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

My account with TransUnionwas 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 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.

TransUnion 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

The predatory lender, XXXX XXXX, extend me credit without verifying my employment or my ability to repay this debt that is loaded with high interest and exorbitant fees. I have not worked or filed taxes in 5 years nor do I owe anything to levy, garnish or seize. They are now continuing their predatory assault against me by selling this debt to Portfolio Recovery Associates and having them report this negative information to the credit bureaus. Credit should have never been extended to me, yet it was.
Product: Credit reporting or other personal consumer reports

XXXX XXXX admitted to furnishing the credit bureaus with fraudulent information on my credit report but did not remove the inaccurate information from experian or eqifax credit reporting agencies which is causing a financial hardship and damages. They are fraudulently reporting information as a third-party vendor and not the US Bankruptcy court as stated on my credit report. 

It is quite clear that someone from ( Experian, XXXX, XXXX ) fraudulently verified this bankruptcy with the ( US Bankruptcy CourtXXXX ) or ( US BK CT-XXXX XXXX XXXX  ) as reported, it was verified through the third-party vendor XXXX XXXX XXXX XXXX which is not the ( US Bankruptcy CourtXXXX ) or ( US BK CT-XXXX XXXX XXXX  ) according to the enclosed letter from XXXX XXXX which is an inaccuracy. That is a violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Law which states : Under Consumer Law 15USC 1681e ( b ) that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Under USC 1681i ( 5 ) Treatment of Inaccurate or unverifiable information ( A ) In general 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 deleted that item of information from the file of the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not really sure about trans union credit scoring compared to the other 2 credit bureaus, they have the same things, same dates, same information, yet they are almost XXXX points different with XXXX, and XXXX on XXXX, there 's not difference on all three reports, same information, I called transunion and was told it 's a different scorning system. The problem is I have tryed to get financing and all the vendors use transunion, it 's affecting my livelihood, there should not be that much different in the scores, you ca n't have a A rating with one a B with another, and a F with transunion, they have to be some what close, I understand there might be some differences but not XXXX and XXXX ... they would not answer my questions, and told me it 's not there problem and nothing they would do about it, my score has dropped from a good score to a XXXX in the last few months with no reason..all they had to say my name had a XXXX on it and I told they I am not a XXXX, they would check and let me know by mail that 's was over 45 days ago, but no help on the difference on the credit score, I am going to talk to a lawyer about this my credit is very important to me as I am self employed ... HELP
Product: Debt collection

Received debt notification for debt I don't owe. Threat of interest, late and other charges as well as credit reporting. Address and phone contact info is incorrect. Creditor is XXXX  XXXX?????? 

This has to be just one more scam honest Americans are subjected to daily. Please help. Creditor No. XXXX, Collection Bureau of America. Internet search found this a disreputable company. 
XXXX XXXX XXXX XXXX
Product: Mortgage

Chase transferred my home mortgage to XXXX XXXX XXXX effective XXXX-XXXX-17. I made a payment, a checking account transfer which I did get a confirmation number from the phone agent. Well, I have not received a single piece of information from them, they wont even tell me my account number. Im in Chapter XXXX bankruptcy so the phone jockey said I have to get approval from my lawyer to give me account information. He has not heard from them either. I looked on the Consumer Affairs Complaints website and its filled with similar complaints and those complaints frighten me because they put good folks into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my report and saw that on XX/XX/2022, ONEMAIN, XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX had a hard inquiry on my account that I did not authorize, I reached out to them, and they said they would remove it and it's still there. I reached out to XXXX, and it's still on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the creditor, XXXX XXXX XXXX, stating that " I did not indicate in my correspondence what specific information I was disputing or requesting to verify ''. This request came from all 3 credit bureaus because I sent the same letter to all. As one can see from the bank response, they are unable to verify/validate the requested information. 

