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

Inaccuracy/Violation # XXXX The date of last activity does not match across the credit bureaus. Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The date of last activity determines the date of delinquency which also determines how long a collections can be on your credit. A collection account can only be on your credit report for 7 years and if this number is inaccurate that time can not accurately be determined. This also affects how long a consumer can be sued by a debt collector. The statute of limitations in Texas is 4 years and this needs to be completely accurate.

Inaccuracy/Violation # 2- The open date does not match across the credit bureaus. Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. These dates must all match and be the same to adhere with the FCRA. 

Inaccuracy/Violation # 3- The " Report date '' is being updated every month this the current month and making the collection look new. My most recent credit report shows that Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Every month these dates are being updated to the most current which is against the FCRA. 

Inaccuracy/Violation # 4- The last payment dates do not match across the credit bureaus. Transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The last payment date is also important in determining the date of delinquency. 

Inaccuracy/Violation # 5- This account is reporting as past due amount of {$510.00} and collection accounts are not to be reporting a past du balance. This is also a violation. 

Other inaccuracies and violations include missing information. There is only one close date being reported which is with Transunion and that is on XX/XX/XXXX. The format is not matching any other date on the credit report and XXXX and XXXX is missing the close date. It is also reported that the term of this was 27 months, but the last payment date reported for Transunion, XXXX, and XXXX are all after 27 months. 

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reporting and attempt to collect on a debit I do not owe. 

Per Federal and State Lending Guidelines for consumer loans ( Auto, Personal, Real Estate ) in this case an Auto Loan. 

THIS IS NOT MY LOAN OR ACCOUNT AS ANY TYPE OF RESPONSABLE PARTY An auto loan shall have a endorsed and signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note for all consumer loans. The endorsee and signers by all parties would be the Borrowers, Co-Borrowers, and or Guarantors. 

In this case the auto loan with XXXX XXXX XXXX a request was made to them to provide actual proof that the reporting guarantor did actually make this loan by providing a copy of the signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note. Which they have fail to do. 

The only documentation they were able to provide was a Notice to Guarantor from XXXX XXXX XXXX XXXX and a check cashed and signed by another person identified as the borrower of the loan which happens to be a relative of mine.

To note the Notice to Guarantor from XXXX XXXX XXXX XXXX clearly states the notice is not the contract that makes you liable for the debit. It also further states that the sign promissory is the actually agreement and contact of liability of such a loan and debit. 

Theyre failure to provide any such proof and supporting require documentation clearly shows that XXXX XXXX XXXX am not liable for or agreed to this said such loan. 
That I never agreed to finalize and or accept any loan, nor did I sign or agree to any legal loan documentation such as promissory note, a Truth-In-Lending, Security Instrument as a Borrowers, Co-Borrowers, and or Guarantor which is required by law. Nor did I XXXX XXXX sign for, accept, and or cash any check or instrument in this supposed Auto Loan.

See attach documentation I was able to obtain which clearly supports my dispute. 

If the creditor disagrees with my dispute I demand them to present a signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note by me XXXX XXXX as a Borrower, Co-Borrower, and or Guarantor which is required by federal and state lending laws. Failure to do so again will support my claim that this loan being reported in not mine nor do I have any liability to such said loan. 

Under the Fair Credit Reporting Act, Consumer Protection Act, and other Federal and State Lending and Financial laws and guidelines they XXXX XXXX XXXX XXXX have fail to follow and adhere to.
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. 
XXXX XXXX account # XXXX, XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX, Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX 15 U.S.C 1681 SECTION 602 A. States i have the right to privacy 15 U.S.C 1681 SECTION 604 A. It also states a consumer reporting agency can not furnish a account without any written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section Sates. No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of Information, other then records of conviction of crimes which antedates the report by more then 7 years.

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

Transunion, XXXX, And XXXX all have police and identity theft reports and when an item disputed they refuse tobacco within 48hrs
Product: Credit reporting or other personal consumer reports

The items below are inaccurate and violate the Fair Credit Reporting Act 15 USC 1681e ( b ). Additionally under 15 USC 1681b ( a ) ( 2 ) you have shared my confidential information without my permission, breaching my privacy rights as per 15 USC 1681 a ( 4 ). 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: Debt collection

Suttell, Hammer & White is a credit buying agency that falsely obtain judgments. I was notified of a judgment that according to the court document was issued on a Saturday. Then there was a court date scheduled for XX/XX/2017 but their judgment states it was issued XX/XX/2017 ( Saturday ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XX/XX/2021 XXXX XXXX XXXX.
Product: Debt collection

