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

To whom it may concern, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after date of the receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the following account ( s ) listed IMMEDIATELY! 


Account name : XXXX Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX XXXX opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX ) Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account number : XXXX Account name : XXXX Date opened : XX/XX/XXXX Account number XXXX XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account number : XXXX
Product: Credit card or prepaid card

This is the second time I have an issue with PayPal not following up on a fraudulent vendor. This one is new and just starting to scam people so PayPal will have hundreds of claims in the next few weeks. There is a website XXXX that is advertising exceptional pricing in their catalog of items. I was not aware of it until after my transaction that came after i XXXX the XXXX XXXX I was trying to purchase at a savings of nearly 40 %. I placed an item on hold in the cart as I was researching and comparing models. I received a reminder from XXXX reminding me the special offer was about to expire so I opened the link to pay and this took me directly to PayPal. At this time, you think you are paying this company but it actually processes the payment as a transfer, only you do not see this until after you complete the transaction. Then you see that the money went to a XXXX XXXX and an email of XXXX Then, Paypal responds the transaction is not covered by their Purchase Protection and you are basically " XXXX  '' ... PLEASE HELP!!!
Product: Money transfer, virtual currency, or money service

Paypal is using my XXXX  to buy and sell XXXX. I have an account under XXXX. They also added a debit card on there that isnt mine. XXXX supposedly closed my account but its still being used. They made a direct deposit paper saying I worked at The XXXX XXXX XXXX and my whole check is to be deposited there. XXXX XXXX  has an account open under my information and they didnt close it. Most online banking has an account open with my information but different mailing address
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigate of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumers Financial Protection Bureau ( CFPB ) as recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to inadequately notify consumers of dispute outcomes. These failures aligned with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as experian in action violates federal law in my rights as a consumer.
Product: Credit card

I applied for an Amazon credit card about 5 months ago and Chase approved that XXXX, but denied my application for a Chase Slate credit card saying I applied for too many credit cards within the last 24 months. So I tried to get a Slate card within this new year of 2016 and the denied me again and now my credit score will have a big ding on it and I have good credit. ( or did ). I would think this new year would be not involved in the past 24 months and I feel it is very unfair for Chase to include my new application in it! Does the fact you have good credit not mean anything to Chase Bank!!?? As long as your credit is good and you have been paying ALL your bills on time, it should n't matter how many cards you apply for. NOW my credit score will go down for NOTHING!!
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, It remains unresolved. I request immediate investigation and removal of this item. As it is incorrect and does not reflect my true credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SS XXXX DOB XXXX XXXX I have several unknown addresses and inaccurate fileinformation thatneeds to be updated properly. My current and only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Please delete all other unknown addressesthey are not correct. Te following addresses are not mines : 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 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 Please remove the extra name from mycredit report. According to 12 CFRPart1022 ( Regulation V ) requires furnishers to : Furnish information concerningaccounts or other relationships with a consumer thathas integrity. Furnishinformation about accounts or other relationships with aconsumer that is accurate. C- Conduct reasonable investigations of consumerdisputes According to XXXX, inorder to make a lawful report, you must follow theMetro 2 compliance standards. 
Please delete the following account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My card was used to book travel that wasn't authorized on XX/XX/2024 and after speaking to XXXX XXXX and XXXX, they still haven't refunded my money. I didn't authorize a booking and I am requesting that I get reimbursed fully for the {$640.00}. How am I responsible for an unauthorized charge. It's is so unfortunate that after explaining that I never authorized a transaction that I wasn't able to get my funds back after speaking to my card company. I will be speaking to my attorney if I don't receive my full reimbursement for this unauthorized transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA information reported as fraudulent should be BLOCK from the  consumer credit file. 

