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

XX/XX/XXXX Subject : Formal Complaint Against TransUnion Regarding Inaccurate Late Payment Reporting for XXXX XXXX  Account Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found 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  ( TransUnion XXXX Account Rating : Closed Account Description : Individual, Closed or paid account/XXXX  balance Dispute Status : Account not disputed Creditor Type : Auto Finance ( TransUnion ), Auto Financing ( XXXX and XXXX ) Account Status : Closed Payment Status : Current Creditor Remarks : Closed ( TransUnion and XXXX ), Closed or paid account/XXXX  balance ( XXXX ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$0.00} Two-Year Payment History Discrepancies TransUnion : Reports 30-day late payment for XX/XX/XXXX, which is inaccurate. 
XXXX : Reports 30-day late payment for XX/XX/XXXX, conflicting with other bureaus. 
XXXX : Reports 30-day late payment for XX/XX/XXXX, which does not align with payment records. 
Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report.

Written confirmation of the correction.

Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX  XXXX XXXX Account # 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: Debt collection

AFNI at XXXX XXXX  XXXX XXXX, IL XXXX has been sending me collection notices about {$200.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed to Equifax 2 times online, and 1 time in the mail to Equifax XXXX XXXX about the collection which is not mine, but they verified it belongs to me. I am still living with my family and they paid everything for me with their own account so I did not have any reason to open another XXXX account. I am still studying at university and have no job because I am a full-time XXXX, and I hope later I graduate in XXXX I will have a good job and buy my own house so this collection did stress me because it's not mine. No one helped me to remove it from my credit report when it's 100 %, not mine. I wasted my money to send a letter to Equifax XXXX XXXX XXXX they did not care and did not remove out. I want to have justice for my credit report. 

Original Creditor : XXXX XXXX ( XXXX ) Account : XXXX XXXX XXXX Date opened : XX/XX/XXXX. 
Balance : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is knowingly reporting false information to XXXX, which is damaging my credit rating. They have continued to falsely report it as an open, revolving account. They are misrepresenting themselves as a factoring company when I have never had any such agreement with them. They are not allowed to report it as a factoring account and list a past due balance as an installment loan since such account was not in good standing when they purchased it. 

This is a collection account which Portfolio Recovery Associates failed to validate under California Finance Code after numerous attempts. I have also disputed with the credit bureaus only to have them come back with verification of the " tradeline '' from Portfolio Recovery Associates yet never provided me with verification which violates the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXX XXXX  est a payment in the amount of {$1000.00} was made to XXXX XXXX and I was hit with a 30 day late payment on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I recently received an unsolicited US Bank reliacard prepaid debit card in the mail. I have not claimed government benefits nor did I sign up for one at work. There does not appear to be any way to contact the company directly to inquire how they received my information to open the account as I will not activate the card, therefore I have no account information to give their automated system. Nor do I trust the any of the information materials included with the unsolicited visa card.
Product: Consumer Loan

My account with BMWF is currently past due, payment is due for XXXX, XXXX and XXXX. The vehicle, a 2017 BMW M240i, is currently in storage at the dealership as it can not be registered until property tax is paid, which is around XXXX currently. This tax bill is due for a prior vehicle which was totaled on XX/XX/XXXX, a 2015 BMW M235i. BMWF is aware this vehicle is totaled and I have requested a settlement amount for payment due on that account but have not heard back. The last rep I spoke with named XXXX was advised of the situation in regard to XXXX vehicle and told me repossession would take place if account goes 60 days past due. Please note, prior reps were also advised of situation regarding vehicle in storage/registration/property tax due but may not have noted it. I am currently awaiting a settlement from attorney in regard to XXXX vehicle loss and injuries sustained from accident. I expect check this week, XX/XX/XXXX to the XXXX, but will need some leeway for the time being. Please request BMWF to allow me more time before any repossession occurs. I believe this is fair, considering I have not been in possession of vehicle, it is and has been at dealership since XX/XX/XXXX. I expect to have tax bill paid and towed this week as well, once settlement check is received and cashed..
Product: Credit card or prepaid card

I filed a chargeback for my XXXX credit card for a merchant that split my purchase into two charges and then did not deliver what I ordered. I contacted Barclays about the problem and began a dispute. They sent me a letter asking for more information and I sent them the information they requested. Less than a week later, giving no time for mailing, they said we havent heard back so we are closing your dispute. I again responsed with the information they requested and they have not continued the dispute, They have made it impossible to get my money back and screwed up the chargeback and now I want them to refund me.
Product: Mortgage

After turning in my loss mitigation application, Ocwen representatives provided me with inconsistent and inaccurate information about the status of the decision on my loss mitigation package. Before my loss mitigation application was denied, I spoke with an Ocwen representative who told me that they successfully received a purchase offer for my property - from my realtor - and had ordered an appraisal/XXXX in order to process a short sale on my property. My realtor confirmed that no such offer had been sent to Ocwen. Upon providing the Ocwen representative with this information via a conference call with my realtor, the Ocwen representative reversed their statement, agreeing with us that there was no offer and no appraisal had been ordered. Ocwen 's inaccurate information caused delays in my understanding of my loss mitigation options. Among many things, Regulation X, Section 1024.38 specifically requires servicers to maintain policies and procedures that are reasonably designed to ( 1 ) access and provide timely and accurate information and ( 2 ) properly evaluate loss mitigation applications. Ocwen demonstrated that they do not have policies or procedures to provide me with timely or accurate information about my loan during and after my loss mitigation application was denied, which leads me to believe they are in breach of Regulation X.
Product: Mortgage

Lender is forcing a {$4000.00} flood policy which is increasing my payment by over $ XXXX/mo. Problem is ; i already have a flood policy and they acknowledged it. they are still demanding this new, much higher payment.
Product: Credit reporting or other personal consumer reports

I've never been late on my accounts. Remove all late payment entries IMMEDIATELY!!!! 

XXXX XXXX XXXX Account : XXXX XXXX XXXX  XXXX Account:XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections.

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within XXXX days of receiving this request.

Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA.

I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process.

I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$570.00} XXXX/XXXX  XXXX {$4100.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX {$85000.00} XXXX/XXXX  XXXX {$800.00}
Product: Mortgage

I have two mortgages with Bank of America. I am on an extension & need to complete my XXXX income tax return. I need the amounts paid for insurance on each property for the year XXXX. The amounts are paid through the mortgages. 
I have called Bank Of America numerous times starting on XX/XX/XXXX. I have waited 90 minutes, 45 minutes & it is the same each time. Their is an automated system that sometimes comes on-not always-but in spite of trying to use that-it does not recognize what I am asking for. On the rare occasion I actually talked to a person at customer service they have informed me that they can not provide me the requested information, nor can they mail to me, or email to me.I have requested if they can not -are unwilling actually-to give me these amounts that they simply send me copies of escrow postings & payments for XXXX, which will show the amounts paid for insurance. They have not & will not do this either! 
I have also requested the information I so desperately need by writing to them at to different addresses they have on their paperwork for general inquiries & also another for property insurance inquiries. No reply received. 
The one time I spoke to someone at the number provided for property insurance inquiries she told me she could not even give me the amounts even just verbally, saying there was no way they could access them. She sent me to the general customer service number where I was told they did not have access to this information & transferred me back to the property insurance inquiries where they told me only general customer service inquiries could help me.

These are my mortgages-two of them-I went thru their identity  process each time. I provided my mortgage account numbers, address of the properties & everything else they asked for. 
Do I not have a right to this information when am the one paying these mortgages? The local branches all remain closed here. There is no way to be able to contact them. They do not answer the phone, and the doors are locked.

The only thing I can do is provide a letter to the IRS with my tax return stating Bank of America refuses to provide me with this needed information.

The way Bank of America treats a customer is a disgrace. They could not care less.This goes way beyond bad service. I want to know where else I can report their obstruction because it is so wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I filed police report stating identity theft had taken place. One of the fraudulent accounts was from the bureaus, a capital one credit card. It was removed and then all of a sudden it reappeared back on my credit report recently which is fraudulent and reporting in activate an absolute information. Their address is XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX. And it has a balance of {XXXX}. Please investigate contact this company and make sure that they never put it back on my credit report because it has resulted in a decrease in my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX
Product: Checking or savings account

Citizens Bank took my funds from my Checking account and my Business account and said they debited the accounts and put an overdraft fee on top of the funds they stole from my account Business # {$100000.00} and my checking # XXXX XXXX where did they send my funds to? 
Its Bad to Rob a Bank But Okay for A Bank to Rob customers? I Need answers their not providing any answers or Showing where they sent the funds to? Contact me XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX XXXXXXXX, DEPTEDXXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights XXXX 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 the information is inaccurate.
Product: Checking or savings account

Back in XX/XX/XXXX XXXX charged us around {$230.00} for some XXXX stuff that we dont even play, then we filed a dispute, the bank gave us back the money and apple gave us some of the money, but now the bank took XXXX without any notice or permission saying they taking back what XXXX  gave us, even though they saw my account really low they took the money without notice, now me and my family are without money and without plans
Product: Credit reporting or other personal consumer reports

On XX/XX/year> TransUnion Credit Agency accepted a fraudulent claim and posted private, personal and inaccurate protected health information regarding an unauthorized action by a 3rd party financial matter that was not signed by a judicial official & obtained from the State of NJ, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX. This credit information obtained by both TransUnion & the false judgement creditor was false, inaccurate starting from the true & correct name/identity to the correct date of birth according to the Banking Laws. It also is an attempt at removing vital constitutional and financial rights such as who is the true beneficiary, who is the trustee, false assignments of executors etc. At its foundation all information obtained by the 3rd party TransUnion Credit Agency and the public/private agencies in NJ was based on a false registry documentation of my name and date of birth. In addition to that name being copyrighted. This is piracy, slander of title, false identification and copyright infringement aginst me ang my copyright protected persons and vessels. This has injuried me and my family. These identification documents are all being used as presumtive death documents and I am not dead. These actions are damaging to my estate.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I filed complaint number XXXX XXXX with the CFPB regarding a collection account on my credit file. Per the response from XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, it is claimed that this account was originally opened with Cash Net on XX/XX/XXXX but placed with their office by XXXX XXXX XXXX XXXX. Hence, and first, I am hereby requesting a contractual agreement SIGNED by me on XX/XX/XXXX for any alleged loan from Cash Net. 
Secondly, I am requesting documentation indication how the funds were provided to me. 
Lastly, I want to be very clear that the claim by XXXX is fraudulent and it is outrage that I have to deal with such fraud and my credit score has to suffer.
Product: Credit card

i called and set up a payment and the representative keyed my bank cardaccount number in wrong and cause my payments to be late.