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

I am writing you this letter regarding payments that were marked late by your company for the following account : XXXX XXXX Account # : XXXX Experian Account # : XXXX XXXX Account XXXX : XXXX It is my understanding that per XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( XXXX ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

When I paid a lump sum of XXXX toward my student loan I was informed that it can not be counted toward the principle until the interest is paid off. I asked if I could apply it toward the principle but they said I could only apply it toward the interest. 

So now I have paid off all my interest and now Im slowly chipping away at the principle which of course makes my payments last longer so they can collect more interest. I feel ripped off.
Product: Credit reporting or other personal consumer reports

Experian is reporting multiple late payments across two different XXXX loans. These payments were never late and I have reported these late payments multiple times as invalid, inaccurate and a mistake that should not be on my credit report. Experian has claimed they've investigated my dispute and the reported information and found the information to be accurate. On XX/XX/year> and XX/XX/year>, I sent a letter to Experian challenging their dispute results and requesting a detailed description of the method of verification used to validate the reported information as required by Section 168i ( a ) ( 6 ) of the Fair Credit Reporting Act. Experian did not provide this information and it has now been 30 days.
Product: Debt collection

This Affidavit of Fact is Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which you NATIONAL CREDIT SYSTEMS are in violation as I never gave you my information directly ; I a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. Code 1692 ( e ) ; Take Notice that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you NATIONAL CREDIT SYSTEMS used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt ; Take further notice that I am the true creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefore I a consumer created the debt via my extension of credit to NATIONAL CREDIT SYSTEMS ; You NATIONAL CREDIT SYSTEMS shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; Notice that you are defined as a debt collector Pursuant to 15 U.S. Code 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 U.S. Code 1692c ( a ) ( 1 ) ; You NATIONAL CREDIT SYSTEMS are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; You are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ; Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you NATIONAL CREDIT SYSTEMS is stating that someone other than me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 ) ;
Product: Credit reporting or other personal consumer reports

For the past three years Ive been receiving numerous calls and emails from a collection agency asking about a XXXX XXXX bill that I owe for {$1000.00}. The agency is called I C System INC. Ive explained to them multiple times I never had a XXXX XXXX. Ive contacted XXXX several times to dispute this issue off my credit report and I tried disputing this issue on the XXXX website as well. However, nothing has changed but constant calls and emails from the collection company trying to force me to pay a bill that I never put in my name. On XX/XX/XXXX, of this year, I was denied for a home that I applied for due to having a this two fraudulent bills thats in the collections. Ive explained to them as well, I never applied for a credit card in my name and even explained this issue again to XXXX. This issue is holding me back from applying and being approved for a home and damaging my credit score. This issue has gone on for too long and something has to be done. I filed a complaint on the consumer complain.gov website. Also, the attached documents and a copy of my state ID ( front and back ) are uploaded now.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX/XXXX  is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my credit Acct # XXXX.
Product: Mortgage

I have been working with my mortgage broker since XX/XX/XXXX. We needed to get a loan payoff from PHH Mortgage. I requested one on XX/XX/XXXX from XXXX. The new lender that my broker had lined up was not ready to close. So a new payoff was ordered on XX/XX/XXXX they stated it would be available in 14 days, we did receive this one but the payoff date was off. As my broker told me the payoff needed to be good through months end due to the fact a reverse mortgage is an FHA loan and all payoff must be good through that month. 

I did receive a communication in the mail from PHH mortgage that my loan has been transferred on XX/XX/XXXX to a new servicer. When i spoke to the servicer on the phone XX/XX/XXXX they stated the payoff would be to my home within 10 days. 

It is now XX/XX/XXXX and i have not received anything from this lender. I would like some help or answers. I just want to refi this loan and take advantage of the excess equity in my home. All other items have been cleared by the new lender but without a payoff they will not fund the new loan.
Product: Credit reporting or other personal consumer reports

Subject Line : Dispute of Inaccurate Credit Report Information Lack of Verification by Credit Bureaus Complaint Overview : I am filing this complaint regarding inaccurate information on my credit reports. Despite following the proper dispute process, XXXX failed to verify the accuracy of the information as required under the Fair Credit Reporting Act ( FCRA ). 



Details of the Issue : Disputed Items : - Account Name # XXXX XXXX XXXX XXXX XXXX Account Number ( partial, for privacy ) XXXX Issue : Lack of verification, incorrect information. 