From my XXXX XXXX profile I saw that I had an outstanding debt for a company by the name of Caine & Weiner in the amount of {$350.00}. I sent them a request for debt validation letter on XX/XX/2018, it was delivered via XXXX on XX/XX/2018. Caine & Weiner failed to respond to my request for information within 30 days therefore I assumed the  debt was not valid. I sent them a request to have the item removed from my credit on XX/XX/2018. Caine & Weiner instead sent me a bill with none of the information previously requested in my debt validation letter and they have not sent me anything stating that they will be removing this item from my credit. The debt collector did not comply with FDCPA 15 USC 1692g Sec. 809 ( b ).
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. USDOE/XXXX Account no : XXXXXXXX XXXX XXXX XXXX account no : XXXX, DP OF EDUC account XXXX : XXXX, US DEPT ED account no XXXX, XXXX XXXX account no : XXXX,
Product: Student loan

All of 2020, I was attempting to work with Sallie Mae regarding a payment plan to help my son and me during the pandemic. Sallie Mae 's systems messed up my payments three times. First, it had the wrong zip code as my credit card. Then, it was kicking my credit card out, and wasn't taking my payments. Finally, I just learned that one loan was setup for auto-debit but not the other one. I spoke to Sallie Mae on the phone to set up auto-debit. Had I not looked it wouldn't have been set up for the other account. This would have resulted in more negative marks on my credit just as last year!
Product: Money transfer, virtual currency, or money service

I have received several emails from XXXX XXXX. Those emails or attached to this complaint. I opened a XXXXXXXX XXXX total checking account in another state namely XXXX Illinois in XX/XX/XXXX. I closed the total checking account at a XXXXXXXX XXXX located on XXXX XXXX XXXX XXXX, XXXX, PA XXXX in XX/XX/XXXX. At the time of account closure, I received the remaining balance left in the account which was in access the amount in which XXXX claims they are still owed. Additionally, the account closure happened while there weren't any pending withdrawals. The account closure was performed with a positive balance and funds left in the account. The account closure happened in XXXX however the fees in which XXXX XXXX is claiming is owed occurred in XX/XX/XXXX. The account closure was after XXXX days of the transactions in which XXXX alleges is owed.
Product: Credit card or prepaid card

Regarding complaint numberXXXX. The company did not address the main issue : How can you lower the credit limit for all of the reasons you give and then, after the promotional period is over ; raise the credit limit back up again because on payment was made? The referenced complaint pointed out that you raised the credit limit in the past when the income was lower than it is when you decided to lower it. Your letter raising it says after making " payments '', I only made one payment. 

The credit limit was lowered after I initiated a transaction that would have qualified for the no fee " pay-it '' promotion. That is why the credit limit was lowered and that is why, once the promotion expired ; you raised it back up.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

The following INQUIRIES needs to be removed immediately : Creditor Name : XXXX XXXX, XXXX XXXX XXXX ALLY FINANCIAL, XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/2022 Reason : this inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of these inquiries via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically Cash App failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account unprotected and vulnerable. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with the requirements under the Electronic Fraud Transfer Act and Regulation E. These actions have caused significant financial loss and inconvenience. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXXXXXX # 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

Firstmark student loans attempted to contact me via multiple phone numbers ( which I thought were scam likely numbers ). Without communicating with me, the company reported a delinquent payment that significantly decreased my credit score. I am requesting a removal of the credit flag as I have entered a payment agreement with Firstmark due to losing my job amidst the Covid-19 pandemic. Also, since this is my first time dealing with a delinquent payment to Firstmark and due to substantial hardships the pandemic presented, I am requesting leniency with the confirmation that I will make future payments on time. Firstmark has only provided 4 months of emergency disaster forbearance and I still do not have a job. My other student loan lender ( XXXX ) has agreed to enter a similar payment agreement so I hope Firstmark can be accommodating given these circumstances.
Product: Mortgage

We filed bankruptcy in XXXX of XXXX. Penny Mac to control of the property and leased to tenants. Starting in fall of XXXX we started getting letters and were served to appear in court for foreclosure. We talked with our Bankruptcy lawyer and he said to ignore it because bankruptcy was finalized. We continue to get letters about the case and it being delayed multiple times and recently I have been receiving calls daily from Penny Mac to discuss " my loan. '' The first time they called I talked to the operator and she saw an account for XXXX XXXX XXXX in XXXX but it was closed and to ignore anymore calls but they are calling daily.
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX - Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in ( MONTHS REPORTING LATE ) 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: Debt collection

I have requested validation from XXXX XXXX they have failed on numerous occasions to provide this information. I have recently been informed that there is negative information reported by XXXX XXXX. Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$580.00}. This account was previously removed from my credit file. ( PLEASE SEE THE ATTACHED DOCUMENT ). 

I challenge the accuracy, compliance and reportability of this listing. XXXX XXXX has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted again from my credit file. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including  documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX