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

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item 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 100 % true, accurate & correct. SPECIALIZED LOAN SERVI XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 I had my ex. opened account for line of credit at SANTANDER BANK NA. She got my information and added me as a co-applicant and i am not and i didn't approve it. She is not paying her loan and that's hurt my score. I contacted the bank to get me a proof that i signed for any application and they didn't respond.
Product: Mortgage

Here 's a rewritten version of your text : I closed on my first home on XX/XX/XXXX. Shortly after, during the summer of XXXX ( XXXX ), my loan was transferred to a new servicer. I received a bill for {$0.00}, which led me to believe I had made my first payment early. However, in XXXX, I received a letter from the VA stating I was in default. Confused, I called the loan company to inquire how I could be in default despite making my payments. They explained there was a new computer system in place and told me to disregard the letter, though they did acknowledge one missed payment. They then transferred me to another department where we made an arrangement. My first payment was set for XX/XX/XXXX, for {$3600.00}, followed by payments of approximately {$2500.00} until XXXX. Later, I checked to ensure my payment obligations were met and discovered another alarming balance of around {$5600.00}. After contacting customer service, I learned I had missed two payments, which canceled my original arrangement. They advised me to reach out to my bank. I contacted my bank, XXXX XXXX XXXX XXXX, and they provided me with PDFs of the transactions, along with a trace ID. When I called Mortgage Solutions Financial, they stated I only owed {$200.00}. I disagreed, explaining I had fulfilled my obligation through an auto-draft set up by their employee. They put me on hold, only to return with news that I owed the full amount for XXXX. I then contacted the VA, who advised me to request a payment audit and submit a complaint. They noted that the servicer was supposed to inform the VA about my payment status. As of our conversation on XX/XX/XXXX, they reported that my loan agreement had been fulfilled, contradicting the information I received from the servicer. 
I have also checked several times for a status and hadnt received update
Product: Debt collection

XXXX  or XXXX calling me harassing me threatening me to pay and I know the debt was sold to them and the creditor bread financial charge it off and sent this to my credit report without my permission
Product: Debt collection

Was contacted by synchrony credit in XXXX of XXXX claiming I owed a debt on a hearing appliance. I purchased the XXXX  XXXX and made payments for about 1.2 years ... during this time the XXXX XXXX failed repeatedly and was forced to return them for repair. On the last repair made the company failed to return them to me, I do n't have the appliance and have not received any credits for the failed devices, this debt is not owed as the contract is void for lack of merchandise and canceled..All was automated payments through the bank debit card and not through received statements. 
I never had a contract with Synchrony Bank and when i wrote to them asking for copy of the contract and proof i had received the XXXX XXXX. The XXXX XXXX had to be re molded three times and each time they did not fit, therefore i stopped, and never received the hearing aides. In the meantime this contract was sold to Synchrony Bank and they were not aware of the issue that hearing aides never correctly made and the contract canceled. Synchrony bank had written asking for copy of my bank information so as to charge me for XXXX XXXX i never received, and i refused to send to them because i had no contract with them, never purchased any hearing appliance with them. Then i found out i had bad rating and collection account when applying for loan. I sent them mails with return receipt, they did not respond the credit reporting agencies did not respond. Finally after several years, today i am told after filing another complaint on line with credit reporting agencies that they will not follow through because Synchrony Bank information is correct. I have never had information from Synchrony Bank, they have never answered my request for copy of contract or proof anything was ever sent to me, either through the credit reporting agencies or directly with Synchrony bank. Please advise if i need an attorney or you can help resolve this fairly
Product: Vehicle loan or lease

On July 29 I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX. The vehicle broke down the same hour I pulled of the lot and was diagnosed by XXXX XXXX the following day and was determined that the transmission needed to be replaced for XXXX! The warranty company came out and denied the claim saying that the dealership must have know about these pre existing transmission issues. The dealership has refused to give me my money back and has provided no assistance whatsoever!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account name XXXX XXXX and # 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 SEC
TION 2 : IT ALSO STATES a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Since Monday XX/XX/26 afternoon, my phone got compromised and my personal information was used to access USAA online banking. I reported to them all the fraudulent activities and unauthorized transfers. USAA did not take the cyber attack seriously and my account was still able to be accessed by the hacker. USAA even denied my claim, stating all the new accounts and unauthorized transfers were made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} ; XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00}
Product: Debt collection

It is my understanding that anyone or any company that voluntary buys debt of another removes any liability of the person owing a debt. Also, Ive never entered in any contract with LVNV FUNDING LLC. Please remove yourself from my credit report because I do not owe you anything
Product: Debt collection

My identity was stolen social security card and divers license were stolen in XXXX  and I have made police reports and ftc reports towards this mater. I also was told by the XXXX XXXX XXXX to send proof of this which I sent in by email and mail and the other credit bureaus sent them the same thing. XXXX still got disrespected by XXXX XXXX
Product: Bank account or service

The situation is about a company named Seventh Avenue. I did open an account with this company in XXXX. I received the the products which were window curtains. I did n't like them and I return them back to the company. I did not get any thing else for this company. This company later charged me a shipping charge which I do n't think I should pay nor should they have put this on my credit report. I have written a letter to this company that I dispute the account and wanted to be shown proof of the account. They never did response with proof. I had also written them a letter about paying the {$20.00} balance in exchange for them to delete the entry from all my credit reports, XXXX XXXX, XXXX, and XXXX. I have not heard nothing from yet. Anyway they have boken the fcra law because they never applied the statement the consumer disputed the account. I looked at my credit report on the XXXX/XXXX/2017 and the statement is not there. I want the entry deleted immediately.
Product: Debt collection

I received an updated copy of my credit report to find out that Diversified Consultants Inc. reported that I owe {$140.00} for XXXX when this account has already been proven that I do not owe it. I do not owe XXXX and the account was removed not once but three times by all credit bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This account was sold to two ( 2 ) different collection agencies and none of them had proven the debt. XXXX then resold the debt to Diversified Consultants who assumed the new right to collect. Diversified Consultants posted a collection to all three credit bureaus for a debt of {$140.00}. The posting states that this is an active collection opened XX/XX/XXXX. Prior to this account appearing on my report, I did not receive a 30-day notice of my right to dispute. By reporting this debt on my report without providing this notice, Diversified has violated my federal right, as protected under the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between, Experian, XXXX, XXXX Is a violation act of the FCRA Dispute reasons remove accounts because the reporting last payment and closed dates are inaccurate If they are getting the information from the same source why is different? 
The dates dont match Im reporting to e date last active because are inaccurate Plus Plus I never had receive any information from XXXX about this issues by mail Is my right to have it All this is wrong Plus nothing much in the dates last date active between any of the credit reporting agencies
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I have no knowledge of this account. It is reported on Equifax. Theres no account number and it just somehow show on my account this last month.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX My Coinbase account was suspended in XX/XX/. I filed my first inquiry on the suspension on XXXX XXXX XXXX  followed up by another inquiry on XX/XX/. Although the Coinbase response said I would hear back in six days, I heard nothing until my call to Coinbase yesterday ( XXXX ). 
In that call I was told my account was terminated and the decision was final. An extremely troubling result. 
Some background : My account had been suspended previously before this suspension and then restored after review on XXXX XXXX XXXX 
After that I had been using the account with no trouble for nearly three months, including a break of six days since the last successful transfer. Everything went off without a hitch before that and then I returned to my account to find it restricted again. So far as I can tell nothing unusual occurred after the last transfer and in the six days of inactivity after it. 
It is extremely offensive to loyal customers like me to be told my account was terminated after review with no explanation of why just some vague allusions to security. 
I am asking for a further escalation and review of my account with the request that it be reactivated if possible. So far as I can tell, I did nothing wrong during the three months of smooth transactions and transfers from my Coinbase account before it was restricted and placed under review. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- P. S. Here is an excerpt from Coinbase 's Terms of Service agreement. As you can see it is totally one-sided if not unconscionable. 

" Termination We may terminate your access to and use of the Services, at our sole discretion, at any time and without notice to you. You may cancel your Account at any time by following the account closure instructions in the App. Upon any termination, discontinuation or cancellation of Services or your Account, ( i ) all rights and/or licenses granted to you under these Terms shall immediately cease and terminate and you shall forthwith cease the use and/or access of the App, Site, Services and Content in any way whatsoever ; and ( ii ) notwithstanding the foregoing, the following provisions will survive : Feedback, Content and Content Rights, Content Ownership, Responsibility and Removal ( save for the subsection Rights in Content Granted by XXXX XXXX ), Termination , Warranty Disclaimers, Indemnity, Limitation of Liability, Dispute Resolution, Arbitration Agreement, Class Action Waiver, and Jury Trial Waiver, and General Terms. ''
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX Date of Birth : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX TRANSUNION FILE NUMBER : RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my XXXX credit report, is the result of that XXXX. 