- Account Name # XXXX XXXX XXXX XXXX XXXX  Account Number ( partial, for privacy ) : XXXX  Issue : Late payment is incorrect. 

- Account Name # XXXX XXXX XXXX  XXXX Account Number ( partial, for privacy ) : XXXX Issue : Late payment is incorrect. 

- Account Name # XXXX XXXX XXXX XXXX Account Number ( partial, for privacy ) : XXXX Issue : Late payment is incorrect ; it occurred after the loan was assumed by someone else. 

Dispute Steps Taken : On XX/XX/year>, I submitted a dispute to XXXX via online portal .

The credit bureau claimed to verify the information but did not provide any evidence or documentation to support its decision.

Why the Information is Disputed : I believe this account information is inaccurate and unverifiable. The credit bureaus failed to provide proof that the information is accurate or properly verified.
Product: Credit reporting or other personal consumer reports

There are still fraudulent inquiries in my report.Transunion is playing with my report that affects my life! remove these as soon as possible. 

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 XXXXXX/XX/year>
Product: Checking or savings account

Early in XX/XX/year> I received a check from our mortgage company for reimbursement of escrow funds. The check was made payable to my mother and my wife. When my mother visited us later in the month we went to a branch to deposit the check in person as they informed me she needed to be properly identified. The teller took her ID information and deposited the check. The check was for {$690.00}. My additional balance in the account is over {$20000.00} so needless to say theres fund in the account to cover that check if anything went wrong. 

So now today almost 2 weeks later Im trying pay our countertop installer and my XXXX payment wouldnt go through. I called to verify my identity and they informed me that the XXXX payment wasnt an issue, my account has been blocked because of 3rd party check fraud. 

The department disconnected me multiple times while I was being transferred. Finally I spoke with the branch manager XXXX at the XXXX XXXXXXXX, California Branch and he informed me that after speaking with the fraud department I would need to bring my wife and my mother to fill out an affidavit of endorsement. My mother lived out of state. The offered to have my wife complete her portion then overnight it to my mother. I informed him I thought it was XXXX but I would bring my wife in when shes off work. 

After exhausting hours on the phone trying to come to a resolution, my wife arrived home from work. When we arrived to the branch she went up to ask the teller for help. She then became upset as neither the teller or supervisor knew what to do to assist. The manager named XXXX came over to investigate the issue and informed my wife he had seen her come in with me. He informed her that I cursed at him earlier ( when I said this process is XXXX ) and that I needed to leave the branch. I simply asked him to help her with the form and he came at me in an aggressive manner coming close to putting hands on me. He told me to leave or he would call the police. I didnt want to further the issue of resolving this manner so I waited outside. 

While waiting I see my wife approaching the door and came out to inform me he was calling the police on her because she had an alarm on her phone that went off that was disturbing his business. We left as I dont want to be arrested and he didnt want us on the property. 

I then contacted the fraud department again which informed me of the process once more. I informed them we just went to a branch and were refused service. We then went to another branch to get the process started before cosign and they had no idea what form we need to fill out.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this to report one fraudulent account appearing on my consumer FICO credit report, which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX  on XX/XX/2023 under the account number XXXX. Additionally, there was a fraudulent hard inquiry by XXXX XXXX on XX/XX/2023 and XXXX XXXX on XX/XX/2023. These items have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws. I demand the removal of the following addresses, as they are associated with the fraudulent activity : XXXX XXXX XXXX XXXX, XXXX, MA XXXX ; and XXXX XXXX XXXX, XXXX, MA XXXX. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I have never once given you guys a permissible purpose to furnish this bankruptcy account on my credit report whatsoever. You can not produce any contract with my signature giving neither you nor the bankruptcy court permissible purpose to furnish this bankruptcy on my credit report. Therefore Bankruptcy XXXX XXXXdischarged Date Filed/Reported : XX/XX/XXXX  Reference # : XXXX should be removed from my credit report entirely!!
Product: Credit reporting or other personal consumer reports

Per the FCRA as federally protected consumer I am not opting out of any and all authorization of reporting. I the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Product: Debt collection

I received a call from a XXXX XXXX stating that he works in the XXXX XXXX branch and I need to respond to court documents that were served to me today. I never received the papers so I called them to see what this was about. The person answered XXXX XXXX XXXX, asked for my case # then transferred me to XXXX who asked if this was me or my lawyer? 