Please provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Mortgage

Between XXXX and XXXX, I suffered a series of hardships. I was laid off XXXX times due to downsizing, then in XXXX, I was diagnosed with a XXXX XXXX. I had surgery and it took over a year to recover and be able to go back into the workforce. 
Commencing in XXXX, I entered into the process of loan modification negotiations with XXXX XXXX XXXX. Shortly after the process began, XXXX XXXX XXXX informed me that they had switched to Nationstar as their servicer and I was forced to submit all the paperwork over again. I then went for monthly modification negotiation meetings at Court and made the timely payments required. This process continued up until XXXX XXXX, when XXXX XXXX XXXX withdrew their foreclosure action. 
The next day, I received XXXX Certified letters from Nationstar saying that I was delinquent in my payments and that Nationstar was starting foreclosure actions against me. Impossible! 
My nightmare had only just begun. 
I noticed that I was not getting any other physical mail from Nationstar. Nationstar never sent me or my attorney any statements or other documentation confirming the payments I had been making. Also, my attorney was and is supposed to be copied on all correspondence from Nationstar and Nationstar has not done so. I had to go on-line to their website to get my statements and information. 
Upon viewing my account information on line, I found XXXX more letters ( which neither I nor my attorney ever received in the mail ) saying that my payments were only partial andNationstar was keeping my account in " suspense '' pending full payment. What does this mean? Now, Nationstar claims that I owe them about {$8000.00} more due to fees and interest. 
Nationstar escrowed my taxes AFTER we agreed on a loan modification, making my monthly payment {$500.00} more per month! This was not a part of the terms of my loan modification! 
I am a homeowner who wants to pay my mortgage, but even as an honest hard working individual, it is impossible to keep up with the alleged " fees '' that Nationstar keeps adding on without cause. None of these " fees '' were reflected in my loan modification, nor was any of this discussed in the loan modification negotiations with the representative from XXXX XXXX XXXX at the pre-foreclosure meetings in Court. 
I can not refinance because Nationstar consistently keeps reporting me late even though my mortgage loan has been modified and I have been making timely payments. Nationstar has also threatened to put this on my credit report, thereby making it impossible for me to ever get out of this twisted situation and ensuring that I have no future. 
It took me 10 years to save up enough money to put a down payment on my home. For the past twelve ( 12 ) years, I have been paying for my home and maintaining my home and Nationstar wants to take my home away from me even though I have complied and cooperated completely! 
I am a hard working professional and I will not walk away from my home! I have done NOTHING to deserve this and I intend to bring these unlawful practices by Nationstar to an end!
Product: Checking or savings account

XXXX deposit of {$4000.00} was made to USAA on XXXX XX/XX/2019. Check cleared sender 's account, XXXX XXXX XXXX  on XXXX XX/XX/2019. USAA, despite risk elimination of funds is withholding {$3500.00} on the USAA account. These funds were intended to be emergency funds for a critical situation which has become exacerbated due to USAA having funds on hold. Since risk of the deposit has been eliminated, there is no valid reason why USAA should keep the funds from being accessible. I've spoken to several account specialist and am told an array of arbitrary reasons why they can not release the funds. The explanation for hold on funds is nothing short of red-herring and ad-hominem fallacies masquerading as excuses to " protect my interest, '' when in fact it has caused my situation to become worse. However, the fact remains, it is my own money, risk is non-existent and I demand to have access to my own money.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion for my XXXX XXXX  account. These late payments do not accurately reflect my payment history. 

Summary of Errors and Discrepancies : Inaccurate Late Payments : All XXXX  bureaus report late payments ( XXXX, XXXX, and XXXX  days ), which are incorrect since payments were consistently made on time through autopay. 
Contradictory Account Status : Although the account is marked as " Current '' and " Paid, '' the payment history reflects late payments, which conflicts with its actual status. 
Inconsistent Reporting Dates : Each bureau lists different reporting and activity dates, leading to discrepancies in the record of account status. 
Credit Limit Discrepancy : The reported credit limit is {$0.00} across all bureaus, which may not accurately reflect the original credit line. 
These errors misrepresent the accounts history and potentially violate the Fair Credit Reporting Act ( FCRA ). I request that TransUnion correct these discrepancies to ensure accurate reporting. 