I initially disputed this information on or a/bout XX/XX/20. A subsequent method of verification letter went out on r about XX/XX/20. Today, XX/XX/20, i received a letter in the mail stating the aforementioned. According to my rights under : 1 ) FCRA 611 ( a ) ( 7 ) 2 ) FCRA 611 ( a ) ( 2 ) ( B ) The creditor nor the credit reporting bureau have responded in a timely fashion, or supplied the requested information. For that reason, I want this erroneous account removed permanently from credit report and an updated credit report sent to me from each bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent my FTC Report and my ID to Experian. I have fraudulent information reporting on my consumer report. Experian did not properly investigate my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are my multiple requests that I am submitting this CFPB Complaint to strongly dispute the fraudulent items on my credit file, and I demand their immediate and unequivocal removal from my credit report. As you are well aware, under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate, and their presence is causing significant harm to my creditworthiness. Let me be perfectly clear : I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me extreme frustration and financial hardship. I need the following items be removed on my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion on XX/XX/2018 Report Number # XXXX has on my XXXX XXXX XXXX  Statement # XXXX as {$30.00} Dollars paid when there was {$50.00} paid for the month every month for the past 4 months there has been wrong amounts by TransUnion to what I'm paying and I have uploaded proof by XXXX XXXX XXXX as to why the amounts by TransUnion differ as mu other credit cards are the same issues I'm not paying as the Scheduled Payment amount.
Product: Debt collection

Starting back in XXXX I have been receiving calls from Midland Credit looking for someone named XXXX XXXX. I do not know this person, nor do I know anything about the supposed debt they owe but I have asked twice now for Midland Credit to remove me from their contact list as I'm not the person they're looking for ( most recently I asked them to remove me today XX/XX/2020 ) and they are still calling me multiple times a week. Usually they call and when I answer they immediately hang up. I call back, most of the time I get a recording that states the number is not in service. The phone number I was able to call back that worked was XXXX.
Product: Credit card or prepaid card

During a HORRIBLE pandemic Capital One closed two of my longest opened accounts. The bank account that my automatic payment came out of for these accounts had fraudulent activity on it which caused my payment to bounce. I immediately made a payment with a new bank account to keep my account current. Even though the payment only bounced on one account they closed both accounts. I called capital customer service and explained to them that my bank account had fraud occurring and that I even had an open investigation to get my money back. The supervisor told me to submit the documents and my account would be back open. She provided me with FALSE information. As if COVID wasn't already ruining my life Capital One ruined my credit. When I talked back to the supervisor and asked why my account wasn't opened back up if I provided proof of fraud on my bank account she made me feel horrible as if the amount of money the scammers took from me wasn't a lot of money to cause this they took almost {$2000.00} from me. I feel highly discriminated against and I want to pay my debts and be treated fairly as a person without the extra comments when I explain that I need help. I would like both my accounts to be turned back on in good standing. They even denied me a new credit card, saying my history with them wasn't good. Both of my accounts were in good standing. I had NO late payments, I made extra payments and one card I even paid completely off. Being discriminated against puts me in a sad place. I am in the middle of a pandemic and funding was taken away from my family while in fact we had COVID even my new born baby.Someone stealing from me was not my fault so why am I still being punished
Product: Credit reporting or other personal consumer reports

I am submitting this follow up complaint because I still believe there are some errors on my credit file. I would like Credit bureaus to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. They should correct the following accounts completely from my credit file : DEPTEDXXXX XXXX Balance : {$6500.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

DEPTEDXXXXXXXX  XXXX Balance : {$1100.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

DEPTEDXXXX  XXXX Balance : {$2300.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

DEPTEDXXXX XXXX Balance : {$6200.00} - My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 
DEPTEDXXXXXXXX  XXXX Balance : {$2500.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 
DEPTEDXXXX XXXX Balance : {$2600.00} - Please take off the late things from this account because I think I made my payment on time. 

DEPTEDXXXX XXXX Balance : {$6300.00} - I need this account be corrected NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this remaining inquiry from my credit file. 
XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

this is true to the best of my knowledge also I am not using NO third party company. I've sent Lexis Nexis a letter on XX/XX/2022 stating to remove inaccurate information and I have yet to hear any responds. attached are my document ive sent them.
Product: Credit card or prepaid card

