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

I am writing to formally dispute inaccurate late payment entries on my credit report regarding my account with XXXX  XXXX ( Account # XXXX ). These late payments appear to be reported in error, as the account is marked as Current across all bureaus and there is no valid evidence to support these entries. This is a violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 
Details : Account Name : XXXX  XXXX # XXXX Late Payments : The account is marked as Current across all three credit bureaus, yet late payments are reported inconsistently : TransUnion : Reports 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
XXXX : Reports 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
XXXX : Reports 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), and 120 days late ( XX/XX/XXXX ). 
This is a major discrepancy because : The Payment Status is listed as Current. 
The Past Due amount is {$0.00} across all bureaus, meaning no payments were late or owed. 
2. High Credit Discrepancy : TransUnion and XXXX : List the High Credit as {$510.00}. 
XXXX : Lists the High Credit as {$0.00}, which is incorrect and inconsistent with other bureaus. 
3. Future Reporting Dates : TransUnion and XXXX : " Last Reported '' date is XX/XX/XXXX. 
XXXX : " Last Reported '' date is XX/XX/XXXX. 
Reporting dates in the future violate FCRA Section 607 ( b ), which requires timely and accurate reporting. 
4. Date Last Active : TransUnion : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
These discrepancies suggest inaccuracies in the account activity information. 
5. Payment History Contradictions : The Payment History shows late payments for specific months ( XXXX, XXXX, and XX/XX/XXXX ), even though the account status is listed as Current with no past due amounts. 




Violation of Consumer Protection Laws : Violations of 15 U.S.C. 1681 ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of consumer information. Reporting late payments on a current account violates this standard.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I have the right to dispute any inaccurate information on my credit report. The bureau must conduct a reasonable reinvestigation to verify its accuracy.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified as accurate, it must be promptly deleted or corrected.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Information furnishers, such as creditors, are prohibited from knowingly reporting inaccurate information.

5. 15 U.S.C. 1681s-2 ( b ) : Upon receiving notice of a dispute, the furnisher must investigate, review relevant information, and report its findings to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX MI XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$2100.00} XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX Balance XXXX : {$520.00} XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX-***** Balance Owed : {$630.00} XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX  XXXX Balance Owed : {$520.00} XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX  XXXX Balance Owed XXXX {$330.00} XXXX  XXXX XXXX Balance Owed : {$630.00} XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} U.S. Bankruptcy Court Chapter XXXX Bankruptcy Reference # XXXX U.S. Bankruptcy Court Chapter XXXX Bankruptcy Reference # XXXX XXXX Bankruptcy Court Chapter XXXX Bankruptcy Reference # XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, XXXX, I sent an Investigation Request Letter to Experian, asking them to re-investigate my dispute against XXXXXXXX XXXX  XXXX Account XXXX, Date Submitted : XX/XX/XXXX, Date opened XX/XX/XXXX, Balance {$1100.00}, Date opened XX/XX/XXXX. Account number XXXX, Balance {$11000.00}, Account number XXXX, Date opened XX/XX/XXXX, Balance {$600.00}, XXXX Open/closed, Closed Date opened XX/XX/XXXX, as you will see, all three accounts are under one account number, as well as opening dates that has expired but company keeps updating from the original open date. 

Also, I call Experian on XX/XX/XXXX to dispute the previous addresses that doesn't belongs to me and the person I was speaking stated to me the addresses that are in dispute will be removed in 24 hours of our phone conversation and they did remove one of the addresses but added two more that was removed back on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX was re-inserted, XXXX XXXX XXXX XXXX, TN XXXX has not been removed and my credit score dropped another XXXX points because of this inaccurate information that is put on my credit report. 

