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

I hope this letter finds you well. I am writing to address the inaccurate late payment listings on my consumer report, specifically concerning the accounts associated with KIKOFF, KIKOFF and XXXX, XXXX, with the reported late payment dated on my credit report. This is my third attempt to resolve this matter amicably.

I still noticed discrepancies in the information being furnished on my credit report. It is imperative to acknowledge that various federal laws are in place to safeguard consumer rights and ensure fair business practices. I would like to draw your attention to 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), which explicitly prohibits reporting or treating a payment on an open-ended credit plan as late for any reason.

Furthermore, 15 USC 16819 ( B ) stipulates that as a consumer, I must grant permission for the furnishing of information on my behalf. To date, I have not provided such authorization to [ Name of Company Reporting Late Payment ]. Thus, the reporting of late payments without my consent is a violation of consumer protection laws.

Additionally, the billing errors identified under 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ), including the creditor 's failure to reflect payments properly on a statement and computation errors, further highlight the inaccuracies in the reported information. As per the Fair Credit Billing Act, the creditor is obligated to notify me at least 21 days before the due date if there are any discrepancies in the statement. Failure to do so renders any late payment designation as a billing error. The following items must be promptly updated to reflect " paid as agreed '' on my consumer report : KIKOFF - XXXX, KIKOFF - XXXX I demand conclusive evidence from the creditor 's records demonstrating that the reported late payments were indeed justified and not the result of billing errors. Your persistent failure to rectify these inaccuracies not only tarnishes my consumer report but also undermines my financial standing.

I hereby request that the late payment listings associated with the aforementioned accounts be promptly updated to reflect accurate information or removed entirely. Failure to comply will result in legal action seeking monetary compensation for violations of my rights under 15 USC 1681n civil liability.
Product: Mortgage

To whom it may concern I received terrible service with mortgage department I 'm on loan modification the last was to come on the XXXX this month of XXXX instead XXXX came out of my account. The above happen XXXX on XXXX/XXXX/15 and XXXX/XXXX/15. after several months and XXXX different account managers I finally got loan modification and now still the employees are not doing their job and paying. Unfournately this the normal with bank of America they want you to lose your home. Tired and stressed out.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards and loans from : XXXX XXXX XXXX XXXX with a balance of {$39000.00} XXXX XXXX XXXX XXXX with a balance of {$0.00} XXXX XXXX XXXX XXXX with a balance of {$28000.00} XXXX  XXXX with a balance of {$5500.00}. 

The hard inquiries n my credit report that should be removed, blocked and deleted are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My XXXX account was hacked. My password was exposed. My linked bank account is verified through XXXX for login. I was charged two times for atm withdrawals I did not make. Capital one 360 closed my dispute case without even waiting for my sheriff detective to investigate! Ive been defrauded and stolen from. 

Capital one does not care nor handle serious bank fraud with importance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had asked for reduced payments with XXXX so I did not miss any payments since I had lost my job in XX/XX/2020. XXXX granted the XXXX plan and I was allowed to make interest only payments for 3 months. I had a written agreement from XXXX. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a XXXX plan. I had to explain it to each caller several times a month during the period of the XXXX  plan. My credit score dropped and I was denied a lease and mortgage due to XXXX falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX  complaint, no one is helping me. I am being harmed by XXXX still reporting those hardship payments as delinquent. I need help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent a letter to the collection agency Kinum , Inc. on XX/XX/2023, certified mail. They signed for it on XX/XX/2023. This is not my debt. I asked Kinum , Inc. for a debt validation/verification pursuant to 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

I have not received a response to my letter. Or any form of communication with Kinum , Inc., before or after it has been reported on my credit report. 