Nature of the Complaint : Inaccurate Reporting : The reported late payments are erroneous. I have consistently made timely payments, as all my accounts, including this one, are enrolled in autopay. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : Reporting of false late payments may also violate the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate credit information reporting. 
Additionally, the FCRA ( 15 U.S. Code 1681i and 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 in consumer files. Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, allowing for damages if agencies fail to comply. 
Requested Resolution : I request that TransUnion conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that all entries reflect my actual payment history of XXXX  % on-time payments. Please provide written documentation of the corrections within XXXX  days of this complaint. Failure to resolve this issue may lead to further action to protect my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed credit report & found several discrepancies. PHH mortgage services, DBA XXXX  XXXX  c/o PHH in North Carolina XXXX Formaly known as Ocwen until XX/XX/XXXX as they had been Banned from DB in NC and multiple other State throughout USA for the same practices that their affiliates seem to use the same template. XXXX Ocwen transferred to another Co PHH, I paid the last payment in XXXX for XX/XX/XXXX. XXXX, never recorded to new debt collector. Company continue to report negative incorrect payments on credit reports,. Disputes with retaliation from Company. Fact Disputed 30 day late fir XX/XX/XXXX, hHave had NO late payments. This resulted in removing the XX/XX/XXXX & marking XX/XX/XXXX as late! This payment for XXXX was posted on XX/XX/XXXX. I can not dispute online anymore and Im fed up with constantly spending time on this and all the fraud this company and all their affiliate bullies continue to practice. I would like for this to be resolved. Thank you XXXX
Product: Credit reporting

incorrect use of the 30 day grace period when applying for credit for a auto loan by Equifax & XXXX to many hard hit 's on credit report in less than 30 day 's. 
once in XX/XX/XXXX & again in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Transunion Is in violation of multiple 1970 FCRA Laws : here are the following laws that are being violated : 15 USC 1681 2 ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report.

Definition of consumer Report : ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Aren't you a cooperation? This is against the law for Transunion to report late payments on my consumer report. Please remove this information.

15 USC Section 1681i ( 5 ) states ; ( 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 delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681 ) a ) 4 states ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681b ( a ) states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 



XXXX has never received my written consent to furnish this information! 



Here are the accounts in XXXX XXXX is violating : XXXX XXXX XXXX Account Number XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX/ XXXX XXXX Account Number:XXXX XXXX XXXX XXXX Account Number:XXXX  XXXX XXXX Account Number:XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number:XXXX
Product: Credit reporting or other personal consumer reports

THIS IS NOT AN ATTEMPT TO VERIFY ACCOUNTS ON MY CREDIT REPORT. 

The following accounts are charge offs. A charge off is considered a certificate of indebtedness, which means it is income so it must be removed from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please have all accounts removed from my consumer credit report According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I have not given financial institution written instructions to report these account on my credit report.

Last but not least these credit reporting agencies are violating the Privacy act of 1974 ( 5 U.S. Code 552a ).

This act states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 

Please force all XXXX reporting agencies to delete all of the above accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX Balance : {$4300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. I have reviewed my credit report and found that the following information is incorrect and/or incomplete. Please investigate and verify the accuracy of this information as required by the Fair Credit Reporting Act ( FCRA ). 

US DEPT ED Account Number : XXXX According to my credit report, there is a negative item associated with this account. However, I would like to request that you verify the payment status, balance, comments, payment history, and account number, as they may be incorrect. If there is an error, please fix or delete this account from my credit report completely. 

XXXX XXXX Account Number : XXXX I have noticed that there is a negative item associated with this account. However, I have no record of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this harmful incorrect data immediately from my credit file. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX - This address is not correct. I request that you delete it immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX -This address is not correct. I request that you delete it immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX- This employer belongs to someone else. I request that you delete it from my credit report immediately. 

The following personal information is incorrect Account Number : XXXX XXXX - This employer belongs to someone else. I request that you delete it from my credit report immediately. 

As per the FCRA law, I am entitled to a response from you within 30 days of your receipt of this letter. I kindly request that you complete your investigation and provide me with a written response within this timeframe. I also request that you notify all credit reporting agencies that you have contacted regarding these errors. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX