23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX, 2016 Quicken Loans, NMLS # XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : XXXX 2016 payment Please note that we are requesting that you remove your late fees that were applied to our account effective XXXX XXXX, 2016. The attached check copies ( XXXX - XXXX 2016 ) notes the dates our checks have been mailed to your processing and accounts receivable department well within the given grace periods allowed. 

Your average timeline of 10-15 days to receive and process our checks to be presented to our financial institution is at minimum concerning, thus need to be investigated by the U.S. Federal Trade Commission. There are no other creditors we are in relationship with present this business practice concern. We prefer to use checks when paying our creditors and for the exception of Quicken Loans , Inc. this method has been successful. 

The U.S. Postal Service branch offices have assured us on more than one occasion that once we place our mail with U.S. first class postage stamps in their receptacles ; whether at my local branch or within my subdivision, it should reach it assigned address and zip code within less than 10-15 days. Why is your organization the exception? When receiving mail delivered by the U.S. Postal Service from Quicken Loans, Inc. dates noted on the documents have never shown the 10-15 day time span. No, online or auto-pay are not options we would like to put in place, there have been several instances of fraud through these methods and has not proven worthy to us. 

Please review the attachments as consideration for removing your fees and processing your check payments in a timely manner in order to honor your noted grave period. 

Best regards, Cc : U.S. Federal Trade Commission Bureau of Consumer Protection XXXX XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I am filing a complaint against cash app ( Block Inc ) for not having an inadequate process in place to reach customer service via chat or live person. My understanding this is an unfair practice which violate CONSUMER FINANCIAL PROTECTION ACT. I experience cash app failed to take timely and effective measures to prevent and address fraudulent transactions on their platform. Their dispute resolution process was unfair and not in compliance to address consumers. Their dispute resolution company failed to comply with the electronic fund transfer act and regulation E.due to the company failure have cause significant financial loss, and I seek help to address the company lack of practice in place to compliance and I believe their are in violation. Cash app bot and advocacy provided no response or resolution. Only to direct you to things that dont work. Wait time are a joke and were in place for them to take advantage of consumers on their platform.
Product: Credit reporting or other personal consumer reports

I have consolidated all my credit cards and 98 % paid, I have inaccurate reports on all of the credit reports charged off but all paid, late payment was during the process of the consolidation program process and once the process was complete accounts were paid, but reports still read late payments, charged off inaccurate. I had requested this be resolved XXXX XXXX, XXXX and Transunion causing denial.
Product: Debt collection

On XX/XX/XXXX I received a notice from my bank that my credit rating had suddenly been downgraded. An alert was sent pointing to Paramount recovery systems. Upon calling XXXX at the XXXX XXXX number given I was informed that check and go which is a payday loan had recently turned over to them a claim for an unpaid loan taken out apparently in my name on XX/XX/XXXX for {$750.00}. As of now {$970.00} and XXXX was due. I informed the clerk that I had never taken out such a loan nor had ever done any business with them. Clerk offered no means of investigation or remediation, and asked me to email a copy with a photo ID. I did not do this I immediately called our local police department got a fraudulent Police case number XXXX XXXXXXXX XXXX XXXX XXXX in XXXX, California. Either the collection agency is fraudulent or the initial claim was fraudulent because no one ever informed me of a reported nonpayment. My soul notification was a note from my bank, that my credit score had dropped. The people at Paramount recovery system collection agency offered nothing or no information to dispute this. I am quite sure the check and go claim is fraudulent or that they granted a loan to someone fraudulently using my name. From the number of similar reports about this on the XXXX XXXX XXXX site relating to Paramount recovery systems. It would seem worth the effort of the CFBP to investigate, is the collection being undertaken in good faith? I doubt it. 
The turmoil and time spent on this tells me that others, not so favorably, situated, as I am, would be very adversely impacted, and perhaps feel compelled to pay such a claim simply in order to make the matter go away. 
Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Please see the attached dispute letter that was sent in XXXX of 2023 to the point of no available. For your reference, the letter is dated and time stamped. I am demanding that you remove the accounts listed in the dispute letter due to violation of the FCRA and negligence. Specifically, the collection account XXXX XXXX XXXXXXXX, has been removed from XXXX due to inaccurate reporting so why are you still reporting this account? You failed to conduct an investigation initially. I know that each violation has a maximum of {$1000.00}. If I were to take this to small claims court, I would be asking for the max per violation. At, this time I am only requesting the removing of the unverified accounts SPECIFICALLY XXXX XXXX since this has been investigated and removed from my XXXX account. See the attached unauthorized and unverified accounts and remove them immediately.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them XXXX times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear ACIMA DIGITAL FKA SIMP, I am writing to address a clear violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX consumer protection and identity theft laws. 