Attached hereto is a copy of my letter dated XX/XX/2023, along with proof of certified mail.
Product: Credit reporting or other personal consumer reports

I have identified information that appears on my consumer report that is a result of identity theft this account is not mine, and identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have a 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 take 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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

on XX/XX/2024 around XXXX XXXX I, XXXX XXXX, just tried to order XXXX XXXX XXXX online and my prepaid, paypal card, that had {$95.00} on it, got declined and kept telling me i had the wrong zip code. I tried again, and again, it declined for wrong zip code. So, I call paypals customer service phone number from the back of my prepaid paypal debit card, I enter the card numbers into the phone system, it accepts it, it then asks for my full XXXX digit social security number, I enter it in, it declines it. twice, then put me through to a live agent. the agent gets on the line, asks me the persons full name she was speaking to, so i tell her, my name is XXXX XXXX. she then asks me what the name on my prepaid paypal card shows, i then answer and say, XXXX XXXX. She says this information is wrong. so double confirm, she asks to tell her again, what the full name on the card shows, that i have in my hands. I say, again, MY name XXXX XXXX, which is the name on the card. The agent then tells me, okay sir. you'll have to call back, when you have the right information. The information that you are telling me, is not the information thats entered into the system and what im seeing on my end. So, unfortuntely, because you dont have the right information that i need to confirm, you can call us back, with the correct information. ( in my opinion, she was insulting me there, as if I call back tomorrow, my name is going to be different ) but it isnt, and wasnt. Thats what i said, just that. and asked her, this is not concerning you that clearly someone has gotten all my identity information and has changed all my information on my account so they could take my money off this card because there isnt the XXXX $ exactly on the card anymore. the agent tells me, sir i can not tell you wether it does or not until you confirm the other information, that you couldnt match with earlier. So i Just told her, okay yeah, your not even directing me into starting a fraud claim or ornothing not trying to confirm anymore investigative questions, to try to realize that i have been a victim of identity fraud. someone has my identity information, and ended up getting my paypal information, and then got into my account, and changed all my information to theres. so wouldnt they want to get to the bottom on wether or not the persons inofrmation that was showing, is actually in fact, the theif. just seems kind of strange to me for paypal agent to just not even say anything other than, when i have the right information call back, not asking anything about trying to find out whats happening here and why i have a card that doesnt match all the information that was entered in to be able to activate and use this paypal card. when i called to activate it, it made me put in a lot of information, thats is sensitive to, making me a victim of identity fraud. i would like paypal to be investigated on this matter please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED NOTIFICATIONS OF NEW INQUIRIES ON MY ACCOUNT THAT I HAVE NOT AUTHORIZED OR EVEN HAVE A CLUE OF THE THEY ARE BUT THEY HAVE SHOWN UP AS INQUIRIES THESE ARE THE COMPANIES! 

XXXX XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX XXXX  You applied for a loan on XX/XX/2021 XXXXXXXX XXXX  You applied for a credit card on XX/XX/2021 XXXXXXXX XXXX You applied for a credit card on XX/XX/2021 XXXXXXXX XXXX  You applied for a credit card on XX/XX/2021 XXXXXXXX XXXX You applied for a credit card on XX/XX/2021 XXXXXXXX XXXX You applied for a credit card on XX/XX/2021 XXXX You applied for a loan on XX/XX/2021 XXXX Co You applied for XXXX credit card on XX/XX/2021 XXXX You applied for credit on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/2021 XXXX  You applied for a credit card on XX/XX/2021 XXXX
Product: Credit card or prepaid card

I received a financial aid stipend on XX/XX/18. On XX/XX/18 my card was charged {$1600.00} from XXXX. I have never signed up for a XXXX account. On XX/XX/18, I opened up a dispute with Amex Serve. I sent in a police report, and a declaration of fraud form. On XX/XX/18, I received an email from Amex Serve saying they're denying the dispute and when I called, they're unable to give me a specific reason as to why the dispute was denied. They're just saying there was no error.
Product: Debt collection