The Credit bureaus all stated, The company that reported the information has certified to Experian that the information is accurate but how is that even possible if the open dates are all inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that this issue still persists. As we enter the tenth attempt to address this matter, I want to stress the critical importance of rectifying this discrepancy promptly. The presence of late open accounts significantly affects my credit score and raises serious concerns about the accuracy and integrity of my credit information. I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Kindly help me correct these accounts immediately : XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$9300.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$130.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX.
Product: Credit reporting or other personal consumer reports

T

his collection agency has violated the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) By not providing the needed information to properly verify this alleged debt. i have asked for the following documentation to be sent pursuant to that law : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor ; Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along a complete itemization of all such charges ; Provide me with an affidavit that the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect on a debt in the State of Delaware ; and Provide me with your and your client 's proof of Good Standing under the laws of Delaware and the Secretary of State along with information regarding your Registered Agent for Service of Process. If this company have the proper authority to collect on this debt, my request should not have gone unanswered. Please help me pressure this company into providing the needed documentation on this.
Product: Mortgage

I made a mortgage {$50000.00} dollar principal payment to XXXXXXXX XXXX on Wednesday, XX/XX/year> towards the principal balance. I received an email ( see attached file ) from XXXX XXXX  on XX/XX/year> stating that they rejected the payment because the loan was transferred to Planet Home Lending. Immediately after finding out that my loan was sold to Planet Home Lending, I went to their website ( https : //planethomelending.com/ ) to create an account. As of XX/XX/year> XXXX and Planet Home Lending refused to receive the payment. On a phone conversation with Planet Home Lending, Planet Home Lending said they can not receive the payment until XX/XX/XXXX and that XXXX XXXX is still the servicer. According to XXXXXXXX XXXX XXXX XXXX see attached file ) on XX/XX/year>, they no longer own the loan and that Plane Home Lending should receive the payment. I am getting affected by incurring unnecessary interest at a mortgage rate or 6.625 %. 

Additionally, I would like to ask for some type of disciplinary action be imposed to Plane Home Lending for not allowing me to make payments until XX/XX/year> ( see attached file ). My monthly mortgage payment is due on XX/XX/year> and by not allowing me to make the monthly payment, Planet Home Lending is setting me failure. Even though, Planet Home Lending said that there is a grace period to make the payment, I should not be prevented to make a payment earlier. I do not want to wait till the last minute and be hoping that payments are not late. I have searched the interned for comments about Planet Home Lending and it appears that many other customers had posted bad reviews on the XXXX XXXX XXXX XXXXXXXX to name few. I do not want to be another casualty and this is the reason I want to act soon. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Child Support Information on Credit Report Dear Sir/Madam , I am writing to dispute the inaccurate information regarding my child support account reported on my credit report. Below are the details of the disputed account : **Account Information : ** | | XXXX | Experian | XXXX XXXX | -- -| -- -- -- -- -- -- | -- -- -- -- -- | -- -- -- -- -| | **Account # : ** | XXXX | XXXX | | | **Account Type : ** | Installment | Installment | | | **Account Type - Detail : ** | Child support | Family support | | | XXXX XXXX : ** | Individual | Individual | | | **Account Status : ** | Open | Open | | | **Monthly Payment : ** | {$0.00} | {$280.00} | | | **Date Opened : ** | XX/XX/XXXX | XX/XX/XXXX | | | **Balance : ** | {$280.00} | {$280.00} | | | **No. of Months ( terms ) : ** | 0 | 1 | | | **High Credit : ** | {$0.00} | {$0.00} | | | XXXX Limit : ** | {$0.00} | {$0.00} | | | **Past Due : ** | {$0.00} | {$0.00} | | | **Payment Status : ** | Current | Current | | | **Last Reported : ** | XX/XX/XXXX | XX/XX/XXXX | | | **Comments : ** | Current account/was a collection account, insurance claim or government claim or terminated for default. | | | | **Date Last Active : ** | XX/XX/XXXX | XX/XX/XXXX | | | **Date of Last Payment : ** | XX/XX/XXXX | XX/XX/XXXX | | **Reason for Dispute : ** I believe the information reported on my credit report is incorrect due to the following reasons : 1. The reported monthly payment and balance amount do not match my records.

2. The payment history and account status details are inaccurate.

3. The account was not a collection account, insurance claim, or government claim and was not terminated for default. 

**Legal Basis : ** Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. The FCRA mandates that credit reporting agencies must correct or remove inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. As stated in Section 611 of the FCRA : - **Section 611 ( a ) ( 1 ) ( A ) ** : If the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file. 
- **Section 611 ( a ) ( 5 ) ( A ) ** : Information found to be inaccurate, incomplete, or unverifiable must be corrected or deleted promptly from the file of the consumer and can not be reinserted into the file unless verified as accurate. 

I have attached supporting documents, including copies of my payment receipts and statements from the child support agency, to substantiate my claim. 

