23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX Washington Docket # XXXX ( XXXX XXXX XXXX, XXXX  XXXX, XXXX, WA XXXX, ( XXXX ) XXXX ) .I disputed this account on XX/XX/2021 on XX/XX/2021 Transunion came back and said this account was verified as accurate? I called the court recently to ask if they have procedures in place to report to the credit reporting agency in regards to consumer accounts? I am a consumer this account was never verified by Transunion because they never spoke with with court so how did they verify this account? 

15 USC 1681 A-4 I have a right to privacy as a consumer In the event Transunion gave my my information to a third party and the third party furnished a consumer report on my behalf without permissible purpose that is a violation. I never gave Transunion written permission Under USC 1681 B-2 I am request that trunnion delete this public record on my file because it was never verified. I ask Transunion provide the contact number and they company they verified this account with. Please delete this account from my credit file.
Product: Credit reporting or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX Balance Owed : {$8500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I was discussing a HELOC with XXXX XXXX XXXX XXXX. As I was completing an application a representative emailed me to ask permission to pull my credit. I responded and stated that I was concerned that pulling my credit would result in a hit to the credit score, and so I only would authorize that if I knew that I would at least have the necessary  documentation available to complete an application. Specifically, I asked if paycheck stubs were needed, because I knew that I could not obtain them from my employer due to the COVID 19 situation. 

The representative checked, and confirmed that the application could be processed without those documents. The bank then directed its agent, Credco, to pull my credit. 

On XX/XX/XXXX, a loan processor asked for the paycheck stubs. When I forwarded my previous correspondence, they responded by saying that their representative had made a mistake. 

I contacted the credit bureau and disputed the credit pull, but they claimed that the report was accurate because it reflected an actual ( if unauthorized ) hard pull. They advised that if the pull was unauthorized, I needed to dispute it with the requestor. I contacted XXXX ( XXXX XXXX ) and asked that it direct Credco to reverse the hard credit pull, but they claimed that they had no influence over Credco. I contacted Credco to dispute the credit pull, but they did not respond.
Product: Debt collection

GLA Collection Co. Inc.

Subject : Dispute of Collection Account Reported by GLA Collection Co. Inc.

Issue : I am disputing a collection account reported by GLA Collection Co. Inc. for {$730.00}. I have no knowledge of this debt, and it appears on my credit report without my authorization or verification. 

Details : Collection Agency : GLA Collection Co. Inc.

Balance : {$730.00} XX/XX/year> Original Creditor : XXXX XXXX XXXX XXXXc - New I have not received proper validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). This account may have been added in error or could be a result of identity theft.

Impact : This inaccurate collection account is severely affecting my credit score and financial standing. I request an immediate investigation and resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Account # XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES I WAS LATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THESE LATE PAYMENTS XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE XXXX Account # XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE
Product: Credit reporting 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.

15 U.S.C. 1681, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any 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 ) ( XXXX ) states : 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 reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Date opened XX/XX/ Balance {$0.00} ; XXXX XXXX Date opened XX/XX/ Balance {$0.00} ; XXXX XXXX XXXXXXXX Date opened XX/XX/ Balance {$420.00} ; XXXX XXXXXXXX Date opened XX/XX/ Balance {$0.00} ;
Product: Vehicle loan or lease

I get a call from some guy for whatever reason... ( there was alot of noise on his end of the line ) ... ..I told the guy I paid all my bills on time and I ask why he was calling ... .he couldn't answer ... I gave the phone to my friend and ask her to see why he's calling ... .he kept talking over her and no one could get a word in so I hung up ... he XXXX around XXXXXXXX XXXX..this is not my first complaint about this company 's way of dealing with customers .... ( the first was when I first got the car ) ....
Product: Credit reporting

