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

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

There is a company listing I owe on a medical debt which I do not. I have XXXX insurance policy 's that cover 100 % this information is inaccurate and false. Please help as I have been trying to fight this
Product: Debt collection

i am requesting the original purchase agreement ( ORIGINAL ) that shows you are the legal owner of this alleged debt. please include all terms and conitions that are included in this purchase agreement. Delete XXXX immediately. Thanks for your cooperation
Product: Credit reporting or other personal consumer reports

Moved to new address due to frequent identity theft with old address, and derogatory remark on my credit reports I only authorize new address to be on my reports and remarks about old address and address be deleted immediately
Product: Credit card or prepaid card

I applied for apple credit card & have been denied over n over for the same reason which makes zero sense? The denial letter reads to many obligations with balances? I only have one credit card with a balance & perfect payment record outstanding never late on any of my cards 19 accounts in total all with zero balance! Only one card with a {$2500.00} balance. Im attaching my balances to all my accounts for review.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> I noticed some loans listed on my credit report that have been listed without my written consent. I have notified Experian and they have denied taking these loans off of my report stating that I should have known about these loans, it was material misrepresentation, or that perhaps I made the complain in error. Additionally, they asked for the informtaion and proof though it was attached to the first complaint. 


According to 15 USC 1681, they should have removed these loans since they are inaccurate, disuputed by me, and have chosen to not respond in an appropriate manner. Additionally, XXXX states that I did not give them : Reason 1 : Your request is missing essential personal identifying information Reason 2 : Account specific information such as name of creditor, account numbers or other account details that would allow us to complete your request was not included Reason 3 : The description of the identity theft was too vague and/or did not include specific information related to the identity theft, including the dates the fraud occurred. All of this was attached and included in my original complaint as they will also be attached again to this complain.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XX/XX/year> Im now requesting you investigate this account and update these payments to paid on time thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

Hello. My husband XXXX XXXX. He worked for XXXX XXXX at the time. He would send me money through Google Pay as he was only home every six weeks for 2-3 days. We used Google Pay many times without incident but this time Google Pay deposited money in my account but then withdrew it the next day for a total of XXXX XXXX dollars. I have been demanding our stolen money from Google Pay for over a year. I filed cases with Google Pay ( case ID XXXX ), the XXXX, the FTC and the Arizona Attorney General. Google Pay acknowledges deposits but ignores their withdrawal which I have documented. They said my husband stole the money, my bank stole the money and I am sure now the Arizona Attorney General and/or the FTC. I just want our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with the CFPB on XX/XX/2020 about the student loan accounts that needs to be removed. In both Transition and XXXX  response they both was suppose to investigate and remove. it has been 31 days since I submitted this issue. The FCRA only allows 30 days. By law this incident should be resolved and the accounts should be removed. I am asking that the CFPB step in and enforce the law that both companies Transunion and XXXX  are not following and abiding by.
Product: Debt collection

" Hi this is a import message for _______ _________ this is not a solicitation call it important for you to please take a moment today and return my call toll free at XXXX. We are available from XXXX XXXX to XXXX pm eastern time Monday - Friday. I do look forward to speaking with you and I appreciate you're time and my name is XXXX, have a great day. '' This is a recording that was left on my office voicemail on XX/XX/2021 @ XXXX XXXX in the morning central time. I was told that creditors could not call you're employer unless they have a lawsuit pending with you. This came from DISCOVER CREDIT CARDS.
Product: Mortgage

I bought a manufactured home in XX/XX/2001 Brand new put on property I was buying. I signed a loan agreement with XXXX which was taken over by Ditech. I 've called to have them refinance my loan due to the over 9 % interest rate I 'm paying back when my credit was in a lower score.. Now my credit is over XXXX but they refuse to refinance to lower my interest rate. I have fell behind on payments and even had them defer payments due to injuries that caused me to be off work and rely on workmans comp payments which is barely enough to survive on. my payments are over {$900.00} a month for a loan I took out with Green Tree. I sat down one day with my significant other only to realize I have paid over XXXX} XXXX on the loan of XXXX XXXX and only paid XXXX XXXX towards the home and the property it sits on. I still owe over XXXX XXXX on this place I call home which I am struggling to afford as it needs regular maintenance that I am unable to due due to the amount paid towards the home itself. We looked at this years payments and most of the money they received from me for the payments, was put towards interest of over XXXX XXXX for 1 year .. Only a little over {$900.00} has been put towards the home itself and the rest is interest in there pocket. What happen to the OBAMA, MAKE A HOME AFFORDABLE PLAN cause for sure this company is profiting millions off of home buyers like me.. I now have my almost XXXX mother living with me due to needing someone to care for her and paying for her own well-being to keep her XXXX and not a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

I am aware that despite customers providing precise information, you have been using pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand that this is illegal, as each customer complaint should be individually considered and handled appropriately. 

