23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

the Credit Reporting Agencies are showing a judgement for treatment at hospital. I have NEVER been treated at XXXX 's XXXX XXXX ( Hospital ) and I provided them with evidence to proving that the debt does not belong to me. I pay my bills on time and have good credit other than this judgement. I need the CFBP to assist me to get this off my credit, it 's a terrible that the Credit Reporting Agency are allowed to report information that WRONG. They should not be allowed to have such a terrible impact on Responsible Consumer lives. I am relying on the CFBP to assist me to get this resolved. 
Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 student loans that are closed on my report but it is reflecting late payments from XXXX and XXXX XXXX these accounts was never late this year, it is inaccurate.I have contacted all credit agencies and the information is still reflecting inaccurate information. The information can not be verified because it is not accurate but they are still reporting as such.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX is paid but is negatively affecting my account as well as open sky credit. 

XX/XX/XXXX is reporting false statements and balances. it is paid off as of today XX/XX/XXXX XXXXXX/XX/XXXX ned to report off. that account should not be on my report.
Product: Credit card

I applied for a Chase Slate credit card, advertised as having zero interest on balance transfers. The intent was to transfer a {$20000.00} existing balance. I completed the information online and was informed that I was approved for a {$5000.00} credit line, which I did not want because it was not sufficient to cover the existing balance that I wanted to transfer. I immediately called Chase and they said they would close the account, but it would show as a closed account. It should never show up at all as I would have never accepted this offer. I was never given the opportunity to reject the offer once I got the credit limit, a key term in the agreement.
Product: Credit card

A tender of payment has been mailed to via Registered Mail to XXXX XXXX for proper account offset which was received XX/XX/year>. Instructions on the tender of payment stated pay to the order of Navy Federal to be credited within 5 business days and if this responsibility could not be performed to write to me within 5 business days as to the reasons why. Notice it is a fact as per UNIFORM COMMERCIAL CODE 3-603 this tender of payment was ACCEPTED via the POSTAL RULE ( # RF XXXX XXXX XXXX XXXX ) and WAS NOT RETURNED but yet not performed on. This forfeits a complete discharge of the amount of the tender presented. Navy Federal has alos receieved a copy B form of a 1099A ACCEPTED form and continues to collect money on the account. Navy Federal continues to double dip and continues to demand receivables ( fed notes ) on an account that was performed on and tendered and has even threatened to close my credit account that arose out of a Finance charge. This in fact will be unlawful for if Navy Federal does in fact close my account for alleging it has taken a loss in its books in giving me credits from itself I will then demand evidence under GAAP which Is owed to me per UCC 9.

I will now be forced to file a IRS Form 3949a against Navy Federal and a IRS Form 13909 if this matter isn't resolved swiftly.
Product: Debt collection

An account was opened in my name approximately XX/XX/2018 through XXXX XXXX. utilizing my name, social security number, birth date and my home address and was immediately charged up to $ XXXX.I was  not aware until I received a a collection notice from XXXX in XX/XX/2018 demanding a settlement.I called XXXX XXXX . to question the account and reported a case of stolen identity. They provided me a case # and suggested I contact the credit bureaus to establish report of Identity Theft. I have done so. I also sent a dispute letter to XXXX on XX/XX/2018 requesting that they provide me the details of their findings and confirmation that I have been relieved of this debt. To date I have received a call from the debt collector they have hired approximately 30 days after I had sent this request and have not received any confirmation of the above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an alert this morning on their app that my credit score with down by 16 points which they have never given me a one time score of 16 points for paying my accounts or bills on time and why did they decreased my credit score by 16 points? I was expecting an increase score because i paid off my car loan and one of my student loans because am trying to buy a house. Since my credit score went down, i wanted to know what i did wrong that cause a negative impact on my credit score so, i called Experian and spoke with a representative by name XXXX. XXXX told me that there is no information about why the system decreased my credit score but he knows that the system sometimes miss behave. He then asked me to wait for some few days and that the system will put my scores back together. I was shock and didn't know what to say again because if they have a system that plays with my life, my ability to buy a home, then what else can i say! 
I went ahead to ask about my disputes but he had no idea about any disputes and wanted to transfer me to the dispute department for me to make another dispute. 
It has come to me knowledge that Experian is finding ways and means to lower my credit scores so that i will not be able to get any credit approval and that i will be force to pay for accounts that I have no knowledge of. Experian and the creditors have no prove or right documents by law that those closed and collections accounts belongs to me. The closed and collations accounts doesn't belongs to me and they must delete them from my credit report since they have know prove. 
I want CFPB to intervene. 
.
Product: Debt collection