I have been trying to work with this account for the last 9 months however, I was never given any update or information of the results of the disputes I have submitted. This is a violation of my rights as a consumer. The account information is showing inaccurate informations, invalid account numbers and asterisk dont match or correspond to creditors also Re adding or re aging accounts this is violation and must be notified.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. I was in the process of buying a house, and after getting the closing going, I was informed that I had a collection for {$750.00}. I was blindsided by the information, as I had no collections at the time of the application or in the home buying process. I contacted FAO on XX/XX/XXXX. I mailed a debt validation letter to FAI, disputing a collection account on my credit report. FAI had already placed a collection on my credit report without prior verifying the debt. The mailed a letter to an address that was not associated with me and expected me to acknowledge the letter when I never got knew about the collection or had time to validate the debt or respond. I sent them a debt valid letter they ignored me and placed the item on my credit report. I am seeking the firm to be held liable to the FCRA law, and the fact that this is a clear violation of the FCRA Law- 15 U.S.C. 1692 If the collector gets a notice that the letter or message was undeliverable, the collector can't report the debt to the credit reporting agencies unless it achieves communication as detailed above. ( 12 C.F.R. 1006.30 ( a ) ( 1 ) and Official Interpretation of 30 ( a ) ( 1 ) ). 
Effective XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer.
Product: Vehicle loan or lease

Credit Acceptance denied me credit after running my social security number. They are in violation of the Equal Opportunity Act, 15 USC 1691c. 15 USC 1642, and 12 CFR 1002.7 ( a ).
Product: Payday loan, title loan, or personal loan

Closed account with XXXX XX/XX/XXXX which I did not know there was a line of credit balance until I received a letter XX/XX/XXXX stating my line of credit payment was past due. 
Received a statement XX/XX/XXXX with a balance of {$530.00} which I did get a {$25.00} late fee waived. After speaking with a representative from XXXX and they told me my balanced to pay in full would be {$530.00}. I sent a check for {$530.00} XX/XX/XXXX which was posted on XXXX 

I thought the Line of Credit was closed out as I didnt receive any statement for XXXX. XXXX I received a statement stating my new balance was {$86.00} which is Late Fees and Interest and states my previous balance was {$590.00}. Then XXXX I receive another statement stating my new balance was {$87.00}. 

I feel XXXX is taking advantage of the loan and charging interest and late fees and when the line of credit was paid off. 

This is unfair to my husband and I as we are seniors on a limited income and the banking industry is robbing their clients.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fl XXXX To whom it may concern, I recently received a copy of my XXXX credit report and I noced some late payments posted on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$250.00} XXXX  {$220.00} XXXX  {$25.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never been late with this account the late is not reported from the company Your company is in clear violaon of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES ; A In General Subject to subsecon ( c ) any consumer reporng agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the wrien instrucons of the consumer to whom it relates.

Did I give you wrien instrucons to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to secon 1681s-3 of this tle, any ( i ) report containing informaon solely as to transacons or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violaon of 15 USC 1681.
Product: Credit card

KeyBank has consistently posted payments made to my account late. A payment of {$330.00} was mailed by XXXX 's BillPay service, and was confirmed to have been delivered to Key by XXXX/XXXX/2016. KeyBank did not post the payment until XXXX/XXXX/2016, 5 days late. Since the due date was XXXX/XXXX/2016, KeyBank assessed a {$25.00} late fee. A payment sent the next month also posted late. XXXX mailed a check in the amount of {$95.00}, and confirmed it was delivered by XXXX/XXXX/2016. KeyBank did not post the payment until XXXX/XXXX/2016, 6 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}.
Product: Credit reporting or other personal consumer reports

My personal information has been compromised and stolen. As a result the following accounts have been opened under my name and social without my permission. Ive reached out the all the credit bureaus and haven't received any help. The following accounts listed are a result of ID THEFT : XXXX XXXX XXXXXXXX Acct XXXX XXXX ( {$2800.00} ) XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX {$750.00} ) XXXX. XXXX XXXX Acct # XXXX ( {$290.00} ) XXXX XXXX Acct XXXX XXXX ( {$19000.00} ) XXXX. XXXX XXXX XXXX Acct XXXX XXXX ( {$990.00} )
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.

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXX 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: Debt collection

I was never contacted by the company for this debt. It was a joint account, both parties should have been contacted but I was not. The bill that was sent by the original company, was back in XXXX, when I spoke with them, they said the other party on the bill was paying. Next thing I know, it shows up months later on my credit score. I was never contacted by this company and I was never given anything to contact them with. Their number isnt even valid that shows up on the credit score report when I filed a dispute. A company should send information to someone with contact info in they want a response. Very shady business practice.