My letters are created using accessible software available to everyone. If you choose not to process my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay processing based on the assumption of third-party assistance. This does not qualify as a legal exception. I am the sole author of letters bearing my name, or they are written by my advisors with my knowledge and consent. Failure to respond promptly will be seen as a willful disregard for my rights, and legal action will be taken.

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and XXXX XXXX data field reporting standards, I have the right to dispute incorrect information on my credit report. It is essential that all data in a consumer 's file is properly documented and validated. The allegations against me are false, and I won't tolerate misinformation about my financial history. I challenge these claims due to their failure to comply with reporting standards. It is your responsibility to report data accurately and in compliance with FCRA and XXXX XXXX standards. Handle this matter with care and diligence.
Product: Debt collection

On XXXX XXXX, 2016, I saw that I had a bill from Convergent Outsourcing. Which the debt collector sent this debt to an old address that I have not had any type of communication with since XXXX 2016. I never knew I had a debt I collection. The original creditor, knows my physical address, because I already have an separate open case with this creditor. Which I am asking for Convergent Outsourcing to send my verification of the debt and I am also disputing the debt. The information that debt collector has sent me does not outlined to make me understand the amount they are asking for. I have no knowledge of the debt and the debt is not mines. I did not have enough time to dispute the debt.
Product: Checking or savings account

Greetings, On XX/XX/XXXX, I left my place of employment due to a hostile work environment. I followed company policy by informing HR of my abrupt voluntary termination and requested that I be paid my remaining PTO time and wages next pay period. Since I lived at the place I worked ( XXXX XXXX ), I planned to move out of my apartment on-premises. 

XX/XX/XXXX, I moved into my new apartment and drafted the money from my chase account since I was due to get paid on XX/XX/XXXX. 

Unfortunately, the company I once worked for did not pay me the required compensation and because of this, I had to endure 14 days of overdraft fees ranging from $ 33- {$100.00} dollars. Luckily, I had a second banking account with money on it and attempted to live off of that until my situation was cleared up with my former employer. However, I did not have enough money to cover the overdraft because of the situation with my former empoyer and simply had to choose between feeding my family or hoping chase will still provide the overdraft protection for a fee. The former employer not only refused to fairly compensate me within days of their negligence, but also broke Arizona State Law in reguards to Wages and response to a constructive discharge complaint. 

After two weeks of threatening legal action and fighing HR at the previous place of employment, I was paid the morning of XX/XX/XXXX. I immediately transfered the money from my other banking account into my chase account. 

I am claiming hardhsip due to employer negligence as my reason for a request of refund. This situation was far out of my control and there wasnt much for me to do except sue the company or wait to be properly compensated.I almost lost my car and insurance due to this matter and acknowledge that this wasn't chase 's fault. 

I tried talking to a CSR about this on XX/XX/XXXX but was unsuccesful with my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX XXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I would like Transunion and XXXX to take a look at XXXX XXXX credibility. They are reporting to Transunion that om XX/XX/XXXX my balance was {$350.00}. They are also showing no late payments and that I made a payment but my balance is still {$350.00}. How can my balance in XXXX be {$350.00} and I made a payment on XX/XX/XXXX and my balance still be {$350.00}. This is what they reported to Transunion. Then they told Experian that on XX/XX/XXXX my balance was {$440.00} and I had made a recent Payment of {$40.00} however on they payment sheet with Experian they show no payments. Then they told Experian that on XX/XX/XXXX my balance was {$350.00} and I made a {$90.00} payment. Then they told XXXX that my balance as of XX/XX/XXXX is $ XXXX They have made 4 completely different reports to all 3 credit bureaus. How can they be allowed to keep their trade line n my credit report when thy are reporting all these different things. Which version of their incorrect reporting are we superposed to believe? see attached documents from EXXXX, Transunion and XXXX.
Product: Credit reporting or other personal consumer reports

