23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, I renewed a previously purchased ( Prepaid ) Insurance package with XXXX insurance, that included homeowners & auto insurance. The homeowners is paid annually by mortgage company from an escrow account. In XX/XX/XXXX, XXXX cancelled said policy due to non payment from mortgage company. Instead of cancelling the policy flat, XXXX changed my policy and back billed me for auto insurance that was also previously paid and applied my auto policy payment to said change. I did not agree to this change and I disputed this charge with XXXX. 
subsequently, XXXX received payment from mortgage company and issued a new policy effective from the date of cancellation so there was no loss of coverage. but would not correct the billing of {$210.00}. I still dont understand how this is an extension of credit without a finance agreement or credit application. 
In XXXX of XXXX, I received a notice from CCS collections stating I owed XXXX XXXX XXXX {$210.00}. ON XXXX, I disputed this account by letter to CCS Collections, requesting validation. on XXXX CCS inaccurately reported this account to XXXX and XXXX, naming XXXX XXXX as Creditor. On XXXX I disputed this collections account with XXXX. 
Instead of deleting this account as being inaccurately reported, XXXX allowed CCS to Update the inaccurately reported account and changed the creditor to XXXX XXXX. Prior to this CCS Collections report I had a! 00 % payment history and XXXX credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion on numerous occasions via telephonic and written correspondence concerning this serious error in their reporting. Each request to have this unverified account investigated has been unavailing. The company has not provided me with any detailed information concerning their investigations nor their methods. Nor can it be ascertained if the company has undergone or conducted any investigation of any kind. They are and continue to be negligently and willfully noncompliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

identify you and your account. 
In accordance with the Federal 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 instruction.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED.

This account has been on auto pay since it was opened so it is impossible that this payment was late. I have NEVER been late for this account!

Your company may be liable under the FCRA, violating 15 USC 1681n and 15 USC 1681o for non-compliance.

Only accurate information is to be included on Consumer reports as the banking system itself depends on it. Please update this account to paid in full immediately. 

XXXX XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention my deep dissatisfaction with the repeated unsuccessful attempts to remove late closed accounts, bankruptcy records, and public records from my credit report. The persistent presence of these inaccuracies on my report is not only distressing but also damaging to my financial standing. I feel compelled to escalate this matter formally. 

I submitted a request to your institution to address the inaccuracies in my credit report, specifically related to late closed accounts, bankruptcy records, and public records. Despite multiple attempts and assurances from your customer service representatives that the necessary corrections would be made promptly, these inaccuracies persist on my credit report. 

The inclusion of late closed accounts, bankruptcy records, and public records on my credit report has a severe impact on my creditworthiness and financial reputation. As you are well aware, the accuracy of credit reports is crucial for individuals seeking financial stability and fair access to credit. 

I insist on an immediate and thorough investigation into the reasons for the persistent inaccuracies and the multiple failed attempts to rectify the situation. I request a detailed explanation of the steps being taken to expedite the removal of these items and prevent similar errors in the future. 

Furthermore, I demand a formal, written confirmation of the successful removal of the inaccuracies mentioned above withinthe exact time frame of receiving this letter. Failure to address this concern promptly will leave me with no choice but to escalate this matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the late close accounts, accounts included in bankruptcy and public record : XXXX XXXX XXXXXXXX Balance : {$1100.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 
XXXX XXXX XXXX Balance : {$2100.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
XXXX XXXX XXXX Balance : {$0.00} - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 
XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Vehicle loan or lease

I refinanced my loan from XXXX XXXX XXXX to Navy Federal Credit Union XX/XX/2022. XXXX wouldn't accept or lost the 10-day payoff paper check Navy Federal mailed to me to mail to them 2 separate times. Could not make contact with XXXX whether by phone or through the customer service messages on the app. Had to get Navy Federal to make contact and we did a three way phone call and we're able to get the 10-day payoff complete for the loan transfer. But since the payoff took longer then 10 days, XXXX said I still owed another {$500.00} in late interest payments. I had to pay this before they would send the title to Navy Federal. I paid this 3 months ago, and Navy Federal said they haven't received it still and had warned me that if they didn't receive the title they were going to raise my interest. I did everything I could, and now Navy Federal raised my interest from 7 % to 16.85 %. I have attempted to make contact with XXXX, but they do not answer, call back or reply to my messages. And I do not believe Navy Federal should raise my interest because they can not get the title.
Product: Credit reporting or other personal consumer reports

I found that my credit report has incorrect personal information, which I suspect might be a result of a clerical error or possible identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 
These lenders have accessed my credit file : XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/2021 XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2021 XXXX/XXXX  XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/2021 XXXX  XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX  XXXX XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/2021 XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/2021 XXXX XXXX XXXX/XXXX  Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX/XXXX  XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/2021 XXXX/XXXX XXXX Bank - Installment Loans Inquiry date : XX/XX/2021 XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2021 XXXX  XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/2021 Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I sent in my proof of insurance in XXXX of XXXX for my new insurer and the premium to be paid from my escrow account with Mr. Cooper. They did NOT pay the premium in time and the policy was canceled. I had to have the insurer re-underwrite the policy and it caused an increase of the premium. My agent and I both sent this new information in XXXX and Mr Cooper still did not update the records and in XXXX of XXXX force placed insurance, which the premium was over $ XXXX causing an increase in my mortgage payment of {$1500.00}. For the month of XXXX I worked daily to get this resolved and still as of XX/XX/XXXX Mr Cooper still has not updated my insurance information nor have to reduced my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

n 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

American Express addressed none of my concerns in my previous complaint. American Express has discriminated against XXXX XXXX and committed securities fraud. I plan to litigate. 