Bank of America continues to offer through the mail, Money Saving Checks which may be used for any purchases or transferring balances from higher interest rate credit cards. These checks, generally there are 2 or 3 in each mailing, offer promotional rates as low as 0 % for a limited time. 
There is a one time transaction fee for using any of the checks. This is explained in the literature. 
However what is not explained, and it took me several phone calls and visits to the local branch before anyone could explain why i was being charged a fee each month. Admittedly only {$1.00} but nevertheless I suspect that there are many who are unknowingly paying the fee because unless the balance for new transactions is paid each month the fee would be embedded and lost. 
The fee, so I found out after much trouble, is interest on any new transactions. New transactions, whilst there is an outstanding balance on the initial check transaction. do not have any grace period. Even if all payments are being made on time. 
This zero grace period is not explained. Nowhere. Even the BofA staff did not know.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations attached please fix the error fair debt violations fcra violation and hippa
Product: Debt collection

Cavalry SPV, llc and attorney XXXX XXXX XXXX delivered lawsuit paperwork to my building and left it at the front desk for all employees to read. It was not enclosed in an envelope or folder. All details were exposed to several people where I live. 
Paperwork left on XX/XX/2019 

Front page clearly showed a XXXX XXXX  woth my name. 

This is a violation of my privacy.
Product: Debt collection

I am distressed that the creditors have included incorrect information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus should report only 100 % accurate credit information.
Product: Credit reporting or other personal consumer reports

Transunion reported a bankruptcy upon consumer 's credit report without consent of consumer and should be removed immediately without delay.

The United States Bankruptcy Court does not report any information to the credit bureaus and responsible for verifying or validating information from consumer 's credit files.
Product: Credit reporting or other personal consumer reports

I previously challenged the erroneous and incomplete information on my credit report, yet [ EquifaxXXXX ] did not correct it, thereby violating the Fair Credit Reporting Act ( FCRA ). To support my challenge, I provided clear evidence, including : - Marked credit reports that highlight all discrepancies and inconsistencies.

- A formal dispute letter outlining the errors and specifying the necessary corrections.

- Copies of my government-issued ID, Social Security card , and proof of address to verify my identity. 

Despite submitting all the required documentation, the inaccuracies and omissions remain on my credit report. Under the FCRA, my report must be accurate and complete, and the failure to make these corrections constitutes a violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second message already and I still can not get rid of fake accounts in my profile. Why do I have them still if I filed Identity theft and proved that these accounts are not mine and that somebody just used my personal information? These fraud accounts are killing my report! What else do I need to do in order to make you remove them from my profile. Why Do I have to have this misleading information in my credit report for so long????? Please get my point and take appropriate actions ASAP
Product: Vehicle loan or lease

I financed a car back in XXXX with Credit Acceptance Corporation. I called and got a payoff amount and the physical address to send the check to because I had secured refinancing through my credit union. I obtained a payoff amount for {$6400.00} on XXXX XXXX, XXXX. My back mailed a check for {$6500.00} plus dollars on XX/XX/XXXX, which was right in the the 10 day payoff period. The checked was cashed on XX/XX/XXXX. I received a call from a young lady from Credit Acceptance Corporation in XXXX, MI who identified herself as an operations manager. She asked me was it a mistake that a check was sent for that amount. I replied no stating that was the payment amount and they the loan had been picked up by my credit union. She then told me that the payoff amount was incorrect and I owed {$4000.00} more dollars. I explained to her that I had the paperwork from Credit Acceptance with the payoff amount on it. I insisted on giving her my credit union 's number but she said that she could not speak with them and she could only speak to me, which sounded very strange. Can you please look into this matter because they seem to have some subpar business practices.
Product: Debt collection

I did n't have a cell phone with XXXX. I was XXXX during that time and could not have had a phone
Product: Credit reporting or other personal consumer reports

This is a formal notice to inform you that the address associated with my account is not mine and has been used without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ), under section 605B [ 15 U.S.C. 1681c-2 ], I am requesting the immediate removal of this incorrect information without further investigation. I am filing a report with the FTC for identity theft. Please confirm the removal of this erroneous information from my file. delete address XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX  Credit Report Period XX/XX/XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance XXXX Original Balance i sent transunion the total payoff due to the hurricane plus they have gap on all their cars now they put it back on my credit report violations of my fcra rights XXXX Limit 0 Monthly Payment 0 Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term 48 Loan Type Auto Lease Opened XX/XX/XXXX Reported XX/XX/XXXX