 'm done paying for the house in XXXX, I will have paid {$390000.00}. Which is over twice as much as the house 's initial purchase price. I do believe they had me in a tight spot, and just to get $ XXXX out of someone who works for a living is horrible. They already put my " 3 missed payments '' into the principle balance, whatever could the $ XXXX be for?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to do a Theral review of the credit report they it but there are still inaccuracies found. in accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights, 15 u.sc 1681 section 602a section 2 it also states consumer reporting agency can not furnish a account without my written instructions. therefor they are wrong
Product: Credit reporting or other personal consumer reports

XXXX Transunion XXXX Subject : Unauthorized Credit Reporting Without Consent Dear Sir/Madam, I am writing to dispute unauthorized credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX. 

Under 15 U.S. Code 1681b ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
**Details of Disputed Entries : ** - Creditor Name XXXX XXXX XXXX - Account Numbers : XXXX Dates of Unauthorized Reporting : XXXX XXXX XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XXXX XXXX was a victim of fraud. I called Citibank because I felt something was wrong after I got off the phone with a XXXX employee who transferred me to a different department to resolve my issues with stopping a automatic deduction on my checking account. They Put in an investigation in however came back and said that my claim was denied. So Citibank wont honor a claim for a fraud victim. To make matters worst I repeatedly called, visited branches to get my checking plus line of credit transferred to the new checking account no results was told it cant be done. I asked for the old checking plus to be linked to my card so I can pay it that was never done then they charging me late fees and ruining my credit. I mess eventually told by a personal banker at the XXXX XXXX, New York location that my checking plus account could not be transferred to my new account. If I wanted to use my checking plus account that they would have to remove the fraud freeze and if any unauthorized transactions took place I would be held liable. This has been a nightmare not only was a victim of fraud by criminals, I am also a victim of Citibank. My credit score dropped over 40 points during the time.
Product: Debt collection

They called me. I played along knowing I have no debts and I follow my credit rating monthly on top of that. They are perusing a debt from XXXX that was my ex wife 's and even though it is well past the XXXX, the debt by divorce decree is solely hers. 

They threatened legal action, to sue me and at that time I attempted to get an address. They would not comply as i simply wanted to file a cease a desist order along with some other recommended forms such as proof of debt and so on but they would not give me an address so i told them I cant help them. 
The next day I get a text from my brother telling me someone called him saying i was being sued. I then called them back to push harder for an address and company name and managed to get one if it is even correct. 

I am a fully XXXX vet on top of that and i know vet XXXX and XXXX have special laws, not sure if any fall into this though. 

Please let me know what you need from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have wrote this company a letter after looking at my credit report with fraud information they have failed to remove these fraud account or even investigate my dispute with proper documentation. I have sent them a notary from the federal trade commission. They failed to even investigate this manner
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that 10 accounts on my credit report that is currently in litigation that should not be showing on my credit report.