He was extremely rude and told me that I owed Citibank $ XXXX. I told him that Ive never had a Citibank account and asked when it was opened. He told me he has no time for this and to expect a summons later today then hung up. I called him back asking him to be professional and inform me about the case then he recited my SS #, told me to expect a summons later today and to pay my bills. I asked him if this was a scam and he once again hung up. No server has been at my property with any court papers! 
Caller : XXXX XXXX XXXX XXXX Call type : Debt collector I found out that this person attempted the same scam with another person by doing an online search. Here is the weblink XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is all three credit bureaus Experian, XXXX XXXX are reporting this one account XXXXXXXX XXXX XXXX  which is a charge off. I called XXXX XXXX XXXX to pay off balance until they told me this account was given to collection agency back in XX/XX/XXXX they asked me why I did not pay it 2 years ago, my response to them that I became homeless and lost my employment and I moved around alot could not keep up with my mail at the time and when I did purchase PO BOX it was already too late when I received the letter that I owed a balance. So they gave me the name of the company they sold the account too, an collection agency called XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I spoke to agent at XXXX and explained to them that XXXXXXXX XXXX  is showing a balance of {$99.00} on my credit report which they have the right to do so until they sell the account. The account was sold in XX/XX/XXXX at that time only suppose to show a balance of {$0.00} for a charge off after it is sold. The credit bureaus are showing a balance of {$99.00} which is incorrect and they are reporting this account and do not know themselves who bought this account because it does not show on the account but they decided to still report XXXXXXXX XXXX account with a balance of {$99.00} charge off, however there should be no balance reporting if the account has been sold to a collection agency. there should be XXXX balance reporting. I asked XXXX XXXX to remove the whole account due to the fact they sold it and gave incorrect balance on my credit report and I was told to call company XXXX at XXXX and pay them because they are the company that owns the account and only ones who can remove the account but XXXX is not on my credit reports so how can I dispute with the credit bureaus if XXXXXXXX XXXX will not remove there account but a collection agency owns the account who is not on my credit report. I have paid {$99.00} directly to XXXX on XX/XX/XXXX {$91.00} & XX/XX/XXXX $ XXXX asked XXXX to remove XXXX XXXX  account since I paid the balance now there telling me to call XXXX XXXX to remove it. WOW this is crazy they are playing back & forth game with me and I'm sick of it. Its causing me hardship and completely messed with my credit. I do not wish for either company to be reported on my credit report and I do not want the credit bureaus to know the name of company that bought the account. They should had done better research on account before putting it on my credit report with the correct updated information. Please help me with this situation Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont believe TransUnion is in fair practice or is resolving disputes accurately. I had two false collections reported and neither were satisfactorily resolved. One of the accounts I submitted picture proof that the account was closed in good standing, then the company ( a gym ) continued to charge fraudulently and illegally sent a false amount to collections. I will not pay this and will sue the credit reporting agencies if necessary for allowing false damage of credit and fallout including damages against myself, including but not limited to damaged credit and inability to procure a vehicle for work due to false credit damages. Gyms should not be allowed to take advantage of people during Covid, and TransUnion has a responsibility to make accurate credit reporting.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 - Obligations with respect to disclosures of personal ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution XXXX not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( XXXX ) In general A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section. CFPB XXXX XXXX HAS VIOLATED MY RIGHTS, SHARING OF MY NON PUBLIC INFORMATION WITH XXXX XXXX XXXX.
Product: Mortgage

A title opinion when going to still a home, showed that a mortgage was assigned to PHH Mortgage/FL in XXXX. The loan was paid off in XXXX but not recorded therefore there was still a lien. I faxed all info to the lien release dept on XX/XX/XXXX. On XX/XX/XXXX the company said it needed 4-6 business days to get me a lien release/ satisfaction letter. It's now XX/XX/XXXX. I have sent received 65 emails and made 25 phone calls : still no release.
Product: Credit reporting, credit repair services, or other personal consumer reports

https : XXXX? XXXX CFPB Write up n accordance with the Fair Credit Reporting act 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 or other personal consumer reports

on XX/XX/year> i notified the legal department of XXXX XXXX opting out of any and all authorization related to the sharing, reporting, or disclosure of my personal or financial information to any and all credit reporting agencies and/or third parties.as a federally protected consume i exercise my right to privacy under applicable federal statues.