It has come to my attention that ACIMA DIGITAL FKA SIMP has engaged in unauthorized reporting of my personal information to credit agencies without obtaining my explicit consent. Under federal law, specifically Section 1681b ( a ) ( 2 ) of the FCRA, consumer consent is a legal requirement for the reporting of such information. 

In addition to federal lawXXXX XXXX  law under the Revised Statutes of XXXX  ( XXXX ), Section XXXX, defines identity theft and fraud as the unauthorized use of someones personal information, including in relation to credit reporting, and provides for penalties in cases where unauthorized actions result in harm to the individuals creditworthiness. Missouri statutes also support the fair and accurate reporting of credit information and offer legal recourse for consumers affected by fraudulent or unauthorized activities. 

I affirm that I have not given ACIMA DIGITAL FKA SIMP any consent to report information to my credit report. This unauthorized action constitutes a violation of my rights under both federal and Missouri state laws and has the potential to damage my creditworthiness. 

I demand that ACIMA DIGITAL FKA SIMP immediately ceases all reporting of information to my credit report without my explicit consent, in accordance with Section 1681b ( a ) ( 2 ) of the FCRA and XXXX identity theft and consumer protection laws. Failure to comply within the specified XXXX period will be considered willful noncompliance, which is subject to penalties under both federal and state laws, including XXXX identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri laws protecting consumers like myself from unauthorized and harmful credit reporting. I expect ACIMA DIGITAL FKA SIMP to take immediate corrective action to rectify these violations. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/XXXX XXXX XXXX XXXXXXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Credit reporting or other personal consumer reports

I was unaware of this debt when it appeared on my credit report, I didnt have the opportunity to dispute this information. If in fact you believe you gave me proper notification please send me the certified documentation that shows that I was aware of this debt that had my signature stating that I received this documentation. 
In the absence of such documentation, I respectfully request that the accounts be removed from my credit report, as I was not given the opportunity to address these debts in a timely manner. 

Please provide me with the requested documentation or proceed with the deletion of the accounts from my credit report. I would appreciate your prompt attention to this matter. 

Account : XXXX XXXX  - XXXX Account : XXXX XXXX XXXX XXXX - XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX - XXXX Account : XXXX - XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX - XXXX
Product: Debt collection

I paid off this debt from Doctors care. I went on the website and paid the balance in full. While they took it off my XXXX credit report, they have left it on my XXXX report.I contacted the AMCOL and faxed them the receipt showing I paid the account in full. I was told they were sorry and would update the account. However, they have n't updated the account.
Product: Credit reporting or other personal consumer reports

I will never stop refilling complaint to the EXPERIAN for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/year>, XX/XX/year> and XXXX XXXX, alongside with this complaint is the identity theft report number XXXX.They allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting or other personal consumer reports

In re XXXX XXXX XXXX XXXX reports showing adverse activity with Sallie Mae, a private XXXX loan lender. 

2 accounts : 1. Last Full Payment : XX/XX/XXXX for {$190.00} XXXX. Last Full Payment : XX/XX/XXXX for {$130.00} These accounts should be due to fall off in XXXX XXXX. Yet, Sallie Mae has augmented the payment history to re-age the accounts.
Product: Vehicle loan or lease

The loan was taken out XXXX of 2015 which is XXXX and XXXX XXXX. I voluntarily gave the car in for repo. The car was sold at the auction for XXXX but Honda finance is still reporting a XXXX balance due on my credit report. As for repossession isnt it supposed to removed from your credit report Ive spoken to Honda and they refuse to remove it Ive spoke to them several times in regards to this matter I fell on hard times and couldnt afford the car and couldnt handle the payments and i expressed that to the company i am simply trying to get my credit in order after all these years. American Honda finance refuses to remove this of my credit
Product: Debt collection

I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to NO RESPONSE from EDUCATIONAL CRED MGMT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 

