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

Dear Transunion : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly?

1. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
XXXXXXXX XXXX XXXX Account Number : XXXX As a consumer I have a right to privacy. By law this account must be deleted immediately.

3. 15 U.S. Code 1650 Preveninting unfair and deceptive private educational lending practices elimination conflicts of interest XXXX XXXX Account Number : XXXX If can not be supported with documentation, this account must be removed from my credit profile. 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Found multiple inaccuracies on my credit report. 


XXXX XXXX XXXX Account XXXX XXXX XXXX Date- XX/XX/2020 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 reported to be removed.

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 21 days before the payment due date. 

XXXX XXXX XXXX XXXX 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 21 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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I was alarmed to find an unauthorized inquiry on my credit report today, and I have no explanation for its presence. I regularly check my credit report, and this unexpected issue has left me feeling both frustrated and concerned. I even tried refreshing my browser to rule out a system glitch, but the unauthorized inquiry persisted. This situation is unacceptable, and I need it fixed right away. I urge you to carefully examine the documents I provided so I can finally have peace of mind.
Product: Credit card

Continental Finance is charging me a {$5.00} fee per month on a closed account, i.e. of the {$35.00} I pay per month, {$5.00} is some kind of account maintenance fee, unrelated to interest charges. I do n't know if this is legal. I live in Iowa. 
Payments are always made on time. 
A statement is attached, showing the charge. They only have the past XXXX statements available online ; I estimate that there are XXXX or XXXX such payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I XXXX XXXX XXXX, I am submitting this complaint myself no third party involved. 
I have tried to contact Transunion LLC to have them remove the unauthorized inquires on my consumer report with no assistance from the company see the attached documents.
Product: Consumer Loan

I voluntarily surrendered my vehicle to XXXX XXXX aka Toyota Finance on or before XXXX 2014. Toyota Finance since then, have been purposely re aging or updating my account monthly destroying my credit score. I disputed this with the credit bureaus on several occasions and Toyota still continues to be the professionals that they are and hold a grudge against me in retaliation for returning a vehicle that I could n't afford. I use different credit monitoring sites and have been watching my scoring activity over the last XXXX months. Well I saw that Toyota Finance reported the account as ok some months and then come back and report my account as being derogatory. They even updated my account as being a joint account. Unless there are XXXX of me, no one else signed any documents besides the scamming sales rep that sold me this vehicle. They ( Toyota finance ) are knowingly doing this to me and probably many other consumers to purposely destroy their customers who are and were going through a bad point of their life. I also learned that there was a deficiency letter that I was suppose to receive after reading forums that I did n't receive I actually had to call in and get this information on my own from Toyota Finance.
Product: Credit reporting

I faxed a letter to Equifax asking for this creditor " XXXX '' to be validated and removed off my credit report which I faxed on XX/XX/2017. I then called the next ( XX/XX/2017 ) business day to make sure it was recv 'd via fax and I spoke with off shore representatvie who told this was removed ( I asked her more than twice she said hold on researched and said " ma'am this is no longer on your credit report '' ) from my report so I assumed it was from my dispute I sent. I then asked her again she yes it is not on the report so my call ended at that point I assumed it quick due to being faxed. I then called back because I did n't feel confident about what she told me and got another off shore rep who told me it was not then I got aggravated so I asked for a supervisor. Next I explained to the supervisor what information I was given she then apologized but I told her that is not fair to me due to asking her more than once is that was correct. Then the supervisor wrote this up and I advised her that this creditor I sent them a letter and enclosed a copy of drivers license & social security card ( which I sent in error it should have just been the letter ) in error and XXXX on my part. I am upset about being given the wrong information.
Product: Credit reporting or other personal consumer reports

Requested verification from Equifax, XXXX and XXXX. But I have yet to receive verification of the accounts.
Product: Credit reporting

Supporting documentation that my express account should be reporting in accounts that are satisfactory. Right now it is reporting as potentially negative. This letter is from my XXXX credit card account supporting documentation that the XXXX credit beaurous need to change the status to positive instead of accounts that are negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017, {$33000.00}, XXXX XXXX sold the debt to XXXX. Giving my personal information away.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally submit a complaint regarding the actions of the three major credit bureaus ( Equifax, Experian, and TransUnion ) in relation to inaccurate late payment reporting on my credit report from XXXX Student Loans, XXXX  XXXX, and XXXX XXXX. I believe that these actions constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under the following provisions : 1. 15 U.S.C. 1681 Section 602 - This section affirms my right to privacy concerning my credit information.

2. 15 U.S.C. 1681 Section 604 ( 2 ) - This section specifies that a consumer reporting agency can not furnish my account information without my written instructions.