I attempted to have things removed off my credit that I didnt give authorization to and they have failed to provide me with proof that the debt is mine and refuse to delete
Product: Credit reporting or other personal consumer reports

I have noticed that there has been multiple unauthorized hard inquiries and other accounts that have been opened that were not made by me. I think it is unfair to feel robbed out of my own information and it be appearing on my credit report inaccurately. I have attempted to contact the companies and credit bureaus to have them removed and they said that they need a police report of some sort but I have no idea who is doing this so therefore I am un-able to file a police report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the inquiry listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. This inquiry was made as a result of unauthorized access to my personal information, and I am requesting its immediate removal from my credit report. 
The following inquiry should be blocked and deleted from my credit file : XXXX. XXXX XXXX  XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX contacted me about a debt of {$750.00} of a line of credit opened XXXX, last active XX/XX/XXXX. I explained it was not my debt. I instructed them not to call me to mail me and confirmed my home address. No mail ever came. They then called my employer with this same automated call. They continued to call me as well. I explained I was incarcerated in Georgia XX/XX/XXXX-XX/XX/XXXX and it was impossible I opened any lines of credit XXXX. He then went on to blame family members saying i guess your mother or sister did it. I again told him mail me the information do not call me. The calls were all 1-1 1/2 weeks apart. No mail came but AGAIN they called me and we had an altercation where he then proceeded to say my wife or boyfriend did it then. A letter showed up on XX/XX/XXXX finally. It was back dated to XX/XX/XXXX and said you have 30days to dispute these debts or we automatically deem them valid. Harassing and manipulating dates on mail to validate fraud of someone else is extremely disrespectful and unlawful.
Product: Debt collection

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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENEP, to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRU consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN ENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX BANK # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX
Product: Student loan

I paid off XXXX of the loans I have through Navient. As I paid off my loan in XXXX of 2016 they made it extremely difficult to pay off the loan with the form of payment I submitted. They basically made it very difficult to pay this off, all I wanted was for someone to take the funds I had allotted to pay off the loan. I have record of them believing I was late on my loan when I in fact had paid it in full. They also stated that there was " easier '' ways for me to pay off my loan that I should do in the future. Happy to elaborate more if need be. I also find it interesting that they never have emailed confirmation of my payments whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX 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: Mortgage

Lakeview loan servicing oversees my FHA loan. At the end of XXXX 2015, I applied to roll my FHA loan into a conventional loan in order to get rid of the mortgage insurance. I have submitted all the materials they requested within 2 days. When they requested additional material, I submitted it within a day. I have not heard from anyone from processing and it has been over 2 months. I have not received my appraisal report even though the appraisal was done over 6 weeks ago and I keep requesting the report. I send emails and leave voice mails, but no one responds to me. I do not know the status of my loan and have not received my appraisal report.
Product: Debt collection

I sent a letter to AAMs to validate the debts on my credit report and when I asked for proof that they own the debt or that the Hospital has placed them in charge of collecting the debt they refused to send me the information. I inform them I never received the original validation letter that they claim that they sent me years ago. They are still refusing to send me that copy of a validation letter I am demanding a copy of that validation letter stating that they are the original creditors or are in charge of the debt from the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding XXXX handling of disputes, particularly in light of the CFPB lawsuit highlighting significant amount of issues with the platform. Despite using Zelle numerous of times & reporting discrepancies, my financial institution & Zelle failed to investigate my claims adequately. The informed me of the recovering lost funds & the tracking was unfeasible.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Original. Account # XXXX  XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the. follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 card services XXXX, XXXX card services XXXX, XXXX financial 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 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 XXXX 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 the information is inaccurate. 