Accounts : Account numbers : Date Opened : XXXX XXXX XX/XX/XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX, so I do not need TransUnion to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. Section XXXX ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX  or XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self-attestation to you Transunion. Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was sold from ocwen to phh one year ago at this time my mortgage was 1.5 months behind but I had a payment agreement. Due to graduating nurse practitioner school and a job transfer. The mortgage sold they were unable to locate it for 2 months. I paid 2 payments and it was applied to my escrow then called back to make third and was told they would only accept 3 months In full .. forced me to do a modification. Completed trial payments had to call ever week to get status now a year later they have my payments in holding my act reflects nothing paid my credit is shot and it takes four weeks calling every three days to be told they will put another task for someone to call me back. In turn no calls me calling numerous times to be told now they denied my forms cause they are not notarized. Confirmed my forms are In deed notarized they put in another task four more tasks later now they say my forms are not accepted cause notary used my middle initial. I just get run around and want to pay and fix this but cant insure my house is safe or where my money is going. Never mind get a straight answer from anyone on there staff after hours of hold times
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies and deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : 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

Failure to MOV, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), for the items listed below within the time set forth by law... 
American Honda Finan XXXX Open Date XX/XX/2019 XXXX
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX XXXX were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my XXXX  contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Mortgage

My mortgage servicer did not apply my payment in a timely manner and caused me to be delinquent per their records. My bank confirmed the draft check ( sent by my bank - see below ) was received by SLS on XXXX/XXXX/2016. SLS did not process the payment until XX/XX/XXXX - after the late fee cutoff. My scheduled payment of {$11000.00} was placed in suspense on XX/XX/XXXX and not applied. I was current on the account and have been for 10 years. My payment is still in suspense and I received a default notice today showing my un-applied funds and a late fee of {$560.00}. I called customer service and was passed to an executive queue, where SLS confirmed that their cashiering department put my payment into suspense and would open a research ticket!!!! I should call back in 2-3 days!!!! This is an issue that should have been resolved on the spot. I have been forced to send my payment via normal mail and am concerned that it will be processed in the same manner this month. This is poor customer service and appears to be a non-compliant process - not posting funds when a complete P & I payment is in hand. 

Note : SLS does n't accept borrower initiated ACH payments anymore - my banks, both XXXX XXXX XXXX and XXXX XXXX XXXX, both confirmed SLS will not accept electronic payments and instead the Banks have to cut a Draft Check for mailing to SLS. SLS offers ACH - only if you sign up for one account on a specific day so SLS can draft at their initiative. They offer XXXX XXXX for {$9.00} a payment after the XXXX of the month. These are not acceptable options in today 's world, not convenient for me and provides me no flexibility to pay ( 1 ) on any day prior to the end of the 15 day grace period from month to month, and ( 2 ) from any of my accounts from month to month. I was able to make my payments easily before XX/XX/XXXX - and now a business practice has caused a delinquency issue, all the while they had my funds
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Complaint against TransUnion for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ). 
I had previously contacted TransUnion on XXXX regarding a bankruptcy that is showing only on my TransUnion report. As per the FCRA, I requested a method of verification for their investigation of this matter. However, despite my repeated requests, TransUnion has failed to provide the method of verification. 
Furthermore, TransUnion stated that they contacted the creditor, who is reporting on my credit report. However, I received a letter from the creditor stating that they do not verify credit reporting information. This discrepancy is concerning and suggests a lack of due diligence on the part of TransUnion. 
This lack of transparency and failure to provide the requested information is, to my understanding, a violation of the FCRA. The FCRA clearly states that consumers have the right to know the information in their file and the right to dispute incomplete or inaccurate information. 
I kindly request the Consumer Financial Protection Bureau to look into this matter and take appropriate action. I am hopeful that your intervention will ensure that TransUnion complies with the FCRA and corrects their reporting practices. 
Please find attached copies of my correspondence with TransUnion and the creditor for your reference. 
Thank you for your attention to this matter.
Product: Debt collection

I noticed a negative reporting on my credit report. I did not notice it until now. It says that I owe Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX {$5200.00}. It says date of account status XX/XX/XXXX. The original billing agent says XXXX XXXX then its cut off on the report. It shows I did not pay as of XXXX of XXXX. I have never owed this amount to anyone and did not open any lines of credit for that amount to any company, let alone one called XXXX. It says its seriously past due but I have never recieved a call or notice. I only found out when I saw my bank stating my credit score so low when I have never missed a payment on any of my bills. Apparently this has been on there for m onths without me knowing and it is not my charge.