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

A bankruptcy was inaccurately reported on all 3 credit bureau reports, after disputing several times it was finally removed by one, both my XXXX and Equifax credit reports have continued to show the bankruptcy regardless of agreeing that the information was in fact reported incorrect for over XXXX, now XXXX years. Equifax momentarily removed it, only to add it again, requiring me to submit yet another dispute. Because bankruptcies are so hard to dispute with any bureau, they first repeatedly declined my disputes, regardless of the dates, court, and filing number being incorrect, relying solely on XXXXXXXX XXXX and not the factual information provided by the state of Indiana. I have worked so hard to rebuild my credit and these are fights that they refuse to legally partake in, resulting in 6 years of harmful credit damage.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX we filed a complaint against Veterans United Mortgage bank. The complaint was because in the month of XXXX of XXXX, our mortgage bill was close to XXXX XXXX dollars more than the actual monthly payment. We called the bank to find out why but no one in the call center could explain to us anything. In one of the many calls, we were told that the bank had paid something off and now they wanted the money back, but with no other explanation or break down of what they paid. On XX/XX/XXXX, my husband had a conversation with XXXX in the call center, and my husband questioned her about the escrow being so high, he told her that we had already received the property tax and we have the home insurance numbers. XXXX requested to have the documents faxed to her. The documents were faxed the same day and we waited for a call back. Because of the holydays we could not get any response or help, so in XXXX we began calling again and still no call back or no acknowledgement that the documents had been received. Meanwhile again we sent in our regular payment and again we disputed the difference because we are still waiting for an explanation for the fees. Unfortunately, we did not receive a response son on XX/XX/XXXX, we filed a complaint with you the CFPB, and on XX/XX/XXXX, we get a call from XXXX XXXX from the management team. We explain to her what was happening and she said she was going to do an investigation. We finally got the answer and a break down of what happened they apologized for the inconvenience however they reported us 3 times late on our mortgage. That reporting damaged our credit and that will not change till XXXX. We were the ones proactive on this matter, we made calls after calls and basically every single representative lacked the knowledge or the training to provide us the information needed to have this matter resolved on a timely manner. The bank has now sold our loan to another financial institution and they refuse to remove the information from our credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX and NATIONAL CREDIT SYSTEMS , INC, both companies are reporting a debt that doesn't belong to me, NATIONAL CREDIT SYSTEMS , INC sent over documentation showing a signature that isn't my signature just shows my name eletronically, I need real verification of debt showing that the debt belongs to me with my actual signature, my husband was incarcerated at the time of " lease agreement '' the signature doesn't match his signature nor does it match my signature, this account has been removed from my husbands credit report, I am giving XXXX and NATIONAL CREDIT SYSTEMS , INC 14 days to remove this from my credit report or I intent to file a suit. 

I need need to know what method was used to validate this debt from XXXX and NATIONAL CREDIT SYSTEMS , INC . 

I uploaded the application showing that both signatures on the applcation are the same, so whoever signed this lease it was signed by only one party and the other signature forged, which constitutes fraud
Product: Checking or savings account

XXXX charged the incorrect account for charges for XXXX XXXX he is not on my account nor authorized, XXXX has contested charges thru this merchant as they falsely misrepresented themselves and he disputed with this company that they took out these charges from the incorrect account as XXXX used to be on my account last year and was removed for my account because he is no longer a teenager. This company has been disputed by XXXX because they charged him for an XXXX package thru XXXX and then he was charged for a car and hotel fee at destination he already paid for these charges. Bank of america is aware that XXXX was not on my account when these charges were pulled from my account.
Product: Debt collection

XXXX  XXXX- XXXX XXXX  in Texas and a debt collection company called First Credit Services , Inc in ( XXXX XXXX XXXX XXXX XXXX ) XXXX , NJ has sent out collection notices threatening to submit my brother and my names to Credit report bureau for invalid bills that were created after we requested in person to cancel our memberships in XX/XX/2019. It is a fraudulent charge where the company denies acknowledgement of our canceling the membership in person.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BEAURAS DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

!. ) XXXX XXXX XXXX - FALSE LATE PAYMENTS ARE REPORTING : DATES : XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 REQUEST : PLEASE UPDATE TO PAID AS AGREED NEVER LATE. 

XXXX. XXXX XXXX XXXX XXXXXX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 PLEASE UPDATE TO PAID AS AGREED XXXX. ) XXXX XXXX XX/XX/2022, XX/XX/2022 ; XX/XX/2022 PLEASE UPDATE TO PAID AS AGREED NEVER LATE XXXX. ) XXXX XXXX THIS ACCONT IS PAID TO XXXX AND CLOSED. 
XX/XX/2022 ; XX/XX/2022 ; XXXX XXXX ; XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 PLEASE UPDATE TO PAID AS AGREED NEVER LATE. 