This notice is regarding a credit builder account that was opened on ( XX/XX/2021 ) that KIK OFF LENDING LLC reported to the consumer reporting agencies with my information with a current balance of {$210.00} owed. I am requesting KIKOFF LENDING LLC to remove all XXXX late transactions that was reported after I pay off the full balance owed that is currently 143 days past due on this account. If KIK OFF LENDING LLC will remove all the late transactions reported in this account, I wont hold them liable to their violations listed below or in any of my past notices. According to the FAIR CREDIT REPORTING ACT 15USC1681 ( 2 ) ( a ) ( i ) ; EXCLUSIONS FROM A CONSUMER REPORT ; clearly states how my transactions or experience as a consumer to KIKOFF LENDING LLC are excluded from my consumer report regardless of their company policy or everyday business practices ; Furthermore, 15USC1666 ( b ) states creditors can not report a LATE PAYMENT unless they mailed a notice received by me the consumer containing information from 15USC 1637 ( B ), 21 days before the late payment was reported.
Product: Mortgage

Ditech is my mortgage company and my town taxes are included in my mortgage payment. I have been paying taxes quarterly but at the end of XXXX, Ditech paid a full year in advance. 
I received a letter from Ditech dated XX/XX/2019 and was informed that my escrow account was {$3100.00} in arrears. I was informed that I had to pay that amount by XX/XX/2019 or my mortgage would increase by {$290.00}. 
I consulted with Ditech on several occasions to fix this problem.. I asked Ditech to get the money back from the town and revert to quarterly payments. 
I spoke with the town today and they said that they offer mortgage companies quarterly payments or they will give a 2 % discount if a whole year is paid in advance. 
I spoke with Ditech again today and was informed that if they are offered any discount at all, they take it and do not inform the customer of the change. 
I called the town again and asked the town to refund the money to Ditech so that I could do quarterly payments and I was informed by the town that Ditech has done this to so many residents in the town that the town absolutely refuses to refund any money. 
As a result, my mortgage will go up about {$300.00} a month. I am extremely upset about this unfair situation.
Product: Debt collection

I am not liable for this debt with XXXX XXXX UNIVERSITY and I do not have a contract with CONSERVE plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$2400.00}
Product: Credit card

I have a Lowes charge card. The credit is provided by Synchrony. I was notified by email today that they will start charging customers {$1.00} to receive a paper copy of their monthly bill. This seems ridicules. We are going to be charged an additional fee to see what we owe. 

there are lots of people who prefer to receive a paper bill or don't trust/use online access. what if our emails are hacked or our email providers incorrectly block the email. we could inadvertently miss a payment. 

This new fee is wrong!
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I went to a XXXX car dealership and completed an application to finance a vehicle. I specifically informed them that I would only go through XXXX XXXX XXXX for financing and no one else. They ran my credit through their dealership, XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. These all counted as " HARD INQUIRIES '' affecting my credit score. I attempted to resolve with the dealership to no avail. I then contacted all three credit reporting agencies, Trans Union, XXXX and XXXX to explain and they stated that because my credit was ran, it was a hard inquiry. They would not assist in giving me any contact information for these agencies nor were they willing to recognized that for a situation like this, the inquires should be counted as one because it was for the same event - purchase of a vehicle from the same location who was running my credit.
Product: Mortgage

I was offered a loan modification program through my mortgage company. I was contacted once I was behind on a payment. To make a long story short for nine months I was contacted to make payments on this loan and was told that any foreclosure information I had gotten was taken care of, and I should not worry as the loan was in good standing with The company. I have much documentation to provide. I just not sure it is able to be sent in this format, so please feel free to contact me if youd like the information that I have for nine months they made me get prepaid cards from XXXX to pay them. I know it sounds ridiculous and I shouldve known better, but they had What seem to be legitimate emails and would send me emails with my mortgage company/banks logo and at one time when I question them on the phone they told me if I didnt want to help them they were in no way responsible for helping me repay my loan. I was able to make up my loan payment within three months but they kept having reasons why it wasnt going through and now that my redemption period is going to be up on XX/XX/XXXX. I am not able to contact anybody that previously was talking to me about my loan modification.