This is in addition to my initial investigation with Toyota Motor Credit that is still in process.. THIS IS A SECOND COMPLIANT.. MY FIRST COMPLAINT IS STILL IN PROGRESS..On XX/XX/2016 my account was reported 30 day late to the credit bureau. I contacted Toyota and spoke to a number of representatives in the call center and a manager who indicated my payment was made via the automated phone system prior to XX/XX/XXXX date of the following month. However, due to XXXX holiday and the company being closed, the payment was posted after the 30 day mark. I disputed this information indicating not only was my payment made within the correct time period but it was not 30 day late and there had to be a system error. I escalated this issue and was advised that the internal system indicates when the date posted ( not made ) and therefore the reporting was correct. I have never been marked as 30 day late and certain the payment was n't late. I was also advised by representatives in the phone center and also a manger who indicated the date the payment is made is the date that is used when reporting a payment. I continued to dispute the information with the Toyota and they continued to advised they had no error. Since that time my information has been reported to the credit bureau incorrectly and XXXX major credit bureaus ( XXXX and XXXX displayed the information differently ). Hence, there is a error within Toyota 's system. That occurence has been and should be documented on my account as that issue is has not been fully resolved. I 'm requesting the 30 day late reporting be removed, and someone take the time to due the leg work to investigate the issue. Just because your system is reflectingsomething is not a indicator that there is no error. To simply go into a person 's account and see what is reported is not looking into the issue. Check to see when the payment was actually made, when it was reported, why was it reported late, how was it made..etc ... Again, the issues with credit reporting continues to validate there is a error with Toyota 's internal system. The 30 day marker needs to be removed. My account number is XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - On this day, I sent the amount of XXXX USD using the WISE payment system. 
When filling out the details, an error was made in the company name, instead of XXXX, I specified XX/XX/XXXX, but all other details were specified correctly. 
The iaai company informed me that it rejected the transaction for this payment, respectively, the funds had to be returned to my account, which, by the way, was blocked on XXXX XXXX. 
WISE says that no funds were returned to them. 
That checking my account can take up to 60 days, but 4 months have passed, and we are not even one step closer to solving the problem. 
This payment system simply stopped responding to my messages.
Product: Mortgage

Trustee Claim XXXX in the amount of {$8300.00} Trustee Claim XXXX in the amount of {$8500.00} both 100 % paid what mortgage address were these applied?
Product: Credit reporting or other personal consumer reports

Upon conducting a thorough investigation into my credit report, I discovered numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately. This negligence has caused severe emotional distress. 

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report be reported with 100 % accuracy. However, your agency 's failure to uphold this standard is unacceptable. 

I demand immediate action to rectify these errors and expect full compliance with federal regulations. Failure to do so will result in further legal action.
Product: Credit reporting or other personal consumer reports

XXXX did not properly notify my of payments starting again, should have been sent in the mail. I found out threw my credit report. In XXXX I followed the process that XXXX ask me to do to become to bring my account to a current status or forbearance. My Account was in current status as of XX/XX/23. XXXX then reported to the agencies that I was past due again on XX/XX/23. XXXX stated that they could not change this, but this is clearly inaccurate reporting. And if this much is inaccurate then what else or they falsely reporting on consumers. And it appears that no XXXX is really doing a thorough investigation into this situation. I have documents from XXXX that states I owe nothing until XXXX but the continue to fill my credit with 90 days past due. XXXX past do in XX/XX/XXXX past due in XXXX that equals 180 days past due. But they reported me current in XXXX, XXXX and XXXX. Clarification is still needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

randomly ran my credit and found it had dropped almost 100pts which I could not figure out since it's been in the 800s for years. apparently, it is due to a late payment reported by SYNCB/JC Penney which was NOT actually late. In reviewing, I also saw they reported one inXX/XX/XXXX. I called and NEITHER were ever actually 30 days late. In fact, theXX/XX/XXXX one wasn't even 1 day late. 
I spoke with someone who had no case # or file # to reference but did say they submitted a correction to the credit bureaus. 