XXXX. ) XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT DUE TO FRAUD. 

XXXX. ) XXXX THIS ACCOUNT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT DUE TO FRAUD. 

XXXX. ) XXXX THIS ACCOUNT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT DUE TO FRAUD. 

UNAUTHRORIZED INQURIES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting act XXXX  Account XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I received a call on XX/XX/2020 from XXXX XXXX on behalf of Sunrise Credit Services Inc. She was requesting that I pay Sunrise Credit Services Inc {$130.00} attempting to collect a debt on behalf of XXXX XXXX. I currently have services with XXXX XXXX. I'm not even sure of how she got my old address. I corrected her with my mailing address and I also requested Sunrise Credit Services address and she gave me the PO Box . Afterwards I informed her that Sunrise Credit Services does not have my permission to contact me on my private line and I never agreed to do business with them. She informed me that XXXX had forwarded my information to her. I asked her if she understood what I said she said yes then I asked her to have a nice day. 
I called XXXX immediately to understand the confusion and I was informed that there were no issues in my account and they had no idea why a debt collector was calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$820.00} XXXX : XXXX -- -> : {$550.00} XXXX : XXXX -- -> : {$460.00}
Product: Debt collection

Received first call/Vm on XX/XX/XXXX from unidentified women stating that the voicemail qualified that I had been served notice on a unpaid debt and left a case number ( XXXX ) Returned the call and was asked if I would be home the next morning so they could serve me. I said no, as I was in NY for work. She gave me a phone number to call ( XXXX ) Called and spoke with a XXXX XXXX. XXXX said he was with a law group called https XXXX XXXX  and informed me that they were trying to collect an unpaid debt from XXXX with a lender called First Merrit Bank/Huntington Financial . He said they had been sending letters to my address and because I never responded, that meant I intended to dispute in court. I have never received any such letters and I confirmed with him that he had the correct address on the phone. The balance he was trying to secure was {$2100.00}. He said if I would settle that day as it was the last day of the month it would prevent them from filing a law suit against me, costing {$3800.00}. I told him that Ive never borrowed from that financial institution and asked for a contact number to call and talk with someone there. He said you can google for it. He did not provide me a phone number or any specifics as to what I had supposedly purchased or borrowed that amount for. I said I need to call them and call him back. I called the Huntington, formerly First Merritt and was on the phone for 28 minutes while they searched their records for my SSN going back to XXXX. They have no records of me, my SSN or any outstanding debts. 

I called XXXX XXXX back to let him know. He said, it must have slipped through the cracks and the bottom line is that they have my information and need to collect the debt immediately to prevent a law suit in court. He still would not share any specific details other than First Merrit bank. He emailed me a form for electronic signature and to make the payment with credit card. 

I did not click on any of those links. I called the social security office to let them know that my SSN had been compromised. They said to immediately put a freeze on my credit reports with all 3 major reporting bureaus and I did. The representatives at the credit reporting bureaus also did not see that I had any unpaid debts going back to XXXX and confirmed that this was a fraudulent collection effort. They also said to file a report here. 

XXXX XXXX called again today ( XX/XX/XXXX ) asking if I had made the decision to pay now or go to court. I let him know that I felt strongly he was a scammer. He then switched up his story from being with a law group, to a company that buys debt to collect. He was actually very polished and convincing. I can see how he would be able to successfully steal from people. I told him that he needs to overnight me a formal detailed hard copy of the supposed debt. He said he would priority mail something. 

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

Subject : Second Request for XXXX XXXX XXXX XXXX XXXX with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated [ XX/XX/XXXX ], in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my mortgage account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. To date, I have not received confirmation of the correction nor observed any changes in my credit report. And also the lack of response to a letter that was sent to creditor the account, which was not answered. 


In my credit report I can see that in : [ XXXX / XXXX ] [ XXXX/ XXXX ] it reflects that I had late payments of ( XXXX ) days which is not true, in the same way I refer to the month of [ XXXX ] in no way I had a late payment of ( XXXX ) days. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.