American Express claims that I did not achieve an appropriate score to receive a credit card. This is a violation of the Equal Credit Opportunity Act 12 CFR 1002.9 b 1 ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. 

American Express ' prospectus states " XXXX scores are based on independent, third-party information, the accuracy of which we can not verify '' A consumer 's credit report should not be used as a negative factor in evaluating a " creditworthiness '' 12 CFR 1002.4 ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 

We have performed a consumer credit transaction as I have provided AMERICAN EXPRESS with a Financial Asset in accordance with the Federal Reserve act and the code of Federal Regulations. Whether or not American Express has used my application to gain funds, The application provided to American Express is a financial asset. 

12 USC 1431 - Banks are the borrowers. American Express has borrowed my application, and is denying my business valuable consideration. Fraud
Product: Student loan

I started at The Art Insititute XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXand finished at The Art Institue of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX have fallen victim to predatory lending, and have been mislead by the school to take out private and federal loans.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00}
Product: Checking or savings account

Since XXXX of XXXX  Citibank closed my account for no reason and still refuses to tell me the reason. They held my remaining funds and I have still yet to receive them. Everytime I speak to someone over the phone they are clueless and tell me they will send request to see whats going on. It has been XXXX  MONTHS. One person told me I will need to go into a branch to fix this I drove XXXX XXXX to New York to go into a main branch guess what they told me? We cant do anything for closed accounts in person you need to call the customer service line. Another person said theres no money and that any checks I deposited havent been cashed. I spoke to the company that issued the check and put them on a XXXX way with Citi and they informed Citibank that the check has been cashed by them. Now they say we will mail you a check but its been half a year and they havent done a single thing. How do you know I dont need the money badly to pay my bills or credit cards?? Which I do. This is ridiculous and no one should have to go through all of this for THEIR money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NO. XXXX IN CARE OF RESURGENT CAPITAL SERVICES IS ATTEMPTING TO COLLECT FOR XXXX /XXXX A FRAUDULENT DEBT. 
They have placed this debt wrongfully on my XXXX  CREDIT REPORT. 
I NEVER ORDERED XXXX ANYTHING, NEVER HAD A CARD. 
I believe it is possible ID THEFT as I have had a problem with other accounts opened completely unknown to me.I had my car window smashed in about XX/XX/2015 and my purse with ID and credit cards were stolen.The XXXX XXXX police showed up and filed a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I mailed off certified letters to the following credit bureaus Experian, XXXX, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. The only address that is correct is XXXX XXXX XXXX XXXX FL XXXX. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX.
Product: Debt collection

My credit report shows a Line of Credit account & debt owed that I have no knowledge, nor was opened by me. This unauthorized use of my information & credit report affects my employment status. 

Account info Account name TALLY TECHNOLOGIES INC Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/2022 Status Open. {$4.00}, XXXX past due as of XX/XX/2022. 
Status updated XX/XX/2022 XXXX {$10000.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$4100.00}
Product: Credit reporting or other personal consumer reports

I was looking at my credit report at Experian and noticed that my name is not reported on account # XXXXXXXX XXXX XXXX I also noticed this account does not have a original or highest balance displayed, nor does this account display any payment history from XX/XX/XXXX to XX/XX/XXXX these matters are questions for concern with the CFPB and a violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open these two accounts. I have been XXXX  from XXXX until XXXX XXXX, XXXX and need to get these two XXXX  accounts removed from my credit report. I have been released to the halfway house under the COVID cares Act as of XX/XX/XXXX, until XXXX and want this completed prior to being released. 

I have sent proof of FTC Theft report, XXXX  and release information and want this deleted from my credit report as I did not open these accounts. Please remove this incorrect information from my credit report. Thank you
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 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
Product: Credit reporting or other personal consumer reports

Recently i looked a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Items i am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently made a payment thru PayPal, TO BE CHARGED TO MY DEBIT CARD ONLY. I did not wish to open a PayPal account. I had executed this transaction in the past with no problem. 
Unlike the past, I was not able to process the card transaction without receiving a message that a PayPal account was created. As I needed to process the payment I continued. 
The following day I checked the account that was created on PayPal WITHOUT MY PERMISSION or abetting. In addition, my debit card transaction, which already had been posted to my bank checking account, was listed on my PayPal account. 
There is no reason that an unrelated credit card transaction belongs on my PayPal account. I don't think there is any correct reason it should have been posted there except as a possible to levy a finance/interest charge against the card holder. 
PAYPAL HAD NOTHING TO DO WITH THE PROCESSING, APPROVING OR PAYING THIS CHARGE. THE RECORD OF THIS CHARGE SHOULD NOT BE ON MY PAYPAL ACCOUNT.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  is a closed account resolved account on my credit report however negative information is still being reported. Such as late payment history when the account is closed and resolved. XXXX said they would remove all negative item off my consumer report over the phone before I settle this account. After paying XXXX they did not removed negative items continued to report missed payments but displayed balance XXXX.