Reported late as on XX/XX/2021 XX/XX/XXXX XXXX XXXX
Product: Debt collection

Pro Collect Inc. has furnished and reported information without my consent. They are falsely reporting an alleged debt from The XXXX XXXX ( an apartment complex ). To whom, I do not owe any debt. Under federal consumer laws, ProCollect Inc. does not have any rights to say or report that I owe a debt. I have sent this company 2 affidavits in which they only responded to the first one, with the information I attached in this complaint. The second affidavit on XX/XX/2021 they did not respond. This company is in violation of the federal credit reporting laws listed below : 15 usc 1692 ( b ) 5 15 usc 1692 ( b ) 2 15 usc 1692g ( a ) 2 15 usc 1692 ( f ) 1 15 usc 1692g 15 usc 6802 In the files attached to this complaint, these laws and how they are in violation, are explained.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, TRANSUNION, AND XXXX have continued to report unauthorized information on my credit report. I have disputed this information several times with no avail. XXXX, TransUnion, and XXXX all state that they have received and verified information from XXXX who lied and stated it gets its information the Bankruptcy Court. The Bankruptcy Court is not a creditor and does not furnish any information to credit bureaus they buy data from XXXX a company that I have requested not furnish any information on my behalf and have also opt, out. as I am entitled to. I Per FCRA information being furnished must come directly from the creditor and must be accurate and the creditor must have followed the credit reporting guidelines before reporting information to credit bureaus. Furthermore, I have never given consent for XXXX to furnish any date on my behalf which is requred per FCRA.
Product: Credit reporting or other personal consumer reports

Student loan was taken in XXXX  : I have since moved out of state ; they are in violation of collecting on a '' XXXX '' debt. In addition, i have endured the pandemic, suffered a debilitating XXXX and am currently on disability-will probably be on for life. Please remove credit reporting from any reporting credit bureaus, currently reporting. to XXXX, i have disputed, but they did not remove.
Product: Debt collection

Dynamic Recovery Solutions is the 5th collection agency attempting to collect this debt. Please find attached documents showing that the previous collection agencies had my credit files showing that my files were deleted. The debt was never verified, Dynamic Recovering Solutions never sent me a letter, giving me a 30 day period to dispute this debt, Under Federal Law Collection agencies must send you a letter in writing detailing the debt and giving you a 30 day period to dispute.. I have XXXX XXXX and that is how I find out that they were trying to collect. I am disputing this amount just like the previous collection efforts, the amount was never verified. Please find attached the original collection efforts and where they have all deleted this from my credit files.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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

XX/XX/XXXX Subject : Third Request to Correct Inaccurate Late Payment Reporting Dear CFPB, I am filing this formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXXXXXX account ( Account # XXXX ). Despite my repeated requests for correction through disputes filed on XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX, no changes have been made to address the inaccuracies. These unresolved issues are in violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Payment History Discrepancies The payment history for this account contains significant inaccuracies : XXXX reports a XXXX late payment for XX/XX/XXXX, which is incorrect. 
XXXX reports a XXXX late payment for XX/XX/XXXX, which is also inaccurate. 
TransUnion inaccurately reflects the account as having a XXXX late payment despite showing no late payments in the detailed two-year payment history. 
These discrepancies among the credit bureaus highlight a failure to maintain consistent and accurate reporting of my payment history. The XXXX late payments reported by XXXX and XXXX are false and unsupported by any records. 
FCRA Violations 15 U.S. Code 1681i : Mandates credit reporting agencies to ensure the accuracy of information in consumer files. XXXX has failed to investigate and correct the disputed information. 
15 U.S. Code 1681e ( b ) : Requires credit reporting agencies to adopt reasonable procedures to assure maximum possible accuracy of the information they report. 
TILA Violations 15 U.S. Code 1666b : Creditors must send periodic statements at least XXXX XXXX before the payment due date. The reporting of a late payment indicates non-compliance with this requirement. 
Impact of Inaccuracy This erroneous reporting has caused significant harm to my creditworthiness and financial standing, creating barriers to obtaining credit at favorable terms. 
Previous Dispute History My first dispute regarding this issue was submitted on XXXX XX/XX/XXXX, and my second dispute on XXXX XX/XX/XXXX. Despite providing the necessary documentation to support my claims, no changes have been made to correct this error. 
Desired XXXX XXXX removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Attachments To assist with your investigation, I am including the following documents : A copy of my government-issued ID. 
A copy of my Social Security card. 
Copies of the dispute letters from XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 
A highlighted copy of my credit report showing the inaccuracies. 
If this issue is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider seeking legal action to protect my federally granted consumer rights. 
I expect your response to this letter within XXXX XXXX as mandated by the FCRA. Please contact me if additional information or documentation is required to complete your investigation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION 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 XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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