I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ 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, credit repair services, or other personal consumer reports

The credit bureaus are reporting two credit cards on my account. I did not give these company 's my social security number or permission to use and share my information. They have violated my rights as per 15 U.S. code 1681 ( a ).
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report this morning, I was stunned to find accounts that dont belong to me. Ive been diligent in checking my report regularly, and suddenly these discrepancies appeared. I even refreshed the page, hoping it was a technical issue, but the accounts stayed there, and I felt a wave of disappointment. I am pleading for my documents to be properly examined, so I never have to worry about these problems again.
Product: Vehicle loan or lease

My title company sent check 1 on XX/XX/XXXX when I signed on my house on XX/XX/XXXX. Part of my agreement was that I had to pay off my car with the money I made from my house. When I called XX/XX/XXXX to check the status because I was reported past due. I was told on the phone that they had issues with mail. 
My title company stopped payment on check 1 and reissued and sent check 2.this was notated on my account. I received a paid in full letter XXXX. Check 2 was reported to have been Cashed XX/XX/XXXX. I went to check on my Gap check and was told it would be 60 days. I went to check on it XX/XX/XXXX and my account was passed due. I contacted them they told me that my check was returned and that it had accrued fees. I have attempted since to talk to some one and have been told that I need to talk to my bank. I discussed this with the title company. Ally told me that if I could send proof of the check then it could be fixed. I sent them this information. I had to contact them again. They said that they didnt have enough information and they rejected the check. That this was returned and I had received more fees. I was told numerous times that I was wrong then I was told that it was just not applied to my account and to give them 1-2 business days to fix it. I contacted them again today and they started the whole thing over again saying that I was late. I needed to pay. That the check was returned. I needed to talk to the bank. I was then told I would receive a call in the next two days while they are processing my case. I have been give concern case numbers and told to call if this is not resolved. When I call I am told it from the beginning. I have to have the same fight each time I contact them. I also need to receive my lien on my car and receive my title.
Product: Debt collection

XXXX XXXX {$780.00}. 
To Whom It May Concern : I am disputing this account because you are reporting inaccurate information on my credit file, Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practice that I do not have any contractual agreement with you to collect this amount, and you should delete this account on my file. Compliance with this request is required under the federal law, and FCRA 609.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX 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 XXXX  days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXXI filed a dispute with XXXX XXXX XXXX on some information I saw on my consumer report. On XX/XX/XXXX, I received a letter stating the information was verified and nothing would be changed. I called in because my request to them stated that I had no knowledge of these accounts and they need to send me whatever documents that they verified their reporting with. Instead they sent letters basically saying it's been verified without the proof that's required according to the FCRA.

XX/XX/XXXX I called in and got a rep named XXXX  who told me that they have no right to see any documentation from the banks, " they just report it! '' He went on to tell me I should instead call the banks. I told him that I did have plans of contact the banks on the report, but as a CRA XXXX XXXX XXXX  was supposed to not only see signed documents prior to reporting this false data, but they were also supposed to be able to provide in the event of a dispute.I realized that he didn't really understand the severity of what he was admitting on that recorded phone call so I asked for a supervisor. He told me that a supervisor was not available at the moment and I told him I could hold. He said I could hold and ended the call.XX/XX/XXXX I called back in to EWS got a rep named XXXX. When I asked her for a supervisor she offered to help me in attempts to deescalate the call. She was more crafty than XXXX with her wording, but offered the same option to contact the bank directly because " they have no business seeing things between me and the bank ... they only report it. '' It seems that's all they train their reps to say.

So hear I am to file a complaint in hopes of getting these accounts that were started without my knowledge off of my XXXX XXXX XXXX  consumer report. It is unfair and unlawful to report inaccurate information that has such great impact on consumers. I am asking that you not only intervene to make XXXX XXXX XXXX  investigate the accounts they report and obtain verifiable proof, but to also make them aware of what federal laws apply to them as a Consumer Reporting Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  have been reporting these fraudulent accounts under my name XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX CHILD SUPP is fraudulent on my credit Account # XXXX XXXX XXXX CHILD SUPP is fraudulent on my credit Account # XXXX XXXX XXXX, XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.
Product: Student loan

My XXXX file ( log showing my loan payments with XXXX ) shows my loans under forbearance  from XXXX to XXXX, however I was not in forbearance  during this period ( XXXX  of loan payments made during this entire period except during COVID forbearance ) and have certified employment during this entire period. 

As per the XXXX waiver, a file marked in forbearance for XXXX  months or more ( even though I was not in forbearance ) as per XXXX rules, would qualify for XXXX. 

I do not see XXXX  payments counted during the XXXX time frame at all. COVID time counts from XXXX should all count regardless, but I should have XXXX qualifying XXXX  counted from XXXX to XXXX under XXXX waiver rules. 

Even without the XXXX waiver, I have receipts of qualifying payments from XXXX, a time period where my loans were held by XXXX. None of these payments are even showing up on XXXX as qualifying payments. I have electronic copies of these receipts for this period of time if needed. 

I have contacted MOHELA both online and via phone about this issue without resolution.