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

Subject formal complaint Regarding Late Payment Reporting, of account number : XXXX for my credit mortgage of the company XXXX Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX for my credit mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Name de company : XXXX XXXX XXXX  XXXX : XXXX Date of reported late payment : XX/XX/2024 I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not investigate disputes. They complete their " investigation '' within 24 hours. There is no number to talk with a representative. Their credit report includes NUMEROUS wrong names, wrong addresses for me, and in return false and inaccurate data. I have contacted them in regard to a dispute on my XXXX XXXX account which has been closed for many years. They do not fully investigate. They complete their investigations and does NOTHING to correct any mistakes or inaccuracies on my credit report..
Product: Credit reporting

I have disputed an account Experian is reporting and they still have it listed which should NOT be so I took it upon myself and got a notice from the company here it is because they can not do their job. I want this REMOVED!
Product: Mortgage

The CARES Act makes it illegal for a lender to make negative credit reports about a borrower for accepting mortgage assistance during COVID-19.I accepted the three months ' forbearance that Chase offered ... and the option of putting those three payments at the end of the loan as a balloon payment. I was told by one of the mortgage escalation supervisors ... XXXX XXXX ... that accepting mortgage assistance would result in Chase making negative reports to credit bureaus about me ... and also meant that I could not remove the escrow account from my loan. The negative reports are a direct violation of the CARES Act ... and since accepting the COVID-19 assistance can not be a negative ... by law ... it is also illegal for them not to let me remove the escrow account. I am a XXXX  ... and have read numerous articles that banks are making negative comments to credit agencies if a borrower even inquires about COVID-19 assistance. This must be stopped ... credit ratings must be restored ... and Chase must be punished. I have no supporting documents ... these were all discussions over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX Original Creditor : XXXX XXXX XXXX  Amount Listed on Credit Report : {$630.00} On XX/XX/2021 at XXXX I received a call back from XXXX ( after requesting this via an automated system by initially calling XXXX ) and spoke to XXXX who advised that the total due is XXXX $ XXXX and that this was processed via the In-House Collection Agency. I was given Ticket number : XXXX regarding my call and inquiry. She advised I call XX/XX/2021 when the BA DEAPARTMENT is open. Account Number : XXXX Amount Listed on Credit Report : {$630.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, MA XXXX ***alternate name address associated with company : DNF ASSOCIATES LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. This is not my acknowledgment of its liability but there is a discrepancy in the amounts being reported as I was told {$490.00} on the phone, I see {$630.00} via XXXX, XXXX and XXXX  and none of these amounts are familiar to me.
Product: Checking or savings account

I am a customer of Chase Bank, and I have a problem disputing a transaction. 

On XX/XX/XXXX, I noticed that my debit card was charged {$42.00}. Looking at the transaction history, it appeared that someone used my debit card in XXXX because a foreign exchange fee was also applied. 

I immediately called Chase Bank and informed them about the transaction. I also mentioned that I have not lost my card and I have never been to XXXX, so I requested the transaction be reversed. Chase Bank opened an investigation, and after a few days, I received a letter from them stating that the transaction was authorized and they didn't see any issues with it. After that, I called them multiple times and also visited the branch, but no one was able to assist me in reversing the transaction and just told me to call different phone numbers. 

I need help getting the fraudulent transaction reversed, and Chase Bank is not attempting to resolve my issue. 


I attached a copy of my credit card history that shows that I have made multiple purchases in the XXXX using my credit card at the time when fraudulent transaction happened which proofs that i haven't been in XXXX when the fraudulent transaction occurred. 

I also attached a fraudulent transaction statement and a response that I got from Chase Bank regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I XXXX XXXX checked my consumer report I noticed a fraudulent account and inquiry reporting to my consumer report. I reached out to Experian to advise them about the fraudulent account and to no avail I did not receive a solution. I presume to notify the Federal Trade Commission by completing an Identity Theft Report. Please view the uploaded document. Experian has clearly violated my consumer rights. Experian needs written instructions by I, the consumer to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition EXPERIAN has committed identity theft. This is a violation of 15 US Code 1681b ( a ) ( 2 ) and information associated with XXXX XXXX MUST BE REMOVED. I am aware pursuant to 15 USC 1681c-2a, if I, the consumer, provides a consumer reporting agency such as EXPERIAN with appropriate proof of identity, a copy of an identity theft report and a statement I, the consumer stating the information in connection with XXXX XXXX IS NOT RELATING TO ANY TRANSACTION BY MYSELF, EXPERIAN IS REQUIRED TO PLACE A BLOCK ON MY CONSUMER REPORT ON THE INFORMATION ASSOCIATED WITH XXXX XXXX. THIS INFORMATION WOULD NOT BE BLOCKED IN ERROR, IF YOU FEEL THERE IS MISREPRESENTATION OR THERE WAS ANY POSSESSION OF GOODS, SERVICES, OR MONEY OBTAINED PLEASE SEND ME A STATMENT SIGNED UNDER THE PENALTY OF PERJURY WITH EVIDENCE OF THIS COUNTERCLAIM.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  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 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, credit repair services, or other personal consumer reports