3. 15 U.S.C. 1666b - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late payment for any purpose.

The late payment reported on my credit report is associated with accounts that have been closed for over four years. I have not received any notification from the creditor stating that I was late on payments, specifically the required 21-day notice prior to marking the account late. Therefore, I believe this late payment entry is erroneous and constitutes a billing error.

As a consumer, I am entitled by law to demand proof from the creditor that substantiates the claim of a late payment. I ask for hard evidence showing that I did not make the required payments, which I believe will demonstrate that the late payment marking is unfounded.

Given the violations I have outlined, I request that the late payment entries on my credit report be deleted immediately. If this matter is not resolved satisfactorily, I will consider pursuing monetary compensation for the violation of my rights under 15 U.S.C. 1681n in small claims court in my city and state.

I have already filed complaints with the State Attorney General 's Office, the Better Business Bureau, and the Federal Trade Commission regarding this issue. I expect prompt attention to this matter and a resolution in accordance with the law. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I have found fraudulent accounts XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And Hurd inquiries XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Mortgage

Wells Fargo made an Overpayment of {$9000.00} to XXXX  XXXX XXXX XXXX XXXX ( XXXX ) against my direction to only pay XXXX  XXXX Half Initial Tax Bill of {$1600.00} until my DC DOB Vacant Property Tax Appeal was decided. Thereafter, Wells Fargo has conducted the following : ( XXXX ) Mismanagement of ( My ) Wells Fargo Account # XXXX by Not Applying the Timely {$1500.00} Monthly Mortgage Payments to the Principle Balance. Instead, Wells Fargo has been Placing these Funds for the Last ( XXXX ) to ( XXXX ) -Months in a Suspended Account, Resulting In Excessive Fees & Late Charges. 

( XXXX ) Mailing Monthly Mortgage Payment Statements with Total Monthly Amount Due {$9900.00} ( XXXX ) Providing False Information ( Lying ) to the VA Loan Guaranty Service that VA Loan # XXXX " Is Behind On VA Home Loan Payments '', while Receiving my Timely {$1500.00} Monthly Mortgage Payments and Not Applying them to the Principle Balance. Instead, Placing these Funds for the Last ( XXXX ) to ( XXXX ) -Months in a Suspended Account, while charging Account # XXXX Excessive Fees & Late Charges.
Product: Checking or savings account

Somebody closed my checking account at citi bank without my authorization and also at XXXX they closed my account without my authorization.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issue such as failing to forward consumers- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. these failures align with my experience, where Experian has neither corrected nor removed disputes items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian inaction violates federal law and my rights as a consumer
Product: Credit reporting

I have a XXXX bank charge that is not mine on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XX/XX/2016
Product: Credit reporting or other personal consumer reports

I have XXXX negative items that are negatively reporting on my consumer credit report that and is in violation of the FCRA codes 15USC 1692e & 15USC 1692g. These are the dates I sent certified letters of cease and desist/ estoppel notices without proper verifying documents with my signatures with said company that is falsely reporting on my consumer report : XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I sent letters to each bureau XXXX, Experian, and XXXX. They only report " verified by furnisher '' but never provide proof of me legally doing business with collection company or provide me with a binding contract with my signatures. I have never done business with any of he companies reported as " Collections '' nor do I have any contractual agreement with them. Per each tracking number, I do have them as delivered and received. I also tried to delete an address off of my experian account and they refused. Experian is in violations of compliance procedures, defamation of character, willfully non-compliant, and punitive damages towards and this has caused major personal suffering. Once again, I asked Experian to SEND me a copy of the signed contract between me and the furnisher ( s ) to prove the debt belongs to Me and they sent a response that the creditors verified the information as accurate! I need SOLID proof or it needs to be removed immediately.
Product: Mortgage

I have a mortgage loan with LoanCare A Service Link Company on XX/XX/2020, I was granted a forbearance on my loan until XX/XX/2020, due the COVID-19 effects on my employment. The forbearance was approved and I received an approval letter. 
On XX/XX/2020, I started receiving automated calls from LoanCare, asking me to contact their toll free number reference my mortgage loan. I called the number to only have an automated system, that cuts me off and does not allow me to speak with a live person. On the one occasion I was able to reach someone he said my account was with collection department and he would transferred me to that department upon the transfer, I was again put back in the loop of the automatic system. I have emailed them, sent a letter and sent a message through my loan account, however no response just a automated telephone call every day. I do not want this company to start a process of foreclosure, because they are not communicating with each other. I am filing this complaint, because maybe someone can look into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXEquifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Due to the statue of frauds i want these accounts removed from my credit report ad it is hurting me from getting credit. I do not recognize these accounts ALSO I WANT THESE COMPANIES TO STOP FURNISHINGS MY INFORMATION AS IT VIOLATE THE PRIVACY ACT AND SSA ACT/ as a SSN number is not used to REPORT " PAYMENTS '' 18 U.S. Code 892 also 2-201. Formal Requirements ; Statute of Frauds
Product: Debt collection