Under pandemic, and natural disasters they failed to provide relief or subsidy payments.
Product: Debt collection

I have never done any business with a company called CAVALRY PORTFOLIO SERVICE, yet they misuse my personal information which they fraudulently obtained. I would like to know who this company is and why they have my information, furthermore do I need a contract showing my signature and nature of business with this company as they are committing fraud using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

These addresses are in correct and inaccurate : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

NOTICE OF MULTIPLE FEDERAL LAW VIOLATIONS AND DEMAND FOR IMMEDIATE REMOVAL Re : Unauthorized Hard Inquiries dated XX/XX/XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' UNAUTHORIZED INQUIRIES TO BE REMOVED : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEGAL VIOLATIONS : 1. DIRECT FCRA VIOLATIONS : A. 15 USC 1681b ( a ) VIOLATION : " A consumer reporting agency may furnish a consumer report ONLY if : '' - Written instructions from consumer exist - Permissible purpose is certified NO SUCH DOCUMENTATION EXISTS B. 15 USC 1681b ( f ) VIOLATION : " A person shall not use or obtain a consumer report for any purpose unless : - The consumer report is obtained for a purpose for which it is authorized - The purpose is certified '' NO CERTIFICATION EXISTS C. 15 USC 1681q CRIMINAL LIABILITY : " Any person who knowingly and willfully obtains information on a consumer under false pretenses shall be fined, imprisoned, or both '' 2. PRIVACY ACT VIOLATIONS : 5 USC 552a ( b ) states : " No agency shall disclose any record ... without prior written consent '' - No consent provided - No authorization exists - No permissible purpose documented 3. ELECTRONIC FUND TRANSFER ACT : 15 USC 1693e : " A person may not condition extension of credit on consumer 's repayment by electronic means '' - Multiple electronic credit pulls without authorization - No electronic consent obtained - No written agreement exists BURDEN OF PROOF : Under FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : " 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 '' The burden lies with the furnishers to prove : 1. Written authorization for each inquiry 2. Time-stamped applications 3. Signed consent forms 4. Permissible purpose certification NO SUCH PROOF EXISTS MANDATORY REMOVAL REQUIREMENTS : Under FCRA 15 USC 1681i ( a ) ( 5 ) : " If information is found to be inaccurate, incomplete, or can not be verified ... the information shall be promptly deleted '' LEGAL PRECEDENT : Cortez v. Trans Union , LLC, 617 F.3d 688 ( XXXX XXXX. XXXX ) : - Requires immediate removal of unverified information - Places burden of proof on credit reporting agencies- Establishes strict liability for violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 i made a call to GM Financial to make my car payment. The women over the phone took my account information down and put it into her computer. She said the payment was made and we hung up. I have a confirmation from GM on their website saying the payment was made. Today I get a notification from XXXX saying that I am delinquent more than 30 days. I called GM and spoke to XXXX he told me the woman I gave my info to put it in wrong and the payment wasnt made. I said well why didnt you contact me? No one called texted or emailed. I asked him to remove that report from the XXXX credit bureaus, he said he couldnt because the payment was more that 24 days after the due date. His supervisor was supposed to call me back and never did. I have reported this to the credit bureaus today. 

GM should not be able to do this they had a responsibility to contact me to tell me they put the information in wrong. Can you please help I have uploaded a picture of my account stating payment was made on XX/XX/24.
Product: Money transfer, virtual currency, or money service

I have had a PayPal account now for a few months, so far Ive been able to make one transaction XXXX XXXX XXXX, this transaction was paid with my own account and it cleared and there was no problem with the transaction. Ever since this transaction though I havent been able to do anything with my PayPal account and I mean anything. I call in because everything is denied and they say its blocked by their security system and they can not disclose the reasons why. They advertise all these features but to someone like me who has no negative history with them and has had one successful transaction its seems crazy that I would be Blocked by a security system. I havent done anything wrong to even be on a radar to be blocked and I feel this is a scam to just get people to sign up. I will say my account is fully verified and everything. There literally is no reason I shouldnt be able to utilize PayPal and they wont do anything to resolve this