TransUnion violated my right to privacy pursuant to Title 15 USC 1681 ( a ) ( 4 ) -Accuracy and XXXX XXXX XXXX XXXX XXXX which is a violation of the ( FCRA ). pursuant to Title 15 USC 1681b ( a ) ( 1 ) -Permissible purposes of consumer reports, TransUnion have not got an order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, to furnish account ( XXXX DEPARTMENT OF EDUCATION XXXX to my consumer report. I as a consumer never VERIFIED nor gave prior permission to TransUnion to furnish the account ( XXXX DEPARTMENT OF EDUCATION ). I as a consumer is enforcing my RIGHTS and demanding that TransUnion Delete/Remove ( ALL ) accounts ( XXXX DEPARTMENT OF EDUCATION XXXX XXXX my consumer report or I'll file suit pursuant to Title XXXX XXXX XXXX XXXX for willful noncompliance and XXXX XXXX XXXX, for XXXX noncompliance Respectfully, TransUnion will be liable XXXX me {$1000.00} each violation for violating Federal Law ( FCRA ) XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kikoff Lending LLC is reporting a fraud account on my credit. I didnt open this account nor did I authorize anyone to do so on my behalf. I learned of this account when my credit rating dropped as there was a late payment. I reached outto Kikoff lending via email requesting the removal and closure of this account. This account is not mine. Please see the attached FTC report and my Driver license
Product: Credit card

My mother passed away on XX/XX/2017. I 've called Chase card services twice to see how to proceed and they state they can not discuss anything with me. I 've called on XX/XX/2017 and now XX/XX/2017. I 'm at a loss as to how to proceed to handle anything as the card company will not provide any information as to how to proceed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of accounts that were fraudulently opened in my name as a result of a data breach. I am a victim of identity theft, and these accounts are not authorized by me. Under the provisions of the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am entitled to have these fraudulent accounts permanently removed from my credit report.

The fraudulent accounts are as follows : XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX. XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, XXXX : {$2600.00} XXXXXXXX XXXX XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX : $ XXXX Opened : XX/XX/XXXX XXXXBalance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXBalance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX : {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) -Balance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) -Balance : $ XXXX Opened : XX/XX/XXXX XXXX
Product: Mortgage

This is an ongoing complaint with Specialized Loan XXXX XXXX ( XXXX ). I filed my original complaint XXXX because I could not close on the sale of my previous on time because SLS refused to submit the pay-off timely. Then when we had a resolve SLS did not follow through on their commitment to making the refund timely. So I filed another complaint XXXX. 

I received my refund and took SLS at their word ; on XXXX XX/XX/XXXX " Your account no longer has a payment due. The current principal balance of the loan is {$0.00}. There are no funds held in escrow. There are no funds held in suspense. '' SLS further stated in their response on XXXX XX/XX/XXXX, " We have sent a manual update to show that the account has been paid in full... Your account no longer has a payment due. The current principal balance of the loan is {$0.00} ... the account is paid in full. '' Yet XXXX has reported to the credit bureau that as of XXXX I am 60 days delinquent in my mortgage payments. 

I have been denied for a mortgage twice since XX/XX/XXXX. In XXXX I applied for a mortgage loan from my past mortgage company and when denied had a long conversation with the representative. This is when she told me it would be difficult for me to get a new mortgage because SLS is reporting that I am delinquent even as of XXXX XX/XX/XXXX, that I was 30 days late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please keep in mind my closing date was originally XXXX XX/XX/XXXX. XXXX is reporting to the credit bureau that I am delinquent in making payments on a {$0.00} balance, paid in full, closed account.
Product: Mortgage

XX/XX/XXXX, I contacted XXXX XXXX  and XXXX XXXX to work on a mortgage loan, obtained pre-approval letter. XX/XX/XXXX, contract signed for new construction. I provided XXXX XXXX  with documents requested. Paid {$1500.00} to secure the construction contract. Home was scheduled to be finished, close date of XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX left XXXX XXXX, my file was not worked. Then I was asked to pay {$590.00} appraisal fee and other out of pocket expenses. XX/XX/XXXX, XXXX XXXX  unofficially closed my file. XX/XX/XXXX, contacted XXXX XXXX at Movement Mortgage for help. I was promised help, lied to about close date. When in actually no submission was made to XXXX  XXXX  nor XXXX  on my behalf. My family was rendered XXXX  because of the false expectations set my XXXX XXXX. I had to live in a hotel. My apartment lease was expired and not available for renewal as I had already submitted a vacate notice expecting to be in my new home. XX/XX/XXXX, construction contract was terminated by the builder. It was then I found out that XXXX XXXX lied about my loan progress. I'm financially crippled by her incompetence
Product: Credit reporting or other personal consumer reports

Experian is reporting 120 days late on my credit report for XXXX XXXX and will not provide validation of the debt when requested. 

Account # XXXX showing 120 days late on a closed account
Product: Credit card

I have proof of my charges and willing to give you copies. It makes no sense to reverse the charges of my dispute with XXXX XXXX. I have called and left messages. I have not gotten any calls backs. 

I would also like to reverse a dispute and need your help, as I called twice and got no help Saturday AT ALL. I am disappointed in you guys. I thought you would not reverse charges and would be more helpful with disputes. I spend 20 mins with a customer service rep and was on hold and my phone died. I do not have a lot of time to call from XXXX. I need you guys to follow up with me.
Product: Consumer Loan

I have a loan with Chase Auto Loan for a XXXX XXXX XXXX. However, on Thursday, XXXX XXXX, XXXX. I was contacted by a Vendor of Chase Auto Loans at phone number XXXX on three occassions XXXX, XXXX, XXXX hours. which, I dismissed all calls because no messages were left on my phone. I felt that they were telemarketer calls. At XXXX I received a text message from my ex-husband ( after 11 years of divorce ) stating that he had received a call from a lady, named XXXX who claimed to be a skip tracer on the details of the repossession of my XXXX XXXX XXXX, she violated my privacy. She told him that he was XXXX of my references on the loan and that my son was a co-signer both statements were untrue. It digusts me that she would tell such blatant lies. 
He then got in touch with me and told me what he was told. My ex-husband is a XXXX XXXX and will assist in pursuing a resolution to Violation of Privacy matter. The vehicle is no longer in reposession status. 
I have serious reservations that anyone who chooses to can violate someones privacy without any concious for doing the wrong thing. I feel if this was done to me, it 's happening to many others who never file claims.
Product: Credit card

I 'm listed as an auth user on this account, I did n't request that. Would like to be removed
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, 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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 card

XXXX XXXX replaced my old oil tank and offered a free 1 year promotional deal that allowed it to be paid off in one year with no interest. This was opened with Synchrony effective XXXX for the amount of {$5400.00}. Upon receiving my first statement ending date XXXX I saw an additional charge of {$69.00} labeled activation fee. Upon calling and then chatting with them online, both communications said it can not be removed. I stated it was not ethical and possibly illegal and they will not budge. I as expecting to pay the full amount off in another week but concerned if I do not include the {$69.00} fee.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX and Early System serval times disputing the information that is displayed on their report regarding me. I have sent them an FTC report regarding this XXXX XXXX XXXXXXXX account that is reporting on my credit report. 

XXXX XXXX or Early Warning System have not acknowledged the Debt validation or verification letters that I have sent to them. 

I do not feel as if they have abided by the FCRA laws.

15 U.S.C. 605B : Under this provision, I am requesting that you block the reporting of any information that I believe resulted from identity theft. Attached is a copy of my identity theft report ( police report or FTC Identity Theft Affidavit ), which provides the necessary documentation. The disputed information must be blocked within four business days.

15 U.S.C. 1681e ( b ) : This section requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The inaccurate late payment or other erroneous information on my report does not meet this standard. I am requesting that you reinvestigate the accuracy of this information and ensure that my credit report is corrected accordingly.

15 U.S.C. 1681n : As this may represent a willful violation of the FCRA by allowing inaccurate information to remain on my report without proper verification or reasonable procedures, I am notifying you of potential legal consequences. If this matter is not resolved promptly, I reserve the right to pursue statutory damages of {$100.00} to {$1000.00} per violation, punitive damages, and recovery of attorneys fees and court costs.