I informed them that debt was already paid to the original company. They have yet to removed me from their records. Trying to continue to received payment for something i do not owe them is a fraudulent account on their part, and its is older than XXXX last year. Want them removed from my credit. please. I have contacted them several times.
Product: Debt collection

This collection appeared on my credit report. I never received a collection letter and they have failed to respond to my requests for Validation of this account since XXXX of 2015.
Product: Student loan

I attended XXXX  XXXX ( XXXX XXXX, CA ) school in XX/XX/XXXX. I was offered an opportunity to attend by a family member who told me I was eligible for an 80 % discount in tuition as a family member, since he worked for the school. I was enrolled from XX/XX/XXXX XX/XX/XXXX. I was asked once or twice to return to finance to re-sign my contracts. I was never given written documentation of the cost of my responsibilities, and was always assured my discounts were applied to my loans. When I applied originally, I was told the XXXX program cost approx. $ XXXX and with my discount, my cost would be somewhere around {$4000.00}. I never received documentation and could never get clear answers, but my Father-in-law always expressed the school knew what they were doing, and I was getting a 2-yr degree for 80 % off the normal price. 

6 months after I graduated with honors, I began getting requests from then, SallyMae to begin repayment of my loans. I was shocked to see the price of my loans. Although not the $ XXXX I was told a regular student received, My first loan was taken out appeared ok, but 3 additional loans were taken out for 3x the price of the first loan, and I didnt understand how the price tripled after the first loan was processed. I contacted the school and was constantly given a run around. I was told the issue would be reviewed, and would never receive follow-ups. I called dozens of times, and it nothing was ever done. I filed a Defense to Repayment, and was told by a number of collections person, constantly I would have to file for forbearance to stop the phone calls. After literally thousands of collection calls, and after the loan agency was renamed Navient, I finally stopped receiving the calls. I found out years later the reason the calls stopped was because my DTR document was processed and my loans were placed on administrative forbearance. 
I have since had to file for bankruptcy and can not get past the XXXX scam I have been a part of, like so many other people conned into thinking the education and degree we received was worth any amount of money. I just want the loans and the late reporting removed from my credit already. I can not get anyone related to XXXX to resolve this, and I am trapped. Please review and remove these fraudulent claims from my credit report.
Product: Checking or savings account

SALLIE MAE BANK closed my money market account unilaterally, which they are permitted by contract and I have no problem with that. SALLIE is unethical, breaks the law and has terrible customer service so I wanted the account closed anyway. The complaint is SALLIE transmitted the balance via ACH EFT to another account despite specific written instructions [ attached message dated XXXX at XXXX ] NOT to do so but to instead mail me a check for which I offered to pay. Thus SALLIE made an illegal transaction, deliberately and willfully violating written customer instructions. In doing so, SALLIE violated the law 12 CFR Part 1005 ( Regulation E ) ELECTRONICS FUNDS TRANSFER ACT. Please take action against SALLIE for violating law and fine them. This NOT a duplicate of a separate complaint I made earlier CFPB XXXX which was for an incorrectly coded transfer by SALLIE to XXXX XXXX  and is entirely different from this issue so do NOT close this new complaint as a DUPLICATE though the earlier complaint led to my {$98000.00} being lost and SALLIE did nothing to help or resolve the situation
Product: Credit card

everytime i go make a purchase example i bought new tires had call 3 times then next day refused let me use card accused me of loaning card to someone else 2 days ago i had to call 17 times just to get purchases done i use card only for personal use nobody else even has access but everytime i try use im blocked or have call but now they refuse to even talk to me say im not who i am it appears they removed my phone numbers this has got to stop on forcing me call everytime right now it says i have XXXX in available credit i have always made my payments my credit limit is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit report I found several errors on my personal information. 

These name variations are incorrect : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have several addresses on my credit report that I have never lived at and I need to make sure no one is applying for anything in my name. I have never lived at these addresses but some may be family members addresses : Please REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX These telephone numbers are not accurate, please delete : ( 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

I just checked again my TransUnion and XXXX credit reports and I can see account reporting inaccurately. Please see attached file below
Product: Credit reporting or other personal consumer reports

This is my 2nd written notice trying to resolve this issue before further action. I attached a document with all details. I have not received any legal proof that these accounts are verified accurate.