I have no way of knowing this and do not trust them at all at this point. in fact, I had cancelled my card last month because I can never get a statement from them and keep getting hit with late fees for payments I do not even realize are due. 

I'm a bit horrified that a store credit card can be reported to the bureaus with zero proof and cause a persons credit score to drop by this much. It hardly seems fair or honest. 

How do I find out if these are corrected? And how do I make sure they do not do something like this again to myself or others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account being reported as a collection account and also a charge off and reporting differently on all 3 bureaus
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN 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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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

XXXX, Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says XXXX, Equifax and XXXX is XXXX furnisher of information to a consumer reporting agency. 
XXXX, Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX
Product: Debt collection

NCAC is attempting to collect a debt I allegedly owe in the amount of XXXX for an Apartment complex I lived in XXXX to XXXX. Upon Move out I was told that I was to be emailed and mailed a copy of my move out statement - which I never received from XXXX XXXX. By the time I received any notification of any monies owed, the " debt '' had already been sold to a collection agency NCAC. I contacted the leasing office to get verification of debt and to find out how they came up with such a ridiculous amount even after keeping our apartment deposit and pet deposits. I was told that it was no longer their problem and to take it up with the collection agency. OnXX/XX/XXXX I sent a certified letter which NCAC recieved onXX/XX/XXXX asking for proof that I owed NCAC XXXX and to show proof of a signed contract that I owed NCAC any money. They failed to provide any such contract between me and them and instead sent me a copy of my lease with XXXX XXXX and a move out statement. On XX/XX/XXXX I sent another letter again asking for proof that I owed XXXX to the National Credit Audit Corporation and how they came up with that exact amount. They received the letter onXX/XX/XXXX and I once again received no such proof and was only sent a copy of the lease and a vague move out statement. On XX/XX/XXXX I requested new copies of my credit report from the Bureaus and NCAC also failed to mark my account as disputed within the appropriate timeline provided by law. 

As per the law not only were the unable to furnish any proof of how the debt had been calculated they were also unable to prove or furnish any signed contract I had with the NCAC making me liable for this alleged debt. 

They also violated the law by not marking my account as disputed within the allotted timeframe of 30 days.
Product: Checking or savings account

Chime Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Dear Chime Bank, I am writing to formally dispute several unauthorized transactions that have appeared on my Chime account that I have addressed with a previous dispute with you back on XX/XX/year>. Below are a list of the transactions in question along with relevant details such as transaction dates, amount, and any other pertinent information that I requested verification on which you have failed to provide to me within 10 business days from XX/XX/year>. 

XXXX XXXX : XXXX. Date : XX/XX/year> XXXX & XXXX Amount : {$1000.00} & {$1200.00} Description : XXXX  XXXX XXXX XXXX. Date : XX/XX/year> XXXX Amount : XXXX Description : XXXX I have previously reviewed my bank statements from XXXX XXXX thoroughly and have concluded that none of these transactions were authorized by me nor was I ever in possession of my debit card at these times or dates. Per the Electronic Funds Transfer Act ( EFTA ), I am entitled to a prompt investigation and resolution of this matter. I am requesting that CHIME BANK conduct a proper investigation into these unauthorized transactions and provide me with a full refund of the disputed amounts. Additionally, I expect reimbursement for any associated fees or charges or charges incurred as a result of these unauthorized transactions. I understand that under Regulation E of the Electronic Funds Transfer Act, CHIME BANK is required to provisionally credit my account within 10 business days of receiving my dispute, pending the outcome of the investigation. Failure to comply with these regulations may result in further action, including but not limited to filing a lawsuit. Please acknowledge receipt of this dispute letter within 5 business days and provide me with a timeline for the investigation process by mail only. I would like to be reached by mail only at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX IL XXXX to discuss this matter along with an update through the CFPB. Thank you for your prompt attention in regards to this concerning matter. I trust that CHIME BANK will resolve this dispute in a timely manner and in accordance with the applicable regulations.