**Requested Action : ** Please investigate the discrepancy and correct the inaccurate information on my credit report. I request a written confirmation that the errors have been rectified and an updated copy of my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting

Requested report and score ( for which I authorized payment ) from TRANSUNION CREDIT CO. Suddenly there appeared a monthly {$19.00} recurring charge on my credit card. Did n't authorize, did n't know what it was for, no confirmation or acknowledgement sent to consumer that such charge would take place. After researching the internet I was able to get instructions to " cancel '' my " membership ''. There were many such complaints online about this practice. TU has said there will be no more charges. The sales rep had such a strong foreign accent that I could barely understand him. I have also alerted my credit card company who have said they will cancel any TU charges and issue a new card if necessary. I have alerted them as well and am still fuming. Thanks for providing this site.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX & XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION. 
XXXX XXXX XXXX XXXX TRANSUNION.

BK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My Experian credit report shows there is a bank account that not belongs to me, and I submitted my first dispute on XX/XX/XXXX. However, after multiple " verified and accurate '' dispute results, I contacted XXXX XXXX the one Experian said reported this account on my report. However, they can not find anything according to my social security number, and my name is super common in their database, so they can not locate any specific account related to me. That result makes sense because I have never stepped into XXXX XXXX  and had any business with them. XXXX XXXX finally said they needed the last four digits of that account to locate the information, so I contacted Experian again. They said they could not provide me with the last four digits of that account due to privacy policy. How ridiculous! They said that the account was mine but refused to let me know what the account was! That is a DEAD LOCK now, Experian said they need XXXX XXXX  to report inaccurate account linkage, and XXXX XXXX requires me to provide the last four digits of the account to locate it, which Experian refused to provide! It's NOT my account. How could I know the last four digits of that account? If XXXX XXXX can not find anything in their system according to my social, how Experian " verified '' my information with them?
Product: Credit reporting or other personal consumer reports

Credit inquirys not done by me XXXX XXXX XX/XX/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 XXXXM
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$150.00}.
Product: Student loan

I have spoken to Mohela multiple times since XX/XX/XXXX. I was not provided the mandatory 21 day notification period for my loan payments to resume - I was notified on XX/XX/XXXX with my payment being processed on XX/XX/XXXX - see pictures attached. Therefore, other borrowers were placed on forbearance for XXXX, XXXX, and XXXX payments. 

I spoke to someone end of XX/XX/XXXX and was told that I would be refunded XXXX XXXX ( for XXXX, XXXX, XXXX ) totaling {$4200.00} within 10 business days - I was told it would be expedited to me. I then reached out on XX/XX/XXXX and have copies of these messages stating that the request for the refund has been received and to allow 60 business days. This was in XX/XX/XXXX, it is now XXXX. 

I called again several times without luck. In XX/XX/XXXX I called again and Mohela has record of my request " being expedited '' but can not provide me with any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting multiple HARD INQUIRIES on my XXXX app. 

1. Golden 1 Credit Union XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also getting denial for credit from others a. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I never made these inquiries.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. XXXX XXXX I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting.

2. **Failure to Furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations.

3. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent.

4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer.

5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information.

Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Credit card or prepaid card

Hello, On XX/XX/2019 I applied for a united mileage card that had a promotional to receive XXXX bonus miles after purchases of XXXX and XXXX credit off first airline purchase. I had enrolled in the United airline mileage program, off the airlines website and the promotional populated with the promotional that I previously mentioned, then I applied. The website approved me for the United explorer mileage plus card. So, I purchased my airline ticket believing I will get the XXXX credit off my first statement purchase. Calling Chase, they told me I did not qualified due to the promotional was not for this card. So, there website approved me for something other than I was applying for. I feel like this is a bate and switch. The supervisor refuse to honor the promotional and I closed all my accounts with them. I have up loaded a picture of the promotional XX/XX/19. Please look into this. Thank you for your time and help.
Product: Debt collection

The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XX/XX/2010 it has a balanced of {$4700.00}. Section 808.. 15 usc 1692g talks about debt validation and i recently sent a complaint with the company they sent me paperwork and statemeny but it was not the original contract with my signature so its not validated also, they tried to get me to start over with this debt frame so i will not have